Cheapest Auto Insurance in Jackson, Tennessee (2026)
Mile Auto offers the cheapest car insurance in Jackson, with minimum-coverage policies as low as $36 per month.
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Written byAly J. Yale
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Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
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Edited byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Updated
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Drivers in Jackson can expect to pay an average of $137 per month for full-coverage car insurance and $59 for liability-only coverage. The city’s rates are slightly higher than Tennessee’s monthly average of $96 but lower than the national average of $142 per month. It’s important to compare car insurance quotes from multiple insurers before buying a policy.
Car insurance premiums vary by age, driving record, crime, traffic accident rates, and more. Jackson may have higher premiums than other Tennessee cities due to Madison County’s higher rate of accidents: 3,321 traffic accidents between 2010 and 2020, No. 16 out of 95 counties statewide.[1]
Quick Facts
Mile Auto, Sun Coast, and State Farm are the cheapest car insurance companies for Jackson residents.
Tennessee is an at-fault state, meaning the driver who caused the accident is liable for damages.
Insurers in Tennessee can use your credit history when determining your premiums.
Cheapest car insurance companies in Jackson
You may be able to find cheaper car insurance policies in Jackson than the quotes above, depending on your specific driver profile and the insurer you choose to work with. See below for the insurance companies currently offering the lowest car insurance rates in Jackson, Tennessee.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| State Farm | 9.3 | $77 | $35 | Affordability |
| GEICO | 9.2 | $100 | $46 | Young drivers |
| USAA | 9.1 | $91 | $41 | Military members, veterans, and their families |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | $36/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. | $78/mo |
4.0
Best choice in Jackson, TNBased on 18,351 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
Showing 32 Tennessee reviews for Jackson driversSee all 7,594 State Farm reviews
Verified Review
Reviewed in Tennessee on May 31, 2026
I'm sick of the constant increases! My insurance goes up every renewal, with no accidents, no claims, and no tickets. It's frustrating. I've been with SF for over 7 years, and I'm looking for something better. I'm tired of being a good driver and being rewarded with higher premiums. It's ridiculous.
Verified Review
Reviewed in Tennessee on May 31, 2026
Need to reduce rates for lower mileage driven.
Verified Review
Reviewed in Tennessee on May 6, 2026
I have had State Farm for about 30 years. This past January, we had an ice storm where trees fell on the house and on three vehicles. They would not cover anything on the claim I filed. I would not recommend them to anybody.
…
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
If you’re looking for cheap liability-only car insurance coverage in Jackson, Tennessee, State Farm is likely your best choice. The company’s premiums are much cheaper than the city’s average liability policy and the lowest of all 25 insurance companies Insurify analyzed.
It’s also a quality insurance company, earning an AM Best financial strength rating of A++ (Superior) and ranking in the top 10 in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Many premium discounts available
Highly rated mobile app
Cons
Doesn’t offer as many discounts as some other insurers
Gap insurance not available (offers Payoff Protector instead)
Best insurer for young drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $46/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. | $103/mo |
4.0
Best choice in Jackson, TNBased on 18,432 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Jackson for
Showing 13 Tennessee reviews for Jackson driversSee all 7,773 GEICO reviews
Verified Purchase
Reviewed in Tennessee on April 21, 2026
So far, I am feeling great having GEICO. The auto insurance is very affordable, and they have a lot of options for customers.
Verified Review
Reviewed in Tennessee on April 21, 2026
Don't use Geico. They charged me more when I moved to Illinois, then charged me even more when I moved to South Carolina, and charged me more again when I moved back to Tennessee. What's wrong with that picture?
Verified Review
Reviewed in Tennessee on March 21, 2026
In the over 20 years with Geico, I only had one claim. I got hit in the rear, the driver had no insurance, and GEICO paid 100% of the repair needed. No hassle, just courteous, fast service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
One-quarter, or 25%, of Jackson’s population is younger than age 18. These and other younger drivers will likely want a full-coverage policy to protect against accidents and injuries. GEICO offers the second-lowest full-coverage premiums in the city, along with a wide variety of discounts to help drivers save even more. Its premiums are barely a third of the state’s full-coverage average.
GEICO earned an AM Best financial strength rating of A++ (Superior) and scored 830 out of 1,000 points in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Many premium discounts available
24/7 customer service
Cons
Limited agent network
Gap insurance and rideshare insurance not available
Best insurer for military members, veterans, and their families: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | $42/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. | $93/mo |
4.9
Best choice in Jackson, TNBased on 3,692 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 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
Showing 11 Tennessee reviews for Jackson driversSee all 1,585 USAA reviews
Verified Review
Reviewed in Tennessee on April 23, 2026
USAA has been absolutely amazing when it comes to auto insurance!
