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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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

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.

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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.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
ALFA
Score:88

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:83

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:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Progressive
Score:78

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:73

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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:


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78Cups of Coffee
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18Months of Your Favorite Streaming Service

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

  • 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.

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

Liability Only
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    USAA
    $726
    $888
    $1,138
  • 2.
    Travelers
    $1,031
    $997
    $1,378
  • 3.
    State Farm
    $1,127
    $1,254
    $1,127
  • 4.
    Mississippi Farm Bureau
    $1,124
    $1,139
    $1,463
  • 5.
    Allstate
    $1,160
    $1,389
    $1,471
  • 6.
    Nationwide
    $1,219
    $1,497
    $1,781
  • 7.
    GEICO
    $1,187
    $1,574
    $2,926
  • 8.
    Progressive
    $1,952
    $2,662
    $2,149
  • 9.
    MetLife
    $2,161
    $3,636
    $3,330

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
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Most Annual Rainfall23rd/300
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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.

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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.