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 AverageState AverageNational Average
$1,828$1,878$1,427


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/GenderAverage Rate
Female$1,851
Male$1,828
Single$1,828
Married$1,737
Divorced$1,828
Widowed$1,781


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 ScoreAverage Rate
Very Poor$3,503
Fair$2,866
Good$2,334
Very Good$1,914
Exceptional$1,602


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
Violation/IncidentAverage Rate
DUI$2,785
Reckless Driving$2,758
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
AgeAverage Rate
Teenagers$5,205
20s$2,419
30s$1,817
40s$1,776
50s$1,654
60s$1,689
70s$2,055


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

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

Abercrombie Insurance Agency, Inc.

1617 Atlantic Blvd Jacksonville, FL 32207

Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group

9313 OLD KINGS RD S JACKSONVILLE, FL 32257

Bissell & Associates Insurance Inc

3305 Hendricks Ave Jacksonville, FL 32207

Harden & Associates, Inc.

501 Riverside Ave Ste 1000 Jacksonville, FL 32202

Armstrong & Bosh Insurance Agency

5454 Normandy Blvd Jacksonville, FL 32205

MD Insurance Services

245 Riverside Ave Ste 550 Jacksonville, FL 32202

James F. Tullis & Associates, Inc.

1645 San Marco Blvd Jacksonville, FL 32207

Eagle American Insurance Agency LLC dba Demetree Insurance Services

3740 Beach Blvd, Ste 102 Jacksonville, FL 32207

Brightway Insurance

2104 Park St Jacksonville, FL 32204

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501 Jacksonville, FL 32207

Brightway Insurance

3621 Hendricks Ave Jacksonville, FL 32207

Eastside Insurance Center Inc

3101 N Main St Jacksonville, FL 32206

Frye Insurance Agency, Inc

1851 University Blvd South Jacksonville, FL 32216

Blackford Group and Blackford All Lines

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

Beale Marine & Casualty, Inc.

1544 San Mateo Ave Jacksonville, FL 32207

Heston-Fielding & Associates, Inc

4551 Brown Ave Jacksonville, FL 32207

Erwin Insurance Agency, Inc.

3547 Hendricks Ave Jacksonville, FL 32207

W.W. Erwin Inc

7603 Lem Turner Rd. Jacksonville, FL 32208

Cecil W Powell & Co

219 N. Newnan St Jacksonville, FL 32202

Greene Hazel Insurance Group

10739 Deerwood Park Boulevard Jacksonville, FL 32256

Vandroff Insurance Agency, Inc.

5150 Belfort Road Jacksonville, FL 32256

The Della Porta Group, Inc.

7807 Baymeadows Road E, Suite 301 Jacksonville, FL 32256

Riley Insurance Services, Inc.

825 Edgewood Avenue West Jacksonville, FL 32208

Wells Fargo Insurance Services USA, Inc.

1 Independent Dr #630 Jacksonville, FL 32202

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

751 Oak St Ste 100 Jacksonville, FL 32204

John L. Kirby & Associates Inc

4196 Herschel St Jacksonville, FL 32210

Insure-All Insurance Agency

1840 University Blvd S Jacksonville, FL 32216

Hardin Insurance, Inc.

3305 Atlantic Blvd Ste A Jacksonville, FL 32207

See All

Not sure about Jacksonville

Check out these other Florida cities...

Miami

Tampa

Orlando

St. Petersburg

Hialeah

$2,009

The average Jacksonvillian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

321

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

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Jacksonville Car Insurance

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