How Much Does Auto Insurance Cost in Jacksonville?

Florida premiums are $408 higher than the national average, which is why the state is recognized for its pricey car insurance rates. Rates in Jacksonville can run even higher, unfortunately. As such, it is vital to cut costs while insuring a vehicle in Jacksonville. While these prices may seem like a hit to the pocketbook, any motorist in Florida is required to, at minimum, carry liability coverage. This can help protect you in the event of an accident where injury or property damage occurs.

If you're looking for cheap car insurance in Jacksonville, it can help to know how your insurance premiums are calculated. With this information in mind, you can begin comparing car insurance companies to find the best coverage for your needs. So how do Jacksonville insurance premiums compare to those elsewhere? We've analyzed how auto insurance rates in Jacksonville compare to premiums nationwide.

City AverageState AverageNational Average

Jacksonville Auto Insurance After an Accident or Moving Violation

It should come as no surprise that a poor driving record can impact your chances of finding affordable car insurance. If you have a history of accidents, damage to property, or brushes with the law, you can expect your insurance policy to cost more. Your driving record is one of the first things that an insurance company will look at when putting together your policy. So how much will a spotty driving history increase the cost of your coverage?

Any accident or violation can make it more expensive to insure your vehicle. Being at-fault in an accident with damages exceeding $2,000 costs you another 1% per year in premiums compared to an accident with damages less than $1,000. $994 is the additional cost per year for drivers with a DUI in Jacksonville, compared to the city average of $1,987. Reckless driving will bump your premiums up as well, with average rates of $3,024, which are 52% higher than the city average! A clean driving history could be one way of finding cheaper car insurance.

Violation/IncidentMean Rate
Reckless Driving$3,024
At-fault Accident (damages less than $1,000)$2,722
At-fault Accident (damages greater than $2,000)$2,751
Speeding Ticket (16-20 mph over speed limit)$2,576

Jacksonville Car Insurance Premiums by Age

Your age plays a big part in the cost to keep your vehicle insured in Jacksonville. While there isn't a whole lot that you can do about your age, being aware of how it can impact your car insurance premiums can be helpful. So which age group is seen as the biggest liability to most insurance providers?

Teenage drivers have the largest premiums of any age group, with average car insurance payments of $5,738. Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,798 annually. Those in their 60s ($1,840) aren’t paying much more. The largest reduction in premiums for Jacksonville drivers happens when they reach their 20s. Once out of the teenage age bracket, people save an average of 54% annually. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time.

AgeAverage Rate

Jacksonville Auto Insurance by Credit Rating

Your credit history can have a large impact on the cost of your insurance coverage. An insurance company will certainly seek out your credit history when putting together your car insurance policy. Insurance providers have found a correlation between individuals having bad credit and their likelihood of filing a claim. Just how much does a poor credit rating affect the cost of your coverage?

Individuals with Very Poor credit (300-579) pay an average of 2.4x more every year on premiums than those with Exceptional credit (800-850). Drivers will see the biggest reduction in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,600 per year.

Credit QualityAverage Auto Insurance Rate
Very Poor$4,001
Very Good$1,815

Jacksonville Auto Insurance by Marital Status and Gender

There are several factors, including gender and marital status, that play a part in determining car insurance premiums in Jacksonville. Females have premiums that are a mere 1% more costly than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. Married individuals save 5% per year compared to those who are single.

Marital Status/GenderAverage Rate

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

Be Prepared For

Driving in Jax

Major Highways
I-10 I-95 I-295
Public Transit
JTA Bus Skyway Trolley
Toll Roads
SR 23
Popular Day Trips
Daytona Beach Fernandina Beach Fort Clinch State Park

Car Insurance Companies in Jacksonville

Find Local Jacksonville Agents

Cecil W Powell & Co

219 N. Newnan St Jacksonville, FL 32202

W.W. Erwin Inc

7603 Lem Turner Rd. Jacksonville, FL 32208

Insure-All Insurance Agency

1840 University Blvd S Jacksonville, FL 32216

Beale Marine & Casualty, Inc.

1544 San Mateo Ave Jacksonville, FL 32207

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501 Jacksonville, FL 32207

Frye Insurance Agency, Inc

1851 University Blvd South Jacksonville, FL 32216

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


Bissell & Associates Insurance Inc

3305 Hendricks Ave Jacksonville, FL 32207

Brightway Insurance

2104 Park St Jacksonville, FL 32204

Armstrong & Bosh Insurance Agency

5454 Normandy Blvd Jacksonville, FL 32205

Riley Insurance Services, Inc.

825 Edgewood Avenue West Jacksonville, FL 32208

MD Insurance Services

245 Riverside Ave Ste 550 Jacksonville, FL 32202

James F. Tullis & Associates, Inc.

1645 San Marco Blvd Jacksonville, FL 32207

Eastside Insurance Center Inc

3101 N Main St Jacksonville, FL 32206

Abercrombie Insurance Agency, Inc.

1617 Atlantic Blvd Jacksonville, FL 32207

Wells Fargo Insurance Services USA, Inc.

1 Independent Dr #630 Jacksonville, FL 32202

Greene Hazel Insurance Group

10739 Deerwood Park Boulevard Jacksonville, FL 32256

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

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

751 Oak St Ste 100 Jacksonville, FL 32204

The Della Porta Group, Inc.

7807 Baymeadows Road E, Suite 301 Jacksonville, FL 32256

Vandroff Insurance Agency, Inc.

5150 Belfort Road Jacksonville, FL 32256

Harden & Associates, Inc.

501 Riverside Ave Ste 1000 Jacksonville, FL 32202

John L. Kirby & Associates Inc

4196 Herschel St Jacksonville, FL 32210

Heston-Fielding & Associates, Inc

4551 Brown Ave Jacksonville, FL 32207

Brightway Insurance

3621 Hendricks Ave Jacksonville, FL 32207

Erwin Insurance Agency, Inc.

3547 Hendricks Ave Jacksonville, FL 32207

Not sure about Jacksonville

Check out these other Florida cities...




St. Petersburg




The average Jacksonvillian's annual cost of coverage



Our customer's average savings after comparing insurance



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

See How Much You Can Save in Jacksonville

Just enter your zip code to get started

Location pin icon
Your information is secure.

Recent Questions:

Jacksonville Car Insurance

Will homeowners insurance cover a tree falling on my house when I cut it down?

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance policy, so you'll need to contact your company to get the final word on how your policy would apply to this type of loss.

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.

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.

Can I file a claim with my insurance company if I've already paid for repairs to my vehicle?

Even if you have paid for the repairs on your vehicle, your insurance company should cover the damage you caused to the other driver if your policy was active at the time of the crash. I would recommend not paying the other party anything until you've contacted your company to start the claims process.

Additional Resources:

Jacksonville Car Insurance

Chevron left icon
How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
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...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...

Chevron right icon