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.
Compare the Cheapest Car Insurance Quotes in Jackson, MS
The Cheapest and Best Car Insurance in Jackson
The Cheapest Car Insurance Companies in Jackson
The cheapest car insurance companies for a full coverage policy in Jackson are:
- USAA: $646 per year (only available to current and former military members and their families)
- Travelers: $879 per year
MoneyGeek assessed the average car insurance rates in Jackson using a sample 40-year-old male driver with a full coverage policy that includes liability coverage plus comprehensive and collision insurance.
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Average Cost of Car Insurance in Jackson
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.
The Best Car Insurance Companies in Jackson
If you are looking for an insurer that provides affordable and quality coverage, MoneyGeek ranked the best car insurance companies in Jackson. According to MoneyGeek's 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
USAA received the highest score in Jackson by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used several factors to determine these scores, including J.D. Power’s user satisfaction, financial stability and affordability ratings.
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.
Shopping around for car insurance in Jackson could save you $233, which is enough to buy:
Cheapest Car Insurance in Jackson by Coverage Amount
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.
Mississippi Minimum Liability Requirements
- 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.
In Jackson, Mississippi Farm Bureau offers both 50/100/50 liability-only and full-coverage packages. The 50/100/50 designation denotes that the policy will cover $50,000 in medical bills per person, amounting to $100,000 per vehicle, along with $50,000 in property damage repair. Mississippi Farm Bureau’s full-coverage plan in Jackson is more comprehensive and costs $305 more than liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- 2.Mississippi Farm Bureau$410$500
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2.Mississippi Farm Bureau$804$887
Cheapest Car Insurance in Jackson if You Have Driving Violations
Safe driving is smart because you’ll not only reach home safely but will also be able to reduce your auto insurance costs. In Jackson, Travelers customers with a speeding ticket need to shell out around $153 more per year for their policy than someone with a clean record. Likewise, those with a DUI conviction need to pay an average of $500 more annually for their coverage.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 4.Mississippi Farm Bureau$1,124$1,139$1,463
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 CodeState Minimumper year
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.
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.
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