Best & Cheapest Homeowners Insurance in Jacksonville, FL, 2025

Travelers offers the cheapest homeowners insurance to homeowners in Jacksonville, with an average annual quote of $1,080.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 22 July 2025
Written by Bob Phillips
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In Jacksonville, Travelers provides the cheapest policy, with average annual rates of $1,080. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Jacksonville experiences over 6,160 residential burglaries annually. Additionally, Jacksonville’s rates climb with hurricane winds, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Jacksonville, FL.

Key Takeaways

  • Travelers provides the cheapest home insurance policy in Jacksonville, at an average annual rate of $1,080

  • The average cost of homeowners insurance in Jacksonville is $3,040 per year.

  • There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.

Cheapest Homeowners Insurance In Jacksonville

Travelers is the cheapest overall carrier for homeowners insurance in Jacksonville, FL, with an average annual rate of $1,080.

Company Annual Premium
State Farm $3,045
Security First $1,100
Allstate $3,985
Nationwide $2,410
Travelers $1,080

Cheapest Homeowners Insurance In Jacksonville If You Have Poor Credit

If your credit score is poor, Security First provides the most affordable solution, with an average annual rate of $1,100.

Insurance Company Average Annual Premium
Tower Hill $3,200
State Farm $4,915
Security First $1,100
American Integrity $2,235
Florida Peninsula $1,794

Cheapest Homeowners Insurance In Jacksonville For Older Homes

For those with older homes, Allstate offers the cheapest rates, averaging $2,565 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Insurance Company Average Annual Premium
State Farm $3,058
Allstate $2,565
Tower Hill $2,840
Citizens $7,090
American Integrity $2,340

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Security First offers the most cost-effective solution, with an average annual rate of $1,020.

Insurance Company Average Annual Premium
State Farm $1,980
Tower Hill $1,900
Security First $1,020
American Integrity $1,870
Florida Peninsula $1,705

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Cheapest Home Insurance In Jacksonville For A History Of Claims

For homeowners with a history of claims, Chubb provides an affordable solution, with an average annual rate of $1,330.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Insurance Company Average Annual Premium
State Farm $2,180
American Integrity $2,162
Citizens $5,615
Chubb $1,330
Florida Peninsula $1,562

Best Homeowners Insurance Companies In Jacksonville, FL

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Jacksonville, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
State Farm $1,910
Florida Peninsula $1,792
Universal Property $1,695
Citizens $5,615
Security First $1,098
Tower Hill $1,024

How Much Is Homeowners Insurance In Jacksonville, FL?

The average cost of home insurance in Jacksonville is approximately $3,040 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Jacksonville are more expensive than the National average. However, they are lower than the Florida State average.

Area Average Monthly Rate
National $1,820
Florida $3,390
Jacksonville $3,040

Average Jacksonville Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Jacksonville, FL can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Jacksonville.

ZIP Code Average Annual Premium
32225 $1,750
32244 $1,930
32246 $1,900
32218 $1,969
32210 $1,925

Cheapest ZIP Codes For Home Insurance In Jacksonville

At $1,695 per year, the ZIP code 32233 is the cheapest average ZIP code for home insurance in Jacksonville.

ZIP Code Average Annual Premium
32226 $1,754
32224 $1,752
32233 $1,695
32227 $1,700
32225 $1,750

Most Expensive ZIP Codes For Home Insurance In Jacksonville

The most expensive ZIP code in Jacksonville is 32219, at an average annual premium of $2,000.

                                   ZIP Code Average Annual Premium
32220 $1,985
32209 $1,965
32208 $1,973
32218 $1,969
32219 $2,000

Average Home Insurance Rates In Jacksonville, FL By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Jacksonville, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Jacksonville fluctuate with insurers for different deductible amounts:

Insurer Annual Rate for $500 Deductible Annual Rate for $1,000 Deductible Annual Rate for $1,500 Deductible
TravelSure $1,775 $1,687 $1,640
CoastalTrust $1,723 $1,648 $1,593
SunBay Home Protect $1,701 $1,622 $1,564
EverGuard Property $1,684 $1,615 $1,558
Atlantic Cover Corp $1,696 $1,627 $1,574

Average Home Insurance Rates In Jacksonville, FL By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,325
$250,000 $1,570
$300,000 $1,890
$350,000 $2,035
$400,000 $2,470

Compare Home Insurance Rates To Other Cities In Florida

The following table shows the average rates of home insurance across various cities in Florida.

City Annual Premium
Gainesville $1,399
Miami $3,944
Tallahassee $1,286
Fort Myers $1,902
Fort Lauderdale $2,572
Boca Raton $4,410
St. Petersburg $1,325
Tallahassee $1,286
Melbourne $1,798
Cape Coral $1,687
Lake City $2,924
Miami Lakes $5,950
Naples $2,530
Ocala $1,960
Pensacola $2,115
Tampa $2,270
Port St. Lucie $2,024

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Florida

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

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