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.


CAR INSURANCE PRICES: JACKSONVILLE VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$1,987$1,977$1,569


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.


AVERAGE JACKSONVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentMean Rate
DUI$2,981
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.


JACKSONVILLE CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,738
20s$2,634
30s$1,975
40s$1,930
50s$1,798
60s$1,840
70s$2,172


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.


JACKSONVILLE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Auto Insurance Rate
Very Poor$4,001
Fair$2,400
Good$1,987
Very Good$1,815
Exceptional$1,675


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.


JACKSONVILLE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,015
Male$1,987
Single$1,987
Married$1,886
Divorced$1,987
Widowed$1,938


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.

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

Find Local Jacksonville Agents

Wells Fargo Insurance Services USA, Inc.

1 Independent Dr #630 Jacksonville, FL 32202

Abercrombie Insurance Agency, Inc.

1617 Atlantic Blvd Jacksonville, FL 32207

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

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501 Jacksonville, FL 32207

Greene Hazel Insurance Group

10739 Deerwood Park Boulevard Jacksonville, FL 32256

Beale Marine & Casualty, Inc.

1544 San Mateo Ave Jacksonville, FL 32207

Cecil W Powell & Co

219 N. Newnan St Jacksonville, FL 32202

Erwin Insurance Agency, Inc.

3547 Hendricks Ave Jacksonville, FL 32207

The Della Porta Group, Inc.

7807 Baymeadows Road E, Suite 301 Jacksonville, FL 32256

Armstrong & Bosh Insurance Agency

5454 Normandy Blvd Jacksonville, FL 32205

John L. Kirby & Associates Inc

4196 Herschel St Jacksonville, FL 32210

James F. Tullis & Associates, Inc.

1645 San Marco Blvd Jacksonville, FL 32207

Riley Insurance Services, Inc.

825 Edgewood Avenue West Jacksonville, FL 32208

Heston-Fielding & Associates, Inc

4551 Brown Ave Jacksonville, FL 32207

Harden & Associates, Inc.

501 Riverside Ave Ste 1000 Jacksonville, FL 32202

Insure-All Insurance Agency

1840 University Blvd S Jacksonville, FL 32216

Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group

9313 OLD KINGS RD S JACKSONVILLE, FL 32257

Brightway Insurance

3621 Hendricks Ave Jacksonville, FL 32207

Frye Insurance Agency, Inc

1851 University Blvd South Jacksonville, FL 32216

Bissell & Associates Insurance Inc

3305 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

Vandroff Insurance Agency, Inc.

5150 Belfort Road Jacksonville, FL 32256

W.W. Erwin Inc

7603 Lem Turner Rd. Jacksonville, FL 32208

MD Insurance Services

245 Riverside Ave Ste 550 Jacksonville, FL 32202

Brightway Insurance

2104 Park St Jacksonville, FL 32204

Not sure about Jacksonville

Check out these other Florida cities...

Miami

Tampa

Orlando

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Hialeah

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

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Recent Questions:

Jacksonville Car Insurance

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. On average, an at-fault accident increased rates by 42% in 2018.

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.

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.

Can I get my premium for car insurance when I never got the car?

Since the policy was active from August 31 through September 22, your son will be responsible to pay the premium on the policy. Every company has different rules and guidelines so there may be a fee for canceling the policy before the term is over.