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Key Takeaways

  • A year's car insurance costs $1758 in Jackson, Mississippi. That is more expensive than the Mississippi average ($1315) and the national average ($1557).
  • Drivers over 60 pay somewhat higher rates ($1542) annually.
  • The city of Jackson follows an at-fault system when it comes to accidents.

How much does car insurance cost in Jackson?

A year's car insurance costs $1758 in Jackson, Mississippi. That is more expensive than the Mississippi average ($1315) and the national average ($1557).

When comparing car insurance quotes in Jackson, MS, consumers save an average of $150.

Jackson rates vs Mississippi and National Average

Average premiums according to age, credit score, driving record, and marital status are included in our guide to auto insurance in Jackson, which was researched and prepared by the team of professional insurance experts at Way.com.

For additional details, continue reading.

Jackson Average (annual) Mississippi Average United States Average
$1758 $1315 $1557

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Jackson Auto Insurance Premiums by Company

Comparing prices from various car insurance companies in Jackson, MS, and selecting the one that best suits your coverage requirements is one of the best methods to save money on Jackson auto insurance. State Farm provides Jackson's most affordable rates for the average motorist.

The best options for cheap car insurance in Jackson are listed below. Get car insurance rates depending on various factors.

Insurance Company Average Rate (annual)
State Farm $1401
Nationwide $1539
Southern Farm Bureau $1671
Progressive $1800

Jackson Auto Insurance Premiums by Age Group

Driving in Jackson is most affordable while you're in your 50s; this age group pays an average of $1527 annually for auto insurance. Drivers over 60 pay somewhat higher rates ($1542) annually.

Jackson's most expensive car insurance rates are for teen drivers. Growing older as a driver in Jackson is one of the simplest methods to reduce your auto insurance costs. In Jackson, there is a $3861 difference in the price of car insurance premiums between young drivers and drivers in their 20s. That shows the highest premium difference between any two age groups.

Age tier Average Yearly Rate
18-24 $1,013
25-34 $509
35-44 $521
55-64 $413
65+ $413

Jackson Auto Insurance Premiums by Marital Status

The marital status influences the cost of a driver's auto insurance. Because they are more prone to file claims, single drivers typically pay more than married drivers. In Jackson, married drivers' auto insurance costs are $150 cheaper than unmarried drivers.

Widowed people also pay far less in rates than single people do. It's interesting to note that single drivers in Jackson pay higher rates than widowed drivers do.

Marital Status Average Annual Rate
Single $1608
Married $1458
Divorced $1737
Widowed $1668

Jackson Auto Insurance Premiums by Gender

Another element that may impact the cost of auto insurance is gender. For example, in Jackson, there is a $9 annual difference between the cost of car insurance for male and female drivers.

Gender Average Annual Rate
Female $1752
Male $1761

Jackson Auto Insurance Premiums by Driving Record

Keep your driving record spotless if you want to keep the cost of your auto insurance low. Insurance firms give low-risk drivers the gift of low rates to incentivize them to drive safely and reward at-fault accidents, DUIs, reckless driving tickets, and speeding tickets.

Regarding car insurance, Jackson drivers found guilty of reckless driving pay a high price; their rates increase by $1029 yearly over the city average. While speeding citations increase rates by $495, a DWI or DUI conviction increases insurance premiums by $1182 yearly.

Incident/Violation Average Yearly Rate
DUI/DWI 2940
Reckless Driving 2787
At-fault Accident 2229
Speeding Ticket 2253

Jackson Auto Insurance by Credit Rating

The credit score is another important component in insurance rating. Car insurance is often more expensive for drivers with poor credit records than those with excellent credit. Jackson drivers who raise their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) get a 55% average reduction in the cost of their car insurance.

A significant step toward lowering the cost of auto insurance is upgrading from "Very Poor" to "Fair" credit. In Jackson, lowering your credit score to "Fair" could result in a $1,154 reduction in your yearly insurance costs.

Credit Score Average Yearly Rate
Very Poor $3255
Fair $2100
Good $1755
Very Good $1596
Exceptional $1476

Jackson Auto Insurance by ZIP Code

Along with other criteria, your ZIP code affects how much your auto insurance will cost. This is because carriers consider variables, including the frequency of accidents, auto thefts, and uninsured drivers in your community. For example, drivers in Jackson who live in ZIP code 39206 must fork over an extra $46 on average than those who live in ZIP code 39209.

