The Cheapest Auto Insurance Companies in Jackson, Mississippi, in 2026
State Farm offers the cheapest car insurance in Jackson, with rates starting at $48.
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Reviewer: David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
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An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
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Car insurance in Jackson averages $128 per month, but don’t let that number discourage you. Jackson drivers often pay high premiums due to the city’s urban traffic density and weather-related insurance claims. But many insurers offer rates significantly below the city’s average.
Companies like State Farm, USAA, and Progressive consistently provide some of the most affordable liability coverage options in the area.
Throughout this guide, we’ll explore the cheapest insurers for various driver profiles, help you understand how to choose the right coverage, and share practical money-saving tips.
Key Takeaways
State Farm offers the most affordable average rates in Jackson, at $48 monthly.
Jackson drivers pay a monthly average of $85 for liability coverage and $170 for full coverage.
Mississippi requires drivers to have minimum liability coverage of 25/50/25, plus uninsured/underinsured motorist protection.
The Cheapest Car Insurance Companies in Jackson, Mississippi
Even with Jackson’s relatively expensive rates, smart shoppers can still find excellent deals with the right company. Several insurers consistently offer premiums below the citywide average, making quality coverage accessible for budget-conscious drivers.
The table below highlights Jackson’s most affordable insurers, based on Compare.com data analysis.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| Progressive | $58 |
| Bristol West | $71 |
| National General | $71 |
| Direct Auto | $72 |
| Allstate | $74 |
| GEICO | $83 |
| The General | $89 |
| Travelers | $94 |
| Trexis One | $94 |
| Safeco | $96 |
| First Acceptance | $98 |
| Mendota | $99 |
| GAINSCO | $102 |
| Root | $103 |
| Shelter | $121 |
| Liberty Mutual | $150 |
| Hugo | $152 |
| Dairyland | $154 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, November 1 at 12:19 AM PDT.
State Farm takes the top spot, with an average monthly liability rate of $48. In the following sections, we’ll break down the best options for specific driver types and coverage needs.
Cheapest Car Insurance in Jackson by Driver and Coverage Type
While the companies above give you a solid foundation for your search, your personal rates depend on factors like age, driving history, and coverage needs. That’s why you should compare quotes from multiple insurers to find the best price for your driving profile.
The table below shows the most affordable options across different driver and coverage types, based on Compare.com data analysis.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $48 |
| Full coverage | State Farm | $94 |
| Teens | State Farm | $92 |
| Seniors | State Farm | $38 |
| Drivers with a speeding ticket | State Farm | $60 |
| Drivers with an at-fault accident | State Farm | $64 |
| Drivers with a DUI | State Farm | $64 |
| Drivers with excellent credit | State Farm | $40 |
| Drivers with poor credit | State Farm | $70 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
We’ll go into more detail for each driver category in the following sections.
Find the Best Company for You
Policies in Jackson start as low as $48 per month.
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Cheapest state-minimum coverage: State Farm
Basic liability coverage in Jackson averages $85 per month, according to Compare.com data.
While liability-only coverage meets Mississippi’s minimum requirements, most insurance experts recommend purchasing additional coverage. Extra insurance coverage can help protect your assets and provide better financial security in case of serious accidents.[1]
If you need bare-bones coverage that meets Mississippi’s minimum requirements, the chart below shows the five most affordable options, according to our data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| Progressive | $58 |
| Bristol West | $71 |
| National General | $71 |
| Direct Auto | $72 |
| Allstate | $74 |
| GEICO | $83 |
| The General | $89 |
| Travelers | $94 |
| Trexis One | $94 |
| Safeco | $96 |
| First Acceptance | $98 |
| Mendota | $99 |
| GAINSCO | $102 |
| Root | $103 |
| Shelter | $121 |
| Liberty Mutual | $150 |
| Hugo | $152 |
| Dairyland | $154 |
Cheapest full coverage: State Farm
Most drivers benefit significantly from full-coverage auto insurance. Full-coverage policies protect against theft, vandalism, and weather damage. This broader protection offers peace of mind and financial security that basic liability simply can’t match.
Full coverage typically includes collision and comprehensive insurance, alongside your liability protection. If you finance or lease your vehicle, your lender typically requires you to buy full-coverage insurance.[2]
Full coverage in Jackson averages $170 per month. But many insurers offer full-coverage protection for close to liability-only rates.
