Best Cheap Car Insurance Companies in Jackson, Miss.
USAA, Geico, Progressive, National General and State Farm are our recommended options for affordable car insurance in Jackson. These insurers not only provide coverage at rates lower than the usual minimum- and full-coverage averages for the city, but they also have excellent customer service records and offer reliable insurance coverage.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Jackson, Miss.?
Our data shows that minimum-coverage insurance in Jackson costs $46 per month or $557 per year on average. This is about 11% less than the national average of $52 per month or $625 per year. Similarly, full-coverage car insurance costs $152 per month or $1,829 per year on average, which is about 9% less expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Jackson
USAA offers the cheapest liability insurance with average rates of $28 per month or $335 per year. Geico is the second-cheapest option in Jackson with average rates of $30 per month or $362 per year.
Liability coverage is the minimum coverage required by the state of Mississippi. According to Mississippi law, all drivers must either meet or exceed the following minimum requirements:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
Cheapest Full-Coverage Car Insurance in Jackson, Miss.
A full-coverage car insurance policy can be pricey in Jackson. Full coverage includes liability plus comprehensive insurance and collision insurance, which protect against damage to your vehicle in a variety of situations. USAA is the cheapest full-coverage option with average rates of $108 per month or $1,294 per year.
Jackson Car Insurance Quotes by Driver Profile
Auto insurance companies will use different parts of a Jackson driver’s profile to set their rates — from their claims history, to their ZIP code to their age. The most affordable insurance provider for one type of driver may not be the cheapest for you. This section will look at the average auto insurance expenses for different driving profiles in Jackson.
Jackson Car Insurance Cost by Age
Car insurance coverage is most expensive for teenagers because they’re more likely to engage in reckless driving or cause auto accidents. Our data shows 16-year-olds pay about $216 per month or $2,596 per year for car insurance in Jackson.
As drivers move into their 20s and later years, the cost of car insurance gets lower and lower, until they begin moving into middle age. Check out the average rates of minimum-coverage car insurance for Jackson across different age ranges given below.
Cheapest Car Insurance in Jackson, Miss.: Teen Drivers
Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $138 per month or $1655 per year. USAA, Nationwide and State Farm also offer affordable car insurance premiums for Jackson teens.
Jackson Car Insurance Cost by Credit Score
In Mississippi and most other states, auto insurers can use your credit history to set your premium. You may have to pay premium costs that are higher than average if you don’t have the best credit score, but with a good credit history and a clean driving record, you could end up paying less than average.
Cheapest Car Insurance in Jackson, Miss.: Poor Credit
Our rate data shows National General is the cheapest option for car insurance for bad credit in Jackson. The company offers minimum-coverage policies to Jackson motorists with poor credit for rates of $34 per month or $409 per year. This is 10% less than the overall state average for minimum coverage for good credit.
Jackson Car Insurance Cost by Driving Record
Your insurance rates will likely spike if you get any speeding tickets, DUI convictions — or just get into a car collision. On average, speeding can increase your rates by 54%, an at-fault accident by 96% and a DUI by 127%.
How high your rates rise will vary from company to company. Based on our research, if there are any driving violations on your record, Progressive has the cheapest average costs. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers.
Cheapest Car Insurance in Jackson, Miss.: Speeding Ticket
According to our data, USAA offers the cheapest rates to drivers who have a speeding ticket on their records — $36 per month or $438 per year. Progressive follows close behind with an average monthly rate of $39, while Geico, State Farm and Nationwide round out the top five options for cheap speeding ticket car insurance in Jackson.
Cheapest Car Insurance in Jackson, Miss.: At-Fault Accident
If you have a record of being responsible for car accidents, you’ll probably pay more than you would with just speeding tickets. USAA and State Farm are the cheapest options here with average rates of about $44 per month and $49 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.
Cheapest Car Insurance in Jackson, Miss.: DUI
Driving under the influence is a huge driving violation that will always cause a large increase in your Jackson auto insurance rates — by hundreds of dollars per year. The good news is that State Farm is very cheap compared to other companies — it offers average rates of $42 per month or $508 per year for drivers with a DUI. Progressive, USAA and National General are also good options with rates under $69 per month on average.
Jackson Car Insurance Cost by ZIP Code
The amounts of people, traffic, accidents and car thefts are different among various sections of the city, and this impacts the car insurance rates you need to pay. Below, you can see how certain ZIP codes in Jackson can be up to 1% cheaper or 1% more expensive than the city average.
Cheap Car Insurance in Jackson, Miss.: Conclusion
Auto coverage in Jackson is more expensive than Mississippi’s overall average by 22% and less expensive than the national average by 11%. USAA provides the lowest cost for both minimum coverage in the city, at around $28 monthly. The same company also offers the cheapest full-coverage averages in Jackson, at $108 monthly.
Compare free quotes to find the company that meets your Mississippi car insurance needs at the best rate. You can get quotes online or from insurance agents.
Cheapest Auto Insurance in Jackson, Miss.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Jackson:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.