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The capital city of Mississippi, Jackson is a thriving area that can be difficult to navigate if you’re new in town. Areas near Jackson State University, downtown, and the University of Mississippi Medical Center all tend to be busy outside of rush hour, with additional downtown streets becoming clogged easily. Once you’re in the outer limits of the metro area, however, driving becomes far easier. Whether you mostly drive in heavily trafficked areas or you live farther from the city itself, it’s important to have adequate car insurance.
The average cost of Mississippi car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jackson, MS to find you the cheapest quotes in the area.
Here are the cheapest carriers in Jackson for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $35/mo |
 State Farm | $68/mo |
 Travelers | $154/mo |
 Direct Auto | $170/mo |
 The General | $189/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Jackson. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $246/mo | |
 Liberty Mutual | $388/mo | |
Travelers | $149/mo |
| Gulfport | $179/mo |
| Southaven | $148/mo |
| Hattiesburg | $176/mo |
| Biloxi | $167/mo |
| Jackson | $139/mo |
| Mississippi | $162/mo |
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The state of Mississippi requires all motor vehicle operators to have proof of insurance available in the car at all times.
The minimum bodily injury liability insurance requirements in Mississippi are:
Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Mississippi state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
Property damage liabilitry coverage pays for any property that you damage in an accident. The state of Mississippi requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
Jackson’s teenage drivers will spend most of their part-time jobs trying to afford their car insurance payments. Young adults drop $181 off the hefty price that teens pay because they have more experience. After years on the road, people in their 30s, 40s, and 50s finally see their rates drop below the state average of $216. Jackson’s drivers in their retirement years and beyond get the best premiums. Folks in their 80s spend less than a third of what teens fork over to the insurance company.
| Driver's Age | |
|---|---|
| teens | $468 |
| 20s | $287 |
| 30s | $196 |
| 40s | $174 |
| 50s | $192 |
| 60s | $172 |
| 70s | $182 |
| 80s | $136 |
| Driving History | |
|---|---|
| No Violation | $211 |
| Speeding Ticket | $309 |
| At-Fault Accident | $362 |
| Failure to Stop for Red Light / Stop Sign | $269 |
As expected, the drivers with no violations have the smallest bills. Safety pays dividends on the road and in the pocketbook. The safest drivers qualify for the “good driver” and “accident-free” discounts, which most insurance companies offer. A failure-to-stop violation adds $58 to monthly premiums, and a single at-fault accident shoots the price up $150 per month, a difference of $1,800 per year. Fortunately, after three years, violations and accidents no longer affect car insurance rates.
After looking at the table, folks in Jackson might ask why drivers with good credit pay less than those with average credit? Sometimes, those with better credit finance more expensive cars and therefore have higher insurance premiums. By the time the table gets to excellent credit, the savings even outweigh the added expense of more costly vehicles. If drivers move from poor to excellent credit, they can realize a cut of $86 per month on average, which adds up to over $1,000 a year.
| Credit Tie | |
|---|---|
| Excellent | $165 |
| Good | $244 |
| Average | $232 |
| Poor | $251 |
Some large cities have organized their DMV services in an easily navigable way, while others simply haven’t. Jackson falls somewhere between the two ends of the spectrum, with several DMV locations sprinkled throughout the city but not enough to quickly meet resident needs. Offices are only open Monday through Friday from 8 a.m. to 5 p.m., making it hard for some to visit during business hours.
Public transportation in Jackson is undergoing a period of revitalization, so while it’s easier to access the city without a car than in previous years, it’s still not as rich with options as one would expect. Bus routes on the JATRAN system are being redesigned and expanded with the hope that certain parts of the city will now become more accessible. Jackson has also introduced the idea of a bikesharing program; however, options like Uber and Lyft are likely your best bet here.
Depending on where you live and where you work, driving in Jackson could be a breeze or might include a little more stress than in other parts of the nation. If you’re new to the area, it’s important to familiarize yourself with the major highways and downtown streets and make sure you leave with plenty of time to get to your destination.
Just because Mississippi doesn’t require much in the way of insurance coverage doesn’t mean you can’t enroll in a more robust and affordable policy. Visit Insurify to discover just how much you can save, and hit the road knowing you’re fully protected in the event of an accident.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Jackson drivers measure up to their fellow Mississippi motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Jackson drivers rank 17 in the number of car accidents per driver across all cities in Mississippi.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Mississippi, Jackson drivers rank 14 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jackson drivers rank 14 in the number of DUI’s per driver across all cities in Mississippi.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jackson is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Mississippi, Jackson drivers rank 2 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Jackson drivers rank 1 in clean driving records across all cities in Mississippi.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Jackson drivers rank 1 in failure to yield violations per driver across all cities in Mississippi.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Mississippi, Jackson drivers rank 6 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jackson drivers rank 4 in hybrid and electric vehicle ownership across all cities in Mississippi.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
