120+ more*Quotes generated for Insurify users in and around Jackson, Tennessee within the last 10 days. Last updated on September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jackson, Tennessee within the last 10 days. Last updated on September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The average cost of car insurance in Jackson, Tennessee, is $58 per month for state-minimum liability coverage and $137 for full coverage.
Drivers in Smyrna, Tennessee, pay an average of $65 per month for a liability-only policy. Liability-only insurance coverage in Memphis costs an average of $89 per month.
Jackson drivers commute 18.2 minutes on average, compared to the state average of 25.7 minutes.[1] Driving fewer miles reduces accident risk and contributes to lower insurance rates.
State Farm offers some of the cheapest liability-only insurance in Jackson, averaging $37 per month. Drivers in Jackson pay an average of $58 per month for liability insurance, compared to the statewide average of $60.
Tennessee drivers must demonstrate proof of financial responsibility by either posting a $65,000 bond with the Tennessee Department of Revenue or meeting the following minimum insurance requirements:[2]
$25,000 bodily injury liability (per person)
$50,000 bodily injury liability (per accident)
$25,000 property damage liability (per accident)
The following table shows the cheapest liability-only car insurance rates in Jackson.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $37 |
| Sun Coast | $37 |
| Mile Auto | $38 |
| Certainly | $41 |
| Direct Auto | $41 |
| Progressive | $41 |
| Freedom National | $42 |
| USAA | $44 |
| AssuranceAmerica | $47 |
| GEICO | $48 |
| Auto-Owners | $50 |
| The General | $50 |
| Travelers | $50 |
| Trexis | $52 |
| Erie | $53 |
| Safeco | $58 |
| GAINSCO | $59 |
| National General | $60 |
| Trexis One | $60 |
| Dairyland | $63 |
| Mendota | $63 |
| First Acceptance | $64 |
| Allstate | $67 |
| Insurify Car | $71 |
| Liberty Mutual | $72 |
| Farmers | $74 |
| Bristol West | $75 |
| Root | $77 |
| Elephant | $78 |
| Hugo | $94 |
| Chubb | $105 |
| State Auto | $140 |
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In Jackson, Progressive has the cheapest full-coverage rates, at $74 per month. Rates for full-coverage insurance in Jackson average $137 per month, with drivers statewide paying an average of $132.
In comparison, drivers in Franklin pay a monthly average of $129 for full coverage, while drivers in Clarksville pay an average of $143.
The city’s risk of tornadoes, flooding, and occasional snowstorms increases the appeal of cheap full-coverage car insurance. For example, West Tennessee experienced 20 tornadoes in 2025 alone, according to the National Weather Service.
The table below lists the companies with the cheapest full-coverage auto insurance rates in Jackson.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $74 |
| Mile Auto | $75 |
| Sun Coast | $76 |
| State Farm | $79 |
| USAA | $94 |
| Direct Auto | $95 |
| GEICO | $103 |
| National General | $103 |
| Auto-Owners | $108 |
| Travelers | $108 |
| Safeco | $109 |
| AssuranceAmerica | $116 |
| Erie | $116 |
| Certainly | $120 |
| Trexis | $126 |
| Root | $133 |
| Elephant | $137 |
| Allstate | $145 |
| Liberty Mutual | $148 |
| The General | $149 |
| Trexis One | $149 |
| GAINSCO | $150 |
| Mendota | $151 |
| Farmers | $157 |
| Freedom National | $158 |
| Bristol West | $164 |
| First Acceptance | $175 |
| Dairyland | $193 |
| Chubb | $226 |
| State Auto | $301 |
In the Volunteer State, Memphis drivers pay some of the highest average car insurance rates. Bristol drivers’ rates are among the lowest.
Car insurance rates in Jackson are comparable to the state average of $96 per month.
Rate differences may stem in part from differences in population size. With about 70,000 residents, Jackson’s population is about 2.5 times that of Bristol. By comparison, Memphis has about 610,000 residents and more drivers than Jackson. More traffic often means higher insurance rates.
The following table highlights average total monthly costs for car insurance in various Tennessee cities.
City | Average Monthly Quote |
|---|---|
| Johnson City | $76 |
| Bristol | $79 |
| Maryville | $80 |
| Kingsport | $81 |
| Oak Ridge | $85 |
| Cleveland | $91 |
| Franklin | $94 |
| Knoxville | $94 |
| Chattanooga | $97 |
| Hendersonville | $97 |
| Smyrna | $101 |
| Clarksville | $104 |
| Murfreesboro | $104 |
| Nashville | $116 |
| Memphis | $144 |
*Quotes generated for Insurify users in and around Jackson, Tennessee within the last 10 days. Last updated on September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jackson, Tennessee within the last 10 days. Last updated on September 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance agents typically ask about your driving history to provide a more accurate auto insurance quote. Moving violations, such as a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction, typically increase your rates.
Each of the following companies offers the cheapest liability rates for different driver profiles in Jackson:
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
Tennessee is an at-fault state, which means drivers are financially responsible for accidents they cause. In Jackson, 4.5% of drivers have an at-fault accident on their record, 5.9% have a speeding ticket, and 0.94% have a DUI conviction, according to Insurify data.
Jackson has active DUI enforcement, with the Tennessee State Patrol conducting occasional sobriety checks in Madison County. Tennessee DUI laws require first-time offenders to spend at least 48 hours in jail and pay up to $1,500 in fines.
