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What's the average cost of car insurance in Jacksonville?


Auto insurance costs an average of $2,245 per year in Jacksonville. That's cheaper than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548. Our guide to Jacksonville auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


JACKSONVILLE CAR INSURANCE RATES
Jacksonville Average (annual)Florida AverageUnited States Average
$2,245$2,309$1,548

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Jacksonville car insurance premiums by company


The best way to save on auto insurance is to compare rates from as many companies as possible (it's free!), selecting the provider from which you receive the most affordable quote. For a typical driver, State Farm offers Jacksonville's most affordable premiums. See below the best options for affordable auto insurance in Jacksonville. Don't forget to get car insurance quotes based on your driving profile.


JACKSONVILLE CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
State Farm$1,679
GEICO$1,966
Progressive$2,744
Allstate$3,153

Read our guide to finding the best cheap auto insurance.



Jacksonville car insurance costs by age

The age group that pays the least for car insurance in Jacksonville are drivers in their 50s ($2,047per year). Drivers in their 60s pay marginally higher rates — $2,093 per year.

Teen drivers pay Jacksonville's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Jacksonville is to age out of your teens. In Jacksonville, teenage drivers pay $6,471 — a full $4,378 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN JACKSONVILLE
Age tierAverage Annual Rate
Teenagers$6,471
20s$2,894
30s$2,235
40s$2,187
50s$2,047
60s$2,093
70s$2,560

Learn more about the impact of age on auto insurance rates.



Jacksonville car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Jacksonville pay $102 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Jacksonville, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Jacksonville, female drivers pay $36 per year more than do male drivers.


JACKSONVILLE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$2,281
Male$2,245
Single$2,143
Married$2,143
Divorced$2,245
Widowed$2,197

Learn more about how gender and marital status have on car insurance rates.



Jacksonville car insurance costs by accident and violation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Jacksonville drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,145 per year versus the city average. A ticket for speeding results in a $547 rate hike, on average, while a DUI violation costs $1,032per year in insurance premiums.


JACKSONVILLE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DUI/DWI$3,277
Reckless Driving$3,390
At-fault Accident (damages less than $1,000)$3,096
At-fault Accident (damages > $2,000)$3,096
Speeding Ticket (16-20 mph over speed limit)$2,792

Learn more about citations' impact on your auto insurance rates.



Jacksonville auto insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. In fact, Jacksonville drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 59% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Jacksonville, moving into the "Fair" credit tier corresponds to an average of $1,660 in savings on insurance each year.


JACKSONVILLE AUTO INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Yearly Rate
Very Poor$4,403
Fair$2,743
Good$2,245
Very Good$2,040
Exceptional$1,812

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Jacksonville?

Where you live in Jacksonville affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Jacksonville is no exception to the rule. From ZIP code 32097 to 32211, premiums rise by 17 percent—that’s $319.

Expensive Jacksonville ZIP codes: 32220, 32218, 32205, 32219, 32211

Cheap Jacksonville ZIP codes: 32097, 32259, 32256, 32250, 32224

Jacksonville Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Jacksonville, you can expect 114 rainy days with an annual rainfall of 52.4 inches. Jacksonville is also known to experience thunderstorms and occasional hurricanes.

114

Rainy Days a Year

52"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Jax

2
Major Highways
I-10 I-95 I-295
2
Public Transit
JTA Bus Skyway

Trolley

2
Toll Roads
SR 23
2
Popular Day Trips
Daytona Beach Fernandina Beach Fort Clinch State Park

Car Insurance Companies in Jacksonville

21st Century Acceptance Insurance AFI Allied Allstate Amica Mutual Insurance AssuranceAmerica Auto-Owners Bristol West Cinch Dairyland Direct Auto Electric Insurance Company Esurance FIMC Foremost GAINSCO GEICO Hanover Infinity Jupiter Auto KAI Kingsway America Liberty Mutual Mendota Mercury MetLife National General Nationwide Neptune Flood Insurance Progressive Safeco State Farm Stillwater The General The Hartford Titan Tower Hill Travelers United Automobile Universal Property UPC USAA Windhaven

Find Local Jacksonville Agents

Brightway Insurance

3621 Hendricks Ave, Jacksonville, FL 32207

Wells Fargo Insurance Services USA, Inc.