Verified Review
Reviewed in Tennessee on March 23, 2026
They are very hard to get a hold of on the phone. I asked for a copy of my insurance and cards last month, and I have yet to receive them.
Verified Review
Reviewed in Tennessee on March 20, 2026
USAA is not flexible on insurance rates. I've been a member for 16 years and paying $2,000 per year for insurance. I've never had a claim and never received a ticket or infraction. I asked for a better rate and was told nothing was available. Now I'm looking to change companies due to high costs and low-value customer appreciation.
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
About 4% of Jackson’s population are veterans. For these drivers, USAA is the best choice for cheap car insurance. The insurer offers low rates on both liability-only and full-coverage policies and is available only to veterans, active-duty military members, and their family members.
The company earned an AM Best financial strength rating of A++ (Superior) and scored 871 out of 1,000 points in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Many USAA member perks and premium discounts
Specialty options, like rideshare and classic car coverage
Cons
Only available to military and their family members
No 24/7 customer service
Find Cheap Car Insurance in Jackson, Tennessee
Rates start at $36 for liability coverage
Excellent
4.7 out of 5 based on 14,695 reviews
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How to get the cheapest car insurance in Jackson
Many factors influence the rate you’ll get on car insurance in Jackson, including your driving record, the type of car you drive, how often you use it, your location and ZIP code, your age, and even your credit score.[2]
If you’re looking to get the cheapest car insurance, you should consider the following:
Apply for discounts. Insurers usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance. Many insurance companies offer discounts if you bundle your car insurance with homeowners, renters, or life insurance.
Select a higher deductible. A higher deductible means a lower premium. Make sure you can afford to pay it if you need to file a claim.
Maintain a clean driving record. Drivers with clean driving records pay the cheapest premiums. Drive responsibly and avoid traffic violations.
Shop around. Compare quotes from at least three insurance companies before buying a policy. Insurers weigh factors differently. You may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Jackson: Mile Auto
Liability-only car insurance covers you if you cause an accident that injures another person or damages their property. It pays for things like the injured party’s medical bills, lost wages, car repairs, damage to mailboxes or fences, and more, but it won’t cover any of your own expenses.
The cheapest insurer for liability-only car insurance in Jackson is Mile Auto, with an average premium of $36 per month. The table below outlines the cheapest liability-only policies for drivers in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $36 |
| State Farm | $36 |
| Sun Coast | $36 |
| Progressive | $39 |
| Certainly | $40 |
| Direct Auto | $41 |
| USAA | $42 |
| GEICO | $46 |
| AssuranceAmerica | $47 |
| Freedom National | $47 |
| Auto-Owners | $48 |
| Travelers | $48 |
| The General | $51 |
| Trexis | $52 |
| Erie | $53 |
| Safeco | $58 |
| Trexis One | $59 |
| GAINSCO | $60 |
| Dairyland | $62 |
| Mendota | $63 |
| National General | $64 |
| Allstate | $66 |
| First Acceptance | $66 |
| Farmers | $71 |
| Liberty Mutual | $74 |
| Bristol West | $76 |
| Root | $76 |
| Elephant | $79 |
| Nationwide | $88 |
| Chubb | $102 |
| State Auto | $136 |
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: Mile Auto
Full-coverage car insurance is more exhaustive than liability-only. It includes comprehensive and collision insurance, which protect you and anyone else who suffers if you’re at fault in an accident, as well as your vehicle.
Your lender may require full coverage. You also may want it for newer vehicles, as these depreciate quickly.
The cheapest insurer for full-coverage car insurance in Jackson is Mile Auto, with an average cost of $69 per month. Here’s a look at the cheapest full-coverage car insurance rates in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $69 |
| Sun Coast | $71 |
| Progressive | $77 |
| State Farm | $78 |
| Direct Auto | $93 |
| USAA | $93 |
| GEICO | $103 |
| Auto-Owners | $107 |
| National General | $107 |
| Safeco | $107 |
| Travelers | $107 |
| AssuranceAmerica | $112 |
| Erie | $116 |
| Certainly | $117 |
| Trexis | $125 |
| Elephant | $127 |
| Root | $132 |
| Allstate | $144 |
| Trexis One | $145 |
| Liberty Mutual | $146 |
| The General | $149 |
| GAINSCO | $152 |
| Mendota | $153 |
| Farmers | $156 |
| Freedom National | $163 |
| Bristol West | $168 |
| First Acceptance | $175 |
| Dairyland | $187 |
| Nationwide | $192 |
| Chubb | $225 |
| State Auto | $298 |
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.
