Cheapest Car Insurance Quotes in Jackson

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Jackson Car Insurance

^$ 32

/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 $1095 for a six-month policy, which is $108 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, 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

$1095

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Jackson

1st place: Travelers

At $449 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $562 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $622 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, MI is Travelers, offering policies at just $449 for a six-month term. This is followed by USAA, which has an average six-month premium of $562.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $741 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, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$449	$76
USAA	$562	$95
Encompass	$622	$104
Auto-Owners Insurance Co	$638	$108
Chubb	$671	$112
Auto-Owners	$752	$126
AAA	$767	$129
Farm Bureau Ins of MI	$789	$134
Pioneer State Mutual Ins Co	$859	$143
Progressive	$859	$145
Westfield	$1070	$180
Farm Bureau	$1206	$205
State Farm	$1535	$258
Allstate	$1638	$278
Bristol West	$2135	$356
Farmers	$3319	$564
Hastings Mutual	$741	$124

Key Takeaways

Way's key takeaways about car insurance in Jackson

The auto insurance costs in Jackson fall around $449 for six months.
The cheapest auto insurance company in Jackson is Travelers.
Teen drivers pay the highest rate in Jackson at $879 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.

Travelers provides the cheapest minimum car insurance coverage in Jackson. Their Average 6 Month Premium is $189. Hastings Mutual is the most expensive at $324 for the same period.

Cheapest Liability Coverage in Jackson, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$189	$32
Westfield	$200	$34
USAA	$254	$43
Encompass	$259	$44
Chubb	$276	$46
Auto-Owners Insurance Co	$298	$51
Auto-Owners	$351	$59
Farm Bureau Ins of MI	$384	$66
Progressive	$395	$66
AAA	$470	$80
Farm Bureau	$594	$99
Allstate	$697	$118
Bristol West	$892	$148
State Farm	$956	$161
Farmers	$1724	$288
Hastings Mutual	$324	$54

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 Travelers at $76 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jackson, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$449	$76
USAA	$562	$95
Encompass	$622	$104
Auto-Owners Insurance Co	$638	$108
Chubb	$671	$112
Auto-Owners	$752	$126
AAA	$767	$129
Farm Bureau Ins of MI	$789	$134
Pioneer State Mutual Ins Co	$859	$143
Progressive	$859	$145
Westfield	$1070	$180
Farm Bureau	$1206	$205
State Farm	$1535	$258
Allstate	$1638	$278
Bristol West	$2135	$356
Farmers	$3319	$564
Hastings Mutual	$741	$124

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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, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Jackson, Michigan, may be increasing due to several external factors. Michigan 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	Chubb	$254
30s	USAA	$193
40s	USAA	$185
50s	USAA	$177
60s	Chubb	$162
70s	Chubb	$177

Cheapest Car Insurance Rates for Teen Drivers in Jackson,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Jackson at $37 per month. At $5275 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$222	$37
Westfield	$238	$40
Encompass	$259	$44
Chubb	$308	$53
Auto-Owners Insurance Co	$324	$54
Grange	$421	$72
USAA	$854	$144
Auto-Owners	$1022	$172
AAA	$1362	$229
Farm Bureau	$1962	$334
Progressive	$2103	$354
Allstate	$3546	$603
State Farm	$3638	$606
Farmers	$15222	$2588
Bristol West	$5275	$879

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Jackson, Chubb offers the cheapest auto insurance rates at $254 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, Travelers is the cheapest car insurance provider. At $362 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 Farm Bureau Ins of MI, offering rates of around $1146 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$362	$62
Encompass	$373	$62
Progressive	$524	$89
Westfield	$551	$92
Auto-Owners Insurance Co	$584	$99
Pioneer State Mutual Ins Co	$713	$119
Grange	$903	$154
Farm Bureau Ins of MI	$1146	$191

