Jacksonville runs about $212 a month for full coverage, just above Florida’s $203 average, and FDOT lists I-95 and I-10 among Duval County’s strategic freight highways, with the I-295 beltway carrying traffic around the core. This page covers Florida’s rules and costs.
Jacksonville averages about $212 a month for full coverage and $90 for minimum coverage, just above the Florida averages of $203 and $86. Florida requires $10,000 of personal injury protection and $10,000 of property damage liability, and no bodily injury liability for most drivers.
GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and considers drivers with a range of records. Down-payment and payment options vary by state and situation. Here’s how they work:
Jacksonville averages about $212 a month for full coverage, second lowest of the Florida cities MoneyGeek breaks out, after Tallahassee at $186.
It is the largest city by area in the continental United States, with the St. Johns River, the Atlantic beaches and neighborhoods such as Riverside, Avondale and San Marco. That size means long drives on I-95, I-10 and the I-295 beltway, plus coastal weather, which is where comprehensive coverage comes in.
Jacksonville’s food, music and sports draw crowds year-round, from the Jaguars to the Jumbo Shrimp. Event traffic concentrates on the same interstates commuters use, and a policy built around Florida’s minimum does not cover damage to your own vehicle.
Jacksonville averages about $212 a month for full coverage and $90 for minimum coverage. Tampa and Miami both sit at about $315 for full coverage, and Tallahassee is the lowest at $186.
| Coverage level | Jacksonville | Florida |
|---|---|---|
| Minimum coverage | $90 / mo | $86 / mo$1,033 / yr |
| Full coverage | $212 / mo | $203 / mo$2,431 / yr |
Source: MoneyGeek, Average Cost of Car Insurance in Florida for 2026, page updated 25 August 2026. Market averages across all carriers, not GoAuto rates. MoneyGeek publishes city figures monthly only.
The Jacksonville Beach Pier, the Cummer Museum of Art & Gardens, Friendship Fountain, Kingsley Plantation and Little Talbot Island State Park are spread across a large city, and reaching them usually means the interstates.
FDOT’s Duval County freight overview lists I-10 and I-95 among the county’s Strategic Intermodal System highways, so long-haul freight and local driving share the same lanes, with the I-295 beltway taking traffic around the core.
Source: FDOT, Duval County Freight and Logistics Overview (archived copy).
Florida is a no-fault state: your own personal injury protection pays toward your injuries no matter who caused the crash. The minimum required of most drivers is:
Florida does not require bodily injury liability for most drivers, so a minimum policy has no required coverage for injuries you cause to other people. Many drivers add:
If your vehicle is financed or leased, your lender may require comprehensive and collision coverage. For official guidelines on state requirements and registration, visit the Florida Highway Safety and Motor Vehicles insurance page.
Sources: Florida Statutes section 627.733; section 627.736; section 324.022; FLHSMV, Insurance Requirements.
Uninsured share: Insurance Information Institute, Facts and Statistics: Uninsured Motorists (Insurance Research Council, 2023 data).
GoAuto Insurance writes auto coverage across its licensed states, including Florida, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote. You can also call 833-700-0000.
Rates in Jacksonville vary with your driving history, vehicle, age, ZIP code and the coverage you choose, and each company weighs those factors differently. No single company is lowest for every driver, so the useful comparison is identical limits and deductibles quoted side by side. GoAuto focuses on state-minimum liability coverage, and the way to see what applies to you is to get a quote.
Not reliably. National and regional companies rate drivers differently, so neither group is consistently lower in Jacksonville. Compare quotes at the same limits and deductibles, and the difference you see is a difference in rating rather than in coverage.
Start by matching the policy to what you actually need: check the limits, and whether a lender requires collision and comprehensive. Keeping a clean driving record, keeping coverage continuous, choosing deductibles you could pay, and asking about available discounts can all affect the price. Results depend on your state, record and vehicle.
Jacksonville averages about $212 a month for full coverage and $90 for minimum coverage, according to MoneyGeek’s 2026 Florida analysis, against Florida averages of $203 and $86. Among the Florida cities in that analysis it is second lowest, after Tallahassee at $186. These are market averages across all carriers, not GoAuto rates.
Florida requires $10,000 of personal injury protection and $10,000 of property damage liability. Most drivers are not required to carry bodily injury liability. Florida Statutes section 627.733 requires the PIP coverage, section 627.736 sets the $10,000 benefit, and section 324.022 sets the property damage requirement.
GoAuto’s locations directory lists no office in Jacksonville. You can get a quote online or by phone on 833-700-0000.
Get the best coverage options in Jacksonville by connecting with a dedicated agent, finding a sales office near you, or receiving your free online quote today!
Last updated: October 2026. The information on this page is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The figures on this page are third-party market averages, not GoAuto rates or rating factors. For an accurate quote, contact GoAuto directly.