Recent Insurify quotes for Jackson, Tennessee drivers
Recent Jackson, Tennessee car insurance prices for Honda, Subaru, Jeep, and more.
*Quotes generated for Insurify users in and around Jackson, Tennessee within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Tennessee requires all drivers to be able to show proof of financial responsibility. Typically, the easiest way to do so is by purchasing liability car insurance. See the table below for the minimum car insurance coverage required by law in Tennessee:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
You may also want to add the following optional coverages to better protect yourself and your vehicle:
Comprehensive coverage
Comprehensive insurance covers damage to your car by theft, vandalism, fire, hail, flooding, and other scenarios out of your control.
Collision coverage
Collision coverage pays for damage to your vehicle in an accident with another car, in a rollover, or by potholes.
Uninsured/underinsured motorist coverage
If you get into an accident with an uninsured driver or one who doesn’t have enough insurance to cover the damages, uninsured/underinsured motorist coverage pays the difference.
Personal injury protection (PIP) coverage
PIP coverage extends to your passengers and can cover their medical bills, lost income, and other costs if they’re hurt in your car.
Gap coverage
If you have a car loan, gap insurance can pay for the difference between your loan balance and your insurance settlement after your vehicle is deemed a total loss.
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Cheapest car insurance for drivers with an incident
Having an incident on your driving record can increase your car insurance premiums, as it indicates you’re more likely to file a claim (and cost your insurer money). Incidents include speeding tickets, driving under the influence (DUI), and other at-fault accidents and moving violations.
Having one of these incidents while insured can also increase your premiums at renewal time or make it harder to get renewed altogether. However, you can typically still find affordable rates with the right insurance company if you take the time to shop around and compare quotes.
Shop for Car Insurance in Jackson, TN
Rates start at $43 for drivers with an incident
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4.7 out of 5 based on 14,695 reviews
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding tickets can often increase your insurance rates, as it increases your chance of an accident and, therefore, filing a claim. The exact amount your premium increases varies by its severity and how many you already have on your driving record.
The cheapest insurer for drivers with a speeding ticket in Jackson is Mile Auto, with an average cost of $45 per month. See below for a breakdown of the cheapest insurance for Jackson drivers with speeding tickets.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Mile Auto | $36 | $45 |
| State Farm | $36 | $47 |
| Sun Coast | $36 | $48 |
| Progressive | $39 | $52 |
| Direct Auto | $41 | $53 |
| Certainly | $40 | $53 |
| USAA | $42 | $56 |
| AssuranceAmerica | $47 | $62 |
| GEICO | $46 | $62 |
| Freedom National | $47 | $63 |
| Travelers | $48 | $64 |
| Auto-Owners | $48 | $64 |
| Trexis | $52 | $69 |
| The General | $51 | $70 |
| Erie | $53 | $72 |
| GAINSCO | $60 | $74 |
| Safeco | $58 | $78 |
| Trexis One | $59 | $79 |
| Dairyland | $62 | $80 |
| National General | $64 | $82 |
| Mendota | $63 | $84 |
| First Acceptance | $66 | $88 |
| Allstate | $66 | $88 |
| Root | $76 | $94 |
| Farmers | $71 | $94 |
| Liberty Mutual | $74 | $97 |
| Elephant | $79 | $98 |
| Bristol West | $76 | $99 |
| Nationwide | $88 | $118 |
| Chubb | $102 | $134 |
| State Auto | $136 | $186 |
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: Mile Auto
If you’re at fault in an accident, you can usually expect higher premiums than drivers without an accident on their record. The exact amount an accident will affect your premiums depends on the severity of the accident, the cost of the claim, your driving record, and other factors.
