Key Takeaways
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Average Costs: The average annual cost for full-coverage car insurance in Jacksonville, FL is $3,150, which breaks down to $262 per month.
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Cheapest Provider: State Farm is the cheapest car insurance company in Jacksonville, offering an average annual premium of $2,100.
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ZIP Code Variations: Car insurance rates in Jacksonville vary by local ZIP code. The 32259 area offers the cheapest average rates at $2,850 per year, while the 32209 area is the most expensive at $3,650 per year.
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State Requirements: Florida is a no-fault state requiring all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) to legally operate a vehicle.
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Rate Factors: There are 6 primary factors affecting your auto insurance rates: driving record, age, vehicle type, credit-based insurance score, coverage limits, and daily mileage.
Introduction
Car insurance in Jacksonville, FL is a financial agreement where drivers pay a premium to an insurance company for local vehicle coverage and liability protection. There are 3 main benefits of car insurance in Jacksonville: financial protection against accidents, compliance with Florida state laws, and medical coverage for bodily injuries.
Drivers use auto insurance in Jacksonville to pay for collision repairs, cover uninsured motorist claims, and manage personal injury protection (PIP) costs.
The 4 main components of a Florida car insurance policy include property damage liability, personal injury protection, comprehensive coverage, and collision coverage. This guide compares auto insurance rates by state for March 2026, explains minimum car insurance in each state, and details how to find cheap car insurance in Jacksonville, FL.
Car Insurance Rates by State: 2026 Comparison
Auto insurance rates by state
Auto insurance rates vary by state based on local regulations, traffic density, and weather risks. Drivers pay different premiums based on their location.
Average car insurance cost by state
The national average cost for full-coverage car insurance in the U.S. is $2,150 per year in March 2026. State averages range from $1,300 to over $3,500 annually.
Alabama
The average annual car insurance rate in Alabama is $1,850.
Alaska
The average annual car insurance rate in Alaska is $1,620.
Arizona
The average annual car insurance rate in Arizona is $2,050.
Arkansas
The average annual car insurance rate in Arkansas is $1,980.
California
The average annual car insurance rate in California is $2,450.
Colorado
The average annual car insurance rate in Colorado is $2,310.
Connecticut
The average annual car insurance rate in Connecticut is $2,180.
Delaware
The average annual car insurance rate in Delaware is $2,410.
Florida
The average annual car insurance rate in Florida is $3,150. Florida auto insurance rates are high due to severe weather and high uninsured driver rates.
Georgia
The average annual car insurance rate in Georgia is $2,250.
Hawaii
The average annual car insurance rate in Hawaii is $1,450.
Idaho
The average annual car insurance rate in Idaho is $1,350.
Illinois
The average annual car insurance rate in Illinois is $1,890.
Indiana
The average annual car insurance rate in Indiana is $1,550.
Iowa
The average annual car insurance rate in Iowa is $1,420.
Kansas
The average annual car insurance rate in Kansas is $1,780.
Kentucky
The average annual car insurance rate in Kentucky is $2,350.
Louisiana
The average annual car insurance rate in Louisiana is $3,450.
Maine
The average annual car insurance rate in Maine is $1,310.
Maryland
The average annual car insurance rate in Maryland is $2,210.
Massachusetts
The average annual car insurance rate in Massachusetts is $1,750.
Michigan
The average annual car insurance rate in Michigan is $3,250.
Minnesota
The average annual car insurance rate in Minnesota is $1,820.
Mississippi
The average annual car insurance rate in Mississippi is $1,950.
Missouri
The average annual car insurance rate in Missouri is $2,150.
Montana
The average annual car insurance rate in Montana is $1,910.
Nebraska
The average annual car insurance rate in Nebraska is $1,650.
Nevada
The average annual car insurance rate in Nevada is $2,950.
New Hampshire
The average annual car insurance rate in New Hampshire is $1,410.
New Jersey
The average annual car insurance rate in New Jersey is $2,450.
New Mexico
The average annual car insurance rate in New Mexico is $1,880.
New York
The average annual car insurance rate in New York is $3,350.
North Carolina
The average annual car insurance rate in North Carolina is $1,550.
North Dakota
The average annual car insurance rate in North Dakota is $1,520.
Ohio
The average annual car insurance rate in Ohio is $1,480.
Oklahoma
The average annual car insurance rate in Oklahoma is $2,180.
Oregon
The average annual car insurance rate in Oregon is $1,680.
Pennsylvania
The average annual car insurance rate in Pennsylvania is $2,050.
Rhode Island
The average annual car insurance rate in Rhode Island is $2,350.
South Carolina
The average annual car insurance rate in South Carolina is $2,110.
