Cheap Car Insurance in Jackson, MS (2023) (2024)

The cost of car insurance in Jackson can vary a lot depending on your situation and the companies you consider. Our data shows that getting minimum coverage in Jackson is about 4 percent cheaper than the national average. It’s a good idea to periodically compare rates from different companies to make sure you’re getting the best deal.

We’ve reviewed the cheapest car insurance companies on a variety of factors including minimum- and full-coverage insurance costs. In this article, we hope to guide you towards affordable providers for car insurance in Jackson, regardless of whether or not you have accidents on your record.

Key Points:

• Our rate data shows the cheapest minimum coverage starts at $31 per month in Jackson for good drivers.
• The cheapest full-coverage insurance starts at $112 per month for good drivers.
• The cheapest auto-insurance companies include USAA and Progressive, which offer the cheapest minimum and full coverage, respectively.

The Best Cheap Car Insurance In Jackson

USAA, GEICO, Progressive, and National General make up our list of the best car insurance providers in Jackson, Mississippi. These providers offer competitive rates for minimum- and full-coverage car insurance. They also provide a broad range of coverage options and excellent customer service.

Car Insurance Companies Jackson

*All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with good credit and a clean driving history. Rate data was sourced from Quadrant Information Services.

Car Insurance Quotes Jackson

The minimum car insurance coverage in Jackson helps pay for other people’s expenses if you cause an accident. Our data shows minimum coverage costing about $53 per month or $641 per year in Jackson. Compared to the national average, this is about 4 percent less expensive.

A full-coverage car insurance policy repairs damages to your own car that come from car accidents or the environment. Our data shows that full coverage costs about $173 per month or $2,074 per year in Jackson on average. Compared to the national average cost of car insurance, Jackson is about 6 percent less expensive.

Cheap Liability Insurance Companies In Jackson

Minimum coverage is the cheapest type of insurance in Jackson. We recommend shopping from USAA and GEICO since our data shows they offer the cheapest, minimum auto-insurance rates. Good drivers can find monthly rates of $31 from USAA and $33 from GEICO.

Cheap Full-Coverage Car Insurance In Jackson

Our rate data shows that Progressive offers the cheapest full-coverage insurance in Jackson with rates of $112 per month. USAA ($125 per month) and Nationwide ($126 per month) are also affordable.

Full coverage includes liability, comprehensive, and collision insurance. If you have a car loan, your lender will ask you to have complete insurance coverage because it keeps your car safe in just about any situation.

How Driver Profiles Affect Jackson Car Insurance Quotes

Your car insurance cost is determined by factors specific to you. Because of how car insurance works, your driving history, age, vehicle, credit score, and even Jackson ZIP code influence your rate. Insurance companies take into account various factors when determining rates for drivers, meaning the insurance company that is most affordable for you may not be the most affordable option for your neighbor. Now we will explore some examples.

Jackson Car Insurance Rates By ZIP Code

Every area in Jackson has different levels of accidents, vandalism, and thefts. These factors can impact how much you pay for car insurance. The table below shows how average rates can increase by 0.2 percent or decrease by 0.2 percent depending on the ZIP code in Jackson.

Does Credit Score Affect Car Insurance in Jackson?

In many states, insurance companies can consider your credit score when deciding how much to charge you for insurance. This is because there is a connection between having a lower credit score and being more likely to make an insurance claim. If your credit score is low in Jackson, you might have to pay more for insurance. On the other hand, if your credit score is better than most people, you may be able to get lower insurance rates.

Cheapest Car Insurance In Jackson For Bad-Credit Drivers

If your credit score is not as good as it used to be, we suggest comparing insurance prices from different providers. National General offers affordable rates for drivers with poor credit at $38 per month for minimum coverage or $193 per month for full coverage.

Jackson Car Insurance Cost: Age

Teenagers have to pay a lot for car insurance because they tend to take more risks while driving. They get into more accidents and receive more traffic violations than other age groups, so insurance companies charge them higher rates. In Jackson, 16-year-olds on their own insurance policy pay about $228 per month for minimum coverage or $677 per month for full coverage.

