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.

Start QuoteCompare Jacksonville car insurance rates and save on your next policy.

  • Jacksonville car insurance cost averages $2,160 per year for a full-coverage policy, or around $180 per month.
  • Jacksonville auto insurance averages $68 per year less than the Florida state average rate and $593 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 $2,116 per year, Subaru Outback at $1,980, and Ford Escape at $2,126.
  • For cheap car insurance in Jacksonville, small crossovers like the Mazda CX-5, Subaru Crosstrek, Chevrolet Trailblazer, and Toyota C-HR have the most affordable rates.
  • A few models with segment-leading car insurance rates in Jacksonville include the Chevrolet Tahoe at $2,170 per year, Mercedes-Benz A220 at $2,124 per year, Subaru Legacy at $2,094 per year, and Cadillac XT5 at $2,126 per year.

How much does car insurance cost in Jacksonville?

In Jacksonville, the average car insurance expense is $2,160 per year, which is 37.8% more than the national average rate of $1,567. Per month, Jacksonville car insurance costs around $180 for full coverage.

The average price for car insurance in Florida is $2,228 per year, so Jacksonville drivers pay an average of $68 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 $780 per year cheaper than in Miami, $54 per year cheaper than in Orlando, and $424 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 – $7,736 per year or $645 per month
  • 17-year-old rated driver – $7,224 per year or $602 per month
  • 18-year-old rated driver – $6,746 per year or $562 per month
  • 19-year-old rated driver – $6,102 per year or $509 per month
  • 20-year-old rated driver – $4,286 per year or $357 per month
  • 30-year-old rated driver – $2,274 per year or $190 per month
  • 40-year-old rated driver – $2,160 per year or $180 per month
  • 50-year-old rated driver – $1,968 per year or $164 per month
  • 60-year-old rated driver – $1,930 per year or $161 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 November 18, 2022
Average Car Insurance Cost in Jacksonville, FL
Average Car Insurance Cost in Jacksonville, FL
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,638$303
$500$4,286$357
$250$4,968$414
30$1,000$1,910$159
$500$2,274$190
$250$2,652$221
40$1,000$1,826$152
$500$2,160$180
$250$2,506$209
50$1,000$1,668$139
$500$1,968$164
$250$2,280$190
60$1,000$1,638$137
$500$1,930$161
$250$2,238$187

In the chart above, the cost of car insurance in Jacksonville ranges from $1,638 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,968 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 $137 to $414 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 November 18, 2022
Jacksonville Car Insurance Rates for Popular Vehicles
Jacksonville Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,734$145
Subaru Forester$1,868$156
Honda CR-V$1,894$158
Ford Ranger$1,920$160
Honda HR-V$1,942$162
Hyundai Tucson$2,008$167
Toyota RAV4$2,042$170
Ford F150$2,090$174
Nissan Sentra$2,108$176
Nissan Rogue$2,116$176
Toyota Camry$2,124$177
Toyota Corolla$2,124$177
Toyota Highlander$2,174$181
GMC Sierra$2,204$184
Hyundai Santa Fe$2,254$188
Chevrolet Silverado$2,322$194
Hyundai Elantra$2,438$203
Ram Truck$2,468$206
Jeep Wrangler$2,474$206

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 $2,126 per year cheaper than for a 20-year-old driver.
  • Insuring teen drivers gets very expensive – Average rates range from $5,426 to $7,736 per year to insure a teenager in Jacksonville.
  • A low deductible policy costs more – A 30-year-old driver pays an average of $596 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 $676 to $924 less per year than their male counterparts.
  • Jacksonville car insurance costs more than the U.S. average – $2,160 (Jacksonville average) versus $1,567 (U.S. average)
  • Car insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Jacksonville driver will pay $2,012 less per year than a 20-year-old driver, $2,274 compared to $4,286.

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 Trailblazer, Nissan Kicks, Subaru Crosstrek, and Buick Encore. Average auto insurance quotes for those crossover SUVs cost $1,802 or less per year ($150 per month) to get full coverage.

