Cheapest Auto Insurance in Jackson, Mississippi (2024)
State Farm offers the cheapest car insurance in Jackson, with minimum-coverage policies as low as $39 per month.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
Jackson drivers pay $173 per month for car insurance coverage, which exceeds the state average of $155 but is lower than the overall national average of $154. In addition to State Farm, the cheapest auto insurers in the city include USAA and Progressive.
The most populated city in Mississippi, Jackson is the capital of the state. More people condensed in one area often leads to more traffic and opportunities for car accidents, which can explain why average auto rates in Jackson cost more than the state average. To find the cheapest insurance for your needs, you should compare quotes from multiple insurance companies.
Here’s what you need to know about finding cheap auto coverage in Jackson.
Quick Facts
Jackson drivers pay $109 per month for liability coverage and $237 for full-coverage insurance, on average.
Auto insurers in Mississippi can consider your credit history when determining premiums.
Mississippi is an at-fault state, which means the driver responsible for an accident must cover the costs of the other driver’s damages and injury.
Cheapest car insurance companies in Jackson
Insurance companies use different methodologies when determining rates, which results in varying costs. This is why it’s so important to compare information from multiple insurance companies before making a decision. The company that works best for you will depend on your specific financial situation and insurance needs.
Here are a few of the top insurers selling coverage in Jackson. The quotes in the table below reflect average rates in Mississippi.
Insurance Company ▲ ▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $74 | $35 | Cheap rates |
| USAA | 9.4 | $76 | $36 | Veterans |
| Allstate | 8.9 | $121 | $58 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1922 in Illinois, State Farm is the largest car insurance company in the U.S. by market share, according to the National Association of Insurance Commissioners (NAIC).[1] State Farm offers customers a variety of insurance types, including auto insurance, business insurance, and home insurance. It has some of the cheapest rates in Jackson.
Pros
High rates of customer satisfaction
Variety of coverage options
Cons
Gap insurance not available
Increased rates for drivers with traffic violations
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA has been serving military members, veterans, and their families for more than 100 years. The company offers a variety of insurance products, banking services, and retirement solutions. Members can take advantage of several discounts and savings opportunities, including legacy discounts for customers whose parents have USAA auto insurance policies.
Pros
Savings of up to 30% possible via Safe Pilot safe driving program
Low premiums
Cons
Not available to non-military members
No 24/7 customer phone support
Best insurer for discounts: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Launched in 1931 under parent company Sears, Allstate has been insuring Americans for more than 90 years. Today, Allstate offers a variety of insurance products for people to insure vehicles, property, and life. Allstate offers many savings opportunities that help people save on coverage, including multi-vehicle, new-car, smart student, and bundling discounts.
Pros
Pay-per-mile option available
Better Business Bureau (BBB) rating of A+
Cons
Low customer satisfaction
Higher average quotes than some insurers
How to get the cheapest car insurance in Jackson
Insurers use your age, driving record, ZIP code, the type of car drive, and more to determine the cost of your car insurance policy.
If you want to find the cheapest car insurance in Jackson, consider the following tips:
Compare multiple insurers. Different car insurance companies offer different rates. Comparing multiple insurance companies can help you find the most affordable option.
Maintain a good driving record. The better your driving record is, the cheaper your premium is likely to be. If you have multiple violations or an accident on your record, you look riskier to insurance companies, and as a result, you can expect to pay more.
Drive a safe vehicle. The type of car you drive factors into the price of insurance. Cars with high-quality safety equipment may qualify for discounts.[2]
Find Cheap Car Insurance in Jackson, Mississippi
Liability rates start at $39 per month
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Cheapest liability-only car insurance in Jackson: State Farm
Almost every state requires drivers to carry a minimum amount of liability insurance. If you cause an auto accident, bodily injury liability covers the costs associated with any injuries you cause the other driver and their passengers. Property damage liability covers the damage to the other driver’s car or property.
