- Jackson drivers pay approximately $68/month for liability-only insurance.
- Jackson drivers pay an average of $193/month per year for full coverage car insurance.
- Average full coverage rates in Jackson are higher than the state average, but lower than the national average—liability-only costs are less than both averages.
- Jackson, Mississippi requires drivers to carry 25/50/25 in liability insurance.
Known for its soul and rich culture, Jackson, Mississippi offers its residents and tourists top-notch culinary and musical experiences—and expensive car insurance costs.
Although Jackson drivers pay less than average for liability-only policies, they do pay higher than the state average for full coverage due to increased accident rates1. Most drivers in Jackson pay over $2,300 annually for a full coverage policy—but finding cheaper insurance is possible, if you know where to start.
Cheapest car insurance quotes in Jackson
On average, auto insurance in Jackson costs about $68 per month for minimum coverage liability insurance and about $193 per month for full coverage insurance. Jackson drivers pay 7% less than the Mississippi average for liability-only policies.
With hundreds of car insurance companies operating in Mississippi, it can be overwhelming to consider all your coverage options. Then, there’s the fact that every insurance company calculates its rates a little differently—making car insurance quotes as uniquely customized as individual drivers.
So how do you find the best cheap car insurance? Comparing quotes from multiple insurance providers is the most efficient way—and using Jerry can simplify the process even further. A trusted companion for insurance shoppers everywhere, Jerry Insurance Agency can collect quotes on your behalf, making shopping for car insurance in Jackson easier than ever.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| National General | $117 | 32 | 39213 | Chevrolet Camaro Ss | State Minimum | No |
| Bluefire | $413 | 25 | 39206 | Volvo S60 T5 | State Minimum | Yes |
| National General | $38 | 39 | 39209 | Hyundai Elantra Sel | State Minimum | No |
| Bristol West | $60 | 32 | 39213 | Jeep Liberty Limited | State Minimum | No |
| Bristol West | $278 | 24 | 39206 | Volvo S60 T5 | 100/300 | Yes |
Best car insurance companies in Jackson
Finding an insurance provider that offers the coverage you need at a price you can afford isn’t always easy.
That’s why Jerry conducted the nation’s most extensive insurance shopping survey—we wanted to determine which company offers the lowest rates in Mississippi.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers—and the results were clear: There is (unfortunately) no singular “cheapest” insurance company that can offer universally low rates to everyone.
For example, even though Travelers is consistently considered one of the cheapest insurers in the country, Mississippi drivers only rated it a 4/5 when it came to policy costs.
Mississippi drivers gave these insurers high ratings for their policy costs:
- Gainsco
- Nationwide
- ROOT
- Safe Auto
- The General
Explore feedback from drivers in Jackson regarding these insurers and others.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.5 | N/A | 4.8 |
| Bristol West | 4.6 | 4.4 | N/A | 4.8 |
| Progressive | 4.3 | 4 | 3.5 | 4.4 |
| Geico | 4.2 | 4 | 3.8 | 4.3 |
| State Farm | 4 | 3.3 | 3.8 | 4 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Jerry’s free insurance comparison app simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.
Best cheap car insurance quotes in Jackson
In Mississippi, drivers must meet the state’s minimum car insurance requirements to take to the roads. However, whether or not you opt for additional coverage is up to you—although a full-coverage policy can offer greater protection to you and your vehicle.
Cheap minimum liability insurance quotes in Jackson
The minimum essential coverage required by all Mississippi drivers includes:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly expressed more simply as 25/50/25. With Jerry’s assistance, car owners in Jackson have obtained the necessary minimum liability coverage at a lower cost.
Do you need more than minimum coverage in Jackson?
If you find yourself at fault in a serious accident, the state’s minimum coverage may not be sufficient to cover the costs of medical expenses or property damage to other drivers.
Once your insurance limits have been reached, your provider won’t contribute further support for accident-related expenses—which means you could be stuck paying out-of-pocket to cover any remaining costs.
Moreover, basic liability insurance won’t extend any type of coverage to your own medical costs or vehicle repairs.