Other models that are highly ranked in our auto insurance cost comparison are the Mazda MX-5 Miata, Buick Envision, Kia Seltos, and Hyundai Kona.

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 $1,876 or less per year ($156 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
1Mazda CX-5$1,644$137
2Nissan Kicks$1,686$141
3Chevrolet Trailblazer$1,696$141
4Honda Passport$1,734$145
5Subaru Crosstrek$1,734$145
6Chevrolet Colorado$1,778$148
7Toyota C-HR$1,778$148
8Buick Encore$1,786$149
9Nissan Rogue Sport$1,802$150
10Hyundai Venue$1,834$153
11Buick Envision$1,838$153
12Kia Seltos$1,842$154
13Ford Maverick$1,848$154
14Acura RDX$1,850$154
15Subaru Ascent$1,854$155
16Toyota Corolla Cross$1,856$155
17Hyundai Kona$1,868$156
18Subaru Forester$1,868$156
19Mazda MX-5 Miata$1,872$156
20Subaru Impreza$1,874$156
21Volkswagen Tiguan$1,876$156
22Chevrolet Spark$1,886$157
23Honda CR-V$1,894$158
24Cadillac XT4$1,896$158
25Mazda CX-30$1,910$159

    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 November 18, 2022
    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 November 18, 2022
    Jacksonville Auto Insurance Rates by Vehicle Segment
    Jacksonville Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,020$168
    Midsize Pickup$2,074$173
    Minivan$2,176$181
    Midsize SUV$2,186$182
    Compact Car$2,222$185
    Midsize Car$2,254$188
    Half-ton Pickup$2,350$196
    Compact Luxury SUV$2,428$202
    Large SUV$2,436$203
    Compact Luxury Car$2,452$204
    Large Car$2,498$208
    Heavy Duty Pickup$2,576$215
    Midsize Luxury SUV$2,608$217
    Midsize Luxury Car$2,860$238
    Sports Car$3,048$254
    Large Luxury SUV$3,262$272
    Large Luxury Car$3,416$285

    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 Subaru Impreza at $1,874 per year to the Toyota Mirai costing $2,792 per year. In the large luxury SUV segment, the average cost of insurance ranges from the Volvo XC90 at $2,336 per year to the Mercedes-Benz Maybach GLS 600 at $4,276 per year, a difference of $1,940 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 Subaru Impreza at $1,874 per year, the Chevrolet Spark at $1,886 per year, and the Volkswagen Golf at $2,076 per year.

    Other cars that have affordable insurance rates include the Honda Insight, Toyota Corolla, Nissan Sentra, and Toyota Camry, with average insurance cost of $2,124 per year or less.

    In the lower half of the top 20 cars to insure, models like the Hyundai Veloster, Mazda 3, Volkswagen Passat, Kia Forte, and Hyundai Accent average between $2,124 and $2,246 to insure per year.

    Auto insurance rates in this segment for a good driver can cost as low as $156 per month, depending on where you live.

    The cheapest non-luxury compact car to insure in Jacksonville is the Subaru Impreza at $1,874 per year. For midsize 2022 models, the Subaru Legacy is cheapest to insure at $2,094 per year. And for full-size non-luxury cars, the Toyota Avalon has the best rates at $2,268 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
    Subaru ImprezaCompact$1,874$156
    Chevrolet SparkCompact$1,886$157
    Volkswagen GolfCompact$2,076$173
    Subaru LegacyMidsize$2,094$175
    Honda InsightMidsize$2,100$175
    Volkswagen JettaCompact$2,100$175
    Nissan SentraCompact$2,108$176
    Kia K5Midsize$2,122$177
    Toyota CamryMidsize$2,124$177
    Toyota CorollaCompact$2,124$177
    Kia RioCompact$2,132$178
    Volkswagen PassatMidsize$2,136$178
    Honda CivicCompact$2,140$178
    Mazda 3Compact$2,150$179
    Mazda 6Midsize$2,152$179
    Toyota PriusCompact$2,160$180
    Hyundai AccentCompact$2,188$182
    Hyundai VelosterCompact$2,208$184
    Kia ForteCompact$2,212$184
    Chevrolet MalibuMidsize$2,246$187

      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 November 18, 2022
      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 $2,268 per year ($189 per month), the Hyundai Elantra costing an average of $2,438 ($203 per month), the Toyota Avalon costing $2,268 ($189 per month), and the Volkswagen GTI at $2,162 ($180 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-5 at $1,644 per year, Nissan Kicks at $1,686 per year, Chevrolet Trailblazer at $1,696 per year, and Honda Passport at $1,734 per year.

