Cheapest and Best Car Insurance Companies in Jackson, MS

Your driving profile and needs may dictate the cheapest company for you. Direct General Insurance provides the cheapest minimum and full coverage policies in Jackson, Mississippi, while Shelter has the best service. Mississippi Farm Bureau is the cheapest with a speeding ticket, whereas State Farm has affordable quotes with either an accident or DUI. Progressive is the cheapest for teens and ranked best overall. Military personnel may snag an affordable deal with USAA.

Jackson drivers can get the average cheapest minimum coverage policy with the following providers:

• Direct General Insurance: $294 per year
• Progressive: $304 per year

Shelter offers the most expensive average premium at $710 per year. Our research found that as of October 2022, Direct General Insurance has the cheapest car insurance in Mississippi, costing approximately $275 per year — the same lowest-priced company in Jackson, although the city’s average cost is slightly higher.

Minimum liability coverage in Mississippi must include bodily injury and property damage with the below limits:

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

With a liability-only policy, drivers found at fault in an accident are only covered for damages to the other driver and passengers. With a minimum coverage policy, your insurance company pays for medical costs up to $25,000 per person, with a maximum of $50,000 per incident, regardless of the number of affected individuals. So, expect that beyond these limits, you will pay out of pocket the remaining costs.

The following companies provide the, on average, least expensive full coverage policy in Jackson:

• Direct General Insurance: $663 per year
• Progressive: $786 per year

Costing roughly $1,430 per year, Shelter is the priciest insurer in the city as of October 2022. The cheapest full coverage auto insurance provider in Mississippi is Mississippi Farm Bureau, with an average cost of $682 per year, around $19 more than Jackson quotes. Your location can affect the cost of auto insurance costs.

Opting for full coverage, which includes liability, comprehensive and collision insurance, gives you added protection.

• Collision Insurance: This covers damage to your car from at-fault accidents that involve other vehicles or objects.
• Comprehensive Insurance: This pays for the cost of damage to your car from non-collision events like fire, vandalism, animal damage or severe weather conditions.

Full coverage can be greatly beneficial for drivers who want to protect their vehicles. But the extra cost might not be necessary for those with older vehicles that have a low value.

On average, the least expensive auto insurance companies in Jackson with a driving violation are:

• Speeding ticket: Mississippi Farm Bureau ($910 per year)
• At-fault accident: State Farm ($1,104 per year)
• DUI: State Farm ($979 per year)

Drivers may find the average priciest quote with GEICO after a DUI ($3,737 per year). Shelter has the highest price following an at-fault accident (around $3,100 per year) or if a driver is caught speeding (roughly $1,742 per year). Driving history is a significant factor when insurers calculate an auto insurance premium. Those with poor driving records usually face higher insurance rates, with even the cheapest quotes being higher than for drivers with a clean record.

After a driving violation, expect your rate to noticeably increase. Drivers in Jackson with a clean record pay roughly $962 per year for auto insurance. That is around $1,003 less than what a driver may pay after a DUI and roughly $727 cheaper than the rate for those with an at-fault accident on their record. However, this doesn’t mean that it’s impossible to get affordable quotes. Drivers may still be able to find cheap car insurance, even with a bad driving record.

Sixteen-year-old drivers on a family policy may find the average most affordable premium with the following carriers:

• Progressive: $752 per year for female teens; $752 for male teens
• Nationwide: $1,892 per year for female teens; $2,052 for male teens

GEICO charges the most expensive annual rate, costing around $5,271 for female teens and $5,084 for male teens. Rates can sometimes fluctuate between male and female teenagers. That is because male teens may be considered more high risk and are, therefore, more likely to file a claim. However, the higher rate isn’t permanent and often decreases to be around the same as women in early adulthood.

Including a teen driver on a family auto insurance policy is significantly cheaper than if they bought their own. It costs roughly $2,644 per year in Jackson for a family policy with a male teen. But the rate for a 16-year-old boy is around $2,801 more expensive if they purchase their own policy. It’s essential to compare providers to determine the cheapest car insurance for teens. Doing so can help you save on your bill.

Military personnel on the lookout for affordable auto insurance should consider the following companies:

• USAA: $595 per year
• Direct General Insurance: $663 per year

These average rates reflect a full coverage policy. If you prefer Mississippi’s minimum coverage, there are cheap car insurance options for those with a military background. A minimum coverage policy costs around $251 per year with USAA and roughly $294 per year with Direct General Insurance.

The process of gathering auto insurance estimates online in Jackson, Mississippi, can be time-consuming, especially when you need to provide personal information on different websites. We found that it can take up to 15 minutes or more to get just one quote. MoneyGeek's car insurance calculator streamlines this process and immediately shows estimated rates based on your car's make and model, driving history, age and preferred coverage level — saving you time and effort.

The best auto insurance provider for you heavily depends on how you value cost, service quality, coverage options and other factors. We found the best companies in Jackson are the following:

• Best overall: Progressive (MoneyGeek score of 69 out of 100)
• Best for service: Shelter (MoneyGeek score of 68 out of 100)
• Best cheap: Progressive (MoneyGeek score of 77 out of 100)

Note that weightings were adjusted based on the category. We also found that State Farm has the best car insurance in Mississippi. If you have a military background, USAA is an excellent option since it earned a MoneyGeek score of 85 out of 100.

For this category, we highlighted affordability and customer satisfaction scores to find the top auto insurance companies in Jackson, which are:

• Progressive: MoneyGeek score of 69 out of 100 ($786 per year)
• State Farm: MoneyGeek score of 67 out of 100 ($895 per year)

Out of nine providers, Progressive stood out as the winner. The company ranked second in affordability and received good scores for available coverages and customer satisfaction. A company that provides quality service alongside affordability means you get your needs fulfilled without paying a high price. With a MoneyGeek score of 85 out of 100, USAA is a great fit for those with a military background.

We excluded the cost of an auto policy to select the best companies in Jackson for customer service. Our picks are:

• Shelter: MoneyGeek score of 68 out of 100 ($1,430 per year)
• Travelers: MoneyGeek score of 60 out of 100 ($983 per year)

Out of nine insurance companies, Shelter ranked second highest in satisfaction and has several coverages available to consumers. One downside is that Shelter provides the most expensive rate, so you’re paying a bit more for great service.

We followed Mississippi requirements when we chose the best and cheapest companies for a minimum coverage policy in Jackson. The top companies balancing service and affordability are:

• Progressive: MoneyGeek score of 77 out of 100 ($304 per year)
• State Farm: MoneyGeek score of 69 out of 100 ($385 per year)

The cheapest car insurance policy in Jackson is minimum coverage, but it does not provide coverage for damages to your vehicle in an at-fault accident. Also, despite the cheaper rate, this liability-only policy provides limited protection against damages to others that are your fault.

The average annual full coverage car insurance premium in Jackson is $962, which is around $21 more than the average cost of full coverage auto insurance in Mississippi. When compared to the national average rate of $1,265 per year as of October 2022, Jackson drivers pay roughly $324 less.

The listed rates are for a full coverage policy with $100,000 in bodily injury liability for each person and $300,000 in bodily injury liability for each accident, plus $100,000 in property damage liability for each accident.