Table of contents
How much is car insurance in Jackson?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Jackson are about $11 a month cheaper than in the rest of Georgia.
On the other hand, Jackson residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $13 more expensive to insure your vehicle in Jackson compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Jackson, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Jackson so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Jackson.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Jackson, where male drivers pay about $14 more per month. As illustrated in the table above, female drivers in the area pay about $87 on average, while male drivers pay around $101 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Jackson, drivers with one accident on their record will experience rates around $128 a month. In addition, drivers with one ticket can expect to pay around $114 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$86|
In Jackson, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $91 per month for insurance coverage.
Car owners will see rates of about $95, while truck and van owners usually pay around $92 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Jackson, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Jackson is no exception, with the difference totaling to around $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
One other element taken into consideration is your housing status. In Jackson, homeowners can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Jackson, GA
Recent trends in car insurance for Jackson drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Jackson, car insurance rates decreased from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $89 per month
How does Jackson compare to neighboring areas?
Why are car insurance rates in Jackson different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Crime levels
- Amount of drivers
- Frequency of car accidents
- Local regulations
- Amount of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Jackson?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Jackson.
Jackson Insurance FAQs
What factors affect car insurance quotes in Jackson?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Jackson different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Jackson?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Jackson?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jackson or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.