Compare Jackson, MS Car Insurance Rates (2021)

The cheapest car insurance company in Jackson, MS, is USAA. However, car insurance rates will vary for each person. Jackson car insurance must meet the Mississippi minimum requirements with coverage levels of 25/50/25 for liability. Compare Jackson, MS car insurance rates online to get the best price for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 27, 2021

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Here's what you need to know...

  • Jackson, Mississippi car insurance costs one dollar less than the national average
  • The most affordable car insurance companies in Jackson, MS are USAA, Nationwide, and State Farm
  • Mississippi’s car insurance requirements are 25/50/25
  • Jackson has the highest vehicle thefts in Mississippi

On average, Jackson, MS car insurance rates are $3,933 per year, which is about $328 per month. This puts Jackson’s average rate one dollar more than the national annual average and $268 more than Mississippi’s annual average for car insurance.

However, Jackson, MS car insurance rates depend on the company and other factors that affect car insurance.

Our guide explains how you can secure cheap car insurance in Jackson, Mississippi, for every age, credit history, and driving record.

Ready to find affordable Jackson, MS car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Jackson, MS?

The cheapest auto insurance company in Jackson, MS, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are Nationwide and State Farm.

Here are the best auto insurance companies in Jackson, Mississippi, ranked from cheapest to most expensive:

  • USAA – $2,305
  • Nationwide – $2,944
  • State Farm – $3,446
  • Travelers – $3,735
  • GEICO – $4,267
  • Liberty Mutual – $4,496
  • Progressive – $4,774
  • Allstate – $5,494

USAA, Nationwide, and State Farm are the only companies in Jackson that offer cheaper than average car insurance rates. With the right discounts, you can lower your annual costs.

Before you get any discount, car insurance providers will inspect specific factors that determine your car insurance rates, such as age, gender, marital status, driving record, and credit history.

The most significant factor is your driving record. Some car insurance companies provide between 15 to 40 percent off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.

Even your address is a factor. Did you know your neighborhood ZIP code can save you hundreds more if you live in a safer address? The cheapest ZIP code in Jackson, MS, is 39211, and its average car insurance cost is $271 per month.

If you’re a driver under 25 years old, you could face auto insurance quotes up to $9,160 per year. On the other hand, senior drivers may have car insurance rates of about $2,103 per year.

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What are the minimum car insurance coverage requirements in Jackson, MS?

All drivers must have the minimum Mississippi car insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Some car insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in insurance.

What affects car insurance rates in Jackson, MS?

Did you know that your daily commute affects your car insurance? Even a city’s motor vehicle thefts affect car insurance quotes.

According to Data USA, it takes the average Jackson driver 20 minutes to get to work. Jackson’s average commute is five minutes faster than the national average commute time.

Jackson, MS weather is moderate overall, but the city has a high chance of storms like most states in the southeastern United States. According to City-Data, Jackson had eight major storms in 2019.

However, vehicle theft has a significant impact on comprehensive car insurance. High rates of motor vehicle theft in a city will undoubtedly increase car insurance costs. The FBI annual statistics reported that Jackson had 912 auto thefts in 2019.

Jackson, MS Car Insurance: The Bottom Line

Jackson, MS car insurance rates are more affordable than most cities in the United States. You can save hundreds on car insurance if you maintain a clean driving history and a good credit score.

Young drivers should consider going under a parent or legal guardian’s car insurance policy to save. Also, you can get discounts for safety and anti-theft features on your vehicle.

Before you buy car insurance in Jackson, MS, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Jackson, MS car insurance quotes.

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Average Monthly Car Insurance Rates by State