What's the Average Cost of Car Insurance in Jacksonville?
Florida is recognized for its costly premiums, as its mean rate surpasses the national average by 32%. Premiums also run high in the city, so understanding premium costs while insuring a vehicle in Jacksonville is imperative. Let's compare car insurance costs in Jacksonville versus premiums across the nation.
CAR INSURANCE COSTS: JACKSONVILLE VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Jacksonville Auto Insurance by Gender and Marital Status
Both gender and marital status are important considerations in determining the price of car insurance in Jacksonville. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single, as opposed to married, can cost you around $90 more per year on car insurance. Generally, females have premiums that are a mere 1% more costly than those for males.
JACKSONVILLE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Jacksonville Car Insurance by Credit Rating
Improving your credit can save you a good amount of money. Those in the bottom credit tier (300-579) normally pay more than twice as much for car insurance than those in the top credit tier (800-850). Drivers can save close to $532 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
JACKSONVILLE AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Rate|
Jacksonville Auto Insurance by Accident or Violation History
Maintaining an unblemished driving record is imperative to keep your rates minimal. $957 is the extra cost per year for drivers with a DUI in Jacksonville, compared to the city average of $1,828. Reckless driving will drive your premiums up as well, with average rates of $2,758. That is 51% higher than the city average! Expect your yearly car insurance payments to grow by $686 if you are found at-fault in an accident in Jacksonville.
AVERAGE JACKSONVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,514|
|At-fault Accident (damages greater than $2,000)||$2,514|
|Speeding Ticket (16-20 mph over speed limit)||$2,361|
Jacksonville Car Insurance by Age
When looking across all age groups, drivers in their 50s have the smallest rates. Their rates typically average $1,654 per year. People in their 60s ($1,689) aren’t paying much more. In Jacksonville, drivers see the greatest decrease in premiums when they hit their 20s, as they pay an average of $2,785 less after moving out of the teenage age range. In Jacksonville, turning 60 means an increase in car insurance premiums. Up until then, progressing from one age group to the next means decreasing prices. Car insurance premiums are highest for teenage drivers, with typical payments of $5,205 per year.
JACKSONVILLE CAR INSURANCE RATES BY DRIVER AGE
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Jacksonville Agents
GHG Insurance - A Division of Sihle Insurance Group, Inc.
751 Oak St Ste 100 Jacksonville, FL 32204
Bissell & Associates Insurance Inc
3305 Hendricks Ave Jacksonville, FL 32207
Abercrombie Insurance Agency, Inc.
1617 Atlantic Blvd Jacksonville, FL 32207
Riley Insurance Services, Inc.
825 Edgewood Avenue West Jacksonville, FL 32208
Greene Hazel Insurance Group
10739 Deerwood Park Boulevard Jacksonville, FL 32256
2104 Park St Jacksonville, FL 32204
Cecil W Powell & Co
219 N. Newnan St Jacksonville, FL 32202
Heston-Fielding & Associates, Inc
4551 Brown Ave Jacksonville, FL 32207
Vandroff Insurance Agency, Inc.
5150 Belfort Road Jacksonville, FL 32256
Harden & Associates, Inc.
501 Riverside Ave Ste 1000 Jacksonville, FL 32202
W.W. Erwin Inc
7603 Lem Turner Rd. Jacksonville, FL 32208
3621 Hendricks Ave Jacksonville, FL 32207
Eastside Insurance Center Inc
3101 N Main St Jacksonville, FL 32206
Eagle American Insurance Agency LLC dba Demetree Insurance Services
3740 Beach Blvd, Ste 102 Jacksonville, FL 32207
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
Dames Point Agency, Inc.
1478 Riverplace Blvd. #1501 Jacksonville, FL 32207
Erwin Insurance Agency, Inc.
3547 Hendricks Ave Jacksonville, FL 32207
MD Insurance Services
245 Riverside Ave Ste 550 Jacksonville, FL 32202
Armstrong & Bosh Insurance Agency
5454 Normandy Blvd Jacksonville, FL 32205
Blackford Group and Blackford All Lines
11481 Old St. Augustine Road, Suite 201 Jacksonville, FL 32258
Insure-All Insurance Agency
1840 University Blvd S Jacksonville, FL 32216
John L. Kirby & Associates Inc
4196 Herschel St Jacksonville, FL 32210
Wells Fargo Insurance Services USA, Inc.
1 Independent Dr #630 Jacksonville, FL 32202
Frye Insurance Agency, Inc
1851 University Blvd South Jacksonville, FL 32216
The Della Porta Group, Inc.
7807 Baymeadows Road E, Suite 301 Jacksonville, FL 32256
Beale Marine & Casualty, Inc.
1544 San Mateo Ave Jacksonville, FL 32207
James F. Tullis & Associates, Inc.
1645 San Marco Blvd Jacksonville, FL 32207
The average Jacksonvillian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Jacksonville
Just enter your zip code to get started
Jacksonville Car Insurance
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017
There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017
Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
Safety Recalls in the Sharing Economy: Should You Be Worried?
May 03, 2017
If you have a new car, or a new baby (with the accompanying new-baby gear), or a new fancy appliance,...
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017
Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Feb 10, 2017
We know celebrating Valentine’s Day isn’t always the coolest game in town, but we argue that any day with chocolate,...
The Future of the Auto Mechanic is… Clean
Jan 05, 2017
As it turns out, “getting your hands dirty” might end up being just an expression for auto mechanics in the...
Are School Buses Even Safe?
Nov 04, 2016
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
7 Can’t-Miss Car Museums Across the U.S.
Oct 28, 2016
Admiring automobiles is a classic American pastime: In fact, there are more than 100 museums dedicated to cars in the...
Forget Cars – Would You Ever Trust a Driverless Ambulance?
Oct 19, 2016
Not long after this spring’s controversy when a Florida man died while his Tesla’s autopilot feature was in use, a...
No Car, No Problem: Short Commute Alternatives
Sep 22, 2016
Most working-aged adults commute to work each day, and many students also share the daily commuting grind. Most Americans rely...
Help, My Car is a Lemon!
Sep 20, 2016
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016
To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...
Kids and Pets Left in Hot Cars: What Can You Do?
Aug 31, 2016
The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...
Can Humans be Trusted with Driverless Cars?
Aug 15, 2016
A transition period is built into the concept of driverless vehicles: we aren’t going to go from roads of today...
What Cars Do Olympic Athletes Drive?
Aug 12, 2016
The Olympics are in full swing now in Rio, and many famous names grace the screen, setting gold medal records...
Answering Every FAQ About Driverless Cars
Jul 27, 2016
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
The Classic Spring Break Road Trip, Reimagined
Mar 15, 2016
Goodbye winter, hello spring! And with this season’s promise of a return to warmth and sunshine comes a little gift...
4 Ways to Ship Your Car When You Move
Mar 08, 2016
Moving sucks as it is. Moving across the country is even more complicated. If you’re planning a big move and...
Ridesharing’s Unexpected Danger? Aggressive Passengers
Mar 02, 2016
When ridesharing first came on the scene, potential customers wondered if they’d be safe: the idea of getting in a...
The Wrath of El Niño
Feb 19, 2016
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015
Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...