Jacksonville Insurance Rates:

Jacksonville, FL home insurance is approximately $990 to $1,340, about $82-$111/month. Our comprehensive guide shows customers can save upto $466 by comparing different quotes

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Jacksonville, Florida Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Jacksonville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $2950/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 2540 sqft Primary Residence Constructed In 1970 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1100/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1080 sqft Vacation Property Constructed In 1976 with Carpet over wood flooring, Tile Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1230/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1670 sqft Seasonal Residence Constructed In 2001 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $2600/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $455,000

5 Beds, 5 Baths 4530 sqft Primary Residence Constructed In 2009 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1850/12 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $75,000

1 Bed, 1 Bath 723 sqft Primary Residence Constructed In 1981 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

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Jacksonville Rates & Quotes Analysis:

Jacksonville Area Estimated House Insurance
N Tidewater Lakes Creek, E Luth Dr, Anne Ave, Otto St, Sandhurst Rd S, Jacobs Ave, Morgan Hill Ct, Secretariat Ln N, Railroad Ave, Palafox St$1,157
Side Out Ct, Goodman Rd, Brighton Bay Trl W, Thor St, Lyons St, E 27th St, Berringer Ln, Ortega Forest Dr, E Oxfordshire Ave, Wiregrass Ln$1,105
US Hwy 90 W, Pleasant Pine Dr, Arlet Dr, Oak Leaf Rd, Cain Oaks Ct, Ivybridge Ct, Walter Rd, 23rd Cir N, Viburnum Ct, Bulls Bay Hwy$1,142
Verde Gardens Rd, Hazel Lake Dr, Ivy St, Belle Rive Blvd, Betula Rd, Prosperity Lake Dr, Woodland St W, Patou Dr W, Riverstone Way, Hickory Hill Dr$1,169
Morning Glory Rd N, Melson Ave, Galloway Dr, Spring Glen Rd, Brookridge Rd, W Ish Brant Ct, Ahern St, Hanson Dr S, Harpers Ferry Ln, Spicewood Dr$1,370
Doby St, Pawnee St, Bacall Rd W, Lido Rd, Shawland Rd, Lisa Dr E, Trout River Te, Pine Straw Ln, Abel Ln, Tiny Dr$1,131
Busch Dr N, Washburn Ct, Joffre Dr, Redleaf Ct, Grand Lakes Dr, Barber Dr, Gately Rd, Caladium Rd, Anglia Dr, Aqua Surf Ct$1,219
Laura St, Baltimore Pl, Scaff Rd, Jork Rd, French St, Mandarin Ridge Ln, Montrose Ave N, St Johns Industrial Pkwy N, Plum St, Lochlaurel Dr$1,105
River Creek Dr E, Whispering Oaks Dr, Devondale Way, Gate Pkwy N, Joda Ln N, Restlawn Dr, Dekle Ave, Kuralei Dr, Alton Box Rd W, Waterfall Dr$1,295
Coralberry Ln W, Lakewood Cir E, Whisper Glen Dr, Water Bluff Ln E, Otis Rd, Pleasant Oaks Rd, Owens Rd, Clock St, Chaffee Ter, Union Hall Pl$1,238

Insurance rates are influenced by a number of factors including:

  • Year Built: 48,977 Homes (13% of total homes ) built between 1970 to 1979 in Jacksonville are paying home insurance between $1,890-$1,907. Places close to Jacksonville, FL such as Jacksonville East, Orange Park, Oakleaf Plantation are more expensive by $24, $20, $27 respectively while Jacksonville West and Bellair-Meadowbrook Terrace are cheaper by $39 and $35 respectively for similar homes.
  • Bedrooms: 54,884 4 bedrooms homes (15% of total homes ) in Jacksonville are paying about $1,363 compared to Jacksonville East (+$5), Jacksonville North (+$4), Orange Park (+$3), Jacksonville West (-$40) and Bellair-Meadowbrook Terrace (-$25).
  • Auto Insurance Bundling: 89,002 Households (45% of all households) in Jacksonville have 2 vehicles available and when it is bundled with home insurance you can save $233 in contrast with Duval County ($233), Jacksonville West ($228), Jacksonville East ($236).
  • Senior Discounts: 87,786 seniors (more than 55 years) occupied housing units (45% of total) in Jacksonville get discounts between $174 to $176 and varies from Duval County ($175), Jacksonville West ($171), Jacksonville East ($177).
  • New Homes discounts: New homes such as the 176,082 homes built between 2000 to 2009 in Jacksonville can save $233 compared to Duval County ($233), Jacksonville West ($228), Jacksonville East ($236).