      Not the cheapest SUVs to insure, but still affordable, are models like the Hyundai Venue, Buick Encore, Toyota C-HR, and Buick Envision, with average insurance cost of $1,838 per year or less.

      Ranked in the lower half of the top 20, models like the Honda HR-V, Toyota Corolla Cross, Volkswagen Tiguan, Subaru Ascent, and Mazda CX-30 cost between $1,838 and $1,944 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 $137 per month, depending on your company and location.

      The cheapest compact SUV to insure in Jacksonville is the Mazda CX-5 at $1,644 per year. For midsize SUVs, the Honda Passport has the best rates at $1,734 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $2,170 per year.

      The comparison table below ranks the SUVs with the most affordable insurance in Jacksonville, starting with the Mazda CX-5 at $1,644 per year and ending with the Ford Edge at $1,944 per year.

      Cheapest SUVs to Insure in Jacksonville
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,644$137
      Nissan KicksCompact$1,686$141
      Chevrolet TrailblazerCompact$1,696$141
      Honda PassportMidsize$1,734$145
      Subaru CrosstrekCompact$1,734$145
      Toyota C-HRCompact$1,778$148
      Buick EncoreCompact$1,786$149
      Nissan Rogue SportCompact$1,802$150
      Hyundai VenueCompact$1,834$153
      Buick EnvisionCompact$1,838$153
      Kia SeltosCompact$1,842$154
      Subaru AscentMidsize$1,854$155
      Toyota Corolla CrossCompact$1,856$155
      Hyundai KonaCompact$1,868$156
      Subaru ForesterCompact$1,868$156
      Volkswagen TiguanCompact$1,876$156
      Honda CR-VCompact$1,894$158
      Mazda CX-30Compact$1,910$159
      Honda HR-VCompact$1,942$162
      Ford EdgeMidsize$1,944$162

        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 November 18, 2022
        Cheapest SUVs to Insure in Jacksonville

        Some of the more popular SUVs that did not make the cut include the Chevrolet Traverse at $2,226 per year ($186 per month), the Toyota 4Runner costing an average of $2,108 ($176 per month), the Nissan Rogue costing $2,116 ($176 per month), and the Ford Explorer at an average of $2,032 ($169 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 $1,778 per year, Ford Maverick at $1,848 per year, Ford Ranger at $1,920 per year, and Toyota Tacoma at $2,008 per year.

        Additional pickups that have cheaper rates include the GMC Canyon, Ford F150, Hyundai Santa Cruz, and Honda Ridgeline, with average insurance cost of $2,124 per year or less.

        Auto insurance in this segment for a safe driver will start around $148 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$1,778$148
        Ford MaverickMidsize$1,848$154
        Ford RangerMidsize$1,920$160
        Toyota TacomaMidsize$2,008$167
        Nissan FrontierMidsize$2,058$172
        Hyundai Santa CruzMidsize$2,078$173
        GMC CanyonMidsize$2,080$173
        Ford F150Full-size$2,090$174
        Honda RidgelineMidsize$2,106$176
        Jeep GladiatorMidsize$2,124$177
        GMC SierraFull-size$2,204$184
        Nissan TitanFull-size$2,280$190
        Chevrolet SilveradoFull-size$2,322$194
        Toyota TundraFull-size$2,322$194
        Ford F350 Super DutyHeavy Duty$2,346$196
        Chevrolet Silverado HD 3500Heavy Duty$2,362$197
        Nissan Titan XDHeavy Duty$2,428$202
        Ram TruckFull-size$2,468$206
        GMC Sierra 2500 HDHeavy Duty$2,520$210
        GMC Sierra 3500Heavy Duty$2,542$212

          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 November 18, 2022
          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 $1,872 per year. Second place is the Ford Mustang at $2,278 per year, the third cheapest is the BMW Z4, at an average of $2,326 per year, and the fourth cheapest is the Subaru WRX, at an average of $2,458 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 $2,798 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 $2,798 and $3,562 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 $156 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 $1,872 per year ($156 per month) and ending with the Lexus LC 500 at $3,562 per year ($297 per month).

