Best Car Insurance in Jackson 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Jackson.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
May 28, 2021Chevrolet Camaro 2Ss3920941Bristol West$150/mo.$63/mo.
August 18, 2021Acura TLX Tech3921348National General$205/mo.$91/mo.
July 21, 2021Hyundai Accent GLS3920942National General$327/mo.$98/mo.
May 24, 2021Honda Accord Sport Special Edition3920325National General$279/mo.$143/mo.
July 9, 2021Hyundai Elantra GT3920961Progressive$181/mo.$156/mo.
Here’s more information about what impacts the insurance rates in your Jackson.

How much does car insurance cost in Jackson?

Car insurance in Jackson, Mississippi costs single-car drivers an average of $2,919 annually, or about $243 per month. Compared to the state annual average of $2,941, auto insurance in Jackson is $22 lower higher.
The capital city of Mississippi is famous for its eclectic music scene, its place in the Civil Rights movement, and as a major economic hub in the Magnolia State. Unfortunately, Jackson is also known for having the most expensive car insurance rates in Mississippi.
Mississippi already has rates that are higher than the national average, due in large part to its high number of yearly auto-related fatalities. Jackson is no exception to this plight, so finding affordable car insurance takes doing some homework.
So if you’re a Jackson driver looking to save on your insurance, the first step is to make sure you’ve got Jerry on hand! Jerry makes finding affordable insurance quick and easy, regardless of where you live.
Jerry gathers quotes from up to 50 top providers in just minutes for you to choose from. And once you’ve taken your pick, Jerry handles the rest, including finalizing paperwork, canceling your old policy, and much more.
Here’s everything you need to know about car insurance in Jackson.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Jackson$2,980$1,860$2,947$1,628$900$828
National Average$3,223$2,143$3,086$1,764$3,423$2,486
JacksonNational Average
All Coverage Before Jerry
$2,980$3,223
All Coverage After Jerry
$1,860$2,143
Minimum Coverage Before Jerry
$2,947$3,086
Minimum Coverage After Jerry
$1,628$1,764
Full Coverage Before Jerry
$900$3,423
Full Coverage After Jerry
$828$2,486
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Choosing a carrier in Jackson

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
The average insurance rates for Jackson drivers are higher than Mississippi’s state average, and by extension, higher than the national average. So Jackson drivers are tasked with finding insurance that not only provides them the coverage they need, it has to be at a price they can afford.
When looking for lower rates that still offer great coverage, you can’t go wrong with companies like Allstate or State Farm. But of course, what company offers better rates depends significantly on what sort of coverage you’re looking for, especially if you’re going beyond the state-mandated minimum.
Another major factor that will affect what your premium will cost is your personal history. This includes information about you such as your age, occupation, driving history, and which neighborhood you live in.
Here’s what drivers pay with some of the most popular insurance providers in Jackson before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$5,700$2,238Compare Prices
State Auto$2,448$1,085Compare Prices
Progressive$2,313$900Compare Prices
National General$3,250$430Compare Prices
Safeco$1,442$233Compare Prices
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What kind of car insurance you need in Jackson

In Jackson, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Each state has its own minimum insurance requirements. Mississippi’s liability insurance minimum requirements are broken down into a 25/50/25 split, which includes the following:
You do not legally have to purchase insurance beyond the minimum requirements, but it’s advisable to do so, as liability is for protecting other drivers in an accident where you are at fault. So any damage done to your vehicle, whether you’re at fault or not, comes out of your own pocket if you stick to liability only.
You’re required to show proof of insurance upon request. If you’re caught driving without insurance, there can be significant fines and penalties.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Liability insurance, whether you opt for it or not, does not cover your car in an accident, so you’ll need additional coverage to protect yourself on the road.
These are the types of coverage we recommend if you live and drive in Jackson:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageNearly 30% of Mississippi’s drivers are without the required liability coverage, the highest percentage in the nation. This means a much higher risk of you having to pay out of pocket for damages caused by another driver. This coverage option will take the place of the liability insurance the other driver doesn’t have.
Severe weatherComprehensive insuranceMississippi experiences severe weather events yearly, including tornadoes and flooding. Comprehensive insurance is the only way to protect your car from incidental damage caused by inclement weather.
Rural roadsRoadside assistanceMississippi has plenty of open, empty areas that are beautiful to visit, but they can be inconvenient spots to have a breakdown. Roadside assistance means that if you need anything from fuel delivery to a tire change to locksmith services, help is always readily available no matter where you are.

What determines your car insurance cost in Jackson

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Jackson, you could be paying as much as $30 more per month than an adult driver. These are average rates for Jerry customers in Jackson broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$5,700$2,238
21-24$3,059$440
25-34$2,841$1,160
35-44$3,443$1,892
45-54$2,308$1,025
55-64$2,645$565
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Jackson with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,984$1,265
Failure to Obey Traffic Sign$3,144$576
Speeding under 15$1,920$120
Other$2,172$128
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Where in Jackson you live

It may seem like insurance rates in Jackson should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Jackson, residents of 39202, 39212, 39206 and 39203 will have the most expensive car insurance rates, while people who live in 39213, 39209, 39211, 39204 and 39216 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Jackson:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 9, 202139213Honda Pilot EXLMS26State Auto$204/mo.$110/mo.
October 14, 202139212Ford Fusion SEMS24Safeco$213/mo.$162/mo.
July 21, 202139202Honda Accord LXMS36Bristol West$262/mo.$185/mo.
October 12, 202139206Chevrolet Cruze LTMS24Progressive$235/mo.$197/mo.
October 14, 202139211Nissan Maxima 3.5SMS37National General$250/mo.$206/mo.
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Why is car insurance in Jackson so expensive?

A variety of considerations determine baseline car insurance rates in Jackson. Insurance companies often consider the following:
Jackson’s insurance rates are some of the highest in Mississippi. There are a few reasons why:

Average crime rate

Jackson’s crime rate is well above the state and national average for a city of its size, and that’s a concern for many reasons. One of these reasons is that there is an increased threat of vandalism, damage, or theft to automobiles, so comprehensive insurance rates are typically raised in expectation of a high number of claims.

Traffic

As Mississippi’s capital and its most populous city, Jackson has more cars on the road to get into more potential accidents. It’s also a major commuter and economic hub, which means its roads are also packed with travelers and tourists.
More cars on the road means more risk of traffic accidents, which means higher collision rates.

Natural disasters

Mississippi as a whole is susceptible to major weather events, including tornadoes—in fact, Mississippi frequently tops the list of states with the largest tornado occurrences. Severe weather, plus flooding risk from the nearby Pearl River, means inclement weather damage is more likely in the area.

How can you save money on car insurance in Jackson?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. No matter who you are, there’s bound to be a discount that fits your lifestyle and circumstances or rewards you for responsible behavior.
Here are some common discounts available with insurance carriers in Jackson:
DiscountDescription
Multi-policyEven if you aren’t a homeowner, if your carrier offers other insurance products, like renter’s insurance, pet insurance, or boat insurance, bundling policies can save you money on each.
Good studentIf you attend college in Jackson, are under 25, and have maintained a high GPA, then you may earn a discount on your insurance.
Accident freeStaying accident free for at least three years can earn you a discount on your auto insurance.
Continuous coverageMany insurance companies offer discounted rates—often 5 to 25 percent—to policyholders who have been continuously insured for six months or more.
PaperlessOpting to forgo paper bills and statements for e-documents will earn you a quick and easy discount, while also helping the environment.
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