120+ more*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on October 15, 2026. 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 October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Jackson drivers pay an average of $128 per month for car insurance. This breaks down to an average of $85 for liability-only coverage and $171 for full-coverage policies. That’s higher than the state average of $138 per month, according to Insurify data.
As Mississippi’s state capital, Jackson has a large population of 141,196, which may contribute to higher rates.[1] Drivers in smaller cities, like Tupelo and Hattiesburg, generally pay lower premiums. Drivers in nearby Madison pay an average of $117 per month, according to Insurify data.
Mississippi requires drivers to carry a minimum amount of car insurance. To legally drive in the Magnolia State, you’ll need an insurance policy with at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.[2]
Jackson drivers pay a monthly average of $85 for liability-only policies. A liability insurance policy can help you pay for another driver’s car repairs and medical bills after you cause an accident. But this state-minimum coverage won’t help you pay to repair your own vehicle.
The following table shows the cheapest rates for liability-only car insurance in Jackson.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| USAA | $44 |
| Progressive | $50 |
| Bristol West | $62 |
| Direct Auto | $63 |
| National General | $63 |
| Allstate | $66 |
| GEICO | $73 |
| The General | $81 |
| Travelers | $83 |
| Trexis One | $83 |
| Safeco | $85 |
| First Acceptance | $87 |
| Mendota | $87 |
| GAINSCO | $90 |
| Root | $92 |
| Shelter | $106 |
| Liberty Mutual | $132 |
| Dairyland | $137 |
| Hugo | $137 |
Liability policies average $89/mo.
Jackson drivers pay an average of $171 per month for full-coverage car insurance. This represents the highest costs in the state, according to Insurify data.
But with occasional flooding and frequent tornado threats, opting for this more robust policy, which includes comprehensive and collision coverage, could be the right move for many drivers.
The table below highlights the cheapest rates for full-coverage car insurance in Jackson.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| USAA | $83 |
| National General | $109 |
| Progressive | $118 |
| Allstate | $122 |
| Safeco | $122 |
| Direct Auto | $124 |
| Root | $140 |
| GEICO | $142 |
| Travelers | $158 |
| Bristol West | $160 |
| Mendota | $198 |
| Shelter | $204 |
| Trexis One | $206 |
| Liberty Mutual | $214 |
| First Acceptance | $223 |
| GAINSCO | $224 |
| The General | $308 |
| Dairyland | $341 |
Mississippi drivers pay an average of $138 per month for car insurance. In Jackson, car insurance premiums are slightly lower, averaging $128 per month, according to Insurify data.
Jackson’s higher population density may contribute to its average costs. Additionally, its location on the Pearl River and associated flood risk likely push premiums higher. In Meridian, which doesn’t sit on a major river, car insurance premiums are significantly lower.
The table below shows average car insurance costs across other Mississippi cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
Jackson drivers pay significantly more for car insurance than drivers in other parts of Mississippi, according to Insurify data. The higher population density means more vehicles on the roads, which could make it easier to get into an accident.
Additionally, vehicle theft may be a factor. Jackson ranked 16th nationally for vehicle thefts in the first half of 2025, with 3,595 stolen cars, according to Insurify data.
Beyond that, Jackson faces a significant threat from tornadoes, which seem to hit the area at least once per year. When you factor in occasional threats from ice storms and flooding, it’s easy to see how the roads could be perilous at times.[3]
*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on October 15, 2026. 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 October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
When determining premiums, car insurance companies look at many factors. Your driving history is a key factor.[4] Generally, drivers with a clean driving history pay lower rates than drivers with a past incident.
Below are the cheapest companies for Jackson drivers by driving record:
Cheapest car insurance for Jackson drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Jackson: State Farm
Cheapest car insurance for Jackson drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Jackson: State Farm
In an at-fault state like Mississippi, drivers found at fault in an accident must pay the other driver’s medical bills and car repairs resulting from the incident.
In Jackson, 3.7% of drivers have a ticket on their driving record, 3.1% have an accident on their record, and 0.6% have a driving under the influence (DUI) conviction, according to Insurify data. These motorists typically pay higher auto insurance rates than people with clean driving records.
