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
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 Zip Codes32220 32218 32205 32219 32211
Cheap Zip Codes32097 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
Blackford Group and Blackford All Lines
11481 Old St. Augustine Road, Suite 201 Jacksonville, FL 32258
Abercrombie Insurance Agency, Inc.
1617 Atlantic Blvd Jacksonville, FL 32207
Wells Fargo Insurance Services USA, Inc.
1 Independent Dr #630 Jacksonville, FL 32202
The average Jacksonvillian's annual cost of coverage
Our customer's average savings after comparing insurance
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