The cheapest insurer for drivers with an at-fault accident in Jackson is Mile Auto, with an average cost of $50 per month. See below for a breakdown of the cheapest insurance for drivers with at-fault accidents in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $36 | $49 |
| Mile Auto | $36 | $50 |
| Sun Coast | $36 | $51 |
| Progressive | $39 | $55 |
| Certainly | $40 | $57 |
| Direct Auto | $41 | $58 |
| USAA | $42 | $58 |
| GEICO | $46 | $63 |
| AssuranceAmerica | $47 | $65 |
| Auto-Owners | $48 | $66 |
| Freedom National | $47 | $66 |
| Travelers | $48 | $67 |
| The General | $51 | $73 |
| Erie | $53 | $73 |
| Trexis | $52 | $74 |
| GAINSCO | $60 | $80 |
| Safeco | $58 | $83 |
| Trexis One | $59 | $83 |
| Dairyland | $62 | $85 |
| National General | $64 | $88 |
| Mendota | $63 | $89 |
| Allstate | $66 | $92 |
| First Acceptance | $66 | $93 |
| Farmers | $71 | $98 |
| Root | $76 | $99 |
| Liberty Mutual | $74 | $102 |
| Bristol West | $76 | $104 |
| Elephant | $79 | $107 |
| Nationwide | $88 | $123 |
| Chubb | $102 | $141 |
| State Auto | $136 | $192 |
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
A DUI (driving under the influence) or DWI (driving while intoxicated) violation will almost always lead to higher premiums, though how much higher depends on how long it’s been since the DUI, your driving record, your age, and more.
You’ll likely lose your license for a time and have to pay expensive fines. You could even face jail time, depending on the severity of the violation. Some car insurance companies may not cover you at all due to the higher risk of accidents and claims you present. You may also need to file an SR-22 certificate with your state to prove you have adequate insurance.
The cheapest insurer for drivers with a DUI in Jackson is Mile Auto, with an average cost of $53 per month. See below for a breakdown of the cheapest insurance for drivers with DUIs in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Mile Auto | $36 | $53 |
| State Farm | $36 | $53 |
| Sun Coast | $36 | $54 |
| Progressive | $39 | $59 |
| Certainly | $40 | $60 |
| Direct Auto | $41 | $60 |
| USAA | $42 | $62 |
| GEICO | $46 | $67 |
| Auto-Owners | $48 | $67 |
| AssuranceAmerica | $47 | $69 |
| Freedom National | $47 | $71 |
| Travelers | $48 | $71 |
| The General | $51 | $73 |
| Trexis | $52 | $78 |
| Erie | $53 | $78 |
| GAINSCO | $60 | $88 |
| Trexis One | $59 | $89 |
| Safeco | $58 | $90 |
| Dairyland | $62 | $91 |
| National General | $64 | $94 |
| Mendota | $63 | $95 |
| Allstate | $66 | $97 |
| First Acceptance | $66 | $99 |
| Farmers | $71 | $104 |
| Liberty Mutual | $74 | $109 |
| Bristol West | $76 | $112 |
| Root | $76 | $112 |
| Elephant | $79 | $116 |
| Nationwide | $88 | $129 |
| Chubb | $102 | $150 |
| State Auto | $136 | $192 |
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: Mile Auto
Car insurance can often be higher for older drivers, as insurers see them as high risk. Insurance rates tend to decrease around age 35 but increase again at age 70.
The cheapest insurer for senior drivers in Jackson is Mile Auto, with an average cost of $29 per month. See below for a breakdown of the cheapest insurance for senior drivers in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $29 | $62 |
| Mile Auto | $29 | $55 |
| Sun Coast | $32 | $63 |
| Direct Auto | $34 | $77 |
| USAA | $35 | $76 |
| Progressive | $35 | $68 |
| Certainly | $36 | $104 |
| GEICO | $37 | $83 |
| AssuranceAmerica | $37 | $89 |
| Auto-Owners | $38 | $86 |
| Travelers | $39 | $87 |
| Erie | $41 | $90 |
| Freedom National | $42 | $145 |
| The General | $44 | $129 |
| Trexis | $46 | $111 |
| National General | $51 | $85 |
| Safeco | $51 | $95 |
| GAINSCO | $52 | $132 |
| Trexis One | $52 | $129 |
| Dairyland | $53 | $161 |
| Allstate | $54 | $119 |
| Mendota | $56 | $136 |
| Farmers | $57 | $126 |
| First Acceptance | $59 | $156 |
| Liberty Mutual | $62 | $123 |
| Bristol West | $64 | $142 |
| Elephant | $66 | $105 |
| Nationwide | $68 | $149 |
| Root | $71 | $123 |
| Chubb | $78 | $173 |
| State Auto | $104 | $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 teens: Mile Auto
Car insurance premiums tend to skew much higher for teen drivers than adults, largely due to their inexperience on the road and increased risk for accidents. Teens ages 16 to 19 are most at risk of a crash, according to the Centers for Disease Control and Prevention (CDC). Boys are particularly at risk, and in 2020, the motor vehicle crash fatality rate for boys in this age group was three times that of girls.[4]
Teens have plenty of ways to get a lower premium, though. Teens can get on their parents’ policies, choose safe vehicles, opt for higher deductibles, take advantage of good student discounts, and shop around for their policy.