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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, MI, 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 Chubb and Westfield, offering $276 and $292, respectively. Pioneer State is an expensive provider with an average six-month premium of $432.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$47
Westfield	$292	$48
Auto-Owners Insurance Co	$340	$58
Encompass	$384	$64
Farm Bureau Ins of MI	$454	$77
Pioneer State Mutual Ins Co	$502	$84
Travelers	$535	$90
USAA	$671	$113
Progressive	$741	$125
Auto-Owners	$827	$139
AAA	$1059	$178
Farm Bureau	$1476	$246
State Farm	$1681	$286
Allstate	$2611	$435
Farmers	$4665	$794
Pioneer State	$432	$72

Jackson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jackson MI. For example, the car insurance in Jackson after a DUI increases to $2184 for a six month policy. While the rate increases by $1189 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	$1189	$198
Failure to wear a seat belt	$1411	$240
Cell phone violation	$1497	$249
Texting while driving	$1497	$255
Illegal turn	$1502	$250
Wrong way/wrong lane	$1502	$256
Speeding in school zone	$1524	$254
Driving with expired registration	$1535	$261
Failure to stop at a red light	$1552	$258
Improper passing	$1552	$264
Speeding 16 - 20 MPH over limit	$1724	$288
Open container	$2032	$346
Driving with a suspended license	$2276	$379
Racing	$2935	$499
Reckless driving	$3190	$531
Leaving scene of an accident/hit and run	$3271	$556
DUI	$3373	$562

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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 Chubb at $276 for a six-month policy. However, it can be as expensive as $8519 with companies like Allstate.

Jackson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$46
Auto-Owners Insurance Co	$730	$124
Grange	$735	$123
Progressive	$784	$132
Pioneer State Mutual Ins Co	$886	$147
USAA	$956	$161
Travelers	$1087	$181
Auto-Owners	$1643	$277
Westfield	$1789	$301
AAA	$1848	$311
Bristol West	$2530	$421
Farmers	$2594	$437
Farm Bureau	$3070	$511
State Farm	$3865	$651
Allstate	$8519	$1420

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 Westfield at $238. However, it can be as expensive as $10752 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jackson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
Chubb	$276	$46
Encompass	$292	$50
Travelers	$357	$59
Auto-Owners Insurance Co	$379	$65
Farm Bureau Ins of MI	$541	$90
USAA	$562	$96
Grange	$573	$96
Auto-Owners	$789	$134
Progressive	$1157	$195
AAA	$1173	$199
Farm Bureau	$1178	$197
Allstate	$2135	$363
State Farm	$3584	$597
Farmers	$10752	$1828

Car Insurance Price Trends in Jackson, Michigan

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 dipped by $244 in December compared to $250 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Jackson rose to $81 in December, compared to $75 in November. This represents an increase of $6 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 $32 per month, which is lower than the national average.

What is the cheapest car insurance in Jackson?

The cheapest car insurance in Jackson is $76 per month for full coverage.

How much is car insurance in Jackson for teenagers?

Car insurance for teenagers costs $222 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 $1203 for a six-month policy. It will cost around $184 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.

Cheapest Car Insurance Quotes in Jackson

Why you can trust Way?

How Much Is Car Insurance in Jackson

Avg. Car Insurance in Jackson

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Jackson

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Jackson Car Insurance Rates by Company

Cheap Car Insurance Companies in Jackson, MI

Way's key takeaways about car insurance in Jackson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jackson

Cheapest Liability Coverage in Jackson, MI

Cheapest Full Coverage Car Insurance in Jackson

Cheapest Full Coverage Car Insurance Quotes in Jackson, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jackson by Rating Factor

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

Car Insurance Premiums by Age in Jackson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jackson,MI

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

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Jackson

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

Jackson Car Insurance Rates by Violation

Jackson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jackson after a DUI

Jackson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jackson after Speeding ticket

Car Insurance Price Trends in Jackson, Michigan

Average Car Insurance Cost in Jackson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jackson, MI

Car Insurance Rates by State in the USA (2025 Update)

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