Cheap Car Insurance in Jackson, MS

In the market for cheap auto insurance in Jackson, MS? At, you will find the lowest cost insurance policy within your town. To get free car insurance prices offered by the major providers right now, input your postal code within the quote box in this posting.

Jackson isn’t just the largest city in Mississippi; it is also the capital of the state. In recent years, the local economy in Jackson has been restructuring itself around transportation and distribution. The physical infrastructure of the city is well-suited for highway and railroad transport of goods throughout the Sunbelt region of the United States.

  • Fun fact: bachelors, watch out! Jackson is #26 on the list of “Top 100 cities with the largest percentage of females (pop. 50,000+)”.

Auto Insurance Coverage Requirements in Mississippi

Driving legally in Jackson requires:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,00025,000/50,000
Property Damage Liability25,00025,000
Uninsured Motorist Bodily InjuryNot required10,000/20,000
Medical PaymentsNot required1,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Like most states you only need Liability coverage to drive legally in Mississippi. But remember: Liability insurance only pays out claims when the accident is considered your fault. So if your car is stolen, or you are hit by an uninsured motorist, you’ll have to pay for 100% of the repairs.

Did you know that many drivers in Mississippi are paying $115 per month or more just for basic insurance? In Jackson, however, you can get insured for less than $41/mo* if you know all the insurance company’s secrets.

Average Monthly Auto Insurance Premiums Legend: Jackson State Farm Nationwide Allstate ALFA Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 $31 $36 $38 $37 $63


Based on our collected data, State Farm, Nationwide, and ALFA are the most affordable auto insurance providers located in the Jackson area. As an added bonus, they are priced well below the state average, which is a great value for motorists.

Auto insurance carriers contemplate numerous variables when determining insurance rates, particularly driving experience, where you live, occupation, education, and business use of the vehicle. Moreover, premiums differ from provider to provider. To make sure you are still receiving the most affordable fee, look at cheap Jackson auto insurance price quotes online.

Major Car Insurance Factors in Jackson

There are many ways that your car insurance rate may be determined. But not all of it is out of your control; there are steps you can take to be able to control what discounts you are eligible to get. The following are some of these factors in greater detail:

Your Zip Code

Your car insurance rates may differ based on where you call home. Generally, populous areas possess increased auto insurance rates because the additional number of drivers on the highway boosts the probability of a car accident! The population of Jackson is 172,638. Plus the common family income is $29,811.

Auto Insurance by Zip Code Legend: Biloxi Gulfport Hattiesburg Jackson Southaven State Farm Nationwide Allstate ALFA Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 65 $38 $38 $31 $31 $36 $42 $42 $36 $36 $38 $48 $48 $38 $38 $42 $44 $44 $37 $37 $41 $60 $65 $63 $63 $59


Automotive Accidents

If you live in an area with a lot of traffic, odds are that the crash statistics will be higher as well. As you can see from the chart, Jackson has some moderately high crash rates, especially when you consider the overall population.

Fatal Accidents in Jackson, MS Legend: Jackson Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 20 22 14 21 3 14 23 8


Auto Thefts in Jackson

Even in small cities or outlying towns, automobile theft can still be an issue. To help make it a lesser problem for you, consider investing in a passive anti-theft system on your vehicle. Your actual auto insurance company might compensate you with reduced prices! Within Jackson, there were 1,054 auto thefts in 2013. Per capita, this is fairly high. Make sure you protect yourself from theft by having Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Nationwide Allstate ALFA Safe Auto 20 40 60 80 100 120 140 160 180 200 220 240 $31 $107 $36 $82 $38 $130 $37 $135 $63 $256


Your Credit Score

You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Nationwide Allstate ALFA Safe Auto 15 30 45 60 75 90 105 120 135 150 $36 $77 $38 $48 $43 $43 $43 $74 $76 $162


Your Age

Younger drivers are consistently charged higher monthly rates for their automobile insurance, no matter what insurance company is underwriting the policy. You might say it’s the price of growing up. If you are a new driver, ask your insurance agent about good student and Driver’s Education discounts. It could save you a bundle. Older drivers, on the other hand, will generally pay much less for coverage. This is because their driving experience makes them less likely to get into an accident.