Liability coverage in Jackson costs $109 per month, on average. The table below provides the cheapest monthly quotes for liability insurance in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $39 |
| USAA | $40 |
| Progressive | $65 |
| Allstate | $65 |
| Nationwide | $67 |
| GEICO | $68 |
| National General | $71 |
| Travelers | $77 |
| Safeco | $81 |
| Root | $85 |
| Bristol West | $87 |
| Shelter | $99 |
| Clearcover | $112 |
| Foremost | $115 |
| GAINSCO | $117 |
| Dairyland | $145 |
| Liberty Mutual | $148 |
| Direct Auto | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Jackson: State Farm
While liability-only insurance covers the other driver, full-coverage insurance also provides you with protection. A full-coverage policy typically includes liability, collision, and comprehensive coverage. If you have an accident, it will cover the cost of damages to your vehicle, regardless of fault. It also covers damages not caused by a collision.
On average, Jackson drivers pay $237 per month for auto coverage. Below, you can compare the cheapest average monthly quotes for a full-coverage auto insurance policy in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $83 |
| USAA | $85 |
| Allstate | $135 |
| Progressive | $136 |
| National General | $138 |
| Nationwide | $140 |
| GEICO | $142 |
| Root | $151 |
| Safeco | $152 |
| Travelers | $162 |
| Clearcover | $180 |
| Shelter | $209 |
| Bristol West | $237 |
| Liberty Mutual | $272 |
| Foremost | $318 |
| Dairyland | $325 |
| GAINSCO | $385 |
| Direct Auto | $452 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Jackson, Mississippi
Drivers in and around Jackson, Mississippi have found policies from First Acceptance, Liberty Mutual, Safeco, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Mississippi
Mississippi law requires all drivers to maintain liability insurance and carry proof of insurance in the vehicle at all times. You can show proof of insurance by using a paper or electronic card, such as on your cell phone.
In Mississippi, you can meet the minimum coverage requirements in several ways, including:
Showing proof of liability insurance
Posting a bond for the minimum amounts
Making a cash or security deposit equal to the minimum requirements
For most people, maintaining the minimum amount of liability insurance is the best way to protect yourself financially if you have an accident. If law enforcement stops you, and you fail to produce your insurance card, you can face a penalty of $1,000 and a driving suspension for one year or until you show proof of insurance.[3]
Mississippi requires the following limits for liability coverage:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Drivers in Mississippi can also choose to purchase additional coverages, including the following:
Collision coverage
Collision coverage pays for the cost of vehicle repairs following an accident, regardless of fault.
Comprehensive coverage
If someone steals your car, or you face vehicle damage from severe weather, vandalism, or fire, comprehensive insurance kicks in to cover repair and replacement costs.
Medical payments coverage
Following an accident, this can pay for the medical expenses of you and your passengers up to a certain limit.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, driving under the influence, and at-fault accidents. Having an incident on your driving record can cause your insurance to increase because insurers see you as a higher risk to insure. The amount your insurance will increase in Jackson depends on where you get insurance and the severity of the incident.
Jackson drivers with an incident on their record pay $225 per month for car insurance, on average. Some types of incidents have more of an effect on coverage than others. For instance, getting a driving under the influence (DUI) charge will likely result in non-renewal from most insurance companies.[4]
Shop for Car Insurance in Jackson, MS
Rates start at $48 per month for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In Mississippi, a speeding ticket will stay on your driving record for three years. Having speeding tickets on your record can cause your insurance rates to increase, as it signals a higher level of risk to insurers. If you want to find cheap car insurance in Jackson, aim to keep your driving record as clean as possible.
