Jacksonville Car Insurance Cost – Rates + Cheapest to Insure (2025)

• Jacksonville car insurance cost averages $2,490 per year for a full-coverage policy, or around $208 per month.
• Jacksonville auto insurance averages $302 per year less than the Florida state average rate and $214 per year more than the average rate for all 50 U.S. states.
• Car insurance rates for a few popular vehicles in Jacksonville include the Nissan Rogue at $2,238 per year, Subaru Outback at $2,120, and Ford Escape at $2,272.
• For cheap car insurance in Jacksonville, small crossovers like the Subaru Crosstrek, Nissan Kicks, Kia Soul, and Buick Envision have the most affordable rates.
• A few models with segment-leading car insurance rates in Jacksonville include the Chevrolet Tahoe at $2,338 per year, Acura Integra at $2,214 per year, Kia K5 at $2,398 per year, and Jaguar E-Pace at $2,328 per year.

How much does car insurance cost in Jacksonville?

In Jacksonville, the average car insurance expense is $2,490 per year, which is 9% more than the national average rate of $2,276. Per month, Jacksonville car insurance costs around $208 for full coverage.

The average price for car insurance in Florida is $2,792 per year, so Jacksonville drivers pay an average of $302 less per year than the overall Florida state-wide average rate. When rates are compared to other larger cities in Florida, the average cost to insure a vehicle in Jacksonville is about $644 per year cheaper than in Miami, $42 per year cheaper than in Orlando, and $348 per year cheaper than in St. Petersburg.

The age of the rated driver significantly impacts the price you pay for auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Jacksonville for driver ages 16 through 60.

Average cost of car insurance in Jacksonville for drivers age 16 to 60

• 16-year-old rated driver – $8,867 per year or $739 per month
• 17-year-old rated driver – $8,590 per year or $716 per month
• 18-year-old rated driver – $7,699 per year or $642 per month
• 19-year-old rated driver – $7,011 per year or $584 per month
• 20-year-old rated driver – $5,010 per year or $418 per month
• 30-year-old rated driver – $2,656 per year or $221 per month
• 40-year-old rated driver – $2,490 per year or $208 per month
• 50-year-old rated driver – $2,208 per year or $184 per month
• 60-year-old rated driver – $2,068 per year or $172 per month

The next chart shows average Jacksonville auto insurance cost broken out by driver age and comprehensive and collision deductibles. Rates are averaged for all 2024 vehicle models including luxury models.

In the chart above, the cost of car insurance in Jacksonville ranges from $1,748 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,826 per year for a 20-year-old driver with policy with low comprehensive and collision deductibles. From a monthly budget point of view, the average cost in the chart above ranges from $146 to $486 per month.

Car insurance rates can be extremely variable and are impacted by many different factors. This wide range of possible rates emphasizes the need to get accurate auto insurance quotes when shopping online for the cheapest car insurance coverage.

Jacksonville’s favorite vehicles and the cost to insure them

The car insurance rates mentioned up to this point are averaged for every 2024 model year vehicle, which is useful for making broad comparisons such as the average cost difference by driver age or location. For more accurate auto insurance rate comparisons, however, the rates will be more accurate if we analyze the specific model of vehicle being insured.

If you read farther in this article, we delve deep into rates for different makes and models, but for now, we will just use the more popular vehicles to see how car insurance rates measure up in Jacksonville.

This next chart breaks down average car insurance cost for a handful of the more popular vehicles you’ll see on the streets of Jacksonville.

The vehicles that have high popularity in Jacksonville tend to be compact and midsize cars like the Hyundai Elantra and Honda Accord and compact or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Some additional popular vehicles from other segments include luxury cars like the Acura ILX and Lexus ES 350, luxury SUVs like the BMW X5 and Infiniti QX60, and models from the pickup truck segment like the Ford F-150 and Chevy Silverado.

We get into more auto insurance rates a little later in this article, but before we dive into that data, let’s quickly revisit some of the key concepts that we covered up to this point.

• Car insurance cost decreases as you age – Average car insurance rates for a 40-year-old driver in Jacksonville are $2,520 per year cheaper than for a 20-year-old driver.
• Insuring teen drivers gets very expensive – Average rates range from $5,928 to $8,867 per year to insure a teenager in Jacksonville.
• A low deductible policy costs more – A 30-year-old driver pays an average of $676 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Teen female drivers have cheaper rates than teenage males – Teenage females age 16 to 19 pay $1,083 to $582 less per year than their male counterparts.
• Jacksonville car insurance costs more than the U.S. average – $2,490 (Jacksonville average) versus $2,276 (U.S. average)
• Car insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Jacksonville driver will pay $2,354 less per year than a 20-year-old driver, $2,656 compared to $5,010.

