Cheapest Car Insurance Quotes in Jackson

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Jackson Car Insurance

^$ 25

/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 $948 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, 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

$948

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Jackson

1st place: AutoOwners Insurance Co

At $462 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $519 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, TN is AutoOwners Insurance Co, offering policies at just $462 for a six-month term. This is followed by Westfield, which has an average six-month premium of $487.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1558 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, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$79
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Erie	$725	$122
Travelers	$757	$127
USAA	$821	$138
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Auto-Owners	$949	$161
Farmers	$1026	$173
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
Nationwide	$1238	$211
State Farm	$1251	$211
Progressive	$1425	$240
Allstate	$1558	$260

Key Takeaways

Way's key takeaways about car insurance in Jackson

The auto insurance costs in Jackson fall around $462 for six months.
The cheapest auto insurance company in Jackson is Westfield.
Teen drivers pay the highest rate in Jackson at $971 per month.

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Save up to $971/yr with our auto insurance quotes

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.

Westfield provides the cheapest minimum car insurance coverage in Jackson. Their Average 6 Month Premium is $148. Allstate is the most expensive at $519 for the same period.

Cheapest Liability Coverage in Jackson, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Auto-Owners Insurance Co	$173	$29
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Tennessee Farmers	$212	$36
USAA	$212	$36
Cincinnati	$218	$37
Erie	$244	$41
Travelers	$244	$41
Penn National	$264	$44
Auto-Owners	$275	$46
Farmers	$301	$51
State Farm	$314	$53
Progressive	$353	$59
Allstate	$519	$87

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 AutoOwners Insurance Co at $79 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jackson, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$79
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Erie	$725	$122
Travelers	$757	$127
USAA	$821	$138
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Auto-Owners	$949	$161
Farmers	$1026	$173
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
Nationwide	$1238	$211
State Farm	$1251	$211
Progressive	$1425	$240
Allstate	$1558	$260

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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, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Jackson, Tennessee, may be increasing due to several external factors. Tennessee 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

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Cheapest Car Insurance Rates for Teen Drivers in Jackson,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Jackson at $29 per month. At $5710 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Tennessee Farm Bureau	$244	$41
Auto-Owners Insurance Co	$257	$43
Grange	$275	$46
Cincinnati	$282	$48
Erie	$949	$160
USAA	$949	$160
Travelers	$1001	$168
State Farm	$1514	$255
Farmers	$1732	$292
Progressive	$2560	$431
Auto-Owners	$3291	$549
Allstate	$5710	$971

Teen Car Insurance Rates in TN by Age

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, Tennessee Farm Bureau is the cheapest car insurance provider. At $205 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 $5376 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$205	$35
Westfield	$269	$45
Grange	$321	$54
Cincinnati	$378	$65
Travelers	$962	$162
Farmers	$1110	$187
USAA	$1135	$189
Progressive	$1277	$215
Erie	$1302	$219
Auto-Owners	$2509	$427
Allstate	$2714	$453
State Farm	$5376	$914

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Save up to $971/yr on car insurance rates in Jackson.

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, TN, 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 Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $179 and $186, respectively. Allstate is an expensive provider with an average six-month premium of $3111.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Westfield	$251	$42
Auto-Owners Insurance Co	$321	$55
Grange	$347	$57
Travelers	$532	$90
Erie	$584	$98
USAA	$596	$100
State Farm	$635	$107
Farmers	$725	$122
Progressive	$1110	$187
Auto-Owners	$1617	$275
Allstate	$3111	$518

Jackson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jackson TN. For example, the car insurance in Jackson after a DUI increases to $1072 for a six month policy. While the rate increases by $206 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	$1071	$178
Not-at-fault accident	$1078	$184
One Med/PIP claim	$1084	$180
One comp claim	$1097	$187
Two comp claims	$1110	$185
Two Med/PIP claims	$1110	$189
Failure to wear a seat belt	$1231	$205
Failure to show documents	$1251	$213
Child safety restraint	$1257	$210
Driving without lights	$1257	$214
Cell phone violation	$1277	$213
Driving with expired registration	$1277	$217
Speeding 6 - 10 MPH over limit	$1277	$213
Driving too slowly	$1283	$218
Speeding 11 - 15 MPH over limit	$1283	$214
Speeding in school zone	$1283	$218
Failure to yield	$1290	$215
Following too closely	$1290	$219
Illegal turn	$1290	$215
Speeding 16 - 20 MPH over limit	$1290	$219
Texting while driving	$1290	$215
Improper passing	$1302	$221
Wrong way/wrong lane	$1302	$217
Failure to stop at a red light	$1309	$222
In 65 MPH zone	$1328	$221
Speeding 21 - 25 MPH over limit	$1360	$231
At-fault accident - less than $1000	$1379	$230
Passing school bus	$1379	$234
Operating a vehicle without permission	$1462	$244
Open container	$1475	$251
At-fault accident - $1000-$2000	$1591	$266
At-fault accident - greater than $2000	$1591	$270
Reckless driving	$2008	$335
Racing	$2014	$342
Driving with a suspended license	$2066	$345
Refusal to submit to a chemical test	$2104	$357
DUI	$2143	$357
Leaving scene of an accident/hit and run	$2143	$364

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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 Tennessee Farm Bureau at $282 for a six-month policy. However, it can be as expensive as $2258 with companies like AutoOwners.

Jackson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$282	$48
Grange	$436	$72
Travelers	$744	$125
Farmers	$853	$144
USAA	$1014	$171
Erie	$1052	$177
Progressive	$1058	$178
Tennessee Farmers	$1244	$207
State Farm	$1257	$212
Allstate	$1931	$325
Auto-Owners	$2258	$384

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 $173. However, it can be as expensive as $2278 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
Westfield	$173	$29
Tennessee Farm Bureau	$179	$30
Auto-Owners Insurance Co	$251	$42
Cincinnati	$264	$44
Chubb	$288	$49
Erie	$622	$105
Travelers	$738	$124
USAA	$757	$129
State Farm	$821	$138
Auto-Owners	$949	$161
Progressive	$1187	$200
Farmers	$1617	$275
Allstate	$2278	$379

Car Insurance Price Trends in Jackson, Tennessee

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 $188 in January compared to $104 of December. In other words, there has been an increase by $84 when you compare January and December.

The average cost of liability insurance in the Jackson rose to $45 in January, compared to $40 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Jackson?

The car insurance in Jackson is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Jackson?

The cheapest car insurance in Jackson is $79 per month for full coverage.

How much is car insurance in Jackson for teenagers?

Car insurance for teenagers costs $173 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 $878 for a six-month policy. It will cost around $160 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 Tennessee

National Average

Cheapest Car Insurance Companies in Jackson

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Jackson Car Insurance Rates by Company

Cheap Car Insurance Companies in Jackson, TN

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, TN

Cheapest Full Coverage Car Insurance in Jackson

Cheapest Full Coverage Car Insurance Quotes in Jackson, TN

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, TN 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,TN

If you are in your twenties N/A 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, Tennessee

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, TN

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

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