The following table highlights average monthly insurance costs in Jackson by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $128 |
| Speeding ticket | $156 |
| At-fault accident | $169 |
| DUI | $161 |
Jackson tends to draw a crowd. That’s particularly true downtown, where you’ll find multiple museums. Also, when events are held at the Mississippi State Fairgrounds, expect traffic to back up in the area.
Downtown parking has paid street parking options. But during the legislative session, Capitol grounds and perimeter streets are reserved for lawmakers. That can make parking difficult from January to early April when lawmakers are in town. If you’re trying to park downtown during the session, you may have better luck in the garage.
The city is prone to severe weather, including tornadoes, flooding, and ice storms. If possible, stay off the road during severe weather. If you must drive, avoid any rushing water.
It’s illegal to drive without insurance. If you’re caught, you could face a $1,000 fine and a one-year license suspension (or until you provide proof of insurance).
Jackson drivers face an average commute of 19.9 minutes, according to the U.S. Census Bureau. But even with a relatively light commute, traffic tends to back up in certain parts of town.
In particular, ongoing road construction projects create congestion. For example, the Mississippi Department of Transportation (MDOT) is planning a roughly 2.5-year “Big Fix” project that covers Interstate 20 from Wiggins Road to east of the Pearson Road/SR-468 interchange, as well as stretches of Interstate 55 and Interstate 220. MDOT plans for two 45-day shutdowns of I-20, westbound in summer 2027 and eastbound in summer 2028.
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Mississippi law allows 15-year-olds to get on the road with a regular learner’s permit. After holding the permit for at least 12 months, Mississippi teens can obtain a driver’s license as early as age 16.
Teen drivers in Jackson often find the cheapest rates through State Farm and USAA. But young drivers should expect to face higher car insurance premiums than their older counterparts.
The following table lists the companies offering the lowest liability-only rates for teenage drivers in Jackson.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $80 |
| State Farm | $82 |
| Progressive | $90 |
| Bristol West | $109 |
| Allstate | $119 |
| Direct Auto | $122 |
| National General | $123 |
| GEICO | $131 |
| Root | $138 |
| The General | $145 |
| Trexis One | $150 |
| GAINSCO | $156 |
| First Acceptance | $157 |
| Mendota | $157 |
| Travelers | $170 |
| Safeco | $172 |
| Shelter | $208 |
| Liberty Mutual | $229 |
| Dairyland | $234 |
| Hugo | $247 |
Approximately 15% of Jackson’s 141,000 residents are 65 or older, according to the U.S. Census Bureau. After decades behind the wheel, drivers 60 and older pay the cheapest rates in Jackson — an average of $75 per month for liability policies and $152 per month for full-coverage policies.
The table below highlights the companies with the cheapest liability-only car insurance rates for senior drivers in Jackson.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| USAA | $36 |
| Progressive | $44 |
| National General | $50 |
| Direct Auto | $52 |
| Bristol West | $52 |
| Allstate | $59 |
| GEICO | $59 |
| Travelers | $67 |
| The General | $70 |
| Trexis One | $74 |
| Safeco | $75 |
| First Acceptance | $77 |
| Mendota | $77 |
| Shelter | $77 |
| GAINSCO | $78 |
| Root | $86 |
| Liberty Mutual | $111 |
| Dairyland | $117 |
| Hugo | $122 |
If you have more questions about car insurance in Jackson, Mississippi, the following answers may help.
State Farm offers the cheapest car insurance rates in Jackson, with liability policies averaging $43 per month.
Jackson drivers pay an average of $128 per month for car insurance, according to Insurify data.
Flooding threats and damaging tornadoes likely contribute to Jackson’s above-average car insurance costs.
Yes. Drivers in Jackson can often find discount opportunities through their car insurance company. For example, many insurers offer a multi-policy discount when you purchase other types of coverage, such as home, renters, or motorcycle insurance, in addition to your auto insurance policy. Additionally, increasing your deductible could lead to lower rates.
To legally drive on Mississippi roads, drivers must carry an insurance policy with at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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