Car Insurance in Jacksonville
Florida is known for its pricey premiums, as its mean rate surpasses the national average by 32%. Premiums run high in the city as well, so in Jacksonville, it is especially vital to save while insuring a vehicle. Who doesn't like to save money? Check out some ways to save on car insurance in Jacksonville.
- City Average: $1,828
- State Average: $1,878
- National Average: $1,427
Jacksonville Car Insurance by Credit Rating
Average car insurance premiums in Jacksonville for those with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) draws in the most significant decrease in premiums, as drivers save an average of $532 per year.
- Very Poor: $3,503
- Fair: $2,866
- Good: $2,334
- Very Good: $1,914
- Exceptional: $1,602
Jacksonville Car Insurance by Accident or Violation History
By knowing which driving mishaps can balloon your premiums, you can make better decisions and save money. $957 is the additional cost per year for drivers with a DUI in Jacksonville, compared to the city average of $1,828. Reckless driving will also drive your rates up, with average rates of $2,758, which are 51% higher than the city average! Expect your yearly car insurance premiums to rise by $686 if you are found at-fault in an accident in Jacksonville.
- DUI: $2,785
- Reckless Driving: $2,758
- At-fault Accident (damages less than $1000): $2,514
- At-fault Accident (damages greater than $2000): $2,514
- Speeding Ticket (16-20 mph over speed limit): $2,361
Jacksonville Car Insurance by Gender and Marital Status
Car insurance premiums in Jacksonville differ based on driver characteristics such as marital status and gender. Rates for those who are widowed are moderately cheaper than rates for those who are single. Married individuals save roughly $90 per year compared to those who are single or divorced. Luckily for men, their premiums tend to be 1% cheaper than for women.
- Female: $1,851
- Male: $1,828
- Single: $1,828
- Married: $1,737
- Divorced: $1,828
- Widowed: $1,781
Jacksonville Car Insurance by Age
Among all age groups, drivers in their 50s have the lowest rates, with rates of $1,654 per year. Those in their 60s ($1,689) aren’t paying much more. Teenage drivers have the largest premiums out of all the age groups. They have typical car insurance payments of $5,205 per year. The largest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Jacksonville start seeing a reduction in premiums of $2,785. Turning 60 causes a rise in rates, but up until that age drivers can expect premium reductions when they transition between age groups.
- 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Jacksonville Agents
Eagle American Insurance Agency LLC dba Demetree Insurance Services
3740 Beach Blvd, Ste 102 Jacksonville, FL 32207
Bissell & Associates Insurance Inc
3305 Hendricks Ave Jacksonville, FL 32207
Armstrong & Bosh Insurance Agency
5454 Normandy Blvd Jacksonville, FL 32205
2104 Park St Jacksonville, FL 32204
Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group
9313 OLD KINGS RD S JACKSONVILLE, FL 32257
Beale Marine & Casualty, Inc.
1544 San Mateo Ave Jacksonville, FL 32207
John L. Kirby & Associates Inc
4196 Herschel St Jacksonville, FL 32210
Frye Insurance Agency, Inc
1851 University Blvd South Jacksonville, FL 32216
Wells Fargo Insurance Services USA, Inc.
1 Independent Dr #630 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
Harden & Associates, Inc.
501 Riverside Ave Ste 1000 Jacksonville, FL 32202
Riley Insurance Services, Inc.
825 Edgewood Avenue West Jacksonville, FL 32208
Vandroff Insurance Agency, Inc.
5150 Belfort Road Jacksonville, FL 32256
Greene Hazel Insurance Group
10739 Deerwood Park Boulevard Jacksonville, FL 32256
Heston-Fielding & Associates, Inc
4551 Brown Ave Jacksonville, FL 32207
3621 Hendricks Ave Jacksonville, FL 32207
James F. Tullis & Associates, Inc.
1645 San Marco Blvd Jacksonville, FL 32207
The Della Porta Group, Inc.
7807 Baymeadows Road E, Suite 301 Jacksonville, FL 32256
Erwin Insurance Agency, Inc.
3547 Hendricks Ave Jacksonville, FL 32207
Abercrombie Insurance Agency, Inc.
1617 Atlantic Blvd Jacksonville, FL 32207
GHG Insurance - A Division of Sihle Insurance Group, Inc.
751 Oak St Ste 100 Jacksonville, FL 32204
MD Insurance Services
245 Riverside Ave Ste 550 Jacksonville, FL 32202
Blackford Group and Blackford All Lines
11481 Old St. Augustine Road, Suite 201 Jacksonville, FL 32258
Dames Point Agency, Inc.
1478 Riverplace Blvd. #1501 Jacksonville, FL 32207
Eastside Insurance Center Inc
3101 N Main St Jacksonville, FL 32206
Hardin Insurance, Inc.
3305 Atlantic Blvd Ste A Jacksonville, FL 32207
Cecil W Powell & Co
219 N. Newnan St Jacksonville, FL 32202
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