The chart below shows the five companies offering the most competitive full-coverage rates in Jackson, according to Compare.com data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $94 |
| USAA | $96 |
| National General | $125 |
| Allstate | $138 |
| Safeco | $138 |
| Progressive | $141 |
| Direct Auto | $143 |
| Root | $160 |
| GEICO | $166 |
| Bristol West | $184 |
| Travelers | $184 |
| Mendota | $229 |
| Trexis One | $231 |
| Shelter | $237 |
| Liberty Mutual | $243 |
| GAINSCO | $258 |
| First Acceptance | $259 |
| The General | $335 |
| Dairyland | $395 |
Cheapest for teens: State Farm
Teen drivers face some of the steepest insurance rates of any demographic due to their inexperience behind the wheel and statistically higher accident rates.[3] Insurance companies view younger drivers as higher-risk, which translates into higher premium costs.
Our data shows teens typically pay nearly double what drivers aged 20 or older pay for similar coverage. In Jackson, teen drivers pay an average of $234 per month for car insurance. But you can still find affordable coverage with the right approach.
These five insurers offer Jackson’s best rates for teenage drivers, according to Compare.com research.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates for Teens
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $92 |
| Progressive | $106 |
| Bristol West | $125 |
| Allstate | $135 |
| National General | $139 |
| Direct Auto | $140 |
| GEICO | $150 |
| Root | $155 |
| The General | $160 |
| Trexis One | $172 |
| GAINSCO | $177 |
| First Acceptance | $179 |
| Mendota | $181 |
| Travelers | $193 |
| Safeco | $196 |
| Shelter | $238 |
| Liberty Mutual | $261 |
| Dairyland | $264 |
| Hugo | $277 |
Cheapest for seniors: State Farm
Senior drivers typically enjoy some of the lowest car insurance rates. They usually have more driving experience and more cautious driving habits. Older drivers tend to file fewer claims and don’t engage in risky driving behaviors, so insurers typically charge them less.[4]
Jackson seniors pay an average of $113 per month for auto coverage. But even with these low rates, several companies offer even better deals for older drivers.
The following chart highlights the five most affordable insurers for Jackson’s senior drivers, according to Compare.com data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| USAA | $40 |
| Progressive | $51 |
| National General | $57 |
| Direct Auto | $60 |
| Bristol West | $60 |
| Allstate | $66 |
| GEICO | $67 |
| Travelers | $76 |
| The General | $76 |
| Trexis One | $83 |
| Safeco | $85 |
| First Acceptance | $87 |
| Mendota | $88 |
| Shelter | $88 |
| GAINSCO | $89 |
| Root | $96 |
| Liberty Mutual | $126 |
| Dairyland | $132 |
| Hugo | $135 |
Cheapest after a ticket: State Farm
Traffic violations signal to your insurer that you’re riskier to insure, and your rates will usually go up when your policy renews. Insurers view tickets as indicators of future claims and adjust rates to manage the risk.[5]
Our research shows that even a single speeding ticket causes average rates to jump 28% nationwide. Jackson drivers with recent violations pay an average of $157 per month for car insurance. But several insurers offer competitive rates for people with driving infractions.
Here are the five companies offering Jackson’s best rates for drivers with recent tickets, according to Compare.com data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| State Farm | $60 |
| USAA | $62 |
| Progressive | $71 |
| National General | $88 |
| Bristol West | $89 |
| Direct Auto | $90 |
| Allstate | $91 |
| GEICO | $108 |
| Trexis One | $115 |
| The General | $118 |
| Travelers | $120 |
| First Acceptance | $120 |
| GAINSCO | $121 |
| Root | $121 |
| Mendota | $122 |
| Safeco | $125 |
| Shelter | $157 |
| Hugo | $187 |
| Liberty Mutual | $189 |
| Dairyland | $189 |
Cheapest after an accident: State Farm
At-fault accidents trigger significant rate increases. Causing an accident tells your insurer that you’re more likely to file a claim in the future. Insurance companies charge substantially higher premiums to cover the additional risk.
A single at-fault accident increases average rates by 33% nationwide. Jackson drivers with recent accidents pay an average of $169 per month for auto coverage. But you can often find better rates with companies that offer better deals for drivers who’ve caused an accident.
The chart below shows the five cheapest auto insurers for Jackson drivers with a recent accident, according to Compare.com data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| State Farm | $64 |
| USAA | $66 |
| Progressive | $77 |
| Bristol West | $94 |
| National General | $94 |
| Allstate | $98 |
| Direct Auto | $98 |
| GEICO | $110 |
| The General | $122 |
| Trexis One | $124 |
| Travelers | $127 |
| Root | $129 |
| First Acceptance | $129 |
| GAINSCO | $131 |
| Mendota | $131 |
| Safeco | $134 |
| Shelter | $166 |
| Liberty Mutual | $200 |
| Hugo | $201 |
| Dairyland | $203 |
Cheapest after a DUI: State Farm
Driving under the influence (DUI) convictions cause the most dramatic insurance rate increases of any driving violation. Insurers consider people with DUI convictions the riskiest drivers to cover and charge substantially higher rates.
