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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Last Updated: 5/16/2022
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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 companies in Jackson for drivers looking for a balance of affordability and quality service. According to our study, the best insurers in the city for most drivers are:

  • Alfa: MoneyGeek score of 88 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

With 95 out of 100, USAA received the highest score in Jackson by MoneyGeek's rating system. However, because it is only available to veterans, current military members and their families, the insurer is not listed as best overall.

These car insurance companies were ranked by MoneyGeek using several factors, such as insurer financial stability, customer satisfaction and affordability. We also used a number of resources in our assessment, including findings by consumer intelligence company J. D. Power.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
ALFA
Score:87.5

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
State Farm
Score:82.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

5
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Safeco
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
National General
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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
umbrella icon
Most Rainy Days122nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Jackson are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

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.