What are the cheapest auto insurance rates in Jacksonville?

When comparing all car, SUV, and pickup models, the vehicles with the cheapest average car insurance rates in Jacksonville tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Toyota Corolla Cross. Average auto insurance quotes for those crossover SUVs cost $2,022 or less per year ($169 per month) to get full coverage.

Other models that are highly ranked in our auto insurance cost comparison are the Kia Niro, Volkswagen Tiguan, Acura RDX, and Buick Envista.

Average insurance cost is a few dollars per month higher for those models than the cheapest small SUVs that rank at the top, but they still have an average cost of $2,162 or less per year ($180 per month) in Jacksonville.

The following table ranks the 25 models with the cheapest car insurance in Jacksonville, ordered by annual cost.

A list of 25 vehicle rankings serves the purpose if you just want the absolute lowest rates. A more useful way to examine auto insurance rates in an organized fashion is by organizing them by the segment they belong to.

The next section of this article details the average cost to insure each different vehicle segment. The average rates shown in the chart will give you a good idea of the automotive segments that have the overall most affordable auto insurance rates in Jacksonville. Then the six sections following the chart display the vehicles with the cheapest insurance rates in the most popular automotive segments.

Jacksonville auto insurance rates by vehicle segment

When shopping for a different vehicle, it’s advantageous to know which categories of vehicles are more affordable to insure.

To illustrate this, many people wonder if minivans have cheaper insurance than SUVs or which size car has costs less to insure.

The next chart displays average car insurance rates in Jacksonville for different vehicle segments. From a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the cheapest rates, while luxury models and sports cars tend to have the most expensive insurance.

Average rates by automotive segment are close enough to form a general comparison, but the insurance cost for specific vehicles ranges quite a lot within each segment displayed in the above chart.

For example, in the small car segment, average Jacksonville auto insurance rates range from the Toyota GR Corolla at $2,162 per year to the Toyota Mirai costing $3,098 per year. In the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 at $2,790 per year to the Mercedes-Benz G63 AMG at $5,350 per year, a difference of $2,560 within that segment.

In the next parts of this article, we eliminate much of the variability by looking at the cost of car insurance in Jacksonville for specific vehicles rather than by segments.

Cheapest car insurance rates in Jacksonville

The three top-ranked non-luxury cars with the cheapest average insurance rates in Jacksonville are the Toyota GR Corolla at $2,162 per year, the Nissan Leaf at $2,180 per year, and the Honda Civic at $2,206 per year.

Other cars that have affordable insurance rates include the Toyota Prius, Chevrolet Malibu, Kia K5, and Toyota Corolla, with average insurance cost of $2,424 per year or less.

In the lower half of the top 20 cars to insure, models like the Toyota Crown, Subaru Legacy, Kia Forte, Hyundai Sonata, and Volkswagen Jetta average between $2,424 and $2,574 to insure per year.

Auto insurance rates in this segment for a good driver can cost as low as $180 per month, depending on where you live.

The cheapest non-luxury compact car to insure in Jacksonville is the Toyota GR Corolla at $2,162 per year. For midsize 2024 models, the Kia K5 is cheapest to insure at $2,398 per year. And for full-size non-luxury cars, the Chrysler 300 has the best rates at $2,370 per year.

The comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Jacksonville.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Florida.

Cheapest SUV insurance rates in Jacksonville

The four most affordable non-luxury SUVs to insure in Jacksonville are the Subaru Crosstrek at $1,838 per year, Chevrolet Trailblazer at $1,872 per year, Kia Soul at $1,944 per year, and Nissan Kicks at $1,960 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Ford Bronco Sport, with average insurance cost of $2,038 per year or less.

Ranked in the lower half of the top 20, models like the Honda HR-V, Buick Encore, Buick Envista, Nissan Murano, and Kia Niro cost between $2,038 and $2,168 to insure per year.

From a cost per month standpoint, full-coverage insurance in Jacksonville on this segment for the average driver starts at around $153 per month, depending on your company and location.

The cheapest compact SUV to insure in Jacksonville is the Subaru Crosstrek at $1,838 per year. For midsize SUVs, the Honda Passport has the best rates at $1,982 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $2,338 per year.

