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How much is car insurance in Jackson?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Tennessee, coverage in Jackson is about $8 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in Jackson. The average monthly payment for the United States as a whole is about $36 more expensive than in Jackson.
While these are the average monthly costs for auto insurance coverage in Jackson, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Jackson residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Jackson.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Jackson, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay 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 $67 a month. Likewise, drivers with one ticket will be looking at a rate of around $60 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$41|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Jackson, with drivers paying around $38 per month for auto insurance.
Car owners, on the other hand, by and large pay around $46 per month, while SUV drivers can expect to pay about $42 a month for auto insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Jackson, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
Overall, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles 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 $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
One other element taken into consideration is your housing status. If you rent your home or apartment in Jackson, expect to pay around $8 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 overall costs, depending on your insurance company.
Car Insurance Companies in Jackson, TN
Recent trends in car insurance for Jackson drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of auto insurance coverage in Jackson had been increasing from 2016-2017, before steadying out in 2018. They rose again, hitting a high of $51 in 2020, and finished down at $43 in 2021.
How does Jackson compare to neighboring areas?
Why are car insurance rates in Jackson different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Local regulations
- Road Safety (how many accidents each locality has)
- Amount of drivers in the region
- Off-street parking availability
- Area crime rates
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. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Jackson in no time.
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 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 crime rates, parking situations, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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.