          Cheapest Sports Cars to Insure in Jacksonville
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,872$156
          Ford MustangSports Car$2,278$190
          BMW Z4Sports Car$2,326$194
          Subaru WRXSports Car$2,458$205
          Toyota GR86Sports Car$2,520$210
          Toyota GR SupraSports Car$2,574$215
          Audi TTSports Car$2,630$219
          Subaru BRZSports Car$2,712$226
          Chevrolet CorvetteSports Car$2,720$227
          BMW M3Sports Car$2,798$233
          Porsche 718Sports Car$2,922$244
          Chevrolet CamaroSports Car$2,994$250
          Lexus RC FSports Car$3,066$256
          Dodge ChallengerSports Car$3,072$256
          Mercedes-Benz AMG GT53Sports Car$3,120$260
          Jaguar F-TypeSports Car$3,266$272
          Porsche TaycanSports Car$3,352$279
          Porsche 911Sports Car$3,432$286
          BMW M4Sports Car$3,442$287
          Lexus LC 500Sports Car$3,562$297

            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 November 18, 2022
            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 $2,320 or less per year.

            Also ranking well in our comparison are luxury cars like the BMW 228i, Lexus RC 300, Alfa Romeo Giulia, and BMW 230i, with average cost of $2,398 per year or less.

            In the bottom half of the top 20, cars like the Cadillac CT5, Lexus RC 350, Audi A4, Cadillac CT4, and Mercedes-Benz AMG CLA35 cost between $2,398 and $2,512 per year for insurance in Jacksonville.

            From a monthly standpoint, car insurance rates in Jacksonville on this segment starts at around $166 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 $2,124 per year, or $177 per month. For midsize luxury car models, the Acura ILX has the best rates at $1,990 per year, or $166 per month. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,536 per year, or $211 per month.

            The rate comparison table below ranks the cars with the most affordable insurance in Jacksonville, starting with the Acura ILX at $166 per month and ending with the Audi S3 at $209 per month.

            Cheapest Luxury Cars to Insure in Jacksonville
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,990$166
            Mercedes-Benz A220Compact$2,124$177
            BMW 330iCompact$2,284$190
            Acura TLXCompact$2,296$191
            Volvo S60Compact$2,320$193
            BMW 330eCompact$2,328$194
            BMW 228iCompact$2,342$195
            BMW 230iCompact$2,358$197
            Lexus RC 300Midsize$2,394$200
            Alfa Romeo GiuliaCompact$2,398$200
            Cadillac CT4Compact$2,400$200
            Lexus RC 350Compact$2,404$200
            Genesis G70Compact$2,438$203
            Mercedes-Benz AMG CLA35Midsize$2,452$204
            BMW i4Midsize$2,466$206
            Cadillac CT5Midsize$2,474$206
            Audi A3Midsize$2,498$208
            Audi A4Compact$2,502$209
            Mercedes-Benz AMG CLA45Midsize$2,510$209
            Audi S3Compact$2,512$209

              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 November 18, 2022
              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 $1,850 per year, Cadillac XT4 at $1,896 per year, Volvo XC40 at $2,078 per year, and Cadillac XT5 at $2,126 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 $2,208 per year or less.

              From a cost per month standpoint, auto insurance in Jacksonville on this segment for the average driver starts at around $154 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 $1,850 per year. For midsize luxury models, the Cadillac XT5 has the cheapest rates at $2,126 per year. And for large luxury SUVs, the Volvo XC90 has the cheapest car insurance rates at $2,336 per year.

