Cheapest and Best Car Insurance Companies in Jackson, MS


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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

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Your driving profile and needs may dictate the cheapest company for you. Direct General Insurance provides the cheapest minimum and full coverage policies in Jackson, Mississippi, while Shelter has the best service. Mississippi Farm Bureau is the cheapest with a speeding ticket, whereas State Farm has affordable quotes with either an accident or DUI. Progressive is the cheapest for teens and ranked best overall. Military personnel may snag an affordable deal with USAA.

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2024

Cheapest and Best Car Insurance in Jackson, MS

Why Trust MoneyGeek? Jackson auto insurance quotes were analyzed based on information from the Mississippi Insurance Department and Quadrant Information Services.

11,800Quotes Analyzed
 
10Companies Compared

Cheapest Minimum Liability Car Insurance in Jackson

Jackson drivers can get the average cheapest minimum coverage policy with the following providers:

  • Direct General Insurance: $294 per year
  • Progressive: $304 per year

Shelter offers the most expensive average premium at $710 per year. Our research found that as of October 2022, Direct General Insurance has the cheapest car insurance in Mississippi, costing approximately $275 per year — the same lowest-priced company in Jackson, although the city’s average cost is slightly higher.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Direct General InsuranceAnnual Premium$294Monthly Premium$25
ProgressiveAnnual Premium$304Monthly Premium$25
State FarmAnnual Premium$385Monthly Premium$32
Mississippi Farm BureauAnnual Premium$408Monthly Premium$34
GEICOAnnual Premium$467Monthly Premium$39
NationwideAnnual Premium$485Monthly Premium$40
TravelersAnnual Premium$499Monthly Premium$42
AllstateAnnual Premium$619Monthly Premium$52

Minimum liability coverage in Mississippi must include bodily injury and property damage with the below limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

With a liability-only policy, drivers found at fault in an accident are only covered for damages to the other driver and passengers. With a minimum coverage policy, your insurance company pays for medical costs up to $25,000 per person, with a maximum of $50,000 per incident, regardless of the number of affected individuals. So, expect that beyond these limits, you will pay out of pocket the remaining costs.

Cheapest Full Coverage Car Insurance in Jackson

The following companies provide the, on average, least expensive full coverage policy in Jackson:

  • Direct General Insurance: $663 per year
  • Progressive: $786 per year

Costing roughly $1,430 per year, Shelter is the priciest insurer in the city as of October 2022. The cheapest full coverage auto insurance provider in Mississippi is Mississippi Farm Bureau, with an average cost of $682 per year, around $19 more than Jackson quotes. Your location can affect the cost of auto insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Direct General InsuranceAnnual Premium$663Monthly Premium$55
ProgressiveAnnual Premium$786Monthly Premium$65
Mississippi Farm BureauAnnual Premium$829Monthly Premium$69
NationwideAnnual Premium$861Monthly Premium$72
State FarmAnnual Premium$895Monthly Premium$75
TravelersAnnual Premium$983Monthly Premium$82
GEICOAnnual Premium$1,083Monthly Premium$90
AllstateAnnual Premium$1,135Monthly Premium$95

Opting for full coverage, which includes liability, comprehensive and collision insurance, gives you added protection.

  • Collision Insurance: This covers damage to your car from at-fault accidents that involve other vehicles or objects.
  • Comprehensive Insurance: This pays for the cost of damage to your car from non-collision events like fire, vandalism, animal damage or severe weather conditions.

Full coverage can be greatly beneficial for drivers who want to protect their vehicles. But the extra cost might not be necessary for those with older vehicles that have a low value.

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Cheapest Car Insurance in Jackson After a Driving Offense

On average, the least expensive auto insurance companies in Jackson with a driving violation are:

  • Speeding ticket: Mississippi Farm Bureau ($910 per year)
  • At-fault accident: State Farm ($1,104 per year)
  • DUI: State Farm ($979 per year)

Drivers may find the average priciest quote with GEICO after a DUI ($3,737 per year). Shelter has the highest price following an at-fault accident (around $3,100 per year) or if a driver is caught speeding (roughly $1,742 per year). Driving history is a significant factor when insurers calculate an auto insurance premium. Those with poor driving records usually face higher insurance rates, with even the cheapest quotes being higher than for drivers with a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Mississippi Farm BureauAnnual Premium$910Monthly Premium$76
State FarmAnnual Premium$979Monthly Premium$82
ProgressiveAnnual Premium$1,068Monthly Premium$89
Direct General InsuranceAnnual Premium$1,104Monthly Premium$92
NationwideAnnual Premium$1,157Monthly Premium$96
AllstateAnnual Premium$1,253Monthly Premium$104
TravelersAnnual Premium$1,364Monthly Premium$114
GEICOAnnual Premium$1,420Monthly Premium$118

After a driving violation, expect your rate to noticeably increase. Drivers in Jackson with a clean record pay roughly $962 per year for auto insurance. That is around $1,003 less than what a driver may pay after a DUI and roughly $727 cheaper than the rate for those with an at-fault accident on their record. However, this doesn’t mean that it’s impossible to get affordable quotes. Drivers may still be able to find cheap car insurance, even with a bad driving record.

