Jacksonville Car Insurance Cost – Rates + Cheapest to Insure (2022)

What does average car insurance cost in Jacksonville? We compare insurance rates for over 150 different vehicles to find Jacksonville's cheapest car insurance quotes.

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  • Jacksonville car insurance cost averages $2,116 per year for a full-coverage policy, or around $176 per month.
  • Jacksonville auto insurance averages $112 per year less than the Florida state average rate and $610 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 $1,872 per year, Subaru Outback at $2,046, and Ford Escape at $1,882.
  • For cheap car insurance in Jacksonville, small crossovers like the Mazda CX-30, Toyota C-HR, Chevrolet Trax, and Hyundai Kona have the most affordable rates.
  • A few models with segment-leading car insurance rates in Jacksonville include the Chevrolet Tahoe at $2,234 per year, Mercedes-Benz A220 at $2,080 per year, Mazda 6 at $1,948 per year, and Cadillac XT5 at $2,064 per year.

How much does car insurance cost in Jacksonville?

In Jacksonville, the average car insurance expense is $2,116 per year, which is 40.5% more than the national average rate of $1,506. Per month, Jacksonville car insurance costs around $176 for full coverage.

The average price for car insurance in Florida is $2,228 per year, so Jacksonville drivers pay an average of $112 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 $786 per year cheaper than in Miami, $54 per year cheaper than in Orlando, and $2,116 per year more expensive 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 – $7,582 per year or $632 per month
  • 17-year-old rated driver – $7,082 per year or $590 per month
  • 18-year-old rated driver – $6,612 per year or $551 per month
  • 19-year-old rated driver – $5,980 per year or $498 per month
  • 20-year-old rated driver – $4,202 per year or $350 per month
  • 30-year-old rated driver – $2,228 per year or $186 per month
  • 40-year-old rated driver – $2,116 per year or $176 per month
  • 50-year-old rated driver – $1,926 per year or $161 per month
  • 60-year-old rated driver – $1,892 per year or $158 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 2022 vehicle models including luxury models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Jacksonville car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Jacksonville zip codes.Data last updated on December 30, 2021
Average Car Insurance Cost in Jacksonville, FL
Average Car Insurance Cost in Jacksonville, FL
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,568$297
$500$4,202$350
$250$4,870$406
30$1,000$1,872$156
$500$2,228$186
$250$2,600$217
40$1,000$1,790$149
$500$2,116$176
$250$2,456$205
50$1,000$1,634$136
$500$1,926$161
$250$2,232$186
60$1,000$1,604$134
$500$1,892$158
$250$2,192$183

In the chart above, the cost of car insurance in Jacksonville ranges from $1,604 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,870 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 $134 to $406 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.

The car insurance rates mentioned up to this point are averaged for every 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Jacksonville car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Jacksonville Zip Codes.Data last updated on December 30, 2021
Jacksonville Car Insurance Rates for Popular Vehicles
Jacksonville Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,712$143
Toyota Corolla$1,764$147
Hyundai Tucson$1,838$153
Subaru Crosstrek$1,858$155
Honda HR-V$1,864$155
Ford Ranger$1,866$156
Nissan Rogue$1,872$156
Nissan Sentra$1,888$157
Subaru Forester$1,916$160
Ford F150$2,048$171
Toyota RAV4$2,094$175
Jeep Wrangler$2,100$175
GMC Sierra$2,156$180
Toyota Camry$2,182$182
Hyundai Santa Fe$2,272$189
Chevrolet Silverado$2,274$190
Toyota Highlander$2,316$193
Hyundai Elantra$2,412$201
Ram Truck$2,414$201

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 $1,646 per year cheaper than for a 20-year-old driver.
  • Insuring teen drivers gets very expensive – Average rates range from $5,318 to $7,582 per year to insure a teenager in Jacksonville.
  • A low deductible policy costs more – A 30-year-old driver pays an average of $462 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 $662 to $904 less per year than their male counterparts.
  • Jacksonville car insurance costs more than the U.S. average – $2,116 (Jacksonville average) versus $1,506 (U.S. average)
  • Car insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Jacksonville driver will pay $1,558 less per year than a 20-year-old driver, $1,760 compared to $3,318.

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 Chevrolet Trax, Honda CR-V, Toyota C-HR, and Buick Envision. Average auto insurance quotes for those crossover SUVs cost $1,742 or less per year ($145 per month) to get full coverage.

