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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 Cheap Car Insurance Companies in Jackson

USAA offers the cheapest car insurance rates in Jackson, but this company only serves U.S. military members and their families. The next most affordable company is Travelers, with average prices 73.4% less expensive than Progressive, the city’s costliest car insurance provider.

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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.

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Cheapest Car Insurance in Jackson by Coverage Amount

How much car insurance coverage you purchase in Jackson also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Jackson if You Have Tickets

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
  • $1,031
    $997
    $1,378
  • $1,127
    $1,254
    $1,127
  • 4. Mississippi Farm Bureau
    $1,124
    $1,139
    $1,463
  • $1,160
    $1,389
    $1,471
  • $1,219
    $1,497
    $1,781
  • $1,187
    $1,574
    $2,926
  • $1,952
    $2,662
    $2,149
  • $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.

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Most Accidents With Fatalities13th/300
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Most Car Thefts143rd/300
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Most Uninsured Motorists by State2nd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall23rd/300
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Most Rainy Days122nd/300

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

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.

Compare Car Insurance Rates in Jackson

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.