Cheapest Auto Insurance in Jackson, Mississippi (2026)

Jackson drivers pay $158 per month for car insurance coverage, which exceeds the state average of $137 and the overall national average of $142. 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.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price $66/mo*	Average price $69/mo*	Average price $108/mo*	Average price $99/mo*	Average price N/A	Average price $114/mo*
Overall rating	Overall rating	Overall rating	Overall rating	Overall rating	Overall rating
Value for money 3.6/5	Value for money 3.8/5	Value for money 3.6/5	Value for money 3.6/5	Value for money 3.8/5	Value for money 3.7/5
Customer service 4.1/5	Customer service 4.0/5	Customer service 4.0/5	Customer service 3.7/5	Customer service 4.1/5	Customer service 4.0/5
Claims handling 4.0/5	Claims handling 4.0/5	Claims handling 3.7/5	Claims handling 3.8/5	Claims handling 4.2/5	Claims handling 4.0/5
Special highlight AI-generated from 20538 user reviews Customer service	Special highlight AI-generated from 4185 user reviews Members of the military community	Special highlight AI-generated from 11994 user reviews Accident forgiveness	Special highlight AI-generated from 23777 user reviews Competitive rates	Special highlight AI-generated from 1023 user reviews Usage-based savings	Special highlight AI-generated from 20234 user reviews Teen drivers

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for cheap rates: State Farm

Cheap Rates

Compare Quotes

User Reviews	4.1 20,538 reviews
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.	$52/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.	$99/mo

Details

4.1

Best choice in Jackson, MSBased on 20,538 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Jackson for

Customer service

Competitive rates

Discounts for safe drivers

Showing 17 Mississippi reviews for Jackson driversSee all 7,997 State Farm reviews

Eric

Verified Review

Poor Customer Service

Reviewed in Mississippi on August 2, 2026

It’s as if they don’t want you to contact your agent. They want to send generic text messages, and the agent’s answering machine is very consumer-unfriendly, in my opinion.

Curtis

Verified Review

Vehicle Insurance Problems

Reviewed in Mississippi on July 12, 2026

Tip #1: Don’t give State Farm a chance to fix any problems you may have with insuring your vehicle. Tip #2: Go into the office and get insurance in person.

David

Verified Review

State Farm Review

Reviewed in Mississippi on May 25, 2026

I've been with State Farm for a while, and they have always treated me nicely and respectfully. They handle all my issues quickly and efficiently. I know I'm in good hands in case a problem arises.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

Best insurer for veterans: USAA

Veterans

Compare Quotes

User Reviews	4.9 4,185 reviews
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.	9.1 /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.	$54/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.	$104/mo

Details

4.9

Best choice in Jackson, MSBased on 4,185 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best in Jackson for

Members of the military community

Outstanding customer service

Competitive rates

Showing 5 Mississippi reviews for Jackson driversSee all 1,656 USAA reviews

James

Verified Review

Receptionist is sweet but your policy needs improvement

Reviewed in Mississippi on April 30, 2026

The lady I talked to was very knowledgeable, patient, and professional in every way. The only problem I have with all insurance companies is that I can’t drop comprehensive insurance without dropping collision. It seems like a tactic by insurance companies to take more money from people who don’t need comprehensive coverage. I’ve lived in my house for 20 years, and the chances of my car getting stolen are really slim. There are no trees close enough to fall on and destroy my car. I live in the city and seldom drive at night, so my chances of hitting a deer are very slim. My car is completely paid for and not financed, so why can’t I drop comprehensive coverage? I don’t need it and haven’t for a long time!

Malissia

Verified Review

Stay away from USAA

Reviewed in Mississippi on January 15, 2026

Rates keep increasing.

Lana

Verified Review

Claims process details are good

Reviewed in Mississippi on December 16, 2025

Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

• Low premiums

Cons

• Not available to non-military members

• No 24/7 customer phone support

Best insurer for discounts: Allstate

Discounts

Compare Quotes

User Reviews	3.8 11,994 reviews
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.	$84/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.	$164/mo

Details

3.8

A solid option in Jackson, MSBased on 11,994 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.9	3.6
Discounts	3.8	2.9
Policy transparency	3.7	3.1
Value	3.3	2.9

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

---

Best in Jackson for

Accident forgiveness

Wide availability

Cheap rates

Showing 3 Mississippi reviews for Jackson driversSee all 4,646 Allstate reviews

Amatha

Verified Review

Know Your Facts Before Taking Calls

Reviewed in Mississippi on July 24, 2026

Not as informative as I would like. He was speaking so fast that I had to ask him to slow down. It didn’t make me feel comfortable about where I stood as a customer. I hope this can change very soon.

Sandra

Verified Review

Rates Too High

Reviewed in Mississippi on May 31, 2026

I think the policy rates are too high for our older vehicles.

Lashanda

Verified Review

Average

Reviewed in Mississippi on December 7, 2025

It's a great insurance, just think the cost is too high.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

634

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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 $52 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.

