How Much Does Car Insurance Cost in Jacksonville?


Understanding premium costs while insuring a vehicle in Jacksonville is vital because Florida premiums are known for being expensive. They generally exceed the national average by $451. We've analyzed how auto insurance rates in Jacksonville compare to costs nationwide.


INSURANCE PRICES: JACKSONVILLE VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,828$1,878$1,427


Jacksonville Car Insurance by Gender and Marital Status


In Jacksonville, marital status as well as gender contribute to your car insurance premiums. You can save an average of $91 per year if you're married as opposed to single or divorced. Rates for those who are widowed are moderately cheaper than rates for those who are single. Males have premiums that are a mere 1% cheaper than those for females.


JACKSONVILLE CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
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 After Accidents or Violations


Accidents and violations can cost you in terms of car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. $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 push your rates up as well, with typical rates of $2,758, which are 51% higher than the city average! For those in Jacksonville with at-fault accidents, car insurance is an average of $686 more per year.


AVERAGE JACKSONVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$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 Auto Insurance by Credit Score


Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the greatest percent reduction in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 19% per year.


JACKSONVILLE AUTO INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Car Insurance Rate
Very Poor$3,503
Fair$2,866
Good$2,334
Very Good$1,914
Exceptional$1,602


Jacksonville Car Insurance by Age

Looking across all age groups, drivers in their 50s have the smallest insurance premiums. Their rates usually average $1,654 per year. People in their 60s ($1,689) aren’t paying significantly more. The biggest dip in premiums for Jacksonville drivers happens when they reach their 20s. Once out of the teenage age bracket, drivers pay $2,785 less in premiums. While premiums for drivers will continue to decline through their 50s, they should expect an increase when they hit 60. With average car insurance payments of $5,205, teenage drivers have the largest premiums out of all the age groups.


JACKSONVILLE CAR INSURANCE PRICES BY 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

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

Car Insurance Companies in Jacksonville

Find Local Jacksonville Agents

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

Abercrombie Insurance Agency, Inc.

1617 Atlantic Blvd Jacksonville, FL 32207

Wells Fargo Insurance Services USA, Inc.

1 Independent Dr #630 Jacksonville, FL 32202

Heston-Fielding & Associates, Inc

4551 Brown Ave Jacksonville, FL 32207

MD Insurance Services

245 Riverside Ave Ste 550 Jacksonville, FL 32202

James F. Tullis & Associates, Inc.

1645 San Marco Blvd Jacksonville, FL 32207

Beale Marine & Casualty, Inc.

1544 San Mateo Ave Jacksonville, FL 32207

Joel R Shapiro Enterprises, Inc. dba Shapiro Insurance Group

9313 OLD KINGS RD S JACKSONVILLE, FL 32257

Brightway Insurance

2104 Park St Jacksonville, FL 32204

Greene Hazel Insurance Group

10739 Deerwood Park Boulevard Jacksonville, FL 32256

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501 Jacksonville, FL 32207

Eagle American Insurance Agency LLC dba Demetree Insurance Services

3740 Beach Blvd, Ste 102 Jacksonville, FL 32207

Erwin Insurance Agency, Inc.

3547 Hendricks Ave 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

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

751 Oak St Ste 100 Jacksonville, FL 32204

Vandroff Insurance Agency, Inc.

5150 Belfort Road Jacksonville, FL 32256

Armstrong & Bosh Insurance Agency

5454 Normandy Blvd Jacksonville, FL 32205

Bissell & Associates Insurance Inc

3305 Hendricks Ave Jacksonville, FL 32207

Insure-All Insurance Agency

1840 University Blvd S Jacksonville, FL 32216

Hardin Insurance, Inc.

3305 Atlantic Blvd Ste A Jacksonville, FL 32207

John L. Kirby & Associates Inc

4196 Herschel St Jacksonville, FL 32210

Harden & Associates, Inc.

501 Riverside Ave Ste 1000 Jacksonville, FL 32202

Blackford Group and Blackford All Lines

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

Cecil W Powell & Co

219 N. Newnan St Jacksonville, FL 32202

W.W. Erwin Inc

7603 Lem Turner Rd. Jacksonville, FL 32208

See All

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

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321

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

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