              The table below ranks the twenty luxury SUVs with the most affordable insurance in Jacksonville, starting with the Acura RDX at $1,850 per year and ending with the Lincoln Corsair at $2,290 per year.

              Cheapest Luxury SUVs to Insure in Jacksonville
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,850$154
              Cadillac XT4Compact$1,896$158
              Volvo XC40Compact$2,078$173
              Cadillac XT5Midsize$2,126$177
              Lexus NX 250Compact$2,150$179
              BMW X1Compact$2,154$180
              Lexus NX 350hCompact$2,164$180
              Lexus UX 250hCompact$2,166$181
              Lexus NX 350Compact$2,202$184
              Lexus UX 200Compact$2,208$184
              Jaguar E-PaceMidsize$2,216$185
              Lexus RX 350Midsize$2,224$185
              Acura MDXMidsize$2,236$186
              Lincoln NautilusMidsize$2,256$188
              Lexus NX 450hCompact$2,264$189
              Mercedes-Benz GLB 250Compact$2,270$189
              Lexus RX 450hMidsize$2,276$190
              Land Rover EvoqueCompact$2,284$190
              Infiniti QX50Midsize$2,286$191
              Lincoln CorsairCompact$2,290$191

                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 November 18, 2022
                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

                With sticker prices ranging from $32,790 to $73,105, average Jacksonville insurance rates for a Ford F150 cost from $1,804 per year for the F150 XL Regular Cab 4WD model up to $2,378 per year for the F150 Limited SuperCrew trim.

                From a monthly standpoint, auto insurance on a 2022 Ford F150 for a good driver can range from $150 to $198 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 $1,736 to $4,722 per year, which is a difference in cost of $2,986 per year just depending on the driver.

                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 November 18, 2022
                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$4,722$394
                Safe Driver Age 20$4,138$345
                At-fault Accidents Age 40$2,946$246
                Low Deductibles Age 40$2,698$225
                Safe Driver Age 30$2,196$183
                Safe Driver Age 40$2,090$174
                Safe Driver Age 50$1,900$158
                Safe Driver Age 60$1,864$155
                High Deductibles Age 40$1,776$148
                Discount Rate Age 40$1,736$145

                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 $20,175 to $28,460, average Jacksonville car insurance rates on a Toyota Corolla range from $2,024 per year on the Corolla L model up to $2,228 per year for the Corolla XSE Apex Edition 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 $596 to $654 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 $169 to $186 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 $1,762 to $4,758 per year, which is a difference in cost of $2,996 just for changes in rated drivers.

                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 November 18, 2022
                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$4,758$397
                Safe Driver Age 20$4,172$348
                At-fault Accidents Age 40$3,010$251
                Low Deductibles Age 40$2,636$220
                Safe Driver Age 30$2,204$184
                Safe Driver Age 40$2,124$177
                Safe Driver Age 50$1,938$162
                Safe Driver Age 60$1,894$158
                High Deductibles Age 40$1,854$155
                Discount Rate Age 40$1,762$147

                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 $1,894 per year. With MSRP ranging from $26,400 to $37,400, average insurance rates for a Honda CR-V cost from $1,780 per year for the CR-V LX model up to $2,020 per year on the CR-V Hybrid Touring trim.

                From a monthly standpoint, auto insurance on a Honda CR-V can range from $148 to $168 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.

                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 November 18, 2022
                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$4,310$359
                Safe Driver Age 20$3,774$315
                At-fault Accidents Age 40$2,678$223
                Low Deductibles Age 40$2,458$205
                Safe Driver Age 30$1,988$166
                Safe Driver Age 40$1,894$158
                Safe Driver Age 50$1,726$144
                Safe Driver Age 60$1,696$141
                High Deductibles Age 40$1,604$134
                Discount Rate Age 40$1,572$131

                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 $566 per year. Major convictions like driving under the influence or reckless driving could raise rates by an additional $1,978 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 $986 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 $339 per year over a lower credit rating of 670-739. Conversely, a credit rating below 579 could cost up to $393 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 $366 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.