Cheapest Auto Insurance in Jackson, Mississippi (2026)

State Farm offers the cheapest car insurance in Jackson, with minimum-coverage policies as low as $47 per month.

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Cheapest recent rates near Jackson, Mississippi

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $77/mo for full coverage in Jackson and other Mississippi cities.

*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica MartelInsurance Writer
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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David Marlett
Reviewed byDavid Marlett
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

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Jackson drivers pay $121 per month for car insurance coverage, which exceeds the state average of $101 but is lower than the overall national average of $136. In addition to State Farm, the cheapest auto insurers in the city include USAA and National General.

The most populated city in Mississippi, Jackson is the capital of the state. More people condensed in one area often leads to more traffic and opportunities for car accidents, which can explain why average auto rates in Jackson cost more than the state average. To find the cheapest insurance for your needs, you should compare quotes from multiple insurance companies.

Here’s what you need to know about finding cheap auto coverage in Jackson.

Quick Facts
  • Jackson drivers pay $81 per month for liability coverage and $161 for full-coverage insurance, on average.

  • Auto insurers in Mississippi can consider your credit history when determining premiums.

  • Mississippi is an at-fault state, which means the driver responsible for an accident must cover the costs of the other driver’s damages and injury.

Cheapest car insurance companies in Jackson

Insurance companies use different methodologies when determining rates, which results in varying costs. This is why it’s so important to compare information from multiple insurance companies before making a decision. The company that works best for you will depend on your specific financial situation and insurance needs.

Here are a few of the top insurers selling coverage in Jackson. The quotes in the table below reflect average rates in Mississippi.

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for cheap rates: 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.
$47/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.
$97/mo
4.0
Best choiceBased on 16,576 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.23.6
Discounts3.92.9
Policy transparency3.83.1
Value3.72.9
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.

AI-generated from the text of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 21 Mississippi reviews for Jackson driversSee all 7,303 State Farm reviews
Louis
Verified Review
My State Farm Agency
I believe that my current car insurance is, so far, the best.
Sid
Verified Review
Great Claim Service
Great service through my agent!
Glynn
Verified Review
Glynn’s Review
It's okay. I do like the safe driving profile they have.
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

Founded in 1922 in Illinois, State Farm is the largest car insurance company in the U.S. by market share, according to the National Association of Insurance Commissioners (NAIC).[1] State Farm offers customers a variety of insurance types, including auto insurance, business insurance, and home insurance. It has some of the cheapest rates in Jackson.

Pros
  • High rates of customer satisfaction

  • Variety of coverage options

Cons
  • Gap insurance not available

  • Increased rates for drivers with traffic violations

Best insurer for veterans: 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.
$48/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.
$99/mo
4.9
Best choiceBased on 3,322 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.83.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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.

AI-generated from the text of verified reviews collected by Insurify

Best For
Members of the military community
Outstanding customer service
Competitive rates
Showing 4 Mississippi reviews for Jackson driversSee all 1,518 USAA reviews
Malissia
Verified Review
Stay away from USAA
Rates keep increasing.
Lana
Verified Review
Claims process details are good
Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.
Mary
Verified Review
Looking for another insurance company
I've been a loyal customer. No claims, no accidents, no late fees. Yet, my payments keep increasing. It's more than my auto payment. I feel like I'm being overcharged.
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

USAA has been serving military members, veterans, and their families for more than 100 years. The company offers a variety of insurance products, banking services, and retirement solutions. Members can take advantage of several discounts and savings opportunities, including legacy discounts for customers whose parents have USAA auto insurance policies.

Pros
  • Savings of up to 30% possible via Safe Pilot safe driving program

  • Low premiums

Cons
  • Not available to non-military members

  • No 24/7 customer phone support

Best insurer for discounts: Allstate

User Reviews
3.8
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.
8.9 /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.
$77/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.
$157/mo
3.8
A solid optionBased on 9,936 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.83.2
Customer service3.83.6
Discounts3.82.9
Policy transparency3.63.1
Value3.32.9
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For
Accident forgiveness
Wide availability
Cheap rates
Showing recent national reviewsSee all 4,345 Allstate reviews
Lewis
Verified Review
Excellent
Saved me money.
Marzena
Verified Review
Prices were going up every 6 months without any reason for both car and home insurance. I just canceled with them. No other experience as they were just taking money, and I didn't have any claims for years.
Prices were going up every 6 months without any reason for both car and home insurance. I just canceled with them. No other experience as they were just taking money, and I didn't have any claims for years.
John
Verified Review
You're in good hands with Allstate
Allstate really helped me out in getting insurance for both my car and house, and helped me save money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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

Launched in 1931 under parent company Sears, Allstate has been insuring Americans for more than 90 years. Today, Allstate offers a variety of insurance products for people to insure vehicles, property, and life. Allstate offers many savings opportunities that help people save on coverage, including multi-vehicle, new-car, smart student, and bundling discounts.

