Table of contents
How much is car insurance in Jackson?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Jackson | $48 |
| TN | $53 |
| United States | $81 |
Based on the chart above, you can see that coverage in Jackson typically costs about $5 a month less than it does in the rest of Tennessee.
Likewise, car insurance rates in Jackson are more affordable than the national average. Car insurance rates for the United States as a whole are, on average, $33 more expensive than the rates you'd pay in Jackson.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 premium.
We've broken down the average rates for Jackson to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $84 |
| 25-34 | $42 |
| 35-44 | $43 |
| 45-54 | Not Enough Data |
| 55-64 | $34 |
| 65+ | $34 |
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $50 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Jackson.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $52 |
| Female | $44 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Jackson, the difference is around $8 per month. Based on the chart above, you can see that female drivers pay around $44 on average, while male drivers typically pay $52 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $62 |
| Multiple Accidents | $111 |
| 1 Ticket | $55 |
| Multiple Tickets | $59 |
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Jackson, a driving record with one accident will usually get you a rate around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $55.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $55 |
| 2-3 Years | $65 |
| 4-5 Years | $47 |
| 6-7 Years | $42 |
| 8-10 Years | $54 |
| 11-14 Years | $48 |
| 15 Years or Older | $44 |
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 $45 per month to insure their vehicle.
Car owners will see a monthly bill of about $49, while SUV owners usually pay around $48 a month.
The age of your vehicle also plays a role in your monthly payment. 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 two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $51 |
| Married | $40 |
| Divorced | $36 |
| Widowed | $36 |
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Jackson as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $44 |
| Rent | $50 |
| Live with parents | $57 |
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Jackson. 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 rates for car insurance in Jackson dropped from 2017-2018, when they hit a low of $38. This shifted in 2019, when car insurance rates started to rise. They reached a high of $56 in 2021, and finished down in 2022, at $55 per month.
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 a lot of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Regional crime rates
- Laws
- Road Safety (frequency of local car accidents)
- Number of drivers in the community
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Jackson in no time.
Jackson Insurance FAQs
What factors affect car insurance quotes in Jackson?
Car insurance companies calculate quotes based on a wide array of factors. These 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Jackson?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Jackson or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?