🏠 Home insurance cost in Jacksonville, FL (2027)
Estimated average: $4,720 per year — +105% vs. the U.S. average of $2,300.
With about 971,319 residents, Jacksonville is a major metro and the largest city in Florida. Home insurance rates here are estimated at $4,720 per year, above the Florida average of $4,370 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Jacksonville with other Florida cities.
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Jacksonville home insurance FAQ
How much is home insurance in Jacksonville, FL?
The estimated average is $4,720 per year — above the state average (+8% vs. the Florida average of $4,370, and +105% vs. the U.S. average).
Is home insurance more expensive in Jacksonville than elsewhere in Florida?
Jacksonville has about 971,319 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Jacksonville?
Compare at least three quotes from insurers active in Jacksonville, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.