Compare the Cheapest Car Insurance Quotes in Jackson, MS

The average cost of car insurance in Jackson is $1,112 per year, which is the same as Mississippi's average. The cheapest widely available insurer is Travelers, with a cost of $879 per year. MoneyGeek analyzed the best insurance carriers in Jackson across different coverage levels and driving profiles to ensure that you find quality coverage at affordable costs.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/30/2022
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The cheapest widely available full coverage car insurance in Jackson is from Travelers, at an average annual premium of $879. Drivers with a speeding ticket will also find it the most affordable at $1,031 per year. GEICO offers the least expensive state minimum liability rates at an average cost of $382 annually. The cheapest insurer is USAA, but it only covers military members and their families. MoneyGeek recommends ALFA for its balance of good customer service and affordability.

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The Cheapest and Best Car Insurance in Jackson

The Cheapest Car Insurance Companies in Jackson

The cheapest auto insurance providers in Jackson for widely-available full coverage policies are:

  • Travelers: $879 per year
  • Mississippi Farm Bureau: $887 per year

Former and current military personnel and their families in Jackson will find USAA car insurance an even more affordable option with an average annual premium of $646.

Still, at $879 per annum, Travelers is the cheapest among the insurance companies in Jackson, with policies that are available to everyone. Their rate is over 73% (about $644) cheaper than Progressive, which has the most expensive quote in the city with an average annual premium of $1,523.

Full-coverage car insurance policies include comprehensive and collision coverage; however, the quote you receive can be different from these depending on the liability limits you choose.

Cheapest Car Insurance in Jackson
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $646
  • 2.
    Travelers
    $879
  • 3.
    Mississippi Farm Bureau
    $887
  • 4.
    GEICO
    $918
  • 5.
    State Farm
    $1,043
  • 6.
    Allstate
    $1,052
  • 7.
    Nationwide
    $1,077
  • 8.
    MetLife
    $1,515
  • 9.
    Progressive
    $1,523

MoneyGeek’s analysis uses quoted average rates for a 40-year-old male driver buying a full coverage policy, as explained in our methodology.

Liability-only insurance is cheaper than a policy that includes comprehensive and collision coverage. Full coverage car insurance, on the other hand, pays for the cost of repairing damage to your car in the event of an accident. This can be important due to the potentially high cost of repair.

  • Collision Insurance: Pays for repairs when you hit another vehicle or a stationary object.
  • Comprehensive Insurance: Pays for repairs for non-collision-related damage. This protection ranges from theft and vandalism to fire or adverse weather events.

If your car is an older vehicle, full coverage premiums can add up to more than the replacement value of your car. To get the cheapest rates possible, drivers with older cars may choose liability-only insurance or a policy that follows state minimum requirements.

Compare Car Insurance Rates in Jackson

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Jackson for Minimum Coverage

In Jackson and elsewhere, the cost of car insurance depends on the amount of coverage you buy. The state’s minimum liability insurance costs an average of $523 per year, while a full coverage policy with higher liability limits costs $1,112 annually. That’s a difference of roughly $589 per year.

Cheapest Minimum Liability Car Insurance in Jackson
State Minimum

In Mississippi, drivers by law must have 25/50/25 state minimum liability-only insurance. While this is the cheapest insurance option, it provides the least protection. If you’re in an accident, your insurance may not cover all the related expenses, and you’ll have to foot the remainder of the bill.

For example, if you cause an accident, and the other driver racks up $40,000 in medical expenses, your insurer will pay only $25,000 of that amount. The balance of $15,000 will be your responsibility to pay.

Mississippi Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Jackson if You Have Driving Violations

Your driving history directly affects your car insurance premium. Violations such as speeding tickets, at-fault accidents and DUIs result in higher coverage costs. If you have driving violations, the cheapest car insurance in Jackson is available through these companies:

  • Cheapest after a ticket: Travelers, $1,031 per year
  • Cheapest after an at-fault accident: Travelers, $997 per year
  • Cheapest after a DUI: State Farm, $1,127 per year

If you have a history of driving violations, you may be able to reduce your premium by improving your record over time. To get cheaper insurance rates more quickly, get quotes from several insurance companies after a ticket or car accident to find the most affordable rates.

Cheapest Car Insurance in Jackson With a Violation
Speeding Ticket

Average Cost of Car Insurance in Jackson

Jackson$1,112
MS$1,112
U.S.$1,424

Car insurance is quite reasonable in Jackson, compared to many locations in the U.S. The average annual rate here is $1,112, which is the same as the state average and 21.9% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Jackson

To calculate average car insurance rates in Jackson, providers consider several factors including your age, gender, marital status and car make and model. For instance, in Jackson, Mississippi Farm Bureau’s average rates for 18-year-old drivers are nearly double those of 40-year-old customers. You should regularly obtain an individualized quote to boost your chances of finding affordable coverage.

Compare Car Insurance Rates in Jackson

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Jackson

MoneyGeek ranked the best car insurance providers in Jackson based on average rates, claims ratings and user satisfaction. The companies with the top two scores are:

  • Travelers: MoneyGeek score of 83.8 out of 100
  • GEICO: MoneyGeek score of 79.8 out of 100

With a MoneyGeek score of 99 out of 100, USAA is the best car insurance company in Jackson and overall in Mississippi. However, we excluded it from this ranking because only military members are eligible to purchase its policies.


1
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO earned high claims and satisfaction scores but scored a bit low on affordability. Full coverage policies for Jackson drivers cost $918 annually. The company offers mechanical breakdown insurance, a rare coverage.

More About GEICO

GEICO’s mechanical breakdown insurance covers all your car’s parts and systems for less than a typical dealer extended warranty. Cars must be less than 15 months old with no more than 15,000 miles. If you are a good driver with no accidents in the last five years, you may be eligible for accident forgiveness coverage. This add-on prevents your insurance premiums from increasing after your first at-fault accident.

Read MoneyGeek's GEICO auto Insurance Review
2
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

Travelers received a perfect financial stability score and good claims and affordability scores. A full coverage policy for a 40-year-old Jackson driver costs $879 per year. Travelers offers several unique add-on coverage options.

More About Travelers

Travelers’ gap insurance coverage protects financed or leased vehicles. If your car is totaled, it pays the difference between the car’s actual value and the unpaid balance of the auto loan or lease. Accident forgiveness coverage prevents your premiums from increasing after your first at-fault accident. If your car is totaled within the first five years, new car replacement coverage from Travelers replaces it with a newer car of the same make and model.

Read MoneyGeek's Travelers auto Insurance Review

Average Cost of Car Insurance by Postal Code

In addition to other factors, your ZIP code also determines your car insurance costs. This is because providers take into account elements like the number of accidents, car thefts and uninsured motorists in your neighborhood. In Jackson, drivers in ZIP code 39206 need to pay an average of $46 more than drivers in ZIP code 39209.

  • Zip Code
    State Minimumper year
  • 39206
    $1,087
  • 39212
    $1,115
  • 39209
    $1,133

Factors That Impact Insurance Costs in Jackson

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Jackson. How Jackson ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities13th/300
handcuffs2 icon
Most Car Thefts143rd/300
uninsured icon
Most Uninsured Motorists by State2nd/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall23rd/300
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Most Rainy Days122nd/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.