The comparison table below ranks the SUVs with the most affordable insurance in Jacksonville, starting with the Subaru Crosstrek at $1,838 per year and ending with the Subaru Ascent at $2,168 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Jacksonville car insurance quotes from top-rated companies in Florida.

Cheapest pickup truck insurance rates in Jacksonville

The four lowest-cost pickup trucks to insure in Jacksonville are the Chevrolet Colorado at $2,192 per year, Nissan Titan at $2,328 per year, Nissan Frontier at $2,354 per year, and Ford Ranger at $2,378 per year.

Additional pickups that have cheaper rates include the Hyundai Santa Cruz, Toyota Tacoma, Honda Ridgeline, and GMC Sierra 2500 HD, with average insurance cost of $2,560 per year or less.

Auto insurance in this segment for a safe driver will start around $183 per month, depending on your location. The comparison table below ranks the pickups with the lowest-cost average insurance rates in Jacksonville.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Florida.

Cheapest sports car insurance rates in Jacksonville

The top-ranked model in Jacksonville for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, costing an average of $2,304 per year. Second place is the Toyota GR86 at $2,624 per year, the third cheapest is the Ford Mustang, at an average of $2,734 per year, and the fourth cheapest is the BMW Z4, at an average of $2,750 per year.

Rounding out the top 10 are models like the Nissan Z, Lexus RC F, Subaru BRZ, and Toyota GR Supra, with average insurance cost of $2,976 per year or less.

In the bottom half of the top 20, cars like the Chevrolet Corvette, Mercedes-Benz AMG GT53, Porsche 911, BMW M3, and BMW M4 average between $2,976 and $4,216 per year for auto insurance.

From a cost per month standpoint, full-coverage insurance on this segment in Jacksonville for an average middle-age driver starts at around $192 per month, depending on your company and location.

The comparison table below ranks the twenty sports cars with the cheapest average auto insurance rates in Jacksonville, starting with the Mazda MX-5 Miata at $2,304 per year ($192 per month) and ending with the Porsche Taycan at $4,216 per year ($351 per month).

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Florida.

Cheapest luxury car insurance rates in Jacksonville

Ranking at the top of the list for the most affordable Jacksonville auto insurance rates in the luxury car segment are the Acura TLX, Acura Integra, Mercedes-Benz CLA250, Lexus IS 300, and BMW 330i. Insurance rates for these 2024 models average $2,576 or less per year.

Also ranking well in our comparison are luxury cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Lexus RC 300, and Genesis G70, with average cost of $2,618 per year or less.

In the bottom half of the top 20, cars like the BMW 330e, Jaguar XF, BMW 230i, Lexus IS 350, and Lexus ES 250 cost between $2,618 and $2,790 per year for insurance in Jacksonville.

From a monthly standpoint, car insurance rates in Jacksonville on this segment starts at around $185 per month, depending on the company.

If ranked by vehicle size, the most budget-friendly compact luxury car model to insure in Jacksonville is the Acura Integra at $2,214 per year, or $185 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $2,562 per year, or $214 per month. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,956 per year, or $246 per month.

The rate comparison table below ranks the cars with the most affordable insurance in Jacksonville, starting with the Acura Integra at $185 per month and ending with the Audi S3 at $233 per month.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Florida.

Cheapest luxury SUVs to insure in Jacksonville

The four top-ranked luxury SUVs with the cheapest insurance in Jacksonville are the Acura RDX at $2,080 per year, Lexus NX 250 at $2,204 per year, Cadillac XT4 at $2,248 per year, and Jaguar E-Pace at $2,328 per year.

Not the cheapest, but still in the top 10, are SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 450h, with average cost of $2,400 per year or less.

From a cost per month standpoint, auto insurance in Jacksonville on this segment for the average driver starts at around $173 per month, depending on the company and where you live.

The most budget-friendly compact luxury SUV to insure in Jacksonville is the Acura RDX at $2,080 per year. For midsize luxury models, the Jaguar E-Pace has the cheapest rates at $2,328 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,790 per year.

The table below ranks the twenty luxury SUVs with the most affordable insurance in Jacksonville, starting with the Acura RDX at $2,080 per year and ending with the Lexus RX 350 at $2,498 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Jacksonville car insurance quotes from top auto insurance companies in Florida.