That’s why it’s recommended to purchase higher amounts of coverage and add-on coverages like comprehensive and collision coverage to ensure adequate protection for yourself and other drivers.
Cheap full coverage car insurance quotes in Jackson
A full-coverage car insurance policy is the best choice to safeguard yourself from expenses associated with vehicle repairs or replacements.
Full coverage policies typically include comprehensive and collision coverage and your state’s insurance minimums.
- Comprehensive coverage handles the cost of non-collision incidents—like theft or vandalism
- Collision coverage covers repairs to your vehicle after an accident
If you lease or finance your vehicle, your lender may even require you to carry these additional coverages for the duration of your loan.
Although a full-coverage premium may cost more upfront, the extra peace of mind may be worth the additional cost. Jerry’s agents have assisted customers in finding the most affordable full-coverage policies.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | National General | $117 | 32 | 39213 | Chevrolet Camaro Ss |
| State Minimum | Yes | Bluefire | $413 | 25 | 39206 | Volvo S60 T5 |
| State Minimum | No | National General | $38 | 39 | 39209 | Hyundai Elantra Sel |
| State Minimum | No | Bristol West | $60 | 32 | 39213 | Jeep Liberty Limited |
| 100/300 | Yes | Bristol West | $278 | 24 | 39206 | Volvo S60 T5 |
Average cost of car insurance in Jackson
Jerry’s experience with Jackson policyholders shows that the average cost of minimum liability insurance is approximately $68/month, or $816 per year. On the other hand, full coverage insurance costs an average of $2,316 per year, or $193 per month.
Overall, car insurance in Jackson is less expensive than the state average for minimum liability coverage, but more expensive than the national average. Drivers tend to pay more for full coverage than both the national and state averages.
| Coverage type | Jackson | Mississippi | United States |
|---|---|---|---|
| Full coverage | $2,316 | $2,179 | $1,790 |
| Minimum coverage | $816 | $894 | $740 |
Learn more: The average cost of car insurance in the US
While averages can help you estimate your insurance costs, remember that each driver’s premium is calculated based on individual factors such as demographics, driving history, eligibility for discounts, and other variables.
To find your best rate in Jackson, start by using the Jerry app. With Jerry, you compare quotes from dozens of the best car insurance companies in your area based on your unique driver profile.
Learn more: How to shop for car insurance in 2024
Why is car insurance so expensive in Jackson?
Besides your driver profile, there are several other reasons why your Jackson car insurance rates may be higher than other cities or states. Some of these reasons include:
- Number of uninsured drivers: According to the Insurance Information Institute, 29% of drivers in Mississippi are uninsured—the highest percentage in the entire nation.
- Mississippi is an at-fault state: In an at-fault state, drivers aren’t required to carry personal injury protection (PIP)—so if you cause an accident, the other driver will file against your insurance for both property damage and medical bills. This makes claims more expensive.
- Severe weather: Jackson is one of the most at-risk cities in Mississippi for tornadoes, causing insurers to increase prices as a result of more filed claims.
- Growing tourism: Between 2020 and 2021, tourism in Jackson increased, with occupancy revenue rising by 22% and restaurants seeing a 15% growth. With more drivers on the road, car insurance costs rise to prepare for potentially higher claim amounts.2
- High accident rates: In 2021, Jackson had a reported 35 fatal crashes, and Mississippi reported a total of 697, with the number rising by 18.3% in three years3. As such, most insurance providers raise rates to offset the cost of higher claim amounts.
- High crime rates: Jackson also has a higher-than-average property crime rate. Residents have about a 1 in 29 chance4 of becoming a victim of property theft in Jackson compared to the 1 in 56 chance in Mississippi. To keep costs low, insurance providers raise rates to account for more comprehensive claims.
If you’re looking to lower your costs in Jackson, it’s best to start by comparing prices among several providers. From there, you can see where you’ll find the most savings for the coverage you need.
Average cost of car insurance in Jackson by zip code
Your location in Jackson also impacts your insurance premiums. Insurers often take into account factors like population density, accident rates, crime statistics, and even the climate where you live.