South Dakota
The average annual car insurance rate in South Dakota is $1,650.
Tennessee
The average annual car insurance rate in Tennessee is $1,750.
Texas
The average annual car insurance rate in Texas is $2,380.
Utah
The average annual car insurance rate in Utah is $1,690.
Vermont
The average annual car insurance rate in Vermont is $1,330.
Virginia
The average annual car insurance rate in Virginia is $1,550.
Washington
The average annual car insurance rate in Washington is $1,720.
Washington, D.C.
The average annual car insurance rate in Washington, D.C. is $2,250.
West Virginia
The average annual car insurance rate in West Virginia is $1,850.
Wisconsin
The average annual car insurance rate in Wisconsin is $1,510.
Wyoming
The average annual car insurance rate in Wyoming is $1,590.
Minimum car insurance in each state
Minimum car insurance is required by law in 48 out of 50 states. New Hampshire and Virginia allow drivers to opt out of car insurance requirements under specific conditions. Drivers must carry minimum liability limits to legally operate a vehicle on public roads.
Compare auto insurance rates
To compare auto insurance rates, drivers evaluate quotes from multiple carriers side-by-side.
Car insurance rates by city
City populations and traffic density influence auto insurance rates directly.
Compare car insurance rates for cities in your state
Drivers compare car insurance rates for cities in their state by requesting localized quotes. Rates are generally higher in urban centers compared to rural towns.
Compare auto insurance rates by ZIP code
Insurance companies evaluate auto insurance rates by ZIP code to account for local accident frequency, vehicle theft rates, and weather hazards.
States with the cheapest car insurance
The states with the cheapest car insurance are located in New England and the Midwest.
Top 10 states with the lowest car insurance rates
There are 10 states with the lowest average annual full-coverage rates, including Maine and Vermont.
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Maine: $1,310
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Vermont: $1,330
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Idaho: $1,350
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New Hampshire: $1,410
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Iowa: $1,420
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Hawaii: $1,450
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Ohio: $1,480
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Wisconsin: $1,510
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North Dakota: $1,520
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Indiana: $1,550
States with the highest car insurance rates
The states with the highest car insurance rates experience severe weather events, high litigation costs, and dense traffic.
Top 10 states with the highest car insurance rates
There are 10 states with the highest average annual full-coverage rates, including Louisiana and New York.
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Louisiana: $3,450
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New York: $3,350
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Michigan: $3,250
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Florida: $3,150
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Nevada: $2,950
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New Jersey: $2,450
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California: $2,450
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Delaware: $2,410
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Texas: $2,380
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Rhode Island: $2,350
How do state requirements affect car insurance costs?
State requirements dictate the baseline cost of auto insurance. States mandating high bodily injury liability limits or PIP coverage report higher average premiums.
No-fault states vs. fault states
In a no-fault state, your insurance covers your medical bills regardless of who caused the accident. In a fault state, the at-fault driver’s insurance pays for the victim’s damages and injuries.
The 12 no-fault states
There are 12 no-fault states in the U.S., including Florida, Michigan, and New York.
No-fault states
Drivers in no-fault states must purchase PIP coverage. This coverage guarantees immediate medical payment without waiting for fault determination.
Is full coverage required in my state?
No, full-coverage car insurance is not legally required by any state. Purchase full coverage, if you have an active auto loan or lease.
What other factors besides your state affect auto insurance rates?
There are 6 primary factors affecting auto insurance rates, including driving record, age, vehicle type, credit-based insurance score, coverage limits, and daily mileage.
How can moving states impact your car insurance rates?
Moving states changes your primary rating territory. Insurance companies recalculate your premium based on the new state’s regulations, minimum requirements, and local accident statistics.
Cheap car insurance in Jacksonville, FL
Cheapest car insurance company in Jacksonville
State Farm is the cheapest car insurance company in Jacksonville, FL State Farm offers cheap car insurance for local drivers seeking liability coverage.
Average annual rates from insurers in Jacksonville
There are 4 main car insurance companies in Jacksonville FL offering competitive annual rates, including State Farm and Geico.
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State Farm: $2,100
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Geico: $2,250
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Progressive: $2,400
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Allstate: $2,800
How much is car insurance in Jacksonville per month?
<b>The average cost of full coverage car insurance in Jacksonville is $262 per month.</b> Affordable car insurance in Jacksonville FL drops to $115 per month for minimum liability auto insurance.
How do car insurance rates in Jacksonville compare to other large U.S. cities?
Jacksonville auto insurance rates are 15% lower than Miami but 25% higher than Atlanta.
Monthly full-coverage car insurance costs in major U.S. metropolitan areas
There are 5 major cities to compare against Jacksonville, including Miami and Los Angeles.
