Cheap Auto Insurance Quotes in Jackson, MS (2021)

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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.

Car Insurance in Jackson, MS

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.

$35
$68
$154
$170
$189
ProgressiveState FarmTravelersDirect AutoThe General

Cheapest Car Insurance in Jackson

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.

Best Car Insurance in Jackson, MS

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.

Average Car Insurance Cost

$162
$179
$148
$176
$167
$139
MississippiGulfportSouthavenHattiesburgBiloxiJackson

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Jackson, MS Driving Facts

mississippi

Minimum Car Insurance Requirements in MS

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident 

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.

  • $25,000 property damage liability per accident

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 Car Insurance Rates by Driver Age

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.

Driving History
No Violation$211
Speeding Ticket$309
At-Fault Accident$362
Failure to Stop for Red Light / Stop Sign$269

Jackson Car Insurance Rates by Driving and Accident History

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.

Jackson Car Insurance Rates by Credit Tier

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.

Jackson, MS DMV Information

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, MS

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.

Conclusion: How to get the best and cheapest car insurance in Jackson, MS

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.

Find local Jackson agents

Bills Insurance Agency Inc. 
1675 Lakeland Dr. Ste. 103, Jackson, MS 39216
Arthur J. Gallagher Risk Management Services. 
PO Box 16447, Jackson, MS 39236
Newman Insurance Agency, Inc. 
413 S. President St. Ste. 111, Jackson, MS 39201
Matt Thames Insurance LLC 
645 Muirwood Circle, Jackson, MS 39157
Ross & Yerger Insurance, Inc. 
100 Eastover Center, Jackson, MS 39211
Ross & Yerger Insurance, Inc. 
P.O. Box 1139, Jackson, MS 39215
Brooks Ministry Insurance, Inc. 
1700 Lelia Dr Ste 102, Jackson, MS 39216-4887
The Insurance Mart, Inc. 
6045 Ridgewood Rd, Jackson, MS 39211-2753
Clyde C. Scott Insurance Agency, Inc. 
4744 I-55 North, Jackson, MS 39211
BancorpSouth Insurance Services, Inc. - Jackson 
525 E Capitol St Ste 405, Jackson, MS 39201

Insurify Insights: How Jackson Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Jackson, MS
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

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.

Accidents Jackson

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.

  • Rank within state: #17
  • Percent of drivers in Jackson with an accident: 4.99%
  • Drivers in Jackson, MS with an accident in their driving history paid on average 45.69% more than drivers with a clean record

Speeding Jackson

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.

  • Rank within state: #14
  • Percent of drivers in Jackson with a speeding ticket: 7.94%
  • Drivers in Jackson, MS with a speeding ticket in their driving history paid on average 38.07% more than drivers with a clean record

DUI/DWIs Jackson

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.

  • Rank within state: #14
  • Percent of drivers in Jackson with a DUI: 0.96%
  • Drivers in Jackson, MS with a DUI in their driving history paid on average 5.58% more than drivers with a clean record

Most Popular Vehicle Jackson

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.

Rude Jackson

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.

  • Rank within state: #2
  • Percent of drivers in Jackson with a reckless driving violation: 1.87%
  • Drivers in Jackson, MS with a reckless driving violation in their driving history paid on average 38.07% more than drivers with a clean record.

Safest Drivers Jackson

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.

  • Rank within state: #1
  • Percent of drivers in Jackson with clean record: 87.12%

Failure to Yield the Right of Way Jackson

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.

  • Rank within state: #1
  • Percent of drivers in Jackson with a failure to yield violation: 0.3%
  • Drivers in Jackson, MS with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Jackson

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.

  • Rank within state: #6
  • Percent of drivers in Jackson with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Jackson

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.

  • Rank within state: #4
  • Percent of drivers in Jackson with a hybrid/electric vehicle: 0.73%

FAQs - Jackson, MS Car Insurance

Does Jackson require I carry a lot of auto coverage?

The minimum insurance requirements in Mississippi aren’t very high, as drivers must have $25,000 for liability insurance. It’s recommended that you purchase additional options if you plan on driving often.

Can my credit affect my car insurance rates in Jackson?

Drivers with poor credit will find that they could pay more than double their neighbors who have excellent credit. While auto insurance isn’t calculated on your credit score alone, it does play a large role.

Where can I find cheap auto insurance in Jackson?

Motorists can work with a local Jackson insurance agent or can find a policy online from a major insurance company; however, if you’re looking for the best prices on coverage, try Insurify. You’ll be able to compare multiple quotes at once with ease and find the best policy for your needs.

Insurify Rate Comparison Methodology

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.