The average monthly cost of coverage for a Jackson driver with a speeding ticket is $239. The following table has cheap auto insurance rates for drivers with a speeding ticket in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $39 | $50 |
| USAA | $40 | $52 |
| Progressive | $65 | $83 |
| Allstate | $65 | $84 |
| Nationwide | $67 | $87 |
| GEICO | $68 | $88 |
| National General | $71 | $92 |
| Travelers | $77 | $100 |
| Safeco | $81 | $106 |
| Root | $85 | $118 |
| Bristol West | $87 | $113 |
| Shelter | $99 | $133 |
| Clearcover | $112 | $145 |
| Foremost | $115 | $160 |
| GAINSCO | $117 | $162 |
| Dairyland | $145 | $187 |
| Liberty Mutual | $148 | $206 |
| Direct Auto | $177 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause an accident and have to submit an insurance claim, your insurer will likely increase your car insurance premiums. In Mississippi, motor vehicle crashes are the number-one cause of injury-related death, according to the Mississippi State Department of Health. Mississippi also has one of the highest per-capita vehicle fatality rates in the country.[5]
On average, Jackson drivers with a past at-fault accident pay $246 per month for auto coverage. Here are the cheapest insurance companies for Jackson drivers with an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $39 | $52 |
| USAA | $40 | $54 |
| Progressive | $65 | $88 |
| Allstate | $65 | $88 |
| Nationwide | $67 | $91 |
| GEICO | $68 | $92 |
| National General | $71 | $96 |
| Travelers | $77 | $104 |
| Safeco | $81 | $108 |
| Root | $85 | $122 |
| Bristol West | $87 | $117 |
| Shelter | $99 | $139 |
| Clearcover | $112 | $162 |
| Foremost | $115 | $165 |
| GAINSCO | $117 | $151 |
| Dairyland | $145 | $194 |
| Liberty Mutual | $148 | $212 |
| Direct Auto | $177 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Receiving a DUI charge can have serious consequences on your insurance premium. Your premiums will increase, and your insurance company may choose not to renew your insurance.
In Mississippi, a first-time DUI results in license suspension as well as mandatory completion of the Mississippi Alcohol Safety Education Program (MASEP) and SR-22 documentation as proof of insurance for three years.[6]
The average cost of car insurance for a Jackson driver with a past DUI is $281 per month. The following table has the lowest rates for drivers with a DUI in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $39 | $64 |
| USAA | $40 | $65 |
| Progressive | $65 | $106 |
| Allstate | $65 | $106 |
| Nationwide | $67 | $110 |
| GEICO | $68 | $111 |
| National General | $71 | $116 |
| Travelers | $77 | $126 |
| Safeco | $81 | $123 |
| Root | $85 | $124 |
| Bristol West | $87 | $142 |
| Shelter | $99 | $162 |
| Clearcover | $112 | $183 |
| Foremost | $115 | $188 |
| GAINSCO | $117 | $191 |
| Dairyland | $145 | $237 |
| Liberty Mutual | $148 | $242 |
| Direct Auto | $177 | $289 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age can influence how much you pay for car insurance. Car insurance rates tend to start decreasing steadily for drivers around the age of 35. As many drivers enter their 50s, they tend to drive less and are more likely to follow the rules of the road, which results in cheap premiums.[7] However, around age 70, rates start to increase again to account for aging-related risk factors.
Senior drivers in Jackson pay an average of $134 per month for car insurance. The following table shows the cheapest car insurance quotes for senior drivers in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $29 | $62 |
| USAA | $31 | $66 |
| Progressive | $45 | $95 |
| Nationwide | $48 | $101 |
| Allstate | $51 | $105 |
| GEICO | $52 | $110 |
| National General | $53 | $102 |
| Travelers | $58 | $123 |
| Safeco | $67 | $126 |
| Bristol West | $68 | $184 |
| Root | $69 | $123 |
| Shelter | $70 | $147 |
| Foremost | $89 | $246 |
| Clearcover | $94 | $150 |
| GAINSCO | $95 | $313 |
| Dairyland | $112 | $251 |
| Liberty Mutual | $120 | $221 |
| Direct Auto | $134 | $341 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers pay the highest car insurance rates by age group due to a lack of driving experience and an increased likelihood of demonstrating risky behavior. Young drivers between the ages of 16 and 19 have the highest crash risk compared to any other age group. Fatal crashes for this age group are nearly three times as high as for drivers age 20 and older.[8]
Teenagers can earn lower average rates by following these tips:
Drive a safe car. Vehicles with high-quality safety equipment may qualify for a cheaper premium.