Pros
  • Pay-per-mile option available

  • Better Business Bureau (BBB) rating of A+

Cons
  • Low customer satisfaction

  • Higher average quotes than some insurers

How to get the cheapest car insurance in Jackson

Insurers use your age, driving record, ZIP code, the type of car drive, and more to determine the cost of your car insurance policy.

If you want to find the cheapest car insurance in Jackson, consider the following tips:

  • Compare multiple insurers. Different car insurance companies offer different rates. Comparing multiple insurance companies can help you find the most affordable option.

  • Maintain a good driving record. The better your driving record is, the cheaper your premium is likely to be. If you have multiple violations or an accident on your record, you look riskier to insurance companies, and as a result, you can expect to pay more.

  • Drive a safe vehicle. The type of car you drive factors into the price of insurance. Cars with high-quality safety equipment may qualify for discounts.[2]

Find Cheap Car Insurance in Jackson, Mississippi

Liability rates start at $47 per month

Excellent
4.7 out of 5 based on 13,028 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Jackson: State Farm

Almost every state requires drivers to carry a minimum amount of liability insurance. If you cause an auto accident, bodily injury liability covers the costs associated with any injuries you cause the other driver and their passengers. Property damage liability covers the damage to the other driver’s car or property.

State Farm has the cheapest liability car insurance in Jackson, MS at $49 per month, which is well below the city average of $79 and the Mississippi average of $70. Rates vary substantially by insurer, with monthly prices ranging from $49 to $178.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$47
USAA$48
National General$70
Progressive$72
Bristol West$73
Direct Auto$74
Allstate$77
Nationwide$79
GEICO$80
The General$86
Safeco$92
Travelers$92
Trexis One$93
Mendota$94
First Acceptance$99
Root$102
GAINSCO$104
Shelter$119
Dairyland$155
Liberty Mutual$156
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: State Farm

While liability-only insurance covers the other driver, full-coverage insurance also provides you with protection. A full-coverage policy typically includes liability, collision, and comprehensive coverage. If you have an accident, it will cover the cost of damages to your vehicle, regardless of fault. It also covers damages not caused by a collision.

State Farm offers the cheapest full coverage car insurance in Jackson, MS at $89 per month, which is $60 below the city average of $149 and well under the state average of $133. Rates vary substantially by carrier, ranging from $89 with State Farm to $393 with Dairyland.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$97
USAA$99
National General$127
Safeco$148
Direct Auto$151
Allstate$157
Nationwide$163
GEICO$165
Root$165
Progressive$166
Travelers$188
Bristol West$195
Mendota$223
Shelter$243
Trexis One$255
First Acceptance$257
Liberty Mutual$264
GAINSCO$275
The General$357
Dairyland$390
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, Mississippi drivers

Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $79/mo for full coverage in Jackson and other Mississippi cities.

*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Jackson, Mississippi within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Mississippi

Mississippi law requires all drivers to maintain liability insurance and carry proof of insurance in the vehicle at all times. You can show proof of insurance by using a paper or electronic card, such as on your cell phone.

In Mississippi, you can meet the minimum coverage requirements in several ways, including:

  • Showing proof of liability insurance

  • Posting a bond for the minimum amounts

  • Making a cash or security deposit equal to the minimum requirements

For most people, maintaining the minimum amount of liability insurance is the best way to protect yourself financially if you have an accident. If law enforcement stops you, and you fail to produce your insurance card, you can face a penalty of $1,000 and a driving suspension for one year or until you show proof of insurance.[3]

Mississippi requires the following limits for liability coverage:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Drivers in Mississippi can also choose to purchase additional coverages, including the following:

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for the cost of vehicle repairs following an accident, regardless of fault.

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If someone steals your car, or you face vehicle damage from severe weather, vandalism, or fire, comprehensive insurance kicks in to cover repair and replacement costs.

    illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Following an accident, this can pay for the medical expenses of you and your passengers up to a certain limit.

