Jacksonville Insurance Rates:

Jacksonville, FL homeowners insurance is approximately $990 to $1,340, about $82-$111/month. Our comprehensive guide shows customers can save upto $466 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Jacksonville, FL, Discounts For Homeowners Insurance

In Jacksonville, Florida, homeowners pay an average home insurance rate of $1,415, which is comparable to the national average of $1,438. Jacksonville homeowners can take advantage of the various discounts available to reduce their home insurance rates. Below are some of the discounts available to Jacksonville homeowners.


Home insurance companies calculate home insurance rates based on the age of the home. Home insurance rates increase as the age of the home increases due to their propensity for damage. Newly built Jacksonville homes receive discounts of up to $354 on home insurance rates. Homes that are older than 50 years attract an additional cost of $68 on their insurance rates. The average home insurance rates of Jacksonville homes older than 30 years and 40 years are $1,436 and $1,452, respectively.

Homes built using sturdy materials are less prone to damage. As a result, home insurance companies offer considerable discounts to homes built using damage-resistant materials. Jacksonville homes built using fire-resistive materials can avail of a discount of $184 on home insurance rates. Homes built using masonry and brick can avail discounts of $81 each while homes with a hail resistant roof receive a discount of $28.

Homes that are free from mortgage earn additional discounts on insurance rates. Home insurance companies believe that homeowners feel more responsible for homes that are not under a mortgage. This prompts home insurance companies to provide additional discounts to homes that are free from mortgage.

Apart from this, home insurance companies also provide discounts based on the career choices of homeowners. USAA offers exclusive services to veterans, active, and retired army personnel. Several other home insurance companies offer discounts to homeowners employed in law enforcement agencies and in educational institutions. Senior citizens in Jacksonville can avail of a discount of $198 on their home insurance. Bundling their home and auto insurance policies allows them to receive an additional discount of $212.

The property crime rate in Jacksonville is 33.93 per 1,000 residents. It is safer than 8% of the remaining cities in the U.S. Specifically, Jacksonville has a burglary rate of 5.54 per 1,000 residents, with 5,007 reported incidents. The chance of becoming a victim of property crime in Jacksonville is 1 in 29. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Jacksonville homes with deadbolts and fire extinguishers can avail of discounts of $113 and $156, respectively, on home insurance rates. Additionally, homes equipped with burglar alarms and smoke detectors receive a discount of $127 and $142, respectively, on homeowners insurance.

Jacksonville, FL, Home Insurance Companies With The Cheapest Rates

In Jacksonville, FL, the average home insurance rate of homeowners is $1161 per annum. This translates to about $82 to $111 per month. According to Vhome’s research, Jacksonville homeowners can save as much as $466 by choosing the cheapest home insurance company according to their requirements.


Citizens specializes in providing add-on policies that offer coverage to homes from damages against hurricanes. Redfin rated cities that are prone to damage from hurricanes on a scale of 100, using data from the Federal Emergency Management Agency. Jacksonville received a score of 74 from Redfin. Citizens quoted an insurance rate of $689 on a policy coverage of $150,000, for a home installed with a wind mitigation system.

Security First

Security First quotes an average insurance rate of $1,099 for Jacksonville homes older than 20 years on a policy coverage of $150,000. Security First provides discounts for homes fitted with a wind mitigation system, burglar alarm, and fire alarm, all of which make it one of the cheapest home insurers in Jacksonville.

Liberty Mutual

In Jacksonville, Liberty Mutual homeowners with homes older than 20 years, pay insurance costs of $1,750 annually on a policy coverage of $150,000. If those homes are fitted with a wind mitigation system, the homeowners pay $1,336 for the same policy coverage.

America Integrity

America Integrity provides its insurance services exclusively to the state of Florida and specializes in home insurance policies. Vhome’s analysis reveals that homeowners who have a policy with America Integrity pay insurance costs of $1,629 annually on a policy coverage of $150,000.

Florida Farm Bureau

With a keen understanding of the requirements of Jacksonville homeowners, Florida Farm Bureau provides home insurance policies to homeowners at affordable rates. Homes without a wind mitigation system are priced at $1,843 in insurance costs on a policy coverage of $150,000. Florida Farm Bureau reduces its insurance rates if homes are fitted with a wind mitigation system.