These variables can cause insurance costs to differ significantly between cities and zip codes.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 39202 | $84 | $144 |
| 39204 | $87 | $197 |
| 39206 | $125 | $190 |
| 39209 | $54 | $155 |
| 39211 | $83 | $148 |
| 39212 | $87 | $224 |
Car insurance quotes in Jackson by rating factors
Car insurance companies consider several rating factors when calculating your insurance premium. Rating factors are based on risk-related characteristics and can include:
- Your driving record and claims history: Drivers with a history of accidents or violations often face higher premiums.
- Your demographics: Age, gender, and marital status can impact the cost of your insurance.
- Your location: City dwellers often face higher premiums due to elevated crime rates and higher population density.
- Your mileage: A higher annual mileage can lead to increased insurance costs.
- The make and model of your car: Luxury and high-performance vehicles typically have higher rates for collision and comprehensive coverage.
- Your credit score: Good credit scores are typically associated with lower insurance rates, even for identical coverage.
How much emphasis an insurer places on these factors when calculating your insurance premium varies between carriers, so it pays to shop around and find the best rate for your driving profile.
Cheap car insurance quotes in Jackson after driving violations
Your Mississippi driving record is among the biggest rating factors influencing car insurance costs. If insurance companies find a record of violations, they consider you a higher risk to insure—which can mean increased insurance costs.
Some of the most common traffic violations that can affect your insurance premium are:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
- Driving with a suspended license
Cheapest car insurance in Jackson after DUI
The consequences of a DUI conviction can extend beyond legal penalties, affecting your ability to obtain affordable car insurance coverage. If you have a DUI offense on your Mississippi driving record, you may find that rates vary significantly between auto insurance companies, so comparing quotes is necessary.
Through Jerry’s expertise and extensive network of insurance providers, many Jackson drivers have secured affordable auto insurance rates even after a DUI offense.
Cheapest car insurance in Jackson after an at-fault accident
Similar to your driving record, your accident history can substantially impact your car insurance costs.
Insurance companies will consider your history of at-fault accidents to gauge your level of risk—and recent at-fault incidents can lead to significant rate hikes.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Bluefire | $413 | 25 | 39206 | Volvo S60 T5 | State Minimum | Yes |
| Not At Fault | National General | $38 | 39 | 39209 | Hyundai Elantra Sel | State Minimum | No |
| At Fault With No Injury | Bristol West | $60 | 32 | 39213 | Jeep Liberty Limited | State Minimum | No |
| At Fault With No Injury | Bristol West | $278 | 24 | 39206 | Volvo S60 T5 | 100/300 | Yes |
| At Fault With No Injury | Progressive | $60 | 31 | 39211 | Honda Pilot Ex | State Minimum | No |
Cheapest car insurance in Jackson after other driving violations
In addition to speeding tickets and DUIs, different types of driving violations that can lead to higher car insurance expenses in Jackson, Mississippi.
Jerry has assisted drivers in reducing their car insurance costs after various driving violations.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Unsafe Operation of a Motor Vehicle | Progressive | $60 | 31 | 39211 | Honda Pilot Ex | State Minimum | No |
| Cell Phone | National General | $306 | 28 | 39206 | Honda Accord Sport | State Minimum | Yes |
| Suspension | Trexis | $77 | 31 | 39211 | Chevrolet Sonic Lt | State Minimum | No |
| Careless Driving | Gainsco | $229 | 25 | 39206 | Ford Focus Se | State Minimum | No |
| Failure to Obey Signal | Bristol West | $229 | 27 | 39206 | Hyundai Elantra Sel | State Minimum | Yes |
Cheap car insurance quotes in Jackson by age
Teen drivers in Jackson pay more than any other age group in the state for car insurance coverage, although drivers over 70 may also notice their rates increasing.
Cheapest car insurance in Jackson for young drivers
Insurance rates for new drivers are some of the highest in Jackson—and Mississippi as a whole—due to limited driving history and heightened risk of collisions.
You may notice rates are lower when a teen still has their Mississippi learner’s permit—this reflects that new drivers are operating a vehicle under supervision while they have their permit.
Still, new drivers’ rates will increase once permitted to drive unsupervised. The good news is that these steep rates tend to drop off as drivers reach the age of 25.
