Jackson, MS, Car Insurance

In Jackson, the average full coverage car insurance costs $99 per month. Rates range from a low of $90 to a high of $356, depending on various factors. To help drivers better understand potential costs, the table below includes the average car insurance costs for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Jackson, the average cost for full coverage car insurance is $1,184 per year, while minimum coverage costs $546 annually. These rates are higher than Mississippi's averages, where full coverage is $1,157, and minimum coverage is $501. Understanding these differences can guide budgeting for car insurance.

Even with rising premiums, you can still find affordable car insurance in Jackson. Direct General Insurance offers the cheapest minimum coverage at just $27 per month. For those seeking full coverage, their rate is also the best at $62 monthly.

Direct General Insurance often offers the cheapest rates, but costs vary by driver. To find the most affordable car insurance, get quotes from different providers. Below is a table showing the cheapest rates for various driver profiles.

Car insurance costs vary, so compare Jackson rates to find affordable options. Below, we detail the cheapest state minimum and full coverage plans.

Direct General Insurance offers the cheapest minimum coverage auto insurance at $27 per month. Mississippi Farm Bureau follows at $34 monthly. See the breakdown of the cheapest options in the table below.

Direct General Insurance offers the cheapest full coverage car insurance in Jackson at $62 per month. Below is a list of other providers and their rates.

For affordable car insurance in Jackson, get quotes from several local companies. Direct General Insurance offers the cheapest plan at $535 annually. State Farm, scoring 73, is the best-rated affordable provider. Check the table below for more options.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,184 per year for 40-year-olds and $1,074 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Progressive offers the cheapest overall car insurance for teens in Jackson, with full coverage at $64 per month, saving $130 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Direct General Insurance offers the lowest minimum coverage rate for young drivers in Jackson at $36 per month. For full coverage, they also provide the cheapest rate at $79 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Direct General Insurance offers the most affordable auto insurance for young drivers at $57 per month. Other companies with competitive rates are listed in the table below.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Direct General Insurance and Mississippi Farm Bureau offer the cheapest car insurance rates in the city, but prices vary based on many factors. The table below shows the most affordable providers for different driver profiles and coverage needs that might suit you.

Direct General Insurance offers the cheapest monthly premium for seniors at $42 for both minimum and full coverage. Mississippi Farm Bureau follows closely with rates at $49 per month. The table below shows more top car insurance providers for seniors in Jackson.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Jackson, high-risk driver profiles show lower rates for both minimum and full coverage compared to the state average. While Jackson residents pay $864 for minimum coverage and $1,872 for full coverage, the state averages are $1,998 and $3,982 respectively. Those with bad credit and DUIs pay the most for car insurance, whereas accidents and speeding tickets have a smaller impact.

State Farm offers the cheapest minimum coverage for drivers with a DUI at $452 per year in Jackson. For full coverage, Direct General Insurance is the most affordable at $1,523 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

State Farm, Mississippi Farm Bureau and Direct General Insurance offer the most affordable rates for drivers with an at-fault accident in Jackson. Finding the cheapest auto insurance after an at-fault accident can save you money. The table below shows different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $38 and full coverage at $90 monthly. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Direct General Insurance offers the most affordable rates for drivers with bad credit in Jackson, with monthly rates of $35 for minimum coverage and $81 for full coverage. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Mississippi, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

With these minimums, if you're in an accident, your insurance will cover up to $25,000 for one person's injuries and $50,000 total for everyone involved. This ensures you're protected financially if you're found at fault.

Direct General Insurance shines as Jackson's cheapest car insurance for both minimum and full coverage. No matter your age or credit, you'll find providers with competitive rates to suit your wallet. Remember, your policy must cover Mississippi's basics: bodily injury and property damage. By comparing options, you secure affordable rates and stay protected under Magnolia State law.

This section provides quick answers to common questions about affordable car insurance options in Jackson. Learn about state minimum coverage and how to find the best rates. Compare different insurers to ensure you get the best deal.

MoneyGeek conducted an analysis of Jackson auto insurance prices using data from the Mississippi Department of Insurance and Financial Services and Quadrant Information Services.

Jackson Driver Profile

To assess the best and most affordable auto insurance options for Jackson residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Jackson

In assessing the car insurance quotes for Jackson, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Mississippi's mandated liability insurance parameters:

The minimum coverage requirements in Mississippi are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Jackson providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Jackson
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Jackson.

For more details on how we conduct our analyses, refer to MoneyGeek's methodology.