Cheap Auto Insurance Quotes in Jackson, MS (October 2022)

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.

See More:

• Cheap Car Insurance Mississippi

• Compare Car Insurance

Cheapest Car Insurance in Jackson, MS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Jackson. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Mississippi

All motor vehicles operated or parked on Mississippi roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Mississippi^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Mississippi is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

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.

See More:

• High-risk Car Insurance Mississippi

• DUI Car Insurance Mississippi

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.

See More: Bad Credit Car Insurance Mississippi

Find local Jackson agents

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.

For more detailed Mississippi city level guides, check out these below.

• Average Cost of Car Insurance Rates in Mississippi

• DUI Car Insurance Rates in Mississippi

• High-Risk Driver Car Insurance Rates in Mississippi

• Mississippi Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Mississippi

• SR-22 Insurance in Mississippi

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.

FAQs - Jackson, MS Car Insurance