Insurance
How Much Does Car Insurance Cost in Jacksonville, FL?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Avg Cost
$2.016
4% below avg
Cost Range
$1.152 – $2.880
National Avg
$2.100
State Avg
$2.020
Cost Index
96/100
Cost Overview
Typical Cost Range
$1.152 – $2.880
-4% vs national average
$1.152$2.016$2.880
LowNational avg: $2.100High
Jacksonville vs State & National Average
| Category | Jacksonville | Florida Avg | National Avg |
|---|---|---|---|
| Average cost | $2.016 | $2.020 | $2.100 |
| Low estimate | $1.152 | $1.515 | $1.575 |
| High estimate | $2.880 | $2.626 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $384 | $864 | per year |
| Full coverage | $1.152 | $2.880 | per year |
| Good driver discount | $-192 | $-480 | savings |
| Young driver surcharge | $480 | $1.920 | additional |
Compare Jacksonville with Other Cities
See how car insurance costs compare across the country.
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Jacksonville?
In Jacksonville, FL, car insurance typically costs between $1.152 and $2.880. The average is $2.016, which is 4% below the national average.
Is Jacksonville expensive for car insurance?
Jacksonville has a cost-of-living index of 96 (100 = national average). Car Insurance costs are 4% lower than the national average of $2.100.
What factors affect car insurance costs in Jacksonville?
Key factors include local labor costs, cost of materials, market competition, Florida state regulations, and Jacksonville's overall cost of living (index: 96/100). Prices can also vary by season and specific requirements.