Jacksonville Car Insurance Cost – Rates + Cheapest to Insure (2023)

• Jacksonville car insurance cost averages $1,922 per year for a full-coverage policy, or around $160 per month.
• Jacksonville auto insurance averages $304 per year less than the Florida state average rate and $194 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 $1,766 per year, Subaru Outback at $1,656, and Ford Escape at $1,762.
• For cheap car insurance in Jacksonville, small crossovers like the Chevrolet Trailblazer, Nissan Rogue Sport, Nissan Kicks, and Mazda CX-5 have the most affordable rates.
• A few models with segment-leading car insurance rates in Jacksonville include the Chevrolet Tahoe at $1,800 per year, Acura Integra at $1,726 per year, Subaru Legacy at $1,768 per year, and Lexus RX 350 at $1,720 per year.

How much does car insurance cost in Jacksonville?

In Jacksonville, the average car insurance expense is $1,922 per year, which is 10.6% more than the national average rate of $1,728. Per month, Jacksonville car insurance costs around $160 for full coverage.

The average price for car insurance in Florida is $2,226 per year, so Jacksonville drivers pay an average of $304 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 $652 per year cheaper than in Miami, $44 per year cheaper than in Orlando, and $354 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 – $6,884 per year or $574 per month
• 17-year-old rated driver – $6,438 per year or $537 per month
• 18-year-old rated driver – $6,014 per year or $501 per month
• 19-year-old rated driver – $5,444 per year or $454 per month
• 20-year-old rated driver – $3,824 per year or $319 per month
• 30-year-old rated driver – $2,024 per year or $169 per month
• 40-year-old rated driver – $1,922 per year or $160 per month
• 50-year-old rated driver – $1,750 per year or $146 per month
• 60-year-old rated driver – $1,720 per year or $143 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 2023 vehicle models including luxury models.

In the chart above, the cost of car insurance in Jacksonville ranges from $1,454 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,444 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 $121 to $370 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 2023 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 $1,902 per year cheaper than for a 20-year-old driver.
• Insuring teen drivers gets very expensive – Average rates range from $4,842 to $6,884 per year to insure a teenager in Jacksonville.
• A low deductible policy costs more – A 30-year-old driver pays an average of $538 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 $602 to $822 less per year than their male counterparts.
• Jacksonville car insurance costs more than the U.S. average – $1,922 (Jacksonville average) versus $1,728 (U.S. average)
• Car insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Jacksonville driver will pay $1,800 less per year than a 20-year-old driver, $2,024 compared to $3,824.

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 Nissan Kicks, Subaru Crosstrek, Nissan Rogue Sport, and Buick Encore. Average auto insurance quotes for those crossover SUVs cost $1,538 or less per year ($128 per month) to get full coverage.

Other models that are highly ranked in our auto insurance cost comparison are the Ford Edge, Hyundai Venue, Subaru Impreza, 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 $1,628 or less per year ($136 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 Subaru Impreza at $1,590 per year to the Toyota Mirai costing $2,384 per year. In the large luxury SUV segment, the average cost of insurance ranges from the Volvo XC90 at $1,984 per year to the Mercedes-Benz Maybach GLS 600 at $3,652 per year, a difference of $1,668 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 $1,590 per year, the Volkswagen Jetta at $1,758 per year, and the Subaru Legacy at $1,768 per year.

Other cars that have affordable insurance rates include the Volkswagen Golf, Mazda 3, Toyota Prius, and Kia K5, with average insurance cost of $1,852 per year or less.

In the lower half of the top 20 cars to insure, models like the Toyota Crown, Kia Forte, Chevrolet Malibu, Tesla Model 3, and Honda Accord average between $1,852 and $2,016 to insure per year.

Auto insurance rates in this segment for a good driver can cost as low as $133 per month, depending on where you live.

The cheapest non-luxury compact car to insure in Jacksonville is the Subaru Impreza at $1,590 per year. For midsize 2023 models, the Subaru Legacy is cheapest to insure at $1,768 per year. And for full-size non-luxury cars, the Chrysler 300 has the best rates at $1,874 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 Chevrolet Trailblazer at $1,454 per year, Subaru Crosstrek at $1,468 per year, Nissan Kicks at $1,472 per year, and Honda Passport at $1,492 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Kia Seltos, Buick Encore, Mazda CX-5, and Subaru Ascent, with average insurance cost of $1,562 per year or less.

Ranked in the lower half of the top 20, models like the Volkswagen Atlas, Hyundai Kona, Honda CR-V, Honda HR-V, and Ford Explorer cost between $1,562 and $1,652 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 $121 per month, depending on your company and location.

