Buy Cheap Jackson, MS Auto Insurance
On average, Jackson, MS auto insurance costs $327 per month or $3,932 annually. USAA is the cheapest Jackson, MS auto insurance company, followed by Nationwide. However, your rates depend on your age, driving record, and coverage requirements. Legally, all Jackson drivers must carry at least the Mississippi auto insurance minimums of 25/50/25 in liability coverage to use the roads.
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UPDATED: Jul 16, 2021
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- Jackson, MS auto insurance costs $327 per month or $3,932 annually on average
- USAA sells the cheapest average quotes in your city, followed by Nationwide
- Moderate traffic congestion and high vehicle theft rates influence your regional insurance costs
Jackson, Mississippi residents are in luck. Your Jackson, MS auto insurance rates are average compared to other major cities in your state.
Keep reading to compare actual insurance premiums from the top companies in Jackson and learn how to secure cheap Mississippi auto insurance regardless of your age, driving history, and coverage needs.
When you’re ready, enter your ZIP code into our free rate tool above to immediately receive Jackson, MS auto insurance quotes.
What is the cheapest auto insurance company in Jackson, MS?
The cheapest Jackson, MS auto insurance company is USAA. However, only military personnel can use this company.
Nationwide offers the next most affordable Jackson, MS auto insurance quotes and is available to everyone.
In the list below, compare the average annual premiums from the leading insurance providers in Jackson:
- USAA – $2,305.04
- Nationwide – $2,944.48
- State Farm – $3,445.78
- Travelers – $3,734.86
- GEICO – $4,266.85
- Liberty Mutual – $4,495.71
- Progressive – $4,773.75
- Allstate – $5,493.87
Your insurance quotes vary from company to company because each provider uses a different formula to calculate auto insurance costs.
Therefore, to find the best company for you, compare quotes from multiple providers online.
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What auto insurance coverage is required in Jackson, MS?
All Jackson drivers must carry at least the Mississippi minimum auto insurance limits to legally drive on the roads.
Currently, Mississippi requires the following levels of coverage:
- $25,000 per person and $50,000 per incident in bodily injury liability coverage
- $25,000 per incident in property damage liability coverage
Mississippi is an at-fault or tort state. Your mandatory liability auto insurance pays for the other driver’s damages if you ever cause an accident.
Keep in mind this is a basic policy. Many experts recommend investing in full coverage auto insurance for all-inclusive protection.
In truth, Mississippi has the highest rate of uninsured drivers in the county.
Therefore, it is wise to consider adding protection against uninsured motorists to your Jackson, MS auto insurance policy.
What affects auto insurance rates in Jackson, MS?
Moderate traffic congestion and a high car theft rate in your city impact your regional Jackson insurance costs.
INRIX ranks Jackson, MS as the 111th-most congested city in America. Drivers in your city lose an average of six hours to backed-up traffic.
According to City-Data, the average commute length for Jackson drivers is 20.3 minutes.
Spending substantial time driving during rush hour increases your accident risk.
Unfortunately, auto theft rates in Jackson are substantially higher than the state average, which negatively impacts your insurance costs. The Federal Bureau of Investigation (FBI) recorded 747 car thefts in your city in 2017.
Another major issue in Mississippi as a whole, and one that can affect auto insurance rates, is drunk driving. Our study on the worst states for drunk driving found Mississippi to have the highest rate of drunk driving deaths at nearly 9 for every 100,000 residents.
Getting a DUI can cause your insurance rates to double, if your insurance company doesn’t drop you altogether.
Jackson, MS Auto Insurance: The Bottom Line
Overall, Jackson’s auto insurance premiums are average for the state of Mississippi.
By comparing rates online and asking about auto insurance discounts, you’ll quickly secure cheap Jackson insurance quotes.
Now that you’re ready to buy Jackson, MS auto insurance, enter your ZIP code into our free quote tool below to start shopping.