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, driving under the influence, and at-fault accidents. Having an incident on your driving record can cause your insurance to increase because insurers see you as a higher risk to insure. The amount your insurance will increase in Jackson depends on where you get insurance and the severity of the incident.

Jackson drivers with an incident on their record pay $138 per month for car insurance, on average. Some types of incidents have more of an effect on coverage than others. For instance, getting a driving under the influence (DUI) charge will likely result in non-renewal from most insurance companies.[4]

Shop for Car Insurance in Jackson, MS

Rates start at $57 per month for drivers with an incident

Excellent
4.7 out of 5 based on 13,028 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

In Mississippi, a speeding ticket will stay on your driving record for three years. Having speeding tickets on your record can cause your insurance rates to increase, as it signals a higher level of risk to insurers. If you want to find cheap car insurance in Jackson, aim to keep your driving record as clean as possible.

The average monthly cost of coverage for a Jackson driver with a speeding ticket is $142. The following table has cheap auto insurance rates for drivers with a speeding ticket in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$47$58
USAA$48$60
National General$70$84
Progressive$72$84
Bristol West$73$89
Direct Auto$74$89
Allstate$77$97
Nationwide$79$99
GEICO$80$101
Trexis One$93$109
Mendota$94$110
Travelers$92$116
First Acceptance$99$116
Safeco$92$117
GAINSCO$104$120
Root$102$132
Shelter$119$153
Dairyland$155$187
Liberty Mutual$156$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 an at-fault accident: State Farm

If you cause an accident and have to submit an insurance claim, your insurer will likely increase your car insurance premiums. In Mississippi, motor vehicle crashes are the number-one cause of injury-related death, according to the Mississippi State Department of Health. Mississippi also has one of the highest per-capita vehicle fatality rates in the country.[5]

On average, Jackson drivers with a past at-fault accident pay $152 per month for auto coverage. Here are the cheapest insurance companies for Jackson drivers with an accident.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$47$61
USAA$48$63
Progressive$72$90
National General$70$91
Bristol West$73$94
Direct Auto$74$98
Allstate$77$101
GEICO$80$101
Nationwide$79$104
Trexis One$93$117
Mendota$94$118
Travelers$92$121
First Acceptance$99$124
Safeco$92$126
GAINSCO$104$130
Root$102$133
Shelter$119$157
Dairyland$155$200
Liberty Mutual$156$202
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

Receiving a DUI charge can have serious consequences on your insurance premium. Your premiums will increase, and your insurance company may choose not to renew your insurance.

In Mississippi, a first-time DUI results in license suspension as well as mandatory completion of the Mississippi Alcohol Safety Education Program (MASEP) and SR-22 documentation as proof of insurance for three years.[6]

The average cost of car insurance for a Jackson driver with a past DUI is $195 per month. The following table has the lowest rates for drivers with a DUI in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$47$73
USAA$48$74
National General$70$108
Bristol West$73$113
Direct Auto$74$115
Progressive$72$116
Allstate$77$119
Nationwide$79$122
GEICO$80$123
Travelers$92$142
Trexis One$93$150
Safeco$92$151
Mendota$94$151
Root$102$158
First Acceptance$99$159
GAINSCO$104$161
Shelter$119$184
Dairyland$155$240
Liberty Mutual$156$242
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: State Farm

Your age can influence how much you pay for car insurance. Car insurance rates tend to start decreasing steadily for drivers around the age of 35. As many drivers enter their 50s, they tend to drive less and are more likely to follow the rules of the road, which results in cheap premiums.[7] However, around age 70, rates start to increase again to account for aging-related risk factors.

Senior drivers in Jackson pay an average of $106 per month for car insurance. The following table shows the cheapest car insurance quotes for senior drivers in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$37$77
USAA$39$81
National General$56$101
Direct Auto$60$123
Nationwide$61$126
Bristol West$61$164
Allstate$63$129
Progressive$63$146
GEICO$64$132
Travelers$74$152
Safeco$81$131
Trexis One$82$224
Mendota$83$196
Shelter$86$175
Root$86$139
First Acceptance$87$226
GAINSCO$89$236
Liberty Mutual$132$223
Dairyland$132$333
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: State Farm

Teenagers pay the highest car insurance rates by age group due to a lack of driving experience and an increased likelihood of demonstrating risky behavior. Young drivers between the ages of 16 and 19 have the highest crash risk compared to any other age group. Fatal crashes for this age group are nearly three times as high as for drivers age 20 and older.[8]

Teenagers can earn lower average rates by following these tips:

  • Drive a safe car. Vehicles with high-quality safety equipment may qualify for a cheaper premium.

