Why is the cost of car insurance in Jackson different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Jackson?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Jackson?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Jackson or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Jackson, GA Car Insurance Quotes for 2026

Updated June 25, 2026

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How much can residents of Jackson expect to pay for their car insurance? How does Jackson compare to the surrounding area and the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Jackson?

Area	Average Monthly Car Insurance Premium
Jackson	$91
GA	$105
United States	$80

Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Jackson than it is in the rest of Georgia.

That being said drivers in Jackson may pay higher rates than the rest of the country. The cost of auto coverage in Jackson is about $11 more expensive than the national average.

Bear in mind that while these are the average car insurance rates for Jackson, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Jackson residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

The Cheapest Car Insurance Companies in Jackson, Georgia

The table below breaks down the cheapest companies for Jackson drivers, according to our research.

The below rates in Jackson, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.

Company	Average Monthly Premium
State Farm	$48
Sun Coast	$48
Mile Auto	$49
State Farm	$49
USAA	$49
Progressive	$54
Certainly	$55
Direct Auto	$56
USAA	$59
Freedom National	$60
AssuranceAmerica	$64
GEICO	$65
Progressive	$67
The General	$67
Auto-Owners	$68
Travelers	$68
National General	$70
Trexis	$71
Bristol West	$72
Erie	$72
Direct Auto	$75
Allstate	$78
Safeco	$78
GAINSCO	$80
Nationwide	$80
Trexis One	$80
GEICO	$83
National General	$84
Auto-Owners	$85
Dairyland	$85
Mendota	$85
The General	$87
First Acceptance	$88
Allstate	$91
State Farm	$91
Country Financial	$93
Safeco	$93
Travelers	$94
Trexis One	$94
Insurify Car	$96
Mendota	$96
Farmers	$98
Liberty Mutual	$98
First Acceptance	$99
Allstate	$100
Bristol West	$102
GAINSCO	$103
Root	$103
Root	$103
Elephant	$104
Mile Auto	$105
USAA	$106
Foremost	$109
Progressive	$116
Nationwide	$121
Shelter	$121
Foremost	$124
Hugo	$128
Foremost	$135
Chubb	$141
Mercury	$146
Liberty Mutual	$150
Dairyland	$155
Hugo	$158
Root	$167
Bristol West	$170
GEICO	$171
Clearcover	$174
GAINSCO	$180
Direct Auto	$183
State Auto	$187
The General	$189
AssuranceAmerica	$195
Safeco	$203
National General	$206
Trexis One	$207
Mendota	$215
Nationwide	$219
First Acceptance	$224
Insurify Car	$225
Excepsure	$229
Trexis	$230
Hugo	$308
Liberty Mutual	$362

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Jackson Car Insurance Rates by Age

Age Range	Average Premium
Under 18	Not Enough Data
18-24	$159
25-34	$86
35-44	$91
45-54	Not Enough Data
55-64	$66
65+	$71

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $88 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Jackson drivers may see their rates start to rise again once they hit retirement age.

Jackson Car Insurance Rates by Gender

Gender	Average
Male	$99
Female	$86

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Jackson, the difference is around $13 per month. As you can see in the chart above, car insurance for women in the area typically costs around $86 each month, while men pay $99 on average.

Jackson Auto Insurance Rates by Driving Record

Infractions	Average Monthly Premium
1 Accident	$125
Multiple Accidents	$153
1 Ticket	$106
Multiple Tickets	$135

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Jackson, having a single accident on your record will usually get you rates around $125 a month. Similarly, drivers with one ticket will typically pay around $106 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Jackson Insurance Rates by Vehicle

Category	Price
Car	$94
SUV	$90
Truck/Van	$88

Vehicle Age	Average Monthly Premium
Less Than 1 Year	$73
2-3 Years	$88
4-5 Years	$103
6-7 Years	$140
8-10 Years	$92
11-14 Years	$103
15 Years or Older	$83

In Jackson, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $88 per month for auto insurance coverage.

Car owners will see a monthly bill of about $94, while SUV owners usually pay around $90 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Jackson, vehicles six-to-seven years old are the most expensive to insure.

Jackson Car Insurance Rates by Relationship Status

Relationship	Average Monthly Premium
Single (never married)	$102
Married	$72
Divorced	$74
Widowed	$71

Overall, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Jackson can be as much as $30 a month, so it's worth keeping that in mind.

Jackson Car Insurance Rates by Housing Situation

Housing Status	Average Monthly Premium
Own	$79
Rent	$92
Live with parents	$134

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Jackson, expect to pay around $13 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Recent trends in car insurance for Jackson drivers

Category	Price
2017	$89
2018	$112
2019	$90
2020	$90
2021	$99
2022	$80

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The cost of auto insurance in Jackson rose from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $80 per month

How does Jackson compare to neighboring areas?

Category	Price
ATLANTA	$113
DECATUR	$123
LAWRENCEVILLE	$109
STONE MOUNTAIN	$123
MARIETTA	$105

Why are car insurance rates in Jackson different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

Crime rates
Rate of car accidents
Number of drivers
Access to off-street parking
Area regulations

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Jackson?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Jackson.

Jackson Auto Insurance FAQs

Why is the cost of car insurance in Jackson different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Jackson?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jackson?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Jackson or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
None of Compare.com's content is ever influenced by the companies and brands we partner with.
Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
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Cheapest recent rates near Jackson, Georgia

Drivers using Compare.com have found quotes as cheap as $62/mo for liability only and $98/mo for full coverage in Jackson and other Georgia cities.