For drivers new to the road, a full coverage policy is the safest way to send them off. Jerry can assist teenage drivers in Jackson to find the cheapest option for full-coverage policies.
Cheapest car insurance in Jackson for senior drivers
Like teenage drivers, insurance agencies also perceive senior drivers as a higher risk.
This is because senior drivers are more prone to car accidents than other age groups, which often result in more severe injuries and higher medical expenses. As a result, insurance for senior drivers tends to be higher than the national average.
Cheap car insurance quotes in Jackson based on insurance history
A history of claims can mark you as high-risk to insurance providers—and so can your insurance history.
How long you have been insured and whether or not you’ve had any lapses in coverage are important indicators to insurance companies about the type of customer you’re likely to be. That’s why drivers with a limited insurance history or a past lapse in coverage usually face higher costs for car insurance.
At Jerry, we recognize the importance of timely insurance payments and avoiding coverage gaps. That’s why we offer payment reminders to eligible customers, ensuring you stay on top of your insurance responsibilities and maintain uninterrupted coverage.
We have assisted many Jackson customers without current insurance or past coverage lapses to find savings on a new policy.
Cheap car insurance quotes in Jackson for drivers with poor credit
Bad credit doesn’t necessarily make you a bad driver—but you could still wind up with higher insurance rates. That’s because insurers have observed a correlation between poor credit scores and more frequent claim filing.
As a result, having a lower credit score can equate to higher annual premiums. Our data indicate that drivers with poor credit scores (below 550) generally experience approximately 20% higher car insurance rates than those above 750.
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | National General | $117 | 32 | 39213 | Chevrolet Camaro Ss | State Minimum | No |
| 750+ | Bluefire | $413 | 25 | 39206 | Volvo S60 T5 | State Minimum | Yes |
| 550-659 | National General | $38 | 39 | 39209 | Hyundai Elantra Sel | State Minimum | No |
| 660-750 | Bristol West | $60 | 32 | 39213 | Jeep Liberty Limited | State Minimum | No |
| 750+ | Bristol West | $278 | 24 | 39206 | Volvo S60 T5 | 100/300 | Yes |
Cheap car insurance quotes in Jackson for popular cars
Your vehicle’s make and model can impact your car insurance premium.
While insurance companies don’t actually care about the color of your car, they do consider factors such as associated repair costs, the risk of theft, and the overall safety record of the vehicle when determining your rates.
Some of the most popular car models among Jackson drivers include:
- Ford F-Series
- Chevrolet Silverado
- Ram 1500
- Toyota Camry
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Camry | Bristol West | $75 | 30 | 39202 | State Minimum | Yes |
| Toyota Camry Le | Mendota | $264 | 47 | 39209 | State Minimum | Yes |
| Chevrolet Silverado K1500 Lt | Bristol West | $102 | 70 | 39206 | State Minimum | No |
| Chevrolet Silverado C1500 | Bluefire | $61 | 52 | 39212 | State Minimum | No |
| Toyota Camry Le | Bristol West | $257 | 46 | 39211 | State Minimum | Yes |
How to lower car insurance costs in Jackson
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to shop for car insurance quotes with at least three different providers every six months.
If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Jackson that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great car insurance discount is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:
- Good driver discounts: You’re due for some savings if you’ve held a clean driving record for at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if you bundle your home and auto insurance products from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
Learn more: 11 ways to lower your car insurance
FAQ
-
How much is car insurance in Jackson?
-
What is the cheapest car insurance in Jackson?
-
What is the best car insurance in Jackson?
-
What is the minimum car insurance in Jackson, Mississippi?
Sources
- https://mississippitoday.org/2023/12/18/jackson-and-mississippi-top-national-analyses-for-fatal-crashes/ ↩︎
- https://issuu.com/visitjacksonms/docs/2021_annual_report ↩︎
- https://mississippitoday.org/2023/12/18/jackson-and-mississippi-top-national-analyses-for-fatal-crashes/ ↩︎
- https://www.neighborhoodscout.com/ms/jackson/crime ↩︎
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
