JACKSONVILLE, Fla. — The Jacksonville Jaguars are AFC South champions for the first time in five years, a title secured when Josh Allen returned a fumble 37 yards for a touchdown with 2:51 remaining for a 20-16 win over Tennessee on Saturday night.

Rayshawn Jenkins forced Josh Dobbs’ fumble, and Allen scooped up the bouncing ball and ran, untouched, the other way for a lead that held up against the Titans in a win-and-in game in the regular-season finale for both.

Dobbs fumbled again on the ensuing possession, and the Jaguars (9-8) started to celebrate their most significant regular-season victory in franchise history.

Jacksonville earned the No. 4 seed in the conference playoffs and will host either the Los Angeles Chargers or Baltimore in the wild-card round next weekend.

It’s the 18th time in the last 20 seasons that at least one NFL team won its division after finishing last or tied for last the previous year.

Jacksonville closed the regular season with its fifth consecutive victory and became the fifth team in NFL history to make the playoffs with a five-game losing streak and a five-game winning streak in the same season.

Tennessee (7-10) lost its final seven games, a skid that had just about everyone writing them off before Saturday’s finale.

The Titans rested several starters last week and essentially created a 10-day break to get healthy. They returned to their bruising brand of football and looked like they would pull an improbable turnaround – until Dobbs’ turnover changed the game.