  • Look for student discounts. Many auto insurers offer good student discounts to students who maintain an average of “B” or better at school.

  • Enroll in a driver education course. Some insurance companies offer discounts for teen drivers who learned to drive through a driver’s education course.

On average, teenagers in the city pay $220 per month for car insurance. Here are the cheapest quotes for teen drivers in Jackson.

The below rates in Jackson, MS, are estimated rates current as of: Tuesday, March 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$89$184
State Farm$91$188
Bristol West$130$348
Progressive$131$302
National General$142$258
Direct Auto$142$291
GEICO$143$295
Allstate$153$311
Nationwide$155$319
Trexis One$169$463
Mendota$171$405
Root$176$285
First Acceptance$180$467
Safeco$186$299
GAINSCO$190$502
Travelers$191$391
Shelter$236$482
Dairyland$266$669
Liberty Mutual$275$466
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.

Find Car Insurance in Jackson

Insurify partners with 120+ top insurers for real-time quotes

Excellent
4.7 out of 5 based on 13,028 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Jackson car insurance quotes by credit tier

In Mississippi, insurers can consider a driver’s credit-based insurance score to determine insurance premiums. Drivers with excellent or good credit-based insurance scores may have a better chance of qualifying for a better rate. People with poor insurance-based credit scores may pay higher rates. While the link between credit score and auto insurance might not seem obvious, studies have found that credit scores are useful predictors of risk for car insurance.

Here are the average monthly quotes for Jackson drivers by credit tier.

Rates by Credit Tier

Category
Price
Excellent$140
Good$166
Fair$182
Poor$282

Is car insurance more expensive in Jackson?

With an average monthly rate of $121, car insurance in Jackson costs more than the state average of $101. Compared to other cities in Mississippi, Madison is the only city with a higher rate than Jackson.

Jackson has the largest population in Mississippi, which may partially explain the higher-than-average cost of insurance. More people in an area leads to more traffic, accidents, and filed claims, which can increase the cost of car insurance.

More cities in Mississippi

Drivers in other Mississippi cities tend to pay lower auto insurance rates than Jackson residents. But drivers in Madison and Southaven pay higher average premiums.

The table below shows average insurance quotes for cities in Mississippi.

City
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Average Quote: Liability Only
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Average Quote: Full Coverage
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Columbus$64$121
Hattiesburg$71$133
Madison$76$149
Meridian$64$137
Oxford$59$127
Southaven$78$145
Tupelo$63$120
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.

Jackson car insurance FAQs

Before you start shopping around for car insurance, you should decide how much coverage you need. The following information should help answer any of your remaining questions.

  • How much is car insurance in Jackson?

    The average cost of car insurance in Jackson is $121. Drivers in the city pay $81 per month for liability coverage and $161 for full-coverage insurance, on average. Your premium will ultimately depend on your driving record, credit history, age, and more.

  • Which company has the cheapest car insurance in Jackson?

    State Farm has the cheapest car insurance in Jackson. Policyholders with State Farm pay $47 per month on average for liability coverage.

  • What are the best car insurance companies in Jackson?

    State Farm is the best car insurance company in Jackson. It earned an A++ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) Score of 8.8 out of 10, and high customer satisfaction from J.D. Power. Other top insurers include USAA and Allstate.

  • How much is full-coverage car insurance in Mississippi?

    The average cost of full-coverage car insurance in Mississippi is $133 per month. In Jackson, drivers pay $161 per month for full coverage.

  • What is the minimum car insurance required in Mississippi?

    Mississippi drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

Sources

  1. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry: 2022 Top 25 Groups and Companies by Countrywide Premium."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Mississippi Insurance Department. "Auto Insurance."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Mississippi State Department of Health. "Injury and Violence Prevention."
  6. Mississippi Driver Services Bureau. "DUI Department."
  7. Insurance Information Institute. "Senior driving safety and insurance tips."
  8. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Jessica Martel
Written byJessica MartelInsurance Writer
Jessica Martel
Jessica MartelInsurance Writer
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

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