$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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WHAT DRIVES UP CAR INSURANCE RATES IN Jacksonville

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.

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.

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.

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.

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.

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 Codes

32220   32218   32205   32219   32211  

Cheap Zip Codes

32097   32259   32256   32250   32224  

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

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

Find Local Jacksonville Agents

Dames Point Agency, Inc.

1478 Riverplace Blvd. #1501 Jacksonville, FL 32207

MD Insurance Services

245 Riverside Ave Ste 550 Jacksonville, FL 32202

Riley Insurance Services, Inc.

825 Edgewood Avenue West Jacksonville, FL 32208

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