Jackson, GA Car Insurance

Jackson drivers pay, on average, around $92 a month for their car insurance. To learn more about what you're likely to pay in the Jackson area, read our guide below.
How does Jackson compare to the surrounding area and the rest of Georgia? How much can residents of Jackson expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Jackson?

Area Average Monthly Car Insurance Premium
Jackson$92
GA$106
United States$81

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. It's about $11 more expensive than the national average to insure your vehicle in Jackson.

Bear in mind that while these rates represent the expected monthly payments for Jackson drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

Don't worry, we've done the work for you and broken down the average rates for Jackson to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$159
25-34$88
35-44$91
45-54Not Enough Data
55-64$65
65+$71

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may creep back up in Jackson.

Average Car Insurance Rates by Gender

Gender Average
Male$101
Female$87

In general, women pay slightly less for car insurance than men. In Jackson, the difference is around $14 per month. As illustrated in the table above, male drivers in the area pay about $101 on average, while female drivers pay around $87 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$125
Multiple Accidents$153
1 Ticket$115
Multiple Tickets$136

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Jackson with a single accident will pay around $125 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $115.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$63
2-3 Years$88
4-5 Years$101
6-7 Years$142
8-10 Years$92
11-14 Years$103
15 Years or Older$85

The cheapest vehicles to insure in Jackson are usually trucks and vans, with each type typically costing about $89 per month.

Car owners will see a monthly premium of about $95, while SUV owners by and large pay around $91 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Jackson, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$104
Married$72
Divorced$73
Widowed$68

More often than not, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Jackson can be as much as $32 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$79
Rent$93
Live with parents$138

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Jackson. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Jackson, GA

Recent trends in car insurance for Jackson drivers

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

Auto insurance rates in Jackson went up from 2017-2018, before steadying out in 2019. They finished down in 2022, at $82 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 a variety of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Access to off-street parking
  • Local crime rates
  • Regional laws
  • Amount of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Jackson in no time.

Compare the cheapest quotes from dozens of insurance companies

Jackson Insurance FAQs

What factors affect car insurance quotes in Jackson?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Jackson or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes