Cheapest Auto Insurance in Jackson, Mississippi (2025)

Jackson drivers pay $127 per month for car insurance coverage, which exceeds the state average of $105 but is lower than the overall national average of $143. In addition to State Farm, the cheapest auto insurers in the city include USAA and National General.

The most populated city in Mississippi, Jackson is the capital of the state. More people condensed in one area often leads to more traffic and opportunities for car accidents, which can explain why average auto rates in Jackson cost more than the state average. To find the cheapest insurance for your needs, you should compare quotes from multiple insurance companies.

Here’s what you need to know about finding cheap auto coverage in Jackson.

Cheapest car insurance companies in Jackson

Insurance companies use different methodologies when determining rates, which results in varying costs. This is why it’s so important to compare information from multiple insurance companies before making a decision. The company that works best for you will depend on your specific financial situation and insurance needs.

Here are a few of the top insurers selling coverage in Jackson. The quotes in the table below reflect average rates in Mississippi.

Best insurer for cheap rates: State Farm

Best insurer for veterans: USAA

Best insurer for discounts: Allstate

How to get the cheapest car insurance in Jackson

Insurers use your age, driving record, ZIP code, the type of car drive, and more to determine the cost of your car insurance policy.

If you want to find the cheapest car insurance in Jackson, consider the following tips:

• Compare multiple insurers. Different car insurance companies offer different rates. Comparing multiple insurance companies can help you find the most affordable option.

• Maintain a good driving record. The better your driving record is, the cheaper your premium is likely to be. If you have multiple violations or an accident on your record, you look riskier to insurance companies, and as a result, you can expect to pay more.

• Drive a safe vehicle. The type of car you drive factors into the price of insurance. Cars with high-quality safety equipment may qualify for discounts.3

Cheapest liability-only car insurance in Jackson: State Farm

Almost every state requires drivers to carry a minimum amount of liability insurance. If you cause an auto accident, bodily injury liability covers the costs associated with any injuries you cause the other driver and their passengers. Property damage liability covers the damage to the other driver’s car or property.

Liability coverage in Jackson costs $83 per month, on average. The table below provides the cheapest monthly quotes for liability insurance in Jackson.

Cheapest full-coverage car insurance in Jackson: State Farm

While liability-only insurance covers the other driver, full-coverage insurance also provides you with protection. A full-coverage policy typically includes liability, collision, and comprehensive coverage. If you have an accident, it will cover the cost of damages to your vehicle, regardless of fault. It also covers damages not caused by a collision.

On average, Jackson drivers pay $171 per month for auto coverage. Below, you can compare the cheapest average monthly quotes for a full-coverage auto insurance policy in Jackson.

Car insurance requirements in Mississippi

Mississippi law requires all drivers to maintain liability insurance and carry proof of insurance in the vehicle at all times. You can show proof of insurance by using a paper or electronic card, such as on your cell phone.

In Mississippi, you can meet the minimum coverage requirements in several ways, including:

• Showing proof of liability insurance

• Posting a bond for the minimum amounts

• Making a cash or security deposit equal to the minimum requirements

For most people, maintaining the minimum amount of liability insurance is the best way to protect yourself financially if you have an accident. If law enforcement stops you, and you fail to produce your insurance card, you can face a penalty of $1,000 and a driving suspension for one year or until you show proof of insurance.4

Mississippi requires the following limits for liability coverage:

Drivers in Mississippi can also choose to purchase additional coverages, including the following:

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, driving under the influence, and at-fault accidents. Having an incident on your driving record can cause your insurance to increase because insurers see you as a higher risk to insure. The amount your insurance will increase in Jackson depends on where you get insurance and the severity of the incident.