Auto Policy Age Comparison Legend: 34 Year Old 17 year Old State Farm Nationwide Allstate ALFA Safe Auto 50 100 150 200 250 300 350 400 450 500 550 $31 $153 $36 $234 $38 $138 $37 $162 $63 $557


Your Driving Record

Another major factor which influences your auto insurance premiums is your driving record. For minor violations, such as a speeding ticket or a “fender-bender”, you insurance will increase somewhat (anywhere between 18-30%, depending on the violation). However, some companies with an “Accident forgiveness” policy may ignore past discrepancies from your record. But for more serious violations, such as a DUI, your car insurance rates could double in price virtually overnight. Some major providers might discontinue your coverage entirely for being cited with a DUI or a reckless driving violation.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Nationwide Allstate ALFA Safe Auto 25 50 75 100 125 150 175 200 225 $31 $40 $40 $45 $36 $42 $245 $49 $38 $55 $66 $68 $37 $49 $62 $51 $63 $91 $104 $120


Your Vehicle

Thinking about purchasing insurance for a luxury vehicle? If you can afford it, go right ahead – but keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident- and theft-related expenses. Economical cars, on the other hand, don’t require as much coverage, and therefore have lower monthly rates.

Car insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Nationwide Allstate ALFA Safe Auto 30 60 90 120 150 180 210 240 270 $31 $135 $36 $169 $38 $181 $37 $147 $63 $289


Minor Car Insurance Factors in Jackson

In Mississippi, like in many other states, these factors below might also be able to change your monthly insurance payment:

Your Marital Status

Sometimes your marital status – whether you are single, married, or divorced – can significantly change your monthly rate. This is especially true for married couples who choose to bundle their insurance policies together. Some couples can save as high as 32% with the right company.

Your Gender

Gender is handled in a funny way by some providers – it matters to some companies, but not others. Again, this fluctuation in price is little more than a few dollars per month. Whether you will be penalized or rewarded for being a member of a certain gender will vary from company to company.

Your Driving Distance to Work

The typical work commute will only last around 14-22 minutes for the average driver in Jackson. More than three-quarters of motorists will use their own automobile in order to get around, while anywhere from 3-25% will very likely carpool with friends or coworkers.

When comparing rates between companies, your premium may vary based on total miles driven annually, and the reason you’re driving in the first place (for fun, for work, or for business). For the most part, your reason for being on the road as well as the total number of miles driven will have a modest effect on your monthly rate. Most auto insurance companies will charge a moderately higher premium per month for business vehicles.

Your Coverage and Deductibles

Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.

Education in Jackson, MS

More than one-fifth of those living in Jackson have achieved a High school diploma or another similar equivalent. Another 20% have yet to complete their high school education. But were you aware of the potential savings available from your car insurance provider if you decide to further your education? In recent years, insurance companies have begun to offer lower rates to those motorists who hold an advanced degree of some kind. It’ll get you much better discounts than even having a good job, or a great salary.

Jackson State University is a large, public university offering a good selection of bachelor’s and master’s level degrees to prospective students. For a more specialized form of education, there is also the Mississippi College School of Law or the University of Mississippi Medical Center. If you are in the market for a private education, you should also look into Millsaps College, an affiliate of the United Methodist Church.

Sadly for the majority of insurance providers, an easy internet search can easily expose several of their trade mysteries. But even using the proper advice, it could still be challenging for you as an individual to understand your own risk profile and find low-cost insurance. Be sure to carry out your own due diligence before you commit to your subsequent automobile insurance policy.

You can learn more about Jackson here.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Mississippi Insurance Department

Mississippi Department of Finance and Administration

Department of Highway Safety and Motor Vehicles

Want to lower your premiums? Just enter your zip code!