Other models that are highly ranked in our auto insurance cost comparison are the Chevrolet Trailblazer, Mazda CX-5, Chevrolet Blazer, and Buick Encore.

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 $1,800 or less per year ($150 per month) in Jacksonville.

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

Top 25 Cheapest Automobiles to Insure in Jacksonville
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Spark$1,674$140
2Mazda CX-30$1,704$142
3Honda CR-V$1,712$143
4Toyota C-HR$1,718$143
5Chevrolet Trax$1,720$143
6Hyundai Kona$1,722$144
7Buick Envision$1,730$144
8Ford Ecosport$1,736$145
9Kia Soul$1,742$145
10Chevrolet Colorado$1,744$145
11Mazda CX-5$1,744$145
12Nissan Rogue Sport$1,744$145
13Chevrolet Blazer$1,746$146
14Hyundai Venue$1,764$147
15Toyota Corolla$1,764$147
16Buick Encore$1,780$148
17Nissan Kicks$1,780$148
18Chevrolet Trailblazer$1,792$149
19Kia Sportage$1,800$150
20Ford Maverick$1,810$151
21Jeep Compass$1,810$151
22Chevrolet Equinox$1,812$151
23Mitsubishi Eclipse Cross$1,812$151
24Acura RDX$1,818$152
25Toyota Corolla Cross$1,818$152

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
    Top 25 Cheapest Automobiles to Insure in Jacksonville

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Jacksonville car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Jacksonville Zip Codes.Data last updated on December 30, 2021
    Jacksonville Auto Insurance Rates by Vehicle Segment
    Jacksonville Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,932$161
    Midsize Pickup$2,020$168
    Compact Car$2,078$173
    Midsize SUV$2,154$180
    Minivan$2,196$183
    Midsize Car$2,204$184
    Half-ton Pickup$2,298$192
    Compact Luxury SUV$2,380$198
    Compact Luxury Car$2,400$200
    Large SUV$2,428$202
    Large Car$2,448$204
    Heavy Duty Pickup$2,492$208
    Midsize Luxury SUV$2,568$214
    Midsize Luxury Car$2,802$234
    Sports Car$2,988$249
    Large Luxury SUV$3,208$267
    Large Luxury Car$3,448$287

    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 Chevrolet Spark at $1,674 per year to the Toyota Mirai costing $2,598 per year. In the large luxury SUV segment, the average cost of insurance ranges from the Volvo XC90 at $2,396 per year to the Mercedes-Benz Maybach GLS 600 at $4,298 per year, a difference of $1,902 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 Chevrolet Spark at $1,674 per year, the Toyota Corolla at $1,764 per year, and the Subaru Impreza at $1,838 per year.

    Other cars that have affordable insurance rates include the Nissan Sentra, Kia Forte, Mazda 3, and Chevrolet Malibu, with average insurance cost of $1,992 per year or less.

    In the lower half of the top 20 cars to insure, models like the Nissan Versa, Volkswagen Golf, Hyundai Accent, Volkswagen Passat, and Kia K5 average between $1,992 and $2,150 to insure per year.

    Auto insurance rates in this segment for a good driver can cost as low as $140 per month, depending on where you live.

    The cheapest non-luxury compact car to insure in Jacksonville is the Chevrolet Spark at $1,674 per year. For midsize 2022 models, the Mazda 6 is cheapest to insure at $1,948 per year. And for full-size non-luxury cars, the Toyota Avalon has the best rates at $2,226 per year.

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

    Cheapest Cars to Insure in Jacksonville
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,674$140
    Toyota CorollaCompact$1,764$147
    Subaru ImprezaCompact$1,838$153
    Kia RioCompact$1,852$154
    Honda CivicCompact$1,878$157
    Nissan SentraCompact$1,888$157
    Mazda 3Compact$1,918$160
    Mazda 6Midsize$1,948$162
    Hyundai AccentCompact$1,990$166
    Kia ForteCompact$1,990$166
    Chevrolet MalibuMidsize$1,992$166
    Toyota PriusCompact$1,994$166
    Honda InsightMidsize$1,996$166
    Volkswagen GolfCompact$2,036$170
    Volkswagen JettaCompact$2,058$172
    Honda AccordMidsize$2,098$175
    Kia K5Midsize$2,112$176
    Nissan VersaCompact$2,128$177
    Volkswagen PassatMidsize$2,138$178
    Subaru LegacyMidsize$2,150$179

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
      Cheapest Cars to Insure in Jacksonville

      A few of the more popular models that were not in the top 20 cheapest include the Tesla Model 3 costing an average of $2,326 per year ($194 per month), the Hyundai Elantra costing an average of $2,412 ($201 per month), the Toyota Avalon costing $2,226 ($186 per month), and the Volkswagen GTI at $2,122 ($177 per month).