ZIP code Annual car insurance rates
39206 $1098
39212 $1140
39209 $1149

What would increase your car insurance rate in Jackson?

The number of uninsured drivers and the frequency of fatal accidents is two location-specific variables affecting car insurance in Jackson, MS. This is in addition to the demands and histories of individual drivers.

The cost of premiums can be significantly impacted by how Jackson compares to the largest cities in the United States in terms of population.

Compared to the category for most accidents with fatalities, Jackson stands in 13th position.

You cannot blame car insurance companies in Jackson, MS, for high car insurance premiums as the state suffers from uninsured motorists. When we compared 50 states that are similar in demographics, size, and population Jackson stands in 2nd position.

Auto theft statistics in Jackson

Car owners in Jackson suffer from regular car thefts in the city of Jackson. Out of 300 cities, we compared Jackson stands at 143rd position. Compared to 2021, there has been a 3% rise in auto thefts in Jackson so far.

Auto insurance requirements in Jackson

Severe fines and penalties for driving without auto insurance deter people from doing it again. If someone is involved in an accident or is stopped and is discovered to be driving without insurance, they may be fined up to $1,000 and have their license suspended for up to a year.

Even if a driver has insurance, failure to present proof of it can result in a fine. However, it's crucial to remember that fines or penalties may be reduced or eliminated if an uninsured driver acquires insurance soon after paying a fine or if proof of a policy is on hand.

Anywhere you drive in Jackson, there's always a danger of getting into an accident. Every day, dangerous and careless drivers make choices that hurt lives. However, laws governing auto insurance are in place to guarantee that victims have access to the money they need for recovery.

Understanding Jackson's car insurance laws are crucial if you live there. This will guarantee that you are following the rules and contributing to the safety of the road.

Minimum Car Insurance Requirements in Jackson

All drivers in Jackson must maintain and carry liability insurance to guarantee that accident victim have access to the compensation they require to recover from a collision. There are strict minimum coverage requirements. Drivers must carry $25,000 in liability insurance for one-person injuries or fatalities, $50,000 for all injuries or fatalities, and $25,000 for property damage.

That insurance applies if you cause an accident while driving or if a family member operates your car and has an accident. However, the policy does not cover damages or injuries sustained by the at-fault party.

Liability insurance covers damages suffered by injured or crash-involved drivers, passengers, and pedestrians, including medical expenses, property damage, and other losses. However, they are only protected up to the limitations of the policy. Therefore, it becomes sensitive to consider obtaining supplemental coverage choices in light of this.

What are the optional coverages provided?

Insurance providers provide a range of coverage alternatives and the bare minimum. These programs can shield drivers from the costs of owning and operating a vehicle. These are some examples of optional coverage:

  • Collision coverage: This kind of coverage covers any damage to your car if you are at fault in an accident or a hit-and-run.
  • Complete coverage: Cars occasionally receive damage in situations without a crash. Protection from events like theft, vandalism, fire, and weather damage is provided by comprehensive coverage.
  • Medical expenses: This coverage will pay for any medical costs not covered by liability if you or another person operating your vehicle causes an accident.
  • Underinsured/Uninsured Driver: This insurance coverage will cover your damages if you are involved in an accident with a driver who is either underinsured or has no insurance.
  • Rental Car Insurance: After an accident, you'll still need a way to get around while your car is fixed or replaced. The rental reimbursement covers the price of a rental car.
  • Labor and towing: Roadside assistance requirements following a non-collision occurrence, such as towing, are covered by this insurance.

At-Fault system in Jackson

Each state has a unique procedure for assessing who was at blame in a car accident. Jackson uses a conventional fault-based approach. This means that the individual who caused the accident is financially liable for any losses incurred due to the accident.

This covers pain and suffering, lost wages, property damage, and injuries brought on by crashes.

According to the state's pure comparative negligence rule, even if victims share some blame, they are still entitled to compensation. However, the amount is reduced. Because there are no set rules for assigning blame, it's usually up to you to convince an adjuster that you had nothing to do with the collision.

