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 Average||State Average||National Average|
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/Gender||Average Rate|
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 Score||Average Rate|
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
|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
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
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
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