      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 Mazda CX-30 at $1,704 per year, Honda CR-V at $1,712 per year, Chevrolet Trax at $1,720 per year, and Toyota C-HR at $1,718 per year.

      Not the cheapest SUVs to insure, but still affordable, are models like the Nissan Rogue Sport, Ford Ecosport, Buick Envision, and Mazda CX-5, with average insurance cost of $1,744 per year or less.

      Ranked in the lower half of the top 20, models like the Chevrolet Equinox, Buick Encore, Kia Sportage, Hyundai Venue, and Mitsubishi Eclipse Cross cost between $1,744 and $1,818 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 $142 per month, depending on your company and location.

      The cheapest compact SUV to insure in Jacksonville is the Mazda CX-30 at $1,704 per year. For midsize SUVs, the Chevrolet Blazer has the best rates at $1,746 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $2,234 per year.

      The comparison table below ranks the SUVs with the most affordable insurance in Jacksonville, starting with the Mazda CX-30 at $1,704 per year and ending with the Toyota Corolla Cross at $1,818 per year.

      Cheapest SUVs to Insure in Jacksonville
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-30Compact$1,666$139
      Honda CR-VCompact$1,670$139
      Toyota C-HRCompact$1,682$140
      Chevrolet TraxCompact$1,684$140
      Hyundai KonaCompact$1,684$140
      Buick EnvisionCompact$1,688$141
      Ford EcosportCompact$1,698$142
      Mazda CX-5Compact$1,700$142
      Chevrolet BlazerMidsize$1,704$142
      Nissan Rogue SportCompact$1,704$142
      Kia SoulCompact$1,706$142
      Hyundai VenueCompact$1,728$144
      Buick EncoreCompact$1,742$145
      Nissan KicksCompact$1,742$145
      Chevrolet TrailblazerCompact$1,756$146
      Kia SportageCompact$1,762$147
      Mitsubishi Eclipse CrossCompact$1,766$147
      Chevrolet EquinoxCompact$1,770$148
      Jeep CompassCompact$1,772$148
      Toyota Corolla CrossCompact$1,776$148

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
        Cheapest SUVs to Insure in Jacksonville

        Some of the more popular SUVs that did not make the cut include the Chevrolet Traverse at $1,990 per year ($166 per month), the Toyota 4Runner costing an average of $2,122 ($177 per month), the Nissan Rogue costing $1,830 ($153 per month), and the Ford Explorer at an average of $1,980 ($165 per month).

        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 $1,744 per year, Ford Maverick at $1,810 per year, Ford Ranger at $1,866 per year, and Toyota Tacoma at $1,940 per year.

        Additional pickups that have cheaper rates include the GMC Canyon, Ford F150, Nissan Frontier, and Honda Ridgeline, with average insurance cost of $2,090 per year or less.

        Auto insurance in this segment for a safe driver will start around $145 per month, depending on your location. The comparison table below ranks the pickups with the lowest-cost average insurance rates in Jacksonville.

        Cheapest Pickups to Insure in Jacksonville
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,702$142
        Ford MaverickMidsize$1,770$148
        Ford RangerMidsize$1,826$152
        Toyota TacomaMidsize$1,892$158
        Chevrolet Silverado HD 3500Heavy Duty$1,968$164
        Nissan FrontierMidsize$1,970$164
        GMC CanyonMidsize$1,988$166
        Hyundai Santa CruzMidsize$1,992$166
        Ford F150Full-size$2,000$167
        Honda RidgelineMidsize$2,012$168
        Jeep GladiatorMidsize$2,042$170
        GMC SierraFull-size$2,106$176
        Nissan TitanFull-size$2,186$182
        Toyota TundraFull-size$2,200$183
        Chevrolet SilveradoFull-size$2,226$186
        Ford F350 Super DutyHeavy Duty$2,250$188
        Nissan Titan XDHeavy Duty$2,326$194
        Ram TruckFull-size$2,358$197
        GMC Sierra 2500 HDHeavy Duty$2,420$202
        GMC Sierra 3500Heavy Duty$2,436$203

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
          Cheapest Pickups to Insure 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 $1,836 per year. Second place is the Ford Mustang at $2,232 per year, the third cheapest is the BMW Z4, at an average of $2,278 per year, and the fourth cheapest is the Subaru WRX, at an average of $2,408 per year.

