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Cheapest car insurance in Jackson, Tennessee (Oct 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Jackson

In Jackson, the average
auto insurance
policy costs about $84 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Jackson drivers pay 8% less than the
Tennessee
average.   
While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to
shop around
and
compare quotes
to find the best cheap auto insurance policy for them. Fortunately, Jerry makes it easy for Jackson drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one completely hassle-free.
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
October 2, 2023
Progressive
$74
Harold, 37
Zip: 38305
Chevrolet Tahoe C1500 LS
• 50,000/100,000 Liability
• Comp / Collision
September 27, 2023
Safeco
$106
Warren, 57
Zip: 38301
Honda Civic LX
• State Minimum Liability
• Comp / Collision
September 26, 2023
Bristol West
$165
Paul, 37
Zip: 38301
Ford Fiesta SE
• State Minimum Liability
September 25, 2023
Travelers
$77
Bill, 31
Zip: 38301
Mazda CX-5 Touring
• 50,000/100,000 Liability
• Comp / Collision
September 21, 2023
Nationwide
$115
Lucinda, 24
Zip: 38301
Lexus ES 300
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Oct 2, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Jackson

Car insurance might not seem like a personal thing, but it is. Finding the right auto insurance policy depends on your needs as a driver, which means no single provider will offer the best rate for everyone. Apart from cost, other factors like claims handling and customer service are also important when choosing a carrier. 
If you’re struggling to find the best company in Jackson, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Jackson, so we conducted the largest insurance shopping survey in the nation.
Our findings: Policyholders in Tennessee gave Bristol West,
GEICO
, and
Travelers
the highest rates for cost, customer service, and claims processing. 
After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Geico
4.6
4.8
N/A
4.6
State Farm
4.2
3.7
4.6
4.4
Progressive
4.2
3.7
3.8
4
Allstate
4.1
4.3
N/A
4
Farmers
3.7
2.3
N/A
3
Highlighticon

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.

Best cheap car insurance quotes in Jackson

Jackson drivers need to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements
.
In many cases, drivers can also benefit from full coverage or other optional coverage types.

Cheap minimum liability insurance quotes in Jackson

In Jackson, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:
Uninsured/underinsured motorist coverage
is offered by insurers in Tennessee but isn’t required by law. If drivers choose to reject coverage, they must do so in writing.
Purchasing liability coverage is the easiest way to reduce monthly insurance payments, but it can leave you susceptible to significant expenses if you’re involved in an at-fault accident that causes injury or property damage.
Here’s a look at rates Jerry users have found for minimum liability coverage in Jackson.
Jonathan (37 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38305)
$80
per month
Warren (57 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38301)
$106
per month
Calvin (28 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38301)
$126
per month
Stanley (27 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38305)
$136
per month

Do you need more than minimum coverage in Jackson?

Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.
The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached. And because
Tennessee’s car accident laws
allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend long beyond the original crash. 
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Jackson

Liability coverage won’t cover damage to your vehicle—you’d need collision and comprehensive coverage for that.
Full coverage car insurance
generally refers to a policy that includes both
comprehensive
and
collision coverage
. Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or stationary object, while comprehensive coverage applies to damages caused by various other non-collision-related events, like theft, severe weather, or animal damage.
If you lease or finance a car, your lenders will likely require that you keep full coverage on your car for the duration of your loan.
Check out the rates other Jackson drivers have found for full coverage car insurance with Jerry’s help.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$74
Harold, 37
Zip: 38305
Chevrolet Tahoe C1500 LS
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$115
Lucinda, 24
Zip: 38301
Lexus ES 300
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$77
Bill, 31
Zip: 38301
Mazda CX-5 Touring
• State Minimum Liability
• Comp / Collision
Safeco
$106
Warren, 57
Zip: 38301
Honda Civic LX
coverageLast Updated Oct 2, 2023
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.
rating reverse-full
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
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Sean S.
Lower my car insurance too!