The cheapest compact SUV to insure in Jacksonville is the Chevrolet Trailblazer at $1,454 per year. For midsize SUVs, the Honda Passport has the best rates at $1,492 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is cheapest to insure at $1,800 per year.

The comparison table below ranks the SUVs with the most affordable insurance in Jacksonville, starting with the Chevrolet Trailblazer at $1,454 per year and ending with the Chevrolet Trax at $1,652 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 Ford Maverick at $1,594 per year, Chevrolet Colorado at $1,602 per year, Nissan Frontier at $1,660 per year, and Ford Ranger at $1,704 per year.

Additional pickups that have cheaper rates include the Hyundai Santa Cruz, Nissan Titan, Toyota Tacoma, and Honda Ridgeline, with average insurance cost of $1,954 per year or less.

Auto insurance in this segment for a safe driver will start around $133 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 $1,774 per year. Second place is the Audi TT at $1,992 per year, the third cheapest is the Ford Mustang, at an average of $2,084 per year, and the fourth cheapest is the BMW Z4, at an average of $2,098 per year.

Rounding out the top 10 are models like the Toyota GR86, BMW M2, Subaru BRZ, and Nissan Z, with average insurance cost of $2,318 per year or less.

In the bottom half of the top 20, cars like the Porsche 718, BMW M4, Chevrolet Camaro, Chevrolet Corvette, and Mercedes-Benz AMG GT53 average between $2,318 and $2,888 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 $148 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 $1,774 per year ($148 per month) and ending with the Lexus LC 500 at $2,888 per year ($241 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 Genesis G70, Acura Integra, Acura TLX, Cadillac CT4, and BMW 330i. Insurance rates for these 2023 models average $2,046 or less per year.

Also ranking well in our comparison are luxury cars like the Lexus ES 350, Lexus ES 250, BMW 228i, and BMW 330e, with average cost of $2,088 per year or less.

In the bottom half of the top 20, cars like the Audi A4, Mercedes-Benz AMG CLA35, Audi S3, Lexus RC 300, and BMW 230i cost between $2,088 and $2,146 per year for insurance in Jacksonville.

From a monthly standpoint, car insurance rates in Jacksonville on this segment starts at around $144 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 $1,726 per year, or $144 per month. For midsize luxury car models, the Cadillac CT5 has the best rates at $2,068 per year, or $172 per month. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,154 per year, or $180 per month.

The rate comparison table below ranks the cars with the most affordable insurance in Jacksonville, starting with the Acura Integra at $144 per month and ending with the Volvo S60 at $179 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 $1,604 per year, Lexus RX 350 at $1,720 per year, Cadillac XT4 at $1,734 per year, and Volvo XC40 at $1,768 per year.

Not the cheapest, but still in the top 10, are SUVs like the Lexus UX 250h, Mercedes-Benz GLA250, Cadillac XT5, and Mercedes-Benz GLB 250, with average cost of $1,870 per year or less.

From a cost per month standpoint, auto insurance in Jacksonville on this segment for the average driver starts at around $134 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 $1,604 per year. For midsize luxury models, the Lexus RX 350 has the cheapest rates at $1,720 per year. And for large luxury SUVs, the Volvo XC90 has the cheapest car insurance rates at $1,984 per year.

The table below ranks the twenty luxury SUVs with the most affordable insurance in Jacksonville, starting with the Acura RDX at $1,604 per year and ending with the Mercedes-Benz GLC300 at $1,956 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 $42,995 to $96,874, average Jacksonville insurance rates for a Ford F150 cost from $1,674 per year for the F150 XL Super Cab 4WD model up to $2,156 per year for the F150 Lightning Platinum trim.

From a monthly standpoint, auto insurance on a 2023 Ford F150 for a good driver can range from $140 to $180 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 $1,624 to $4,404 per year, which is a difference in cost of $2,780 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 $21,550 to $26,700, average Jacksonville car insurance rates on a Toyota Corolla range from $1,712 per year on the Corolla LE model up to $1,864 per year for the Corolla XSE 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 $96 to $106 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 $143 to $155 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 $1,498 to $4,066 per year, which is a difference in cost of $2,568 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 $1,628 per year. With MSRP ranging from $31,110 to $38,600, average insurance rates for a Honda CR-V cost from $1,576 per year for the CR-V EX model up to $1,710 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 $131 to $143 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 $506 per year. Major convictions like driving under the influence or reckless driving could raise rates by an additional $1,768 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 $1,256 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 $302 per year over a lower credit rating of 670-739. Conversely, a credit rating below 579 could cost up to $350 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 $328 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.