Key Takeaways
- Chubb has the cheapest home insurance rates in Jacksonville, with annual premiums averaging $1,301.
- The average homeowner in Jacksonville pays $1,761 a year for coverage. That’s well below the average cost statewide, which is $2,418.
- Jacksonville’s insurance rates are also cheaper than the nationwide average of $1,903 a year.
In this article
Average home insurance rates in Jacksonville
The average cost of home insurance in Jacksonville is $1,761 a year, which breaks down to $147 a month.
That compares favorably to the statewide average of $2,418, or $202 a month.
There are several variables — both about your home and your own insurance history — that affect what you pay for home insurance. This includes your home’s age, location and construction style. Your claim history and the cost it would take to rebuild your home in the event of a disaster also play a role.
Your home insurance deductible amount impacts your premium cost, too. A higher deductible will typically results in a lower premium, as shown by this chart of average rates citywide:
| Deductible | Annual premium |
|---|---|
| $500 | $1,890 |
| $1,000 | $1,761 |
| $1,500 | $1,747 |
| $2,000 | $1,611 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Then, there’s dwelling coverage. The more dwelling coverage your home needs, the higher your premium is likely to be, as this chart shows:
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $1,418 |
| $275,000 | $1,761 |
| $350,000 | $2,149 |
| $425,000 | $2,584 |
| $500,000 | $3,044 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The key to getting your best rate for the coverage you need is to compare home insurance quotes from several companies.
Cheapest home insurance companies in Jacksonville
Chubb leads the city in terms of cheap home insurance rates. On average, the company charges $1,301 a year.
Tower Hill and Universal are the next-cheapest options, charging $1,470 and $1,659 a year, respectively.
| Insurance company | Annual premium |
|---|---|
| Chubb | $1,301 |
| Tower Hill | $1,470 |
| Universal | $1,659 |
| Progressive | $1,773 |
| Homeowners Choice | $1,855 |
| Heritage | $1,936 |
| State Farm | $2,329 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get cheap home insurance in Jacksonville today
Jacksonville's best home insurance companies
Our analysis found that Chubb and Universal are the best home insurance companies in Jacksonville. Here’s why:
Best rates: Chubb
Chubb has the most affordable home insurance rates in Jacksonville, charging $1,301 per year, on average.
The company is also rated highly for its customer service. It scores the highest of all Jacksonville providers on the NAIC’s Complaint Index rankings.
Best discounts: Universal
In addition to offering the city’s third-cheapest rates, Universal has many discounts for customers. Potential savings include discounts for:
- Bundling auto coverage
- Installing burglar alarms
- Installing fire alarms and sprinkler systems
- Occupants over the age of 65
- Having a clean claims history
Customer service ratings for Jacksonville home insurance companies
The companies with the best customer service are State Farm and Chubb. State Farm ranks highest on the J.D. Power index, while Chubb leads the way in terms of the NAIC Complaint Index.
J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.
| Insurance company | Overall satisfaction score |
|---|---|
| Progressive | 801 |
| Chubb | 809 |
| State Farm | 829 |
| Heritage | Not included |
| Homeowners Choice | Not included |
| Tower Hill | Not included |
| Universal | Not included |
| Source: J.D. Power 2022 U.S. Home Insurance Study | |
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
| Insurance company | Overall satisfaction score |
|---|---|
| Chubb | 0.07 |
| Homeowners Choice | 3.89 |
| Tower Hill | 4.03 |
| State Farm | 5.43 |
| Progressive | 7.38 |
| Heritage | 7.63 |
| Universal | 11.09 |
| Source: National Association of Insurance Commissioners (2022 data) | |
Home insurance risks in Jacksonville
In Florida, thunderstorms and floods are a constant risk to both residents and their homes.
Most homeowners insurance policies cover damage caused by these storms, such as wind and hail. But flood damage is usually not included in a standard homeowners policy.
If your home is in a high-risk area — or if it’s required by your mortgage lender — you can purchase flood insurance from many of the major insurance providers. Additionally, FEMA offers its own coverage through the National Flood Insurance Program.
Frequently asked questions
The average cost of homeowners insurance in Jacksonville is $1,761 a year, or $147 a month.
Chubb has the cheapest rates in Jacksonville, charging an average $1,301 a year. Tower Hill and Universal are other affordable options.
Florida does not legally require homeowners insurance. That said, most lenders do, so if you have a mortgage you’ll likely need to get it.
Methodology
We collected quotes from every ZIP code in Jacksonville, Florida, for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
- Jacksonville
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.