Average cost of car insurance in Jackson

After analyzing scores of insurance providers in Jackson, we have discovered that the average price for minimum liability coverage amounts to be $84 per month or $1,002 per year. Additionally, residents of Jackson can expect to pay an average of $148 per month or $1,770 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Jackson by zip code

The cost of car insurance in Jackson can greatly differ depending on your specific zip code. Each individual zip code within Jackson has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
38301
$44
$156
38305
$48
$164

Car insurance quotes in Jackson by rating factors 

Insurance companies in Jackson use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Jackson?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Jackson:

Cheap car insurance quotes in Jackson after driving violations

Your
Tennessee driving record
will predictably have a significant influence on your car insurance rate. Racking up too many violations could send your insurance rate skyrocketing, so it pays to practice safe driving by following the rules of the road.
Some common violations that contribute to premium increases include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Jackson after an at-fault accident

At-fault accidents can result in steep rate hikes from your car insurance company. Too many at-fault accidents on your record suggest you're a risky driver, which, to insurers, means a more costly driver. That’s why you’ll see higher insurance rates than drivers with
clean driving records
.
If you recently had an accident and saw your car insurance rate increase, shopping around for new car insurance quotes might get you a better rate—like it did for these Jackson policyholders:
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With No Injury
Progressive
$170
Albert, 24
Zip: 38305
Dodge RAM 1500 ST
• State Minimum Liability
Not At Fault
Safeco
$171
Brandon, 32
Zip: 38301
Ford Edge SEL
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$77
Verna, 31
Zip: 38301
Mazda CX-5 Touring
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Sep 27, 2023

Cheapest car insurance in Jackson after other driving violations

As you’d probably expect, driving offenses can increase your car insurance rate—but the exact impact will likely depend on how many you have and their severity. Things like reckless driving, driving on a suspended license, and
driving without insurance
are all violations that can increase car insurance rates in Jackson.
Here’s a look at rates Jackson drivers have found after various types of violations with help from Jerry:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Failure to Obey Signal
Progressive
$170
Katherine, 24
Zip: 38305
Dodge RAM 1500 ST
• State Minimum Liability
Driving on Sus. License
National General
$114
Cameron, 23
Zip: 38305
Chevrolet Malibu LT
• State Minimum Liability
Failure to Obey Signal
National General
$89
Essie, 24
Zip: 38305
Dodge RAM 1500 ST
• State Minimum Liability
coverageLast Updated Oct 1, 2023

Cheap car insurance quotes in Jackson by age

Age isn’t everything, but it has a significant impact on what you pay for auto insurance coverage.
Young drivers have the highest average car insurance premiums. Luckily, this is only temporary for safe drivers, as you can generally expect your car insurance rates to decrease gradually over time for most of your adult life.
By age 75, you can usually expect car insurance costs to rise again

Cheapest car insurance in Jackson for young drivers

Teen drivers
pay the most for car insurance in Tennessee out of any age group.
Considering that teens are statistically more likely to be involved in accidents, this doesn’t come as too much of a surprise. To help compensate, some young drivers might qualify for
good student discounts
or defensive driving course discounts.
That increased risk also makes it worthwhile to consider adding full coverage to a young driver’s policy—especially if they’re driving a newer vehicle or higher value.
Lola (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38305)
$152
per month
Lucinda (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38301)
carLexus ES 300
$115
per month
Mittie (18 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38305)
$127
per month
Jordan (22 years old)
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38305)
$98
per month

Cheap car insurance quotes in Jackson based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Rebecca (37 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38305)
$74
per month
Blake (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38301)
$77
per month
Sam (23 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38305)
$154
per month
Mario (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationJackson, TN (Zip Code: 38305)
$136
per month
Maurice (48 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationJackson, TN (Zip Code: 38305)
$142
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$74
Stephen, 37
Zip: 38305
Chevrolet Tahoe C1500 LS
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$154
Sam, 23
Zip: 38305
Ford Mustang
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Gainsco
$142
Henry, 48
Zip: 38305
Chevrolet Malibu Premier
• 50,000/100,000 Liability
• Comp / Collision
< 550
Bristol West
$113
Bertha, 30
Zip: 38301
Dodge Charger SXT
• State Minimum Liability
coverageLast Updated Sep 30, 2023

How to lower car insurance costs in Jackson

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Jackson pay on average $84 per month – or $1,002 per year – on state-minimum liability coverage. Full coverage in Jackson costs on average $148 per month of $1,770 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Jackson drivers Jerry has worked with, car insurance in Jackson costs an average of $84 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!   
The state-minimum car insurance in Jackson, Tennessee is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, and
Travelers
receive good ratings from Jackson drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.