Cheapest Car Insurance in Jackson for Teens and Their Families

Sixteen-year-old drivers on a family policy may find the average most affordable premium with the following carriers:

  • Progressive: $752 per year for female teens; $752 for male teens
  • Nationwide: $1,892 per year for female teens; $2,052 for male teens

GEICO charges the most expensive annual rate, costing around $5,271 for female teens and $5,084 for male teens. Rates can sometimes fluctuate between male and female teenagers. That is because male teens may be considered more high risk and are, therefore, more likely to file a claim. However, the higher rate isn’t permanent and often decreases to be around the same as women in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
ProgressiveFamily Plan Annual Premium$752Individual Plan Monthly Premium$7,997
NationwideFamily Plan Annual Premium$1,892Individual Plan Monthly Premium$6,456
AllstateFamily Plan Annual Premium$2,184Individual Plan Monthly Premium$11,473
TravelersFamily Plan Annual Premium$2,397Individual Plan Monthly Premium$7,272
State FarmFamily Plan Annual Premium$2,639Individual Plan Monthly Premium$10,904
GEICOFamily Plan Annual Premium$5,271Individual Plan Monthly Premium$16,776

Including a teen driver on a family auto insurance policy is significantly cheaper than if they bought their own. It costs roughly $2,644 per year in Jackson for a family policy with a male teen. But the rate for a 16-year-old boy is around $2,801 more expensive if they purchase their own policy. It’s essential to compare providers to determine the cheapest car insurance for teens. Doing so can help you save on your bill.

Cheapest Car Insurance in Jackson for Military Drivers

Military personnel on the lookout for affordable auto insurance should consider the following companies:

  • USAA: $595 per year
  • Direct General Insurance: $663 per year

These average rates reflect a full coverage policy. If you prefer Mississippi’s minimum coverage, there are cheap car insurance options for those with a military background. A minimum coverage policy costs around $251 per year with USAA and roughly $294 per year with Direct General Insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$595Monthly Premium$50
Direct General InsuranceAnnual Premium$663Monthly Premium$55
ProgressiveAnnual Premium$786Monthly Premium$65
Mississippi Farm BureauAnnual Premium$829Monthly Premium$69
NationwideAnnual Premium$861Monthly Premium$72
State FarmAnnual Premium$895Monthly Premium$75
TravelersAnnual Premium$983Monthly Premium$82
GEICOAnnual Premium$1,083Monthly Premium$90

How to Compare Cheap Jackson Car Insurance Quotes Online

The process of gathering auto insurance estimates online in Jackson, Mississippi, can be time-consuming, especially when you need to provide personal information on different websites. We found that it can take up to 15 minutes or more to get just one quote. MoneyGeek's car insurance calculator streamlines this process and immediately shows estimated rates based on your car's make and model, driving history, age and preferred coverage level — saving you time and effort.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in Jackson: Summary

The best auto insurance provider for you heavily depends on how you value cost, service quality, coverage options and other factors. We found the best companies in Jackson are the following:

  • Best overall: Progressive (MoneyGeek score of 69 out of 100)
  • Best for service: Shelter (MoneyGeek score of 68 out of 100)
  • Best cheap: Progressive (MoneyGeek score of 77 out of 100)

Note that weightings were adjusted based on the category. We also found that State Farm has the best car insurance in Mississippi. If you have a military background, USAA is an excellent option since it earned a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Jackson

For this category, we highlighted affordability and customer satisfaction scores to find the top auto insurance companies in Jackson, which are:

  • Progressive: MoneyGeek score of 69 out of 100 ($786 per year)
  • State Farm: MoneyGeek score of 67 out of 100 ($895 per year)

Out of nine providers, Progressive stood out as the winner. The company ranked second in affordability and received good scores for available coverages and customer satisfaction. A company that provides quality service alongside affordability means you get your needs fulfilled without paying a high price. With a MoneyGeek score of 85 out of 100, USAA is a great fit for those with a military background.