What to expect when buying Jacksonville car insurance

In order to reinforce how much the cost of auto insurance can fluctuate between drivers (and also reiterate the importance of requesting multiple rate quotes), the examples below present comprehensive car insurance rates for three popular models in Jacksonville: the Ford F150, Toyota Corolla, and Honda CR-V.

Each chart shows average rates for a range of driver profiles to illustrate the cost difference when minor changes are made to the driver profile.

Ford F150 insurance rates

With sticker prices ranging from $46,195 to $100,090, average Jacksonville insurance rates for a Ford F150 cost from $2,338 per year for the F150 XL Super Cab 4WD model up to $3,236 per year for the F150 Lightning Platinum Black Special Edition trim.

From a monthly standpoint, auto insurance on a 2024 Ford F150 for a good driver can range from $195 to $270 per month, depending on the insurance company you choose in Jacksonville.

The next chart may be useful to help you comprehend how car insurance rates on a Ford F150 can change for different driver ages and common policy situations. In this example, rates range from $2,310 to $6,434 per year, which is a difference in cost of $4,124 per year just depending on the driver.

The Ford F150 is classified as a full-size truck, and other popular same-segment models include the GMC Sierra, Nissan Titan, and Toyota Tundra.

Toyota Corolla insurance rates

With MSRP ranging from $21,900 to $26,655, average Jacksonville car insurance rates on a Toyota Corolla range from $2,208 per year on the Corolla LE model up to $2,742 per year for the Corolla XSE Hatchback trim.

When Jacksonville car insurance rates for the Toyota Corolla are compared to the national average cost on the same vehicle, the cost is anywhere from $80 to $98 more expensive per year in Jacksonville, depending on the trim level being insured.

On a monthly basis, car insurance on the Toyota Corolla for a safe driver can range from $184 to $229 per month, depending on policy coverages and your Zip Code in Jacksonville.

The rate chart below is a good visualization how insurance rates for a Toyota Corolla can be very different for different driver ages and common policy situations.

For our example drivers, rates range from $2,012 to $5,560 per year, which is a difference in cost of $3,548 just for changes in rated drivers.

The Toyota Corolla is a compact car, and other similar models from the same segment include the Nissan Sentra, Hyundai Elantra, Volkswagen Jetta, and Honda Civic.

Honda CR-V insurance rates

The average rate paid for Honda CR-V insurance in Jacksonville is $2,122 per year. With MSRP ranging from $29,500 to $39,850, average insurance rates for a Honda CR-V cost from $2,012 per year for the CR-V LX model up to $2,242 per year on the CR-V Sport Touring Hybrid AWD trim.

From a monthly standpoint, auto insurance on a Honda CR-V can range from $168 to $187 per month, depending on the company and your address in Jacksonville.

The bar chart below shows how the cost of insurance on a Honda CR-V in Jacksonville, FL, can vary for different driver ages and common policy situations.

The Honda CR-V is part of the compact SUV segment, and additional similar models include the Chevrolet Equinox, Nissan Rogue, and Ford Escape.

Tips for getting cheaper Jacksonville car insurance quotes

Financially savvy drivers are always searching for ways to pay less for auto insurance, so read through the savings tips below and see if you can save some money on your next policy.

• Obey driving laws to keep insurance rates low. In order to have cheap car insurance in Jacksonville, it’s necessary to drive within the law. Just a couple of traffic violations could increase insurance policy cost by up to $664 per year. Major convictions like driving under the influence or reckless driving could raise rates by an additional $2,312 or more.
• Buy vehicles with low cost insurance. The vehicle you choose to drive is a primary factor in the cost of car insurance. For example, a Volkswagen Atlas costs $1,542 less per year to insure in Jacksonville than a Dodge Challenger. Lower performance vehicles save money.
• Excellent credit scores get the best rates. Having an over-800 credit score may save $391 per year over a lower credit rating of 670-739. Conversely, a credit rating below 579 could cost up to $453 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Qualify for discounts to lower insurance cost. Discounted rates may be available if the insureds work in certain occupations, take a defensive driving course, are claim-free, choose electronic billing, or many other discounts which could save the average Jacksonville driver as much as $422 per year on the cost of car insurance
• Reduce coverage on older vehicles. Dropping full coverage from older vehicles whose value has decreased can trim the cost considerably.
• Keep your claim-free discount. Most insurance companies give a discounted rate for not having any claims. Auto insurance should only be used to protect you from large financial hits, not small claims that can be paid out-of-pocket.