The cheapest insurer for teen drivers in Jackson is Mile Auto, with an average cost of $77 per month. See below for a breakdown of the cheapest insurance for teen drivers in Jackson.
The below rates in Jackson, TN, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Sun Coast | $71 | $141 |
| State Farm | $73 | $158 |
| Mile Auto | $77 | $148 |
| Progressive | $77 | $153 |
| Certainly | $79 | $232 |
| USAA | $81 | $180 |
| Direct Auto | $83 | $189 |
| GEICO | $87 | $195 |
| Freedom National | $93 | $323 |
| The General | $96 | $281 |
| AssuranceAmerica | $101 | $241 |
| Auto-Owners | $102 | $227 |
| Erie | $102 | $223 |
| Trexis | $103 | $248 |
| Travelers | $104 | $232 |
| GAINSCO | $112 | $283 |
| Dairyland | $113 | $341 |
| Trexis One | $117 | $288 |
| Root | $121 | $210 |
| Safeco | $123 | $226 |
| Mendota | $125 | $304 |
| First Acceptance | $131 | $347 |
| National General | $133 | $223 |
| Liberty Mutual | $136 | $268 |
| Allstate | $136 | $297 |
| Bristol West | $141 | $312 |
| Elephant | $148 | $238 |
| Farmers | $148 | $325 |
| Nationwide | $179 | $391 |
| Chubb | $218 | $482 |
| State Auto | $342 | $748 |
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
Though some states have banned the use of credit scores in insurance pricing, Tennessee allows it (though an insurer can’t outright deny a customer based on credit score alone).[5] Generally speaking, drivers with good credit scores pay lower premiums than drivers with bad credit scores.
See below for the average monthly premium per credit score tier in Jackson.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $126 |
| Good | $149 |
| Fair | $164 |
| Poor | $254 |
Is car insurance more expensive in Jackson?
Jackson drivers pay an average of $98 per month for car insurance, slightly less than the national average. It’s one of the more expensive cities in Tennessee, however.
Car insurance premiums can vary quite a bit by location. This comes down to factors like auto theft rates and accidents in the area, parking and traffic, car repairs and medical care costs, weather trends, and more.
More cities in Tennessee
Car insurance premiums vary widely across Tennessee. Here’s the average monthly car insurance Tennessee drivers pay in different cities.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Chattanooga | $59 | $137 |
| Clarksville | $64 | $144 |
| Cleveland | $57 | $124 |
| Franklin | $56 | $132 |
| Kingsport | $50 | $109 |
| Knoxville | $60 | $127 |
| Memphis | $89 | $197 |
| Nashville | $72 | $157 |
Disclaimer: Table data is based on real-time Jackson quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Jackson car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Jackson.
How much is car insurance in Jackson, Tennessee?
On average, car insurance in Jackson costs $137 per month for full coverage and $59 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, gender, and credit score.
Which company has the cheapest car insurance in Jackson?
Mile Auto offers the cheapest car insurance rates in Jackson, starting at $36 for liability-only coverage. Jackson drivers can also find cheap rates from Sun Coast and State Farm, which have liability rates as low as $36 and $36, respectively.
What are the best car insurance companies in Jackson?
Many reliable insurers offer coverage in Jackson, but State Farm, Mile Auto, and USAA stand out as the best car insurance companies. State Farm and GEICO both have IQ Scores above 4 (out of 5) and strong ratings from AM Best and J.D. Power. USAA is the best option in Jackson for military, veterans, and their families, offering reliable, affordable insurance.
How much is car insurance in Tennessee per month?
Car insurance in Tennessee costs an average of $96 per month for car insurance. Drivers can expect to pay $60 for liability coverage and $132 for full coverage.
What is the bare-minimum car insurance in Tennessee?
All Tennessee drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage.
Sources
- Tennessee Department of Safety & Homeland Security. "Tennessee Traffic Crashes by Year, Type and County 2010 - 2020."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- JUSTIA US Law. "2021 Tennessee Code Title 56 - Insurance Chapter 5 - Rates and Rating Organizations Part 2 - Restrictions on Use of Credit Scores § 56-5-202. Restrictions on Use of Credit Scores."
Methodology
Insurify data scientists analyzed more than 190 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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