Jackson drivers with an incident on their record pay $142 per month for car insurance, on average. Some types of incidents have more of an effect on coverage than others. For instance, getting a driving under the influence (DUI) charge will likely result in non-renewal from most insurance companies.5

Cheapest car insurance for drivers with a speeding ticket: State Farm

In Mississippi, a speeding ticket will stay on your driving record for three years. Having speeding tickets on your record can cause your insurance rates to increase, as it signals a higher level of risk to insurers. If you want to find cheap car insurance in Jackson, aim to keep your driving record as clean as possible.

The average monthly cost of coverage for a Jackson driver with a speeding ticket is $142. The following table has cheap auto insurance rates for drivers with a speeding ticket in Jackson.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause an accident and have to submit an insurance claim, your insurer will likely increase your car insurance premiums. In Mississippi, motor vehicle crashes are the number-one cause of injury-related death, according to the Mississippi State Department of Health. Mississippi also has one of the highest per-capita vehicle fatality rates in the country.6

On average, Jackson drivers with a past at-fault accident pay $152 per month for auto coverage. Here are the cheapest insurance companies for Jackson drivers with an accident.

Cheapest car insurance for drivers with a DUI: State Farm

Receiving a DUI charge can have serious consequences on your insurance premium. Your premiums will increase, and your insurance company may choose not to renew your insurance.

In Mississippi, a first-time DUI results in license suspension as well as mandatory completion of the Mississippi Alcohol Safety Education Program (MASEP) and SR-22 documentation as proof of insurance for three years.7

The average cost of car insurance for a Jackson driver with a past DUI is $204 per month. The following table has the lowest rates for drivers with a DUI in Jackson.

Cheapest car insurance for seniors: State Farm

Your age can influence how much you pay for car insurance. Car insurance rates tend to start decreasing steadily for drivers around the age of 35. As many drivers enter their 50s, they tend to drive less and are more likely to follow the rules of the road, which results in cheap premiums.8 However, around age 70, rates start to increase again to account for aging-related risk factors.

Senior drivers in Jackson pay an average of $108 per month for car insurance. The following table shows the cheapest car insurance quotes for senior drivers in Jackson.

Cheapest car insurance for teens: USAA

Teenagers pay the highest car insurance rates by age group due to a lack of driving experience and an increased likelihood of demonstrating risky behavior. Young drivers between the ages of 16 and 19 have the highest crash risk compared to any other age group. Fatal crashes for this age group are nearly three times as high as for drivers age 20 and older.9

Teenagers can earn lower average rates by following these tips:

• Drive a safe car. Vehicles with high-quality safety equipment may qualify for a cheaper premium.

• Look for student discounts. Many auto insurers offer good student discounts to students who maintain an average of “B” or better at school.

• Enroll in a driver education course. Some insurance companies offer discounts for teen drivers who learned to drive through a driver’s education course.

On average, teenagers in the city pay $223 per month for car insurance. Here are the cheapest quotes for teen drivers in Jackson.

Jackson car insurance quotes by credit tier

In Mississippi, insurers can consider a driver’s credit-based insurance score to determine insurance premiums. Drivers with excellent or good credit-based insurance scores may have a better chance of qualifying for a better rate. People with poor insurance-based credit scores may pay higher rates. While the link between credit score and auto insurance might not seem obvious, studies have found that credit scores are useful predictors of risk for car insurance.

Here are the average monthly quotes for Jackson drivers by credit tier.

Is car insurance more expensive in Jackson?

With an average monthly rate of $127, car insurance in Jackson costs more than the state average of $105. Compared to other cities in Mississippi, Madison is the only city with a higher rate than Jackson.

Jackson has the largest population in Mississippi, which may partially explain the higher-than-average cost of insurance. More people in an area leads to more traffic, accidents, and filed claims, which can increase the cost of car insurance.

More cities in Mississippi

Drivers in other Mississippi cities tend to pay lower auto insurance rates than Jackson residents. But drivers in Madison and Southaven pay higher average premiums.

The table below shows average insurance quotes for cities in Mississippi.

Jackson car insurance FAQs