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.
Jessica has been a contributor at Insurify since July 2023.
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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Cheapest recent rates near Jackson, Mississippi
Recent Jackson, Mississippi car insurance prices for Ford, Nissan, Toyota , and more.
*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jackson drivers pay $165 per month for car insurance coverage, which exceeds the state average of $150 but is lower than the overall national average of $152. In addition to State Farm, the cheapest auto insurers in the city include USAA and Allstate.
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 $220 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.
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 55,000 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.
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.
$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.
$80/mo
4.2
Best choiceBased on 9,440 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
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 (5,195)
Graylin
January 18, 2025
Verified Review
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
Chris
January 18, 2025
Verified Review
Dishonest and Untrustworthy
Mediocre at best, they keep changing their rates. They keep raising their income to help themselves, never explaining what their issues are. They trap you in, making you think you have no choice.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
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.
$41/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.
$84/mo
4.9
Best choiceBased on 1,675 verified guest reviews and ratings
▲
USAA's score
▲▼
Industry average
▲▼
Coverage options
4.9
3.2
Customer service
4.6
3.6
Discounts
4.9
2.9
Policy transparency
4.9
3.1
Value
4.9
2.9
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 (961)
William
January 18, 2025
Verified Review
Trouble Remembering PIN with USAA
USAA is great, but I do have trouble remembering my PIN number. That's a problem.
William
January 13, 2025
Verified Review
I love USAA
I love USAA. However, I don't know my PIN, and that has caused me some inconvenience.
Thomas
January 13, 2025
Verified Review
Too Personal
They penalize me for using my phone as a passenger in someone else's car. Even though I have a Bluetooth hands-free phone, they still want to deduct points. I guess next they'll penalize me if I talk to my wife while I'm driving.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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
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.
$64/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.
$132/mo
4.0
Best choiceBased on 5,858 verified guest reviews and ratings
▲
Allstate's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
4
2.9
Policy transparency
3.9
3.1
Value
3.7
2.9
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 (3,196)
Billy
January 18, 2025
Verified Review
Looking for Better Rates
I have been with Allstate for over 50 years, but their extremely high rates are turning me towards other companies.
Gloria
January 17, 2025
Verified Review
Worst Insurance Company Ever
They doubled their policy for the following year. When I called them about it, they said there was nothing they could do. That's just the way it is.
Patricia
January 15, 2025
Verified Review
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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 $40 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$40
USAA
$41
Allstate
$64
Progressive
$65
Nationwide
$66
GEICO
$67
National General
$69
Travelers
$77
Bristol West
$83
Root
$84
Safeco
$87
Shelter
$99
Clearcover
$110
Foremost
$112
GAINSCO
$117
Dairyland
$147
Liberty Mutual
$155
Direct Auto
$179
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 $220 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$80
USAA
$84
Allstate
$132
Progressive
$133
National General
$134
Nationwide
$136
GEICO
$139
Safeco
$142
Root
$152
Travelers
$158
Clearcover
$177
Shelter
$205
Bristol West
$222
Liberty Mutual
$264
Foremost
$312
Dairyland
$343
GAINSCO
$382
Direct Auto
$470
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
Recent Jackson, Mississippi car insurance prices for Toyota, Ford, Buick , and more.
*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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 $213 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 $49 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $225. 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$40
$51
USAA
$41
$53
Allstate
$64
$82
Progressive
$65
$83
Nationwide
$66
$85
GEICO
$67
$86
National General
$69
$89
Travelers
$77
$100
Bristol West
$83
$107
Root
$84
$116
Safeco
$87
$113
Shelter
$99
$132
Clearcover
$110
$141
Foremost
$112
$154
GAINSCO
$117
$161
Dairyland
$147
$188
Liberty Mutual
$155
$213
Direct Auto
$179
$230
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 $231 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$40
$53
USAA
$41
$55
Allstate
$64
$86
Progressive
$65
$88
Nationwide
$66
$89
GEICO
$67
$90
National General
$69
$92
Travelers
$77
$104
Bristol West
$83
$111
Root
$84
$121
Safeco
$87
$117
Shelter
$99
$139
Clearcover
$110
$159
Foremost
$112
$159
GAINSCO
$117
$150
Dairyland
$147
$195
Liberty Mutual
$155
$220
Direct Auto
$179
$245
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 $264 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$40
$65
USAA
$41
$67
Allstate
$64
$104
Progressive
$65
$105
Nationwide
$66
$107
GEICO
$67
$109
National General
$69
$112
Travelers
$77
$125
Bristol West
$83
$135
Root
$84
$123
Safeco
$87
$132
Shelter
$99
$161
Clearcover
$110
$178
Foremost
$112
$182
GAINSCO
$117
$190
Dairyland
$147
$238
Liberty Mutual
$155
$251
Direct Auto
$179
$290
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 $128 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$30
$60
USAA
$32
$65
Progressive
$45
$93
Nationwide
$48
$98
Allstate
$50
$103
National General
$51
$99
GEICO
$52
$107
Travelers
$58
$119
Bristol West
$64
$172
Root
$69
$125
Shelter
$70
$145
Safeco
$73
$118
Foremost
$87
$242
Clearcover
$93
$150
GAINSCO
$95
$310
Dairyland
$114
$266
Liberty Mutual
$125
$214
Direct Auto
$134
$353
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 $295 per month for car insurance. Here are the cheapest quotes for teen drivers in Jackson.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$71
$143
USAA
$71
$146
GEICO
$111
$231
Progressive
$117
$239
Allstate
$118
$244
Nationwide
$120
$247
Root
$129
$234
National General
$140
$271
Travelers
$144
$295
Bristol West
$144
$385
Safeco
$169
$276
Shelter
$169
$351
Clearcover
$203
$327
Foremost
$205
$572
GAINSCO
$207
$676
Dairyland
$243
$566
Liberty Mutual
$272
$463
Direct Auto
$337
$886
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 driversby credit tier.
Rates by Credit Tier
Category
▲▼
Price
▲▼
Excellent
140
Good
166
Fair
182
Poor
282
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 $165, car insurance in Jackson costs more than the state average of $150. 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.
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 $165. Drivers in the city pay $109 per month for liability coverage and $220 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 $40 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 $209 per month. In Jackson, drivers pay $220 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
Jessica has been a contributor at Insurify since July 2023.
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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