How was this MoneyGeek score calculated?

Progressive

pros

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Earned second place in affordability

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Offers multiple widely available coverages

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Provides custom parts coverage and accident forgiveness

cons

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A less-than-average claims ratings

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Doesn’t have new car replacement coverage

COMPANY HIGHLIGHTS

Progressive is an outstanding pick if you prefer an affordable premium and a wide range of add-on coverages. Some beneficial add-ons include custom parts equipment coverage, accident forgiveness and roadside assistance.

Custom parts and equipment (CPE) add-on coverage protects aftermarket items in your car, like a stereo system, with a limit of $5,000. This suits drivers who customize or add accessories after purchasing their cars. Drivers can also get accident forgiveness if they are new policyholders, and those who have kept a policy with Progressive for a minimum of five years and maintained a clean driving record for three consecutive years earn accident forgiveness. Progressive provides roadside assistance for mechanical and electrical issues, a dead battery, a flat tire, lock-out or if you run out of gas. Purchasing this coverage offers peace of mind, especially when you encounter an unexpected incident.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Jackson for Customer Service

We excluded the cost of an auto policy to select the best companies in Jackson for customer service. Our picks are:

  • Shelter: MoneyGeek score of 68 out of 100 ($1,430 per year)
  • Travelers: MoneyGeek score of 60 out of 100 ($983 per year)

Out of nine insurance companies, Shelter ranked second highest in satisfaction and has several coverages available to consumers. One downside is that Shelter provides the most expensive rate, so you’re paying a bit more for great service.

How was this MoneyGeek score calculated?

Shelter

pros

checkmark

Has multiple add-on coverages

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Received the second-highest score for service quality

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New car replacement is available

cons

close

Claims processing score is below average

close

No accident forgiveness

COMPANY HIGHLIGHTS

Shelter is a stellar company for customer satisfaction, but its premiums sit on the pricier end. It makes up for this by offering a decent set of included and add-on coverages that many drivers can use.

Drivers with a vehicle purchased in the past year with mileage below 15,000 are eligible for new car replacement coverage — it’s included in their policy. If your vehicle is considered a total loss, Shelter will replace it with a brand new one of the same make, model and year. Those who want to financially protect their brand-new investment will find this coverage beneficial. In an at-fault accident, add-on gap insurance can be a lifesaver when collision coverage isn’t enough to cover the balance you owe for your car on a loan or lease. Shelter also offers 24/7 roadside assistance for up to $100 per incident at no additional cost to the policyholder, which means they can get help with just one phone call.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Jackson

We followed Mississippi requirements when we chose the best and cheapest companies for a minimum coverage policy in Jackson. The top companies balancing service and affordability are:

  • Progressive: MoneyGeek score of 77 out of 100 ($304 per year)
  • State Farm: MoneyGeek score of 69 out of 100 ($385 per year)

The cheapest car insurance policy in Jackson is minimum coverage, but it does not provide coverage for damages to your vehicle in an at-fault accident. Also, despite the cheaper rate, this liability-only policy provides limited protection against damages to others that are your fault.

How was this MoneyGeek score calculated?

Progressive

pros

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Offers the second least-expensive rate at around $304 per year

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Has a high coverage score

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Offers discounts for online sign-up, automatic payments and going paperless

cons

close

Earned a below-average score for claims management

close

Doesn’t offer a defensive driving discount

COMPANY HIGHLIGHTS

Progressive’s minimum coverage policy in Jackson costs an average of $25 per month, an affordable rate that excludes possible discounts. Another great feature is that it provides supplementary coverages that many types of drivers can use.

With Progressive, policyholders can benefit from common discounts like bundling, insuring multiple cars and being a safe driver for at least three consecutive years. Students can get a good student discount if they maintain a B average. You can also snag unique discounts, such as being continuously insured. It caters to drivers who don’t have a lapse in coverage. For the first six-month policy term, drivers can get a discount if they sign their policy documents online. You can also get a lower rate if you choose paperless bills and other documents, pay your six-month policy in full or set up automatic payment.

Read MoneyGeek's Progressive Auto Insurance Review

Average Cost of Car Insurance in Jackson

The average annual full coverage car insurance premium in Jackson is $962, which is around $21 more than the average cost of full coverage auto insurance in Mississippi. When compared to the national average rate of $1,265 per year as of October 2022, Jackson drivers pay roughly $324 less.

The listed rates are for a full coverage policy with $100,000 in bodily injury liability for each person and $300,000 in bodily injury liability for each accident, plus $100,000 in property damage liability for each accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.