As teens age into their 20s and beyond, their rates decrease. Car insurance is usually cheapest for drivers from 35 to 55 years old. Seniors may pay slightly higher rates because of an increase in accident risk.

Look at the chart below to see how the average rates for minimum- and full-coverage insurance in Jackson change depending on your age.

Cheapest Car Insurance Companies In Jackson For Teen Drivers

Although rates for teenagers can be costly, certain auto insurance companies provide more affordable options. For example, GEICO is one of the cheapest options for teens with minimum coverage rates of $137 per month or full-coverage rates of $527 per month. USAA and Nationwide are two more affordable options for 16-year-olds.

How Driving Records Affect Jackson Car Insurance Costs

If you have caused accidents or received speeding tickets, you will likely have to pay higher prices for car insurance. On average, accidents and tickets increase your rates for three years. Our data shows that drivers with a speeding ticket pay 26 percent more for insurance, while an accident can increase rates by 57 percent and a DUI or DWI by 85 percent.

Each insurance company has its own methods for calculating price increases, which is why you will see varying rates from different companies. Our data shows Progressive, State Farm, and USAA are affordable for drivers with different types of violations. Below are average rates for drivers with a speeding ticket, at-fault accident, or DUI.

Cheapest Car Insurance In Jackson For A Speeding Ticket

Which insurance company has the cheapest prices after getting a speeding ticket? Our rate data shows drivers can find low minimum coverage rates from Progressive at $41 per month on average. They can find the cheapest full-coverage rates at Progressive, at $145 per month.

Cheapest Car Insurance In Jackson For An At-Fault Accident

At-fault accidents can increase your insurance rates more than speeding tickets can in most cases. USAA is the cheapest minimum-coverage option here with average monthly rates of $48. For full-coverage insurance, USAA offers cheap rates of $182 per month. You can see there’s a big difference between the cheapest and most expensive companies below.

Cheapest Car Insurance In Jackson For A DUI

If you get found guilty of driving under the influence (DUI), it can have a major negative impact on your record and cause your insurance rates to increase by hundreds of dollars each year. In certain situations, regular insurance companies may refuse to give you coverage if you have multiple DUIs and other offenses.

If you have a DUI in Jackson, the cheapest company for minimum coverage is Progressive. You can find rates as low as $46 per month. The cheapest full-coverage option is Progressive with average monthly rates of $144.

Car Insurance Requirements In Jackson

A minimum-coverage policy includes bodily injury liability coverage and property damage liability coverage. The state of Mississippi requires drivers to carry insurance policies that meet or exceed the following requirements:

• $50,000 bodily injury liability per accident
• $25,000 bodily injury liability per person
• $25,000 property damage liability per accident

Types Of Car Insurance Coverage

Cheap Car Insurance In Jackson: Our Take

On average, Jackson drivers pay about 4 percent less than the national average. However, being aware of the right places to shop can assist you in obtaining lower rates. Looking at full- and minimum-coverage rates across for a variety of situations, we recommend USAA, Progressive, National General, and GEICO for the cheapest Jackson auto insurance.

To find your cheapest rates in Mississippi, compare free quotes from different companies. We recommend getting at least three quotes each time you shop for insurance.

Cheapest Auto Insurance In Jackson: FAQ

Here are some frequently asked questions about the cheapest auto insurance in Jackson:

How much is car insurance in Jackson?

According to our rate data, good drivers in Jackson pay about $53 per month or $641 per year for minimum-coverage insurance on average. Full-coverage insurance rates are around $173 per month or $2,074 per year.

Is car insurance higher in Jackson?

The average full-coverage insurance cost in Jackson is about $2,074 per year. This is about 24 percent higher than the Mississippi average of $1,874 and 6 percent lower than the national average of $2,216.

How much is car insurance in Mississippi per month?

The average cost of minimum-coverage car insurance in Mississippi is $43 per month or $518 per year. Full-coverage auto insurance is $156 per month or $1,874 per year.

What is the best car insurance company in Mississippi?

The best car insurance company in Mississippi is USAA, receiving a score of 4.6 out of 5. Our score is based on a combination of costs, coverage, reliability, and service.

Our Review Process

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Insurance rate data was sourced from Quadrant Information Services and accurate at the time of publication.

*Read more about our methodology.