Jacksonville, FL Homeowners Insurance By Home Value

Jacksonville, FL Home Value Total Homes % of Total Average Jacksonville, FL 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

Top Home Insurance Agents Near Jacksonville, FL

Home Insurance Company Near Jacksonville, FL Homeowners Insurance Agency Near Jacksonville, FL Address
Travelers Morrow Insurance Group Inc Of Fernandina Bch 95762 AMELIA CONCOURSE 1896 S 14TH ST, FERNANDINA, FL, 32034
Travelers The Wright Agency Inc 4711 Us Hwy 17 S Ste 3 Orange Park, Fleming Island, FL, 32003
NA Cotter Insurance, Llc 11560-6 Old St Augustine Rd, Jacksonville, FL, 32258
Travelers Donovan & Abercrombie Insurance 6267 DUPONT STATION CT, JACKSONVILLE, FL, 32217
State Farm Jim Chitty Jr 2801 St Jns Blf Rd S Ste 3, Jacksonville, FL, 32246-3743

Jacksonville, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Jacksonville, FL

Streets in Jacksonville Area Homeowners Insurance Cost
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

Jacksonville, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jacksonville$174 to $176
Duval County$175
Jacksonville West$171
Jacksonville East$177

Jacksonville, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Duval County, Florida $175 $233 $350
Jacksonville West CCD, Duval County, Florida $171 $228 $342
Jacksonville East CCD, Duval County, Florida $177 $236 $354

Jacksonville, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Jacksonville, FL6.7%21.9%
Duval County6.67%21.66%
Jacksonville West7.76%23.71%
Jacksonville East6.3%20.03%

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

Jacksonville, FL Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby Jacksonville For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $1,629
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,843
150,000 27 NO Liberty Mutual Fire Insurance $1,750
150,000 27 NO Security First Insurance $1,099
150,000 27 NO Tower Hill Select Insurance $1,472
150,000 27 NO United Property & Casualty Insurance $1,218
150,000 27 NO Universal Property & Casualty Insurance $1,235
150,000 27 YES Asi Preferred Insurance $1,165
150,000 27 YES Auto Club Insurance $1,234
150,000 27 YES Citizens Property Insurance $689
150,000 27 YES Liberty Mutual Fire Insurance $1,336
150,000 27 YES Safeway Property Insurance $1,072
150,000 27 YES Tower Hill Preferred Insurance $1,309
150,000 27 YES Tower Hill Select Insurance $907
150,000 27 YES Universal Property & Casualty Insurance $724
300,000 12 NA Asi Preferred Insurance $1,353
300,000 12 NA Federated National Insurance $1,530
300,000 12 NA Liberty Mutual Fire Insurance $2,694
300,000 12 NA Safeway Property Insurance $1,300
300,000 12 NA Security First Insurance $1,376

Jacksonville, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Jacksonville Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,700$14,500
Net Savings to Jacksonville Home Owner from High Deductible Plan $1,200

Jacksonville, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jacksonville, FL Home Replacement Value MORE than Home Value Jacksonville, FL Home Replacement Value LESS than Home Value
Replacement Value $172,000 $125,500
Insurance Premium based on Replacement Value $2,975 $2,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $27,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $325/year