1 Independent Dr #630, Jacksonville, FL 32202

Beale Marine & Casualty, Inc.

1544 San Mateo Ave, Jacksonville, FL 32207

James F. Tullis & Associates, Inc.

1645 San Marco Blvd, Jacksonville, FL 32207

Frye Insurance Agency, Inc

1851 University Blvd South, Jacksonville, FL 32216

Erwin Insurance Agency, Inc.

3547 Hendricks Ave, Jacksonville, FL 32207

Insure-All Insurance Agency

1840 University Blvd S, Jacksonville, FL 32216

Greene Hazel Insurance Group

10739 Deerwood Park Boulevard Suite 200, Jacksonville, FL 32256

Eastside Insurance Center Inc

3101 N Main St, Jacksonville, FL 32206

The Della Porta Group, Inc.

7807 Baymeadows Road E, Suite 301, Jacksonville, FL 32256

Brightway Insurance

2104 Park St, Jacksonville, FL 32204

Harden & Associates, Inc.

501 Riverside Ave Ste 1000, Jacksonville, FL 32202

John L. Kirby & Associates Inc

4196 Herschel St, Jacksonville, FL 32210

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501, Jacksonville, FL 32207

Riley Insurance Services, Inc.

825 Edgewood Avenue West, Jacksonville, FL 32208

Cecil W Powell & Co

219 N. Newnan St, Jacksonville, FL 32202

Armstrong & Bosh Insurance Agency

5454 Normandy Blvd, Jacksonville, FL 32205

W.W. Erwin Inc

7603 Lem Turner Rd., Jacksonville, FL 32208

Bissell & Associates Insurance Inc

3305 Hendricks Ave, Jacksonville, FL 32207

Heston-Fielding & Associates, Inc

4551 Brown Ave, Jacksonville, FL 32207

Abercrombie Insurance Agency, Inc.

1617 Atlantic Blvd, Jacksonville, FL 32207

Vandroff Insurance Agency, Inc.

5150 Belfort Road Building 200, Jacksonville, FL 32256

Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group

9313 OLD KINGS RD S, JACKSONVILLE, FL 32257

Hardin Insurance, Inc.

3305 Atlantic Blvd Ste A, Jacksonville, FL 32207

Blackford Group and Blackford All Lines

11481 Old St. Augustine Road, Suite 201, Jacksonville, FL 32258

Eagle American Insurance Agency LLC dba Demetree Insurance Services

3740 Beach Blvd, Ste 102, Jacksonville, FL 32207

MD Insurance Services

245 Riverside Ave Ste 550, Jacksonville, FL 32202

GHG Insurance - A Division of Sihle Insurance Group, Inc.

751 Oak St Ste 100, Jacksonville, FL 32204

2

$2,009

The average Jacksonvillian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

321

That's equal to 321 pieces of pizza or $804 in savings

See How Much You Can Save in Jacksonville

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Recent Questions:

Is accidental flooding covered under comprehensive coverage?

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.
Jul 30, 2019 Jacksonville, FL

Why did my insurance company automatically add my daughter to my policy when she has her own insurance?

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy.
Aug 13, 2019 Jacksonville, FL

DUI ticket issued vs convicted on insurance application

It depends how it is marked on his MVR. If it is still an open case and no conviction has been issued you can answer no because during the reporting process it will not show.
May 18, 2018 Jacksonville, FL

Can I switch companies if my rates go up after an accident?

You can shop around for lower rates elsewhere as you please. But keep in mind that the accident will still be on your record for all insurers to see and rate you on — namely, it will show up on your CLUE report, which all insurance companies use to access your claims history.
Oct 28, 2019 Jacksonville, FL

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.