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How much is car insurance in Jackson?
|Area||Average Monthly Car Insurance Premium|
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!
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Jackson Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
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
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|
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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|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|
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|
|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.
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 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?
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.
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Jackson Auto 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 year, make and model, plus your address, credit score, marital status, and driving record.
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.
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