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Miami, FL: $310
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Los Angeles, CA: $285
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Jacksonville, FL: $262
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Houston, TX: $245
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Atlanta, GA: $210
What is the average annual cost of car insurance in Jacksonville?
The average annual cost of full coverage car insurance in Jacksonville is $3,150. Jacksonville insurance quotes vary based on the driver’s history and chosen deductible options.
How much does car insurance cost after a ticket or accident in Jacksonville?
A speeding ticket increases Jacksonville car insurance rates by $450 per year. An at-fault accident increases Jacksonville insurance premiums by $900 per year. High risk driver policies cost an average of $4,500 annually.
How does age affect car insurance rates in Jacksonville?
Age determines driving experience risk. Jacksonville teen driver insurance is the most expensive, averaging $6,200 annually. Rates drop significantly when a driver reaches 25 years old
Which ZIP codes in Jacksonville have the cheapest car insurance?
ZIP codes in the southern and eastern suburbs offer the cheapest local car insurance in Jacksonville.
Cheapest car insurance rates in Jacksonville, by ZIP code
There are 3 ZIP codes offering affordable Jacksonville liability coverage, including 32256 and 32259.
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32259: $2,850/year
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32256: $2,900/year
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32224: $2,950/year
Most expensive car insurance rates in Jacksonville, by ZIP code
There are 3 ZIP codes with the highest insurance rates in Jacksonville, including 32208 and 32209.
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32209: $3,650/year
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32208: $3,580/year
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32206: $3,500/year
How to choose the right car insurance in Jacksonville
To choose the right car insurance in Jacksonville, compare car insurance jacksonville quotes from at least three different carriers. Review comprehensive Jacksonville coverage specifics. Ask a local independent insurance agent about Jacksonville defensive driving discounts, Jacksonville insurance bundling discounts, and customized coverage Jacksonville drivers need. Obtain quick Jacksonville online quotes before deciding.
How much is car insurance in other cities?
The cost of car insurance in other Florida cities varies. Tampa drivers pay $3,200 annually, while Orlando drivers pay $3,100 annually.
Frequently asked questions
What other factors are considered in my car insurance rate?
Other factors considered in your car insurance rate include your marital status, homeowner status, and previous insurance lapses. Ask your provider about Jacksonville classic car coverage or Jacksonville rideshare insurance options.
What is a tort state?
A tort state is an at-fault state where the driver responsible for an accident must pay for the other party’s medical and property damages.
What is the best car insurance company in my state?
The best car insurance company varies by state based on customer service and pricing. Evaluate local agent support and Jacksonville insurance policy reviews to determine the best provider.
Which state has the highest car insurance rate?
Louisiana has the highest car insurance rate. The average rate in Louisiana is $3,450.
What state has the cheapest car insurance?
Maine has the cheapest car insurance. The average rate in Maine is $1,310.
How much are car insurance rates in California vs. Florida?
Car insurance rates in California average $2,450, while Florida averages $3,150.
How much does car insurance cost in New York vs. New Jersey?
Car insurance in New York costs $3,350, while New Jersey costs $2,450.
Methodology
The data for auto insurance Jacksonville Florida rates was collected from public rate filings.
Rates
Rates were averaged across 10 major insurance providers operating in Duval county.
Other profiles
We evaluated rates for a 35-year-old single driver with a clean driving record.
Credit-based insurance scores:
Drivers with “Good” credit scores were used as the baseline for all state rate comparisons.
Incidents:
Incidents evaluated include at-fault accidents, speeding tickets, and DUIs. Drivers with a DUI require SR22 insurance Jacksonville FL.
Mileage:
The baseline profile commutes 12,000 miles per year. Drivers with lower mileage can secure Jacksonville usage based insurance.
Model:
A 2024 Toyota RAV4 was used as the standard vehicle model.
Age:
Age brackets analyzed include 18, 25, 35, 50, and 65 years old.
Gender:
Rates were averaged equally across male and female profiles where state law permits gender rating.
Status:
Single, married, and divorced driver statuses were analyzed to determine average premium impacts.
Summary
Car insurance in Jacksonville, FL is a financial agreement where drivers pay a premium to an insurance company for local vehicle coverage.
There are 3 main benefits of car insurance in Jacksonville: financial protection against accidents, compliance with Florida state laws, and medical coverage for bodily injuries. Drivers use auto insurance in Jacksonville to pay for collision repairs, cover uninsured motorist claims, and manage personal injury protection costs.
The 4 main components of a Florida car insurance policy include property damage liability, personal injury protection, comprehensive coverage, and collision coverage. Ensure you compare quotes, review deductible options, and apply military discounts available to find low cost auto insurance Jacksonville FL.