Example Jacksonville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceState Farm
Monthly Premium 177309263
Year Built 201119822009
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$200000-$250000$250000-$300000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Jacksonville, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 200,000 Shingles Roof 2,060 3 $5000 to $10,000 Deductible 3300 12 Stone Siding No
1966 140,000 Tile Roof 1,790 4 $1000-$2500 Deductible 1180 7 Vinyl siding No
2008 270,000 Composition Roof 2,530 4 $2500-$5000 Deductible 3100 10 Stucco siding No
1993 210,000 Composition Roof 1,840 4 $2500-$5000 Deductible 230 1 Stone Siding No
1978 190,000 Membrane Roof 1,990 5 $2500-$5000 Deductible 3800 12 Brick siding No
1992 270,000 Slate Shingles Roof 2,550 5 $500 Deductible 1160 3 Stone Siding yes
1961 155,000 Wood Shake Roof 1,670 3 $2500-$5000 Deductible 860 5 Wood siding yes
1982 130,000 Tile Roof 1,680 3 $500- $1000 Deductible 2990 12 Stone Siding yes
1992 470,000 Asphalt Shingles Roof 4,450 5 $500 Deductible 7870 10 Stucco siding No
1992 260,000 Metal Roof 3,320 4 $1000-$2500 Deductible 1930 4 Stucco siding yes
2011 135,000 Composition Roof 1,730 2 $500 Deductible 1890 10 Brick siding No
1960 175,000 Metal Roof 1,780 2 $2500-$5000 Deductible 220 1 Brick siding No
1980 220,000 Membrane Roof 2,050 4 $1000-$2500 Deductible 2360 8 Stucco siding No
1999 305,000 Shingles Roof 3,050 4 > $10,000 Deductible 2680 9 Stucco siding No
1963 250,000 Composition Roof 3,300 4 $5000 to $10,000 Deductible 1880 6 Stone Siding yes
1982 220,000 Composition Roof 1,960 3 $1000-$2500 Deductible 770 3 Stucco siding No
1961 190,000 Membrane Roof 2,260 5 $2500-$5000 Deductible 2170 12 Vinyl siding No
2011 130,000 Slate Shingles Roof 1,160 2 $2500-$5000 Deductible 1930 12 Brick siding yes
1966 105,000 Membrane Roof 1,210 2 $1000-$2500 Deductible 320 3 Fiber-Cement Siding No
2011 130,000 Composition Roof 1,480 2 $1000-$2500 Deductible 1620 7 Vinyl siding No
1974 130,000 Shingles Roof 1,330 2 $2500-$5000 Deductible 720 5 Stucco siding No
1969 200,000 Slate Shingles Roof 1,850 4 $2500-$5000 Deductible 1400 5 Brick siding yes
2001 310,000 Shingles Roof 3,380 4 $5000 to $10,000 Deductible 2870 12 Stucco siding No
1998 440,000 Metal Roof 4,940 5 $500- $1000 Deductible 3100 4 Stone Siding No
1983 225,000 Wood Shake Roof 2,110 3 $1000-$2500 Deductible 3020 9 Brick siding No
2000 170,000 Asphalt Shingles Roof 1,600 4 $500 Deductible 3110 9 Stucco siding No
1970 265,000 Membrane Roof 2,540 4 $500 Deductible 2950 7 Vinyl siding yes
1976 80,000 Tile Roof 1,080 2 $500- $1000 Deductible 1100 10 Stone Siding yes
2001 140,000 Wood Shake Roof 1,670 4 $500 Deductible 1230 5 Stone Siding No
2009 455,000 Metal Roof 4,530 5 $500- $1000 Deductible 2600 5 Vinyl siding No
1981 75,000 Tile Roof 723 1 > $10,000 Deductible 1850 12 Stone Siding No

