🏠 Home insurance cost in Jacksonville, FL (2026)
Estimated average: $4,720 per year — +105% vs. the U.S. average of $2,300.
$4,720
Est. home insurance in Jacksonville
per year
$4,370
Florida average
$2,300
U.S. average
971,319
Population
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Jacksonville home insurance estimator
Estimated$2,974/year
Starts from the Jacksonville estimate. Get quotes to confirm your price.
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.