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


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

Car Insurance Companies in Jacksonville

Find Local Jacksonville Agents

Brightway Insurance

3621 Hendricks Ave Jacksonville, FL 32207

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

751 Oak St Ste 100 Jacksonville, FL 32204

Blackford Group and Blackford All Lines

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

Not sure about Jacksonville

Check out these other Florida cities...

Miami

Tampa

Orlando

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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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