          Rounding out the top 10 are models like the Subaru BRZ, Chevrolet Corvette, BMW M3, and Toyota GR Supra, with average insurance cost of $2,746 per year or less.

          In the bottom half of the top 20, cars like the Dodge Challenger, BMW M4, Mercedes-Benz AMG GT53, Porsche 718, and Jaguar F-Type average between $2,746 and $3,490 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 $153 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 $1,836 per year ($153 per month) and ending with the Lexus LC 500 at $3,490 per year ($291 per month).

          Cheapest Sports Cars to Insure in Jacksonville
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,788$149
          Ford MustangSports Car$2,178$182
          BMW Z4Sports Car$2,222$185
          Subaru WRXSports Car$2,352$196
          Toyota GR86Sports Car$2,412$201
          Toyota GR SupraSports Car$2,462$205
          Audi TTSports Car$2,514$210
          Chevrolet CorvetteSports Car$2,578$215
          Subaru BRZSports Car$2,598$217
          BMW M3Sports Car$2,672$223
          Porsche 718Sports Car$2,786$232
          Chevrolet CamaroSports Car$2,870$239
          Lexus RC FSports Car$2,912$243
          Dodge ChallengerSports Car$2,944$245
          Mercedes-Benz AMG GT53Sports Car$2,972$248
          Jaguar F-TypeSports Car$3,114$260
          Porsche TaycanSports Car$3,192$266
          Porsche 911Sports Car$3,266$272
          BMW M4Sports Car$3,284$274
          Lexus LC 500Sports Car$3,398$283

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
            Cheapest Sports Cars to Insure in Jacksonville

            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 Volvo S60, Acura ILX, BMW 330i, Acura TLX, and Mercedes-Benz A220. Insurance rates for these 2022 models average $2,272 or less per year.

            Also ranking well in our comparison are luxury cars like the BMW 330e, BMW 230i, Cadillac CT4, and BMW 228i, with average cost of $2,346 per year or less.

            In the bottom half of the top 20, cars like the Mercedes-Benz AMG CLA35, Lexus RC 300, Cadillac CT5, Lexus IS 300, and Lexus RC 350 cost between $2,346 and $2,456 per year for insurance in Jacksonville.

            From a monthly standpoint, car insurance rates in Jacksonville on this segment starts at around $164 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 Mercedes-Benz A220 at $2,080 per year, or $173 per month. For midsize luxury car models, the Acura ILX has the best rates at $1,962 per year, or $164 per month. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,516 per year, or $210 per month.

            The rate comparison table below ranks the cars with the most affordable insurance in Jacksonville, starting with the Acura ILX at $164 per month and ending with the Audi A4 at $205 per month.

            Cheapest Luxury Cars to Insure in Jacksonville
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,914$160
            Mercedes-Benz A220Compact$2,030$169
            BMW 330iCompact$2,180$182
            Acura TLXCompact$2,198$183
            Volvo S60Compact$2,214$185
            BMW 330eCompact$2,222$185
            BMW 228iCompact$2,236$186
            BMW 230iCompact$2,250$188
            Lexus IS 300Midsize$2,284$190
            Lexus RC 300Midsize$2,284$190
            Alfa Romeo GiuliaCompact$2,288$191
            Cadillac CT4Compact$2,290$191
            Lexus RC 350Compact$2,292$191
            Genesis G70Compact$2,332$194
            Mercedes-Benz AMG CLA35Midsize$2,340$195
            BMW i4Midsize$2,352$196
            Cadillac CT5Midsize$2,356$196
            Audi S3Compact$2,378$198
            Audi A4Compact$2,394$200
            Mercedes-Benz AMG CLA45Midsize$2,394$200

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
              Cheapest Luxury Cars to Insure in Jacksonville

              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 $1,818 per year, Cadillac XT4 at $1,862 per year, Volvo XC40 at $2,040 per year, and Cadillac XT5 at $2,064 per year.