Jacksonville Homeowners insurance Facts

  • Jacksonville, FL has 194,386 owner occupied houses which is 62.4% of all units whereas Duval County, Jacksonville West and Jacksonville East have 62.25%, 61.09% and 62.16% respectively.
  • Jacksonville, FL homeowners yearly insurance price at $1,165 is 0.74% of the typical house value of $157,200 which is in contrast with 0.72% in Duval County, 0.97% at Jacksonville West & 0.64% in Jacksonville East.
  • Homeowners in Jacksonville, FL pay 3.11% of their income ($35,000 to $39,999) in insurance whereas homeowners in Duval County, Jacksonville West and Jacksonville East pay 3.11%, 3.04% and 3.15% respectively.
  • Jacksonville, FL’s insurance is 6.7% of monthly housing costs of $1,440/month, for owners with a mortgage compared to 6.67% in Duval County, 7.76% at Jacksonville West & 6.3% in Jacksonville East. But, for households without a mortgage, insurance is 21.9% of costs ($443 in Jacksonville, FL) in contrast with 21.66% in Duval County, 23.71% at Jacksonville West & 20.03% in Jacksonville East.

Jacksonville, FL Home Values & Insurance rates

For example, insurance for 9,197 Homes (5.0% of total homes ) valued between $80,000 to $89,999 in Jacksonville, FL is about $629. Rates in nearby areas in such as Duval County, Jacksonville East, Jacksonville North are cheaper by $23, $87, $22 respectively while Jacksonville West and Bellair-Meadowbrook Terrace are costlier by $192 and $171 respectively for similar homes.

Jacksonville, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 14,090 7.0% $174
$50,000 to $59,999 4,511 2.0% $384
$60,000 to $69,999 5,439 3.0% $477
$70,000 to $79,999 7,570 4.0% $547
$80,000 to $89,999 9,197 5.0% $629
$90,000 to $99,999 8,552 4.0% $699
$100,000 to $124,999 21,187 11.0% $803
$125,000 to $149,999 19,810 10.0% $1013
$150,000 to $174,999 23,601 13.0% $1199
$175,000 to $199,999 16,585 9.0% $1386
$200,000 to $249,999 23,451 12.0% $1665
$250,000 to $299,999 14,518 8.0% $2038
$300,000 to $399,999 11,949 6.0% $2586

Renters Insurance in Jacksonville

  • Average Renters Insurance in Jacksonville :  $155($12/month)

  • Median Gross Rent in Jacksonville :  $920

  • Jacksonville Renters Insurance to Median Rent Ratio:  1.3%

  • Renter occupied housing units in Jacksonville :  116,956

Jacksonville Renters Insurance as a Percentage of Rent

Jacksonville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,918 1.0% $338
$200 to $299 2,844 2.0% $788
$300 to $499 5,535 4.0% $1238
$500 to $749 21,797 19.0% $1913
$750 to $999 34,707 30.0% $2663
$1,000 to $1,499 36,970 32.0% $3788
$1,500 or more 8,387 7.0% $5438

Rent Affordability in Jacksonville:

Approximately 50.0% (58,555) of households are spending more than 35% of their income on gross rent in Jacksonville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 9,185 7.0%
15.0 to 19.9 percent 11,883 10.0%
20.0 to 24.9 percent 13,713 11.0%
25.0 to 29.9 percent 13,458 11.0%
30.0 to 34.9 percent 10,162 8.0%
35.0 percent or more 58,555 50.0%

Protective device discount in Jacksonville Up to :  $23

Claims-free discount in Jacksonville Up to :  $31

Jacksonville, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32208 $96,800 $1,140
32206 $88,000 $1,130
32254 $81,900 $1,130
32209 $78,500 $1,120
32259 $303,600 $1,270
32224 $245,200 $1,240
32256 $242,600 $1,240
32223 $233,400 $1,230
32258 $212,100 $1,220
32217 $204,500 $1,200
32226 $201,000 $1,210
32225 $199,400 $1,200
32257 $188,300 $1,190
32222 $161,900 $1,170
32277 $161,000 $1,180
32246 $155,100 $1,170
32207 $154,900 $1,180
32218 $154,500 $1,170
32221 $150,800 $1,170
32204 $149,300 $1,170
32216 $147,600 $1,170
32205 $147,300 $1,170
32220 $146,900 $1,170
32211 $130,400 $1,150
32219 $129,300 $1,160
32244 $128,400 $1,160
32210 $127,600 $1,150
32202 $109,600 $1,150