Latest Home Insurance Reviews

Florida 1st Insurance
I get my policy renewal information with plenty of time to review and consider any changes that may be needed. I have auto pay so the monthly premium is not a problem and gives me assurance I will not have my policy canceled.
Liberty Mutual
I have not had much experience with customer service other than when I initiated the policy. The experience that I had then was a good one.
My home insurance is through USAA. I'm thoroughly satisfied with the company. Whenever I've had to deal with them, they are very prompt and easy to deal with. They always treat me with respect and their rates are very reasonable. I would give them a rating of 1.
I like that they contact you right away if anything is wrong. They also sent monthly emails.
I have not attempted to contact customer service for my insurance information. But I have used this company's customer service for my banking needs. I was not able to choose an option for no customer service contact. So I gave the rating based on what I do know.
I am very satisfied with my insurance company premium. I have no complaints. It is very fair. I have compared it to others with happiness.
Currently, there is nothing I dislike about the company, but I'm sure that will not be entirely true after I've been a customer for a while, or need to file a claim. But until that time, I have nothing that I dislike.
I love my insurance company. I will stick with them forever. I appreciate all they do for me and my family and I will continue to praise them for as long as I can.
I like that it is cheap. I have comprehensive coverage. The coverage is good. The only problem is those overseas phone banks. Sometimes I just cannot understand them.
I would recommend USAA for home insurance because they are responsive, affordable, and customizable. I know when I buy a house I will be able to find options that work for me there, too!
Citizens Property Insurance
I would recommend this insurance company to a friend because of the above things i have stated. the customer service is pretty fast and on top of it
My offerings are a lot cheaper than most because it's for veterans and children of veterans or offered lower rates better interest rate prices and better deductibles
Security First Home Insurance
The claims that were denied was crap. I shouldn't haven't to fight with them over the damage that is obviously from the hurricane. Also, their app is slow and doesn't contain all the information I would like to see. if they also could get a live chat that would be great.
State Farm
We called in the claim. They sent an adjuster out two days later. We did have a little bit of a hard time making them understand why they needed to replace the shingles on the entire front of the house. In the end, it all worked out fine because they did replace them all, and it all looks the same and great.
I like that they treat you like an actual person and not another number in line. They seem to care that you get what you need out of them as a company.
State Farm
I like the company because it is affordable and they have great customer service. Also, the agent comes over and explains products and charges thoroughly.
I would recommend this company for home insurancerate because it is absolutely wonderful. It is everything that I need in one. And it is also affordable.
I would recommend this company based on customer service and based on honesty and how trained the people are in this company.
They are fast and friendly. When I have had to call they treat me like family and not a client. They are quick to get things resolved so that it is one less thing for me to worry about.
I would recommend my current insurance company for home insurance because of their wide variety of options
I'd definitely recommend USAA to anybody who qualifies for it. The customer service, accessibility, prices, and effectiveness alone makes it a solid 5.
This company has been completely resonsive to our needs and has quickly paid claims. They are also very competitive on pricing/
State Farm
My Family have been happily insured with State Farm for over 15 years. Should i say anymore, State Farm crushes the competition with exceptional customer service.
I would highly recommend Allstate. Not only do you get fast results and coverage, but you also get pin-pointed personal care. They offer a one call grantee to solve any issues during the very first inquiry.
State Farm
I would gave to rate state farm a 4. We had a flood in our house and they took care of everything
I would like to go totally paperless with them, but they still occasionally send me paper statements.
I have had a fantastic experience with my home insurance company's customer service, any issue or damage that I have reported has been looked at promptly and payment rendered for repairs.
USAA's customer service is excellent. If I ever have questions they always get me the answers and take all the time I need to get the information I need. They are also very friendly.
I would recommend this company to friends and family. I would rate it 5 out of 5. There has been time that I have shopped for other insurance, but we have been happy with the prices.
I would say that the policy offerings of USAA match what most other insurance companies offer. I don't recall any specific coverages or unique policy points that I could say are different.
Citizens Property Insurance
they offer much the same premiums that other company do , but the deductibles are higher, and they just try to find a reason not to cover you
I rate Progressive Home Insurance customer service a 5. I always have a pleasant experience when talking to their representatives. They exceed my expectations by helping me fix a glitch on linking my auto and home insurance account to the same login.
Farmer's Insurance
My insurance company seems to offer the same insurance policies that other insurance companies provide. Though, I am not sure they offer some of the perks that other companies offer.
State Farm
I feel like state farm responds very quickly to insurance claims and continues to provide follow up assistance until everything is resolved.
Assurant Specialty Property
The drawback to having a smaller insurance company is that they are only open during normal business hours. sometimes it's better to be able to speak with someone in the evenings when i'm not at work.
State Farm
My current plan with state farm insurance offers greater coverage than my previous provider at a premium that is 30% less.
State Farm
State Farm has a very high deductible on storm-related damage. If the storm has a name, ie, "Mathew" the deductible can approach $10,000
National General
I dealt with a very nice agent while purchasing the insurance. She was always helpful, through Email before me deciding to purchase the policy, and when I sat down to buy the policy in person. I like that company holds good agents
Citizens Property Insurance
The ease of use and the ease to get to numbers I need and login info. Great customer service. Very efficient.

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