Table of contents
How much is car insurance in Jackson?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Jackson | $73 |
| MS | $66 |
| United States | $80 |
As you can tell from the chart above, the cost of coverage in Jackson is about $7 a month more expensive than the rest of Mississippi.
When stacked up against the national average, the average monthly policy payment for Jackson is more affordable. Car insurance rates for the U.S. as a whole are, on average, $7 more expensive than the rates you'd pay in Jackson.
While these are the average costs to insure your vehicle in Jackson, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
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. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $106 |
| 25-34 | $69 |
| 35-44 | $62 |
| 45-54 | $71 |
| 55-64 | $59 |
| 65+ | $51 |
It would make sense that older drivers have more driving experience, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $55 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may rise again in Jackson.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $73 |
| Female | $73 |
Female drivers pay, on average, slightly less than their male counterparts. In Jackson, however, male and female drivers both pay about the same rate for auto insurance.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $110 |
| Multiple Accidents | $111 |
| 1 Ticket | $75 |
| Multiple Tickets | $182 |
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Jackson with one accident will pay around $110 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $87 |
| 2-3 Years | $64 |
| 4-5 Years | $70 |
| 6-7 Years | $63 |
| 8-10 Years | $72 |
| 11-14 Years | $85 |
| 15 Years or Older | $68 |
If you look at the first table above, the cheapest vehicles to insure in Jackson are by and large trucks and vans, at $60 per month.
SUV drivers will see rates of about $66, while the rates for car owners average out to about $75 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Jackson are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $74 |
| Married | $68 |
| Divorced | $69 |
| Widowed | $56 |
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
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 $6 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $75 |
| Rent | $70 |
| Live with parents | $148 |
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $5 a month less than those who own their own home in Jackson. But if you live with your parents, your rates will be significantly higher.
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, MS
Recent trends in car insurance for Jackson drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Jackson, the rates for car insurance have been mixed over the past few years. They did, however, increase from $73 in 2020 to $78 in 2021.
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. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of drivers in the region
- Community laws
- Number of car accidents
- Access to off-street parking
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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 to request a quote from a car insurance company.
But wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Jackson.
Jackson Insurance FAQs
What factors affect car insurance quotes in Jackson?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Jackson different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.