              Not the cheapest, but still in the top 10, are SUVs like the BMW X1, Lexus UX 250h, Lexus NX 350h, and Lexus UX 200, with average cost of $2,168 per year or less.

              From a cost per month standpoint, auto insurance in Jacksonville on this segment for the average driver starts at around $152 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 $1,818 per year. For midsize luxury models, the Cadillac XT5 has the cheapest rates at $2,064 per year. And for large luxury SUVs, the Volvo XC90 has the cheapest car insurance rates at $2,396 per year.

              The table below ranks the twenty luxury SUVs with the most affordable insurance in Jacksonville, starting with the Acura RDX at $1,818 per year and ending with the Mercedes-Benz GLC300 at $2,246 per year.

              Cheapest Luxury SUVs to Insure in Jacksonville
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,770$148
              Cadillac XT4Compact$1,814$151
              Volvo XC40Compact$1,986$166
              Cadillac XT5Midsize$2,014$168
              Lexus NX 250Compact$2,056$171
              BMW X1Compact$2,060$172
              Lexus NX 350hCompact$2,070$173
              Lexus UX 250hCompact$2,070$173
              Lexus NX 350Compact$2,104$175
              Jaguar E-PaceMidsize$2,116$176
              Lexus UX 200Compact$2,116$176
              Lexus RX 350Midsize$2,122$177
              Lincoln NautilusMidsize$2,158$180
              Lexus NX 450hCompact$2,162$180
              Lexus RX 450hMidsize$2,176$181
              Mercedes-Benz GLB 250Compact$2,176$181
              Infiniti QX50Midsize$2,184$182
              Land Rover EvoqueCompact$2,184$182
              Lincoln CorsairCompact$2,188$182
              Mercedes-Benz GLC300Compact$2,190$183

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jacksonville, FL.Data last updated on December 30, 2021
                Cheapest Luxury SUVs to Insure in Jacksonville

                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

                Ford F150 insurance in Jacksonville costs an average of $2,000 per year ($167 per month) and ranges from $1,702 to $4,628 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Jacksonville includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2021
                Ford F150 Insurance Cost in Jacksonville
                Ford F150 Insurance Cost in Jacksonville, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,530$378
                Safe Driver Age 20$3,968$331
                At-fault Accidents Age 40$2,826$236
                Low Deductibles Age 40$2,574$215
                Safe Driver Age 30$2,100$175
                Safe Driver Age 40$2,000$167
                Safe Driver Age 50$1,822$152
                Safe Driver Age 60$1,788$149
                High Deductibles Age 40$1,704$142
                Discount Rate Age 40$1,662$139

                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

                In Jacksonville, Toyota Corolla insurance costs an average of $1,726 per year (about $144 per month) and has a range of $1,472 to $3,948 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Jacksonville includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2021
                Toyota Corolla Insurance Cost in Jacksonville
                Toyota Corolla Insurance Cost in Jacksonville, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,864$322
                Safe Driver Age 20$3,386$282
                At-fault Accidents Age 40$2,420$202
                Low Deductibles Age 40$2,214$185
                Safe Driver Age 30$1,812$151
                Safe Driver Age 40$1,726$144
                Safe Driver Age 50$1,570$131
                Safe Driver Age 60$1,538$128
                High Deductibles Age 40$1,470$123
                Discount Rate Age 40$1,438$120

                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

                Honda CR-V insurance in Jacksonville averages $1,670 per year (about $139 per month) and has a range of $1,424 to $3,880.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Jacksonville includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2021
                Honda CR-V Insurance Cost in Jacksonville
                Honda CR-V Insurance Cost in Jacksonville, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,792$316
                Safe Driver Age 20$3,318$277
                At-fault Accidents Age 40$2,348$196
                Low Deductibles Age 40$2,186$182
                Safe Driver Age 30$1,760$147
                Safe Driver Age 40$1,670$139
                Safe Driver Age 50$1,520$127
                Safe Driver Age 60$1,494$125
                High Deductibles Age 40$1,406$117
                Discount Rate Age 40$1,388$116

                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 $556 per year. Major convictions like driving under the influence or reckless driving could raise rates by an additional $1,940 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 $850 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 $332 per year over a lower credit rating of 670-739. Conversely, a credit rating below 579 could cost up to $385 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 $358 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.