Look for student discounts. Many auto insurers offer good student discounts to students who maintain an average of “B” or better at school.
Enroll in a driver education course. Some insurance companies offer discounts for teen drivers who learned to drive through a driver’s education course.
On average, teenagers in the city pay $318 per month for car insurance. Here are the cheapest quotes for teen drivers in Jackson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $70 | $148 |
| USAA | $70 | $148 |
| GEICO | $113 | $237 |
| Progressive | $119 | $248 |
| Allstate | $120 | $250 |
| Nationwide | $122 | $254 |
| Root | $133 | $236 |
| Travelers | $145 | $305 |
| National General | $145 | $282 |
| Bristol West | $153 | $416 |
| Safeco | $162 | $303 |
| Shelter | $172 | $363 |
| GAINSCO | $210 | $691 |
| Foremost | $212 | $587 |
| Clearcover | $214 | $344 |
| Dairyland | $244 | $546 |
| Liberty Mutual | $264 | $486 |
| Direct Auto | $336 | $858 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Jackson car insurance quotes by credit tier
In Mississippi, insurers can consider a driver’s credit-based insurance score to determine insurance premiums. Drivers with excellent or good credit-based insurance scores may have a better chance of qualifying for a better rate. People with poor insurance-based credit scores may pay higher rates. While the link between credit score and auto insurance might not seem obvious, studies have found that credit scores are useful predictors of risk for car insurance.
Here are the average monthly quotes for Jackson drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Jackson?
With an average monthly rate of $173, car insurance in Jackson costs more than the state average of $155. Compared to other cities in Mississippi, Madison is the only city with a higher rate than Jackson.
Jackson has the largest population in Mississippi, which may partially explain the higher-than-average cost of insurance. More people in an area leads to more traffic, accidents, and filed claims, which can increase the cost of car insurance.
More cities in Mississippi
Drivers in other Mississippi cities tend to pay lower auto insurance rates than Jackson residents. But drivers in Madison and Southaven pay higher average premiums.
The table below shows average insurance quotes for cities in Mississippi.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Columbus | $85 | $221 |
| Hattiesburg | $94 | $222 |
| Madison | $103 | $226 |
| Meridian | $85 | $206 |
| Oxford | $92 | $223 |
| Southaven | $104 | $243 |
| Tupelo | $78 | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Jackson car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The following information should help answer any of your remaining questions.
How much is car insurance in Jackson?
The average cost of car insurance in Jackson is $173. Drivers in the city pay $109 per month for liability coverage and $237 for full-coverage insurance, on average. Your premium will ultimately depend on your driving record, credit history, age, and more.
Which company has the cheapest car insurance in Jackson?
State Farm has the cheapest car insurance in Jackson. Policyholders with State Farm pay $39 per month on average for liability coverage.
What are the best car insurance companies in Jackson?
State Farm is the best car insurance company in Jackson. It earned an A++ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) Score of 4.4 out of 5, and high customer satisfaction from J.D. Power. Other top insurers include USAA and Allstate.
How much is full-coverage car insurance in Mississippi?
The average cost of full-coverage car insurance in Mississippi is $219 per month. In Jackson, drivers pay $237 per month for full coverage.
What is the minimum car insurance required in Mississippi?
Mississippi drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Mississippi
Sources
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry: 2022 Top 25 Groups and Companies by Countrywide Premium."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Mississippi Insurance Department. "Auto Insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Mississippi State Department of Health. "Injury and Violence Prevention."
- Mississippi Driver Services Bureau. "DUI Department."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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