Our data reveals that DUI convictions increase average rates by 59% nationwide. Beyond higher costs, some insurers refuse to cover drivers with recent DUI convictions. But certain companies specialize in high-risk coverage and offer reasonable rates for drivers working to rebuild their records.[6]
Jackson drivers with DUI convictions pay an average of $160 per month for car insurance. But you’re not necessarily stuck with extremely high rates.
These five companies offer Jackson’s most affordable coverage for drivers with DUI convictions, according to Compare.com data.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| State Farm | $64 |
| USAA | $66 |
| Progressive | $73 |
| Allstate | $93 |
| Bristol West | $95 |
| National General | $95 |
| Direct Auto | $97 |
| GEICO | $112 |
| The General | $116 |
| Trexis One | $118 |
| First Acceptance | $123 |
| Mendota | $124 |
| Travelers | $126 |
| GAINSCO | $137 |
| Root | $138 |
| Safeco | $143 |
| Shelter | $162 |
| Hugo | $190 |
| Liberty Mutual | $201 |
| Dairyland | $207 |
Cheapest for bad credit: State Farm
Many insurance companies factor credit history into their rate calculations. Insurers use a credit-based insurance score to help predict the likelihood of missed payments and future claims. A poor credit history typically results in higher premiums.[7]
Drivers with poor credit pay approximately 40% more nationwide than people with excellent credit. In Jackson, drivers with poor credit pay an average of $160 per month for car insurance.
But not all companies consider your credit, and some offer competitive rates regardless of your credit history. The five insurers below provide Jackson’s most affordable options for drivers with poor credit, according to Compare.com research.
The below rates in Jackson, MS, are estimated rates current as of: Sunday, November 1 at 12:19 AM PDT.
Average Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| USAA | $61 |
| State Farm | $70 |
| Progressive | $73 |
| Bristol West | $88 |
| National General | $88 |
| Direct Auto | $89 |
| Allstate | $93 |
| GEICO | $98 |
| The General | $110 |
| Travelers | $112 |
| Trexis One | $118 |
| Safeco | $119 |
| First Acceptance | $123 |
| Mendota | $124 |
| GAINSCO | $126 |
| Root | $128 |
| Shelter | $150 |
| Liberty Mutual | $179 |
| Hugo | $190 |
| Dairyland | $191 |
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Mississippi Auto Insurance Requirements
)
Mississippi, like nearly every state, requires all drivers to buy a minimum amount of auto insurance coverage. Mississippi’s mandatory auto insurance requirements include:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident for injuries you cause to others
Property damage liability: $25,000 per accident for damage you cause to other people’s property
Is minimum coverage enough in Jackson?
Most insurance experts recommend purchasing coverage above Mississippi’s minimum limits. Basic coverage may not offer enough financial protection if you cause a serious accident. Plus, lenders usually require you to buy comprehensive and collision coverage if you finance or lease your vehicle.
Consider this scenario: If you cause an accident resulting in $100,000 in medical bills for another driver, Mississippi’s $25,000 minimum would leave you personally responsible for the remaining $75,000. That’s why many drivers choose higher liability limits to better protect their assets.
Jackson Auto Insurance FAQs
We answered some of the most common questions from drivers about car insurance in Jackson. Check them out below.
How much is car insurance in Jackson?
Car insurance in Jackson averages $85 per month for liability coverage and $170 for full coverage, according to Compare.com data.
Is car insurance in Jackson expensive?
It depends. Drivers in Jackson pay an average of $128 per month for car insurance. That’s compared to the national average of $144. But your insurance costs depend on personal factors, including your address, driving record, age, and coverage choices.
What’s the cheapest auto insurance company in Jackson?
State Farm offers the most affordable liability coverage in Jackson, with rates starting at $48 per month, based on Compare.com data.
Disclaimer
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Sources
- Insurance Information Institute. "How much auto coverage do I need?."
- NAIC. "What You Should Know About Auto Insurance Coverage."
- U.S. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- IIHS. "Older drivers."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Information Institute. "What if I can't find auto coverage?."
- NAIC. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
- Official Website of the Mississippi Insurance Department. "Auto Insurance."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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