For a 40-year-old driver with a clean record, Jacksonville car insurance rates average about $321 a month ($3,849 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $211 a month.
Jacksonville and Orlando are the least expensive of the five Florida cities with 20 or more ZIP codes in our data, at about $321 and $320 a month for our benchmark driver, well below Miami, Tampa and Fort Lauderdale. Jacksonville is about $10 a month below the statewide average on our Florida car insurance rates page.
We price 28 ZIP codes with a Jacksonville mailing address, from about $294 a month in 32256 and 32258 to $341 in 32208.
Cost data comes from the auto rates insurers file with state regulators, priced across all 28 Jacksonville ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Jacksonville averages $3,849 a year, or about $321 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,416 a year ($118 a month), and 50/100/50 liability with comprehensive and collision averages $3,316 ($276 a month).
Travelers has the lowest full-coverage average among the four insurers in our Jacksonville rate data. The published 2026 rate studies we reviewed that rank Jacksonville insurers mostly put GEICO or Travelers first for full coverage. Statewide, the studies disagree: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $66 a month, followed by Travelers at $88.
Full-coverage averages by insurer in Jacksonville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,053 | $88 | $2,529 | $211 |
| GEICO | $789 | $66 | $2,612 | $218 |
| Progressive | $2,100 | $175 | $5,042 | $420 |
| Allstate | $1,720 | $143 | $5,214 | $435 |
| State Farm (Nov. 2025 rates)* | $1,128 | $94 | $2,672 | $223 |
| United Automobile Insurance* | $2,073 | $173 | $3,077 | $256 |
| Nationwide* | $1,670 | $139 | $3,577 | $298 |
| Mercury Insurance* | $1,150 | $96 | $3,969 | $331 |
| Farmers* | $1,542 | $129 | $5,096 | $425 |
| National General* | $1,760 | $147 | $5,364 | $447 |
| Jacksonville average | $1,416 | $118 | $3,849 | $321 |
This table uses Jacksonville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 28 Jacksonville ZIP codes we price, full coverage for our driver ranges from about $294 a month in 32256 and 32258 to $341 in 32208, a gap of $564 a year. The least expensive in our data, 32256, 32258 and 32224, are southeast and east of downtown. The most expensive in our data include 32208 and 32219, to the northwest, and 32207, just southeast of downtown, at about $339 to $341 a month.
Lowest-priced Jacksonville ZIP codes
Highest-priced Jacksonville ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Jacksonville’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 32202 | $1,475 | $123 | $4,003 | $334 | +4% |
| 32204 | $1,470 | $123 | $4,004 | $334 | +4% |
| 32205 | $1,484 | $124 | $4,056 | $338 | +5% |
| 32206 | $1,478 | $123 | $4,018 | $335 | +4% |
| 32207 | $1,499 | $125 | $4,063 | $339 | +6% |
| 32208 | $1,509 | $126 | $4,088 | $341 | +6% |
| 32209 | $1,477 | $123 | $4,025 | $335 | +4% |
| 32210 | $1,450 | $121 | $3,950 | $329 | +2% |
| 32211 | $1,481 | $123 | $4,008 | $334 | +4% |
| 32216 | $1,342 | $112 | $3,640 | $303 | -6% |
| 32217 | $1,382 | $115 | $3,759 | $313 | -2% |
| 32218 | $1,463 | $122 | $3,990 | $333 | +4% |
| 32219 | $1,495 | $125 | $4,067 | $339 | +6% |
| 32220 | $1,442 | $120 | $3,979 | $332 | +3% |
| 32221 | $1,453 | $121 | $3,965 | $330 | +3% |
| 32222 | $1,423 | $119 | $3,863 | $322 | About average |
| 32223 | $1,348 | $112 | $3,629 | $302 | -6% |
| 32224 | $1,325 | $110 | $3,567 | $297 | -7% |
| 32225 | $1,360 | $113 | $3,663 | $305 | -5% |
| 32226 | $1,352 | $113 | $3,720 | $310 | -3% |
| 32234 | $1,341 | $112 | $3,689 | $307 | -4% |
| 32244 | $1,413 | $118 | $3,858 | $322 | About average |
| 32246 | $1,334 | $111 | $3,605 | $300 | -7% |
| 32254 | $1,481 | $123 | $4,044 | $337 | +5% |
| 32256 | $1,299 | $108 | $3,524 | $294 | -8% |
| 32257 | $1,361 | $113 | $3,698 | $308 | -4% |
| 32258 | $1,308 | $109 | $3,533 | $294 | -8% |
| 32277 | $1,393 | $116 | $3,778 | $315 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $533 a year on average in our Jacksonville data, with the same $500 deductibles. That’s about $44 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Jacksonville ZIP codes, their full-coverage average fell from $4,762 a year nine months earlier to $4,289 in rates as of Aug. 31, 2026, a 9.9% drop. Progressive cut its Jacksonville average 17.5%, GEICO 4.7% and Allstate 4.0%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Jacksonville average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 9.6%, led by Progressive, which cut its liability-only average 14.5%.
Duval County averages about $321 a month for full coverage, the 12th-most expensive of the 66 Florida counties we price, and Jacksonville is right at that average. Towns in the neighboring counties cost less: Orange Park, in Clay County to the southwest, averages about $308 a month, St. Johns, in St. Johns County to the south, $286 and Yulee, in Nassau County to the north, $294.
Travelers and GEICO are close here, at about $211 and $218 a month for full coverage, while Progressive and Allstate average about $420 and $435 for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Gainesville, about 62 miles southwest, averages $257 a month and Daytona Beach, about 85 miles southeast, $287. Tallahassee, about 155 miles west, averages $271.
Drivers in Jacksonville follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Jacksonville averages about $321 a month ($3,849 a year) and liability-only coverage at 15/30/10 limits about $118 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% below the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Jacksonville rate data, at about $211 a month, with GEICO close behind at $218. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our Jacksonville rate data, at about $66 a month. The published 2026 rate studies we reviewed that rank Jacksonville insurers mostly put GEICO or Travelers first for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Jacksonville full coverage averages about $321 a month and Orlando about $320.
In our data, 32256 and 32258 share the lowest full-coverage average in Jacksonville, at about $294 a month, and 32208 the highest, at about $341. The ZIP code table on this page lists all 28.
In our Jacksonville data, full coverage (100/300/100 with $500 deductibles) averages about $321 a month and liability-only coverage at 15/30/10 limits about $118, a difference of about $203 a month ($2,433 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Jacksonville full-coverage average fell 9.9%, from about $4,762 to $4,289 a year. That’s higher than the Jacksonville average of $3,849 because it leaves out Travelers. Progressive cut its Jacksonville average 17.5%, GEICO 4.7% and Allstate 4.0%. Liability-only coverage at 15/30/10 limits fell 9.6%.
For our benchmark driver, full coverage in Jacksonville averages about $321 a month. Nearby, Gainesville averages about $257, Daytona Beach about $287 and Sanford about $284. Gainesville, Daytona Beach and Sanford are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
