How much does auto insurance cost in Jackson?

 

The average car insurance rate in Jackson, Mississippi, is $1,746 per year. That's pricier than the average in Mississippi ($1,587) and more expensive than the national average of $1,548. Our guide to car insurance in Jackson — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
JACKSON AUTO INSURANCE PREMIUMS
Jackson Average (annual) Mississippi Average United States Average
$1,746 $1,587 $1,548
 
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Jackson car insurance costs by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Jackson's cheapest rates. See below the best options for affordable auto insurance in Jackson. Don't forget to get car insurance quotes based on your driving profile.

 
JACKSON CAR INSURANCE RATES BY COMPANY
Company Average Annual Rate
GEICO $1,015
State Farm $1,391
Nationwide $1,529
Southern Farm Bureau $1,660
Progressive $1,791
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Jackson car insurance costs by age

The best age for car insurance rates as a driver in Jackson is your 50s: drivers in this age group pay an average of $1,514 per year. Drivers in their 60s pay marginally higher rates — $1,524 per year.

Teen drivers pay Jackson's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Jackson is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Jackson is $3,849. That's the biggest gap in premiums between any pair of age brackets.

 
JACKSON CAR INSURANCE RATES BY DRIVER AGE
Age group Average Annual Rate
Teenagers $6,226
20s $2,377
30s $1,706
40s $1,605
50s $1,514
60s $1,524
70s $1,802
 

Learn more about how age influences auto insurance rates.

 
 

 

Jackson car insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Jackson pay $150 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Jackson, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Jackson, the gap in car insurance rates between genders is $5 per year, with male drivers paying more than female drivers.

 
JACKSON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $1,741
Male $1,746
Single $1,596
Married $1,596
Divorced $1,727
Widowed $1,652
 

Learn more about the impact gender and marital status have on insurance rates.

 
 

 

Jackson car insurance premiums by violation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Jackson drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,015 per year versus the city average. A ticket for speeding results in a $486 rate hike while a DWI or DUI violation costs $1,172per year in extra insurance expenditures.

 
JACKSON CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Citation Average Yearly Rate
DWI/DUI $2,918
Reckless Driving $2,761
At-fault Accident (damages less than $1,000) $2,394
At-fault Accident (damages greater than $2,000) $2,658
Speeding Ticket (16-20 mph over speed limit) $2,232
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Jackson auto insurance costs by credit level

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Jackson drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 55% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Jackson, improving your credit to "Fair" could help you earn a $1,154 decrease in yearly insurance premiums.

 
JACKSON CAR INSURANCE RATES BY CREDIT SCORE
Credit Level Average Yearly Rate
Very Poor $3,243
Fair $2,089
Good $1,746
Very Good $1,587
Exceptional $1,463
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.