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 Average||United States Average|
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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, 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
|Insurer||Average Annual Rate|
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 tier||Average Annual Rate|
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 Status||Average Yearly Rate|
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/Incident||Average Yearly Rate|
|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|
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 Score||Average Yearly 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, 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Jacksonville Agents
Bissell & Associates Insurance Inc
3305 Hendricks Ave, Jacksonville, FL 32207
Greene Hazel Insurance Group
10739 Deerwood Park Boulevard Suite 200, Jacksonville, FL 32256
Beale Marine & Casualty, Inc.
1544 San Mateo Ave, Jacksonville, FL 32207
Dames Point Agency, Inc.
1478 Riverplace Blvd. #1501, Jacksonville, FL 32207
W.W. Erwin Inc
7603 Lem Turner Rd., Jacksonville, FL 32208
Insure-All Insurance Agency
1840 University Blvd S, Jacksonville, FL 32216
Wells Fargo Insurance Services USA, Inc.
1 Independent Dr #630, Jacksonville, FL 32202
Riley Insurance Services, Inc.
825 Edgewood Avenue West, Jacksonville, FL 32208
GHG Insurance - A Division of Sihle Insurance Group, Inc.
751 Oak St Ste 100, Jacksonville, FL 32204
James F. Tullis & Associates, Inc.
1645 San Marco Blvd, Jacksonville, FL 32207
Frye Insurance Agency, Inc
1851 University Blvd South, Jacksonville, FL 32216
3621 Hendricks Ave, Jacksonville, FL 32207
Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group
9313 OLD KINGS RD S, JACKSONVILLE, FL 32257
Blackford Group and Blackford All Lines
11481 Old St. Augustine Road, Suite 201, Jacksonville, FL 32258
Vandroff Insurance Agency, Inc.
5150 Belfort Road Building 200, Jacksonville, FL 32256
The Della Porta Group, Inc.
7807 Baymeadows Road E, Suite 301, Jacksonville, FL 32256
Harden & Associates, Inc.
501 Riverside Ave Ste 1000, Jacksonville, FL 32202
Erwin Insurance Agency, Inc.
3547 Hendricks Ave, Jacksonville, FL 32207
Hardin Insurance, Inc.
3305 Atlantic Blvd Ste A, Jacksonville, FL 32207
Heston-Fielding & Associates, Inc
4551 Brown Ave, Jacksonville, FL 32207
Cecil W Powell & Co
219 N. Newnan St, Jacksonville, FL 32202
Armstrong & Bosh Insurance Agency
5454 Normandy Blvd, Jacksonville, FL 32205
MD Insurance Services
245 Riverside Ave Ste 550, Jacksonville, FL 32202
2104 Park St, Jacksonville, FL 32204
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
Abercrombie Insurance Agency, Inc.
1617 Atlantic Blvd, Jacksonville, FL 32207
John L. Kirby & Associates Inc
4196 Herschel St, Jacksonville, FL 32210
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