Drivers in Jackson, Mississippi pay an average of $102 per month for liability-only coverage. State Farm has the cheapest rate at $52, and prices in Jackson are 15% higher than the Mississippi average of $89.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$52
USAA	$54
Progressive	$67
Bristol West	$78
National General	$78
Direct Auto	$81
Allstate	$84
GEICO	$90
The General	$98
Safeco	$103
Travelers	$103
Trexis One	$103
Mendota	$107
First Acceptance	$108
GAINSCO	$113
Root	$114
Shelter	$131
Liberty Mutual	$165
Dairyland	$170
Hugo	$174

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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.

Full coverage rates in Jackson vary widely across insurers, ranging from $99 to $405 per month. State Farm has the cheapest full coverage rate at $99, which is 54% below the Jackson average of $213.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$99
USAA	$104
National General	$133
Safeco	$155
Direct Auto	$156
Progressive	$160
Allstate	$164
Root	$170
GEICO	$173
Travelers	$197
Bristol West	$198
Mendota	$239
Shelter	$254
Trexis One	$254
Liberty Mutual	$265
First Acceptance	$270
GAINSCO	$284
The General	$362
Dairyland	$405

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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 $187 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 $64 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 $192. The following table has cheap auto insurance rates for drivers with a speeding ticket in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$52	$65
USAA	$54	$69
Progressive	$67	$81
National General	$78	$96
Bristol West	$78	$97
Direct Auto	$81	$101
Allstate	$84	$102
GEICO	$90	$116
Trexis One	$103	$125
The General	$98	$130
Mendota	$107	$130
First Acceptance	$108	$131
Travelers	$103	$131
Safeco	$103	$133
GAINSCO	$113	$134
Root	$114	$134
Shelter	$131	$171
Dairyland	$170	$207
Liberty Mutual	$165	$208
Hugo	$174	$212

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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 $208 per month for auto coverage. Here are the cheapest insurance companies for Jackson drivers with an accident.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$52	$69
USAA	$54	$73
Progressive	$67	$88
Bristol West	$78	$103
National General	$78	$104
Direct Auto	$81	$110
Allstate	$84	$110
GEICO	$90	$119
The General	$98	$134
Trexis One	$103	$135
Travelers	$103	$139
Mendota	$107	$141
First Acceptance	$108	$142
Safeco	$103	$143
Root	$114	$143
GAINSCO	$113	$144
Shelter	$131	$179
Liberty Mutual	$165	$219
Dairyland	$170	$224
Hugo	$174	$229

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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 $197 per month. The following table has the lowest rates for drivers with a DUI in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$52	$70
USAA	$54	$72
Progressive	$67	$84
Bristol West	$78	$104
National General	$78	$104
Allstate	$84	$105
Direct Auto	$81	$108
GEICO	$90	$121
The General	$98	$128
Trexis One	$103	$129
Mendota	$107	$134
First Acceptance	$108	$135
Travelers	$103	$138
GAINSCO	$113	$151
Safeco	$103	$152
Root	$114	$152
Shelter	$131	$177
Hugo	$174	$217
Liberty Mutual	$165	$221
Dairyland	$170	$227

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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 $141 per month for car insurance. The following table shows the cheapest car insurance quotes for senior drivers in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$42	$79
USAA	$45	$86
Progressive	$60	$143
National General	$62	$106
Bristol West	$66	$168
Direct Auto	$67	$130
GEICO	$73	$140
Allstate	$75	$146
Travelers	$84	$160
The General	$85	$313
Safeco	$91	$137
Trexis One	$92	$226
Mendota	$95	$213
Shelter	$96	$186
First Acceptance	$96	$241
GAINSCO	$98	$248
Root	$107	$159
Liberty Mutual	$139	$224
Dairyland	$146	$349

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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 $286 per month for car insurance. Here are the cheapest quotes for teen drivers in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
USAA	$98	$189
State Farm	$100	$190
Progressive	$121	$289
Bristol West	$137	$348
Allstate	$152	$296
National General	$154	$262
Direct Auto	$157	$302
GEICO	$162	$311
Root	$171	$255
The General	$176	$650
Trexis One	$186	$459
Mendota	$193	$432
First Acceptance	$195	$488
GAINSCO	$197	$495
Safeco	$209	$314
Travelers	$212	$405
Shelter	$258	$501
Liberty Mutual	$287	$461
Dairyland	$293	$698

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson 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.

Is car insurance more expensive in Jackson?

With an average monthly rate of $158, car insurance in Jackson costs more than the state average of $137. 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	$79	$162
Hattiesburg	$89	$183
Madison	$92	$202
Meridian	$81	$177
Oxford	$82	$183
Southaven	$99	$194
Tupelo	$79	$163

Disclaimer: Table data sourced from real-time Jackson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jackson may vary based on the policy buyer's unique driver profile.

Jackson car insurance FAQs