After a DUI, you may also need an SR-22 certificate to reinstate your license.
The table below shows average monthly quotes in Jackson by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $98 |
| Speeding ticket | $130 |
| At-fault accident | $140 |
| DUI | $147 |
Jackson has five free parking lots. If you plan to spend more than a few hours downtown, consider parking in one of the lots to avoid a ticket for an expired parking meter.
In north Jackson, heavy traffic often causes congestion at the U.S. 5 interchange at Vann Drive, increasing the risk of an accident. At the intersection of Vann Drive, Express Drive, and Country Club Lane, the city recently installed traffic signals, crosswalks, and overhead detection cameras.
City officials say these improvements should reduce accidents and enhance traffic flow.
In other areas of the city, Jackson construction crews continue to work on a multi-year road resurfacing project. The $10 million project includes well-traveled routes like McClellan Road.
While significant precipitation can cause construction delays, it can also lead to flash flooding when water overwhelms Jackson’s storm drain systems. Comprehensive insurance typically covers vehicle damage from flooding.
Because Tennessee has one of the nation’s highest rates of uninsured drivers, according to the Insurance Research Council, consider adding uninsured motorist coverage to your policy. It can help pay for your medical expenses if an uninsured driver causes an accident.
In the spring and fall, new and returning students increase traffic along key routes to Union University, Jackson State Community College, and the city’s four other universities. Annual events, such as the Bunny Run Car Show, Porchfest, and Christmas in the City in downtown Jackson, may disrupt typical traffic patterns throughout the year.
Several major highways, including U.S. 412, U.S. 70, and U.S. 45, pass through Jackson, contributing to local traffic.[3] Construction is scheduled to begin at Interstate 40 and Christmasville Road in 2027 to accommodate future growth in the area.
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Insuring a teen driver with liability-only coverage in Jackson costs an average of $114 per month. In Tennessee, teenagers can obtain a learner’s permit at age 15 and receive their driver’s license at age 16 after completing 50 hours of driving practice.
From mid-2025 to mid-2026, one in 10 Tennessee drivers aged 15–19 involved in a crash was distracted, according to the Tennessee Department of Safety and Homeland Security.
The following table shows the insurers with the cheapest car insurance for teen drivers in Jackson.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Sun Coast | $73 |
| State Farm | $74 |
| Mile Auto | $81 |
| Certainly | $81 |
| Progressive | $81 |
| Direct Auto | $83 |
| USAA | $84 |
| GEICO | $90 |
| The General | $94 |
| AssuranceAmerica | $100 |
| Erie | $100 |
| Trexis | $102 |
| Auto-Owners | $104 |
| Travelers | $107 |
| GAINSCO | $107 |
| Dairyland | $113 |
| Trexis One | $118 |
| Root | $122 |
| Safeco | $122 |
| National General | $123 |
| Mendota | $124 |
| First Acceptance | $126 |
| Liberty Mutual | $131 |
| Allstate | $132 |
| Bristol West | $138 |
| Insurify Car | $140 |
| Elephant | $147 |
| Farmers | $152 |
| Hugo | $185 |
| Chubb | $221 |
| State Auto | $343 |
State Farm has some of the cheapest liability-only car insurance rates for Jackson seniors, at an average of $29 per month. This is much lower than the citywide average of $50 per month.
With 16.2% of its residents aged 65 and older, Jackson has a larger senior population than Memphis and Murfreesboro, but a smaller one than Kingsport or Chattanooga.
The table below features the cheapest liability car insurance quotes for Jackson seniors.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $29 |
| Mile Auto | $30 |
| Sun Coast | $32 |
| Direct Auto | $33 |
| Certainly | $35 |
| Progressive | $35 |
| USAA | $36 |
| AssuranceAmerica | $37 |
| GEICO | $38 |
| Auto-Owners | $39 |
| Travelers | $40 |
| Erie | $41 |
| The General | $42 |
| Trexis | $45 |
| National General | $47 |
| Safeco | $50 |
| GAINSCO | $50 |
| Trexis One | $52 |
| Dairyland | $53 |
| Mendota | $54 |
| First Acceptance | $55 |
| Allstate | $58 |
| Farmers | $58 |
| Liberty Mutual | $60 |
| Insurify Car | $61 |
| Bristol West | $62 |
| Elephant | $63 |
| Root | $71 |
| Chubb | $79 |
| Hugo | $81 |
| State Auto | $106 |
See answers to frequently asked questions below to help you find the best car insurance in Jackson.
Car insurance costs Jackson, Tennessee, drivers an average of $98 per month. Minimum coverage averages $58 per month, and Jackson drivers with full coverage pay an average of $137 per month.
Your driving record, age, gender, vehicle, and selected coverage affect how much you pay for car insurance in Jackson. Weather risks, auto theft rates, population density, and cost of living also influence local premiums.
While no one company is best for every driver, State Farm and Sun Coast are among the best insurance companies in Jackson, based on affordable rates and available coverage types.
To meet minimum Tennessee car insurance requirements, drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.
Maintaining a clean driving record, getting good grades, driving a car with certain safety features, and insuring multiple cars are just a few ways you can earn a discounted rate on your premium. Some insurers offer auto-pay discounts or savings for bundling auto insurance with renters insurance or home insurance, life insurance, or business insurance.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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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