Cheapest Car Insurance Quotes in Jackson

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399,755 Policies Sold

Jackson Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Jackson

The car insurance rate in Jackson is $1703 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $550, making it a popular choice for budget-conscious drivers. Rates in Jackson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Jackson

$1703

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Jackson

1st place: Louisiana Farm Bureau

At $550 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Farm Bureau

Farm Bureau offers auto insurance rates at $1201 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1249 for six months, making it the third cheapest auto insurance company in Jackson.

Jackson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jackson, LA is Louisiana Farm Bureau, offering policies at just $550 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1201.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2429 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jackson drivers find the best deals.

Cheap Car Insurance Companies in Jackson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$550	$92
Farm Bureau	$1201	$202
Southern Farm Bureau	$1249	$208
USAA	$1624	$273
Progressive	$1785	$301
State Farm	$1893	$319
Safeway	$1987	$334
SafeAuto	$2135	$363
Encompass	$2182	$364
Allstate	$2429	$409

Key Takeaways

Way's key takeaways about car insurance in Jackson

The auto insurance costs in Jackson fall around $550 for six months.
The cheapest auto insurance company in Jackson is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Jackson at $141 per month.

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Cheapest Minimum Liability Car Insurance in Jackson

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Jackson are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Jackson. Their Average 6 Month Premium is $262. AAA is the most expensive at $544 for the same period.

Cheapest Liability Coverage in Jackson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$262	$44
Farm Bureau	$409	$69
Southern Farm Bureau	$436	$72
State Farm	$537	$90
USAA	$537	$90
Progressive	$564	$95
Allstate	$731	$123
SafeAuto	$765	$130
Safeway	$806	$136
AAA	$544	$90

Cheapest Full Coverage Car Insurance in Jackson

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Jackson is Louisiana Farm Bureau at $92 per month and $550 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jackson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$550	$92
Farm Bureau	$1201	$202
Southern Farm Bureau	$1249	$208
USAA	$1624	$273
Progressive	$1785	$301
State Farm	$1893	$319
Safeway	$1987	$334
SafeAuto	$2135	$363
Encompass	$2182	$364
Allstate	$2429	$409

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Average Car Insurance in Jackson by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Jackson, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Jackson, Louisiana, may be increasing due to several external factors. Louisiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Jackson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jackson

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1128
30s	USAA	$915
40s	USAA	$843
50s	USAA	$806
60s	USAA	$860
70s	USAA	$881

Cheapest Car Insurance Rates for Teen Drivers in Jackson,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Jackson at $71 per month. At $833 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$429	$71
Farm Bureau	$1886	$321
State Farm	$2423	$408
USAA	$3075	$523
Safeway	$4678	$780
Allstate	$5027	$854
Progressive	$5316	$895
AAA	$833	$141

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Jackson.

As young drivers face the highest rates in Jackson, USAA offers the cheapest auto insurance rates at $1128 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Jackson, Louisiana Farm Bureau is the cheapest car insurance provider. At $470 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Jackson is State Farm, offering rates of around $7336 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$470	$80
Allstate	$1664	$278
Farm Bureau	$1738	$296
Safeway	$1940	$323
Progressive	$1959	$330
USAA	$2034	$339
State Farm	$7336	$1248

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Car Insurance Rates with An Accident in Jackson

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Jackson, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jackson

The cheapest car insurance companies after an at-fault accident in Jackson include Louisiana Farm Bureau and State Farm, offering $342 and $1020, respectively. Allstate is an expensive provider with an average six-month premium of $1886.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$342	$56
State Farm	$1020	$172
Farm Bureau	$1242	$207
USAA	$1397	$235
Progressive	$1497	$252
Safeway	$1719	$289
Allstate	$1886	$318

Jackson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jackson LA. For example, the car insurance in Jackson after a DUI increases to $1598 for a six month policy. While the rate increases by $463 for a six-month policy in the case of a speeding ticket.

Jackson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1852	$308
One Med/PIP claim	$1852	$315
Two Med/PIP claims	$1872	$312
Not-at-fault accident	$1879	$320
One comp claim	$1886	$314
Two comp claims	$1954	$332
Failure to wear a seat belt	$2182	$364
Failure to show documents	$2208	$375
Child safety restraint	$2242	$374
Driving without lights	$2242	$381
Driving with expired registration	$2283	$381
Driving too slowly	$2315	$393
Speeding 11 - 15 MPH over limit	$2315	$386
Speeding 16 - 20 MPH over limit	$2315	$393
Speeding 6 - 10 MPH over limit	$2315	$386
Speeding in school zone	$2315	$393
In 65 MPH zone	$2322	$388
Cell phone violation	$2342	$398
Texting while driving	$2342	$391
Wrong way/wrong lane	$2342	$398
At-fault accident - less than $1000	$2356	$392
Failure to stop at a red light	$2356	$401
Failure to yield	$2356	$392
Following too closely	$2356	$401
Illegal turn	$2356	$392
Improper passing	$2356	$401
Passing school bus	$2376	$395
Speeding 21 - 25 MPH over limit	$2376	$405
Open container	$2443	$407
Operating a vehicle without permission	$2611	$444
At-fault accident - $1000-$2000	$2678	$446
At-fault accident - greater than $2000	$2678	$455
Reckless driving	$3235	$539
Refusal to submit to a chemical test	$3289	$559
DUI	$3450	$575
Racing	$3477	$591
Leaving scene of an accident/hit and run	$3504	$584
Driving with a suspended license	$3518	$598

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Jackson after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Jackson.

The cheapest car insurance premiums in Jackson are offered by Louisiana Farm Bureau at $376 for a six-month policy. However, it can be as expensive as $913 with companies like AAA.

Jackson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$376	$64
Farm Bureau	$1288	$215
Southern Farm Bureau	$1550	$263
Progressive	$1765	$297
USAA	$2404	$405
Safeway	$2409	$406
State Farm	$2477	$417
Allstate	$3007	$506
AAA	$913	$155

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Jackson are offered by Louisiana Farm Bureau at $308. However, it can be as expensive as $2155 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jackson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$308	$52
State Farm	$1048	$176
Farm Bureau	$1101	$188
Progressive	$1463	$246
USAA	$1611	$273
Safeway	$1987	$331
Allstate	$2155	$366

Car Insurance Price Trends in Jackson, Louisiana

Car insurance rates in Jackson have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Jackson rose by $342 in December compared to $338 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Jackson rose to $94 in December, compared to $86 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Jackson?

The car insurance in Jackson is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Jackson?

The cheapest car insurance in Jackson is $92 per month for full coverage.

How much is car insurance in Jackson for teenagers?

Car insurance for teenagers costs $429 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Jackson?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $286 per month to insure your car in Jackson.

Is car insurance expensive in Jackson?

Car insurance can be expensive in Jackson if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jackson can be affordable.

What is the best car insurance in Jackson, LA?

The best car insurance company in Jackson LA is Louisiana Farm Bureau, offering $550 for a six-month policy.