Accidents Statistics in Jackson

In Mississippi, there are roughly 26 car accident fatalities per 100,000 persons. In the entire country, this has the highest per-capita traffic death rate. It is more than twice as many as the yearly 13 deaths per 100,000 persons. In addition, it is more than five times greater than the U.S. region with the lowest death rate.

Additionally, Mississippi frequently ranked first in the nation for road deaths. In fact, except for three years, Mississippi has consistently had the highest number of traffic fatalities countrywide since 1999. According to the Centers for Disease Control and Prevention (CDC), 14,786 persons in Mississippi lost their lives in automobile accidents between 1999 and 2016.

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Tips for Driving Safely in Jackson

Many historic locations in Jackson, the state capital of Mississippi, were important to the civil rights struggle. Jackson is a fun destination to visit with family and friends, even though many motorists may pass through on Interstate 55 when traveling to New Orleans or on a road trip. It's time for visitors to discover all of Jackson's wonderful attractions!

Mississippi is a state in the southern region of the country. The state shares boundaries with Tennessee on the north, Alabama on the east, Arkansas, and Louisiana on the west. The Mississippi River traverses the western part, and the town of Jackson, which has stunning scenery, is located directly in the middle.

Over 5 million people live in five-county metropolitan areas around Jackson. The following are a few of the main thoroughfares and roads in Jackson, Mississippi:

Interstate 20, Terry Road, Pascagoula/Pearl Street, US 80, US 51/State Street, US 49/Medgar Evers Boulevard, Interstate 220, and Interstate 55

Driving in Jackson is simpler than in other major metropolitan centers, thanks to the several major highways and important roads. While visiting Jackson, it is advised that you use your chosen travel maps; examples include MapQuest, Bing Maps, TravelMate, and Google Maps. However, there are other ways besides a car, such as public transportation or bus routes.

The City of Jackson's Department of Planning and Development's Transit Services Division, which is part of the Office of City Planning, operates the fixed bus routes that make up the JTRAN. In Jackson, it offers fixed-route and demand-responsive bus services. Along each route, bus stations are spaced around every quarter mile. The JTRAN sign can be used by riders to locate stops.

One-way rides cost $1.50 under the Basic Pricing, or you may purchase weekly or monthly passes for $42 or $15 per week. You may qualify for a discount if you are a senior, disabled, Medicare beneficiary, student, or youngster.

Any highway or road, regardless of where it is, can be hazardous for vehicles. But, according to a map of Jackson, I-55 and I-20 saw the most accident activity.

The crossroads of Mississippi State Road 25 and Interstate 55 appear to be where accidents happen the most frequently.

The intersection of I-55 and I-20 on the south side of Jackson and State Street is another location where accidents frequently occur.

It's important to keep up with the usual traffic patterns when traveling through Jackson and to be mindful of anything that can cause a delay. If there is any traffic, you can avoid it by choosing a different route or departing early, ensuring you reach your destination on time.

Follow our advice and be ready at all times to reduce your chances of encountering issues.

The price of a speeding ticket in Mississippi varies depending on the location and speed of the offender (i.e., how many miles per hour the driver was driving over the limit). In Mississippi, a speeding violation typically costs between $150 and $300.

Mississippi does not employ a point system, even though most states do so to keep track of reckless, dangerous, or careless drivers. Every moving offense, nevertheless, is noted by the state on a driver's driving record. The state may suspend a driver's license if they receive too many driving offenses. Each subsequent infraction will result in greater sanctions, such as license revocation.

Driving Conditions in Jackson, MS

Knowing the weather along your route can help make every trip safe and enjoyable, whether driving to work or taking a road trip.

  • Average Rain Amount - 3.8 mm
  • Max Wind Gusts - 50 km/h
  • Average Cloud Cover - 65%

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How much is car insurance in Jackson?

A year's car insurance costs $1758 in Jackson, Mississippi.

Is car insurance expensive in Jackson?

Car insurance in Jackson is more expensive than the Mississippi average ($1315) and the national average ($1557).

When comparing car insurance quotes in Jackson, MS, consumers save an average of $150.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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