Cheapest Auto Insurance in Jackson, Tennessee (2025)

Drivers in Jackson can expect to pay an average of $147 per month for full-coverage car insurance and $72 for liability-only coverage. The city’s rates are slightly higher than Tennessee’s monthly average of $103 but lower than the national average of $144 per month. It’s important to compare car insurance quotes from multiple insurers before buying a policy.

Car insurance premiums vary by age, driving record, crime, traffic accident rates, and more. Jackson may have higher premiums than other Tennessee cities due to Madison County’s higher rate of accidents: 3,321 traffic accidents between 2010 and 2020, No. 16 out of 95 counties statewide.1

Cheapest car insurance companies in Jackson

You may be able to find cheaper car insurance policies in Jackson than the quotes above, depending on your specific driver profile and the insurer you choose to work with. See below for the insurance companies currently offering the lowest car insurance rates in Jackson, Tennessee.

Best insurer for affordability: State Farm

Best insurer for young drivers: GEICO

Best insurer for military members, veterans, and their families: USAA

How to get the cheapest car insurance in Jackson

Many factors influence the rate you’ll get on car insurance in Jackson, including your driving record, the type of car you drive, how often you use it, your location and ZIP code, your age, and even your credit score.3

If you’re looking to get the cheapest car insurance, you should consider the following:

• Apply for discounts. Insurers usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

• Bundle your home and auto insurance. Many insurance companies offer discounts if you bundle your car insurance with homeowners, renters, or life insurance.

• Select a higher deductible. A higher deductible means a lower premium. Make sure you can afford to pay it if you need to file a claim.

• Maintain a clean driving record. Drivers with clean driving records pay the cheapest premiums. Drive responsibly and avoid traffic violations.

• Shop around. Compare quotes from at least three insurance companies before buying a policy. Insurers weigh factors differently. You may find cheaper rates for the same coverage from certain companies.

Cheapest liability-only car insurance in Jackson: Mile Auto

Liability-only car insurance covers you if you cause an accident that injures another person or damages their property. It pays for things like the injured party’s medical bills, lost wages, car repairs, damage to mailboxes or fences, and more, but it won’t cover any of your own expenses.

The cheapest insurer for liability-only car insurance in Jackson is Mile Auto, with an average premium of $43 per month. The table below outlines the cheapest liability-only policies for drivers in Jackson.

Cheapest full-coverage car insurance in Jackson: Mile Auto

Full-coverage car insurance is more exhaustive than liability-only. It includes comprehensive and collision insurance, which protect you and anyone else who suffers if you’re at fault in an accident, as well as your vehicle.

Your lender may require full coverage. You also may want it for newer vehicles, as these depreciate quickly.

The cheapest insurer for full-coverage car insurance in Jackson is Mile Auto, with an average cost of $78 per month. Here’s a look at the cheapest full-coverage car insurance rates in Jackson.

Car insurance requirements in Tennessee

Tennessee requires all drivers to be able to show proof of financial responsibility. Typically, the easiest way to do so is by purchasing liability car insurance. See the table below for the minimum car insurance coverage required by law in Tennessee:4 

You may also want to add the following optional coverages to better protect yourself and your vehicle:

Cheapest car insurance for drivers with an incident

Having an incident on your driving record can increase your car insurance premiums, as it indicates you’re more likely to file a claim (and cost your insurer money). Incidents include speeding tickets, driving under the influence (DUI), and other at-fault accidents and moving violations.

Having one of these incidents while insured can also increase your premiums at renewal time or make it harder to get renewed altogether. However, you can typically still find affordable rates with the right insurance company if you take the time to shop around and compare quotes.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding tickets can often increase your insurance rates, as it increases your chance of an accident and, therefore, filing a claim. The exact amount your premium increases varies by its severity and how many you already have on your driving record.

The cheapest insurer for drivers with a speeding ticket in Jackson is Mile Auto, with an average cost of $52 per month. See below for a breakdown of the cheapest insurance for Jackson drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

If you’re at fault in an accident, you can usually expect higher premiums than drivers without an accident on their record. The exact amount an accident will affect your premiums depends on the severity of the accident, the cost of the claim, your driving record, and other factors.

The cheapest insurer for drivers with an at-fault accident in Jackson is Mile Auto, with an average cost of $57 per month. See below for a breakdown of the cheapest insurance for drivers with at-fault accidents in Jackson.

Cheapest car insurance for drivers with a DUI: Mile Auto

A DUI (driving under the influence) or DWI (driving while intoxicated) violation will almost always lead to higher premiums, though how much higher depends on how long it’s been since the DUI, your driving record, your age, and more.

You’ll likely lose your license for a time and have to pay expensive fines. You could even face jail time, depending on the severity of the violation. Some car insurance companies may not cover you at all due to the higher risk of accidents and claims you present. You may also need to file an SR-22 certificate with your state to prove you have adequate insurance.

The cheapest insurer for drivers with a DUI in Jackson is Mile Auto, with an average cost of $60 per month. See below for a breakdown of the cheapest insurance for drivers with DUIs in Jackson.

Cheapest car insurance for seniors: Mile Auto

Car insurance can often be higher for older drivers, as insurers see them as high risk. Insurance rates tend to decrease around age 35 but increase again at age 70.

The cheapest insurer for senior drivers in Jackson is Mile Auto, with an average cost of $33 per month. See below for a breakdown of the cheapest insurance for senior drivers in Jackson.

Cheapest car insurance for teens: Mile Auto

Car insurance premiums tend to skew much higher for teen drivers than adults, largely due to their inexperience on the road and increased risk for accidents. Teens ages 16 to 19 are most at risk of a crash, according to the Centers for Disease Control and Prevention (CDC). Boys are particularly at risk, and in 2020, the motor vehicle crash fatality rate for boys in this age group was three times that of girls.5

Teens have plenty of ways to get a lower premium, though. Teens can get on their parents’ policies, choose safe vehicles, opt for higher deductibles, take advantage of good student discounts, and shop around for their policy.

The cheapest insurer for teen drivers in Jackson is Mile Auto, with an average cost of $92 per month. See below for a breakdown of the cheapest insurance for teen drivers in Jackson.

Jackson car insurance quotes by credit tier

Though some states have banned the use of credit scores in insurance pricing, Tennessee allows it (though an insurer can’t outright deny a customer based on credit score alone).6 Generally speaking, drivers with good credit scores pay lower premiums than drivers with bad credit scores.

See below for the average monthly premium per credit score tier in Jackson.

Is car insurance more expensive in Jackson?

Jackson drivers pay an average of $110 per month for car insurance, slightly less than the national average. It’s one of the more expensive cities in Tennessee, however.

Car insurance premiums can vary quite a bit by location. This comes down to factors like auto theft rates and accidents in the area, parking and traffic, car repairs and medical care costs, weather trends, and more.

More cities in Tennessee

Car insurance premiums vary widely across Tennessee. Here’s the average monthly car insurance Tennessee drivers pay in different cities.