Jackson drivers pay an average of $145 per month for car insurance. Are you paying too much?
The average car insurance rate in Jackson, Mississippi, is $1,746 per year. That's pricier than the average in Mississippi ($1,587) and more expensive than the national average of $1,548. Our guide to car insurance in Jackson — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
|Jackson Average (annual)||Mississippi Average||United States Average|
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Jackson's cheapest rates. See below the best options for affordable auto insurance in Jackson. Don't forget to get car insurance quotes based on your driving profile.
|Company||Average Annual Rate|
|Southern Farm Bureau||$1,660|
The best age for car insurance rates as a driver in Jackson is your 50s: drivers in this age group pay an average of $1,514 per year. Drivers in their 60s pay marginally higher rates — $1,524 per year.
Teen drivers pay Jackson's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Jackson is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Jackson is $3,849. That's the biggest gap in premiums between any pair of age brackets.
|Age group||Average Annual Rate|
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Jackson pay $150 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Jackson, single drivers pay more than those who are widowed.
Gender is another factor that can affect car insurance rates. In Jackson, the gap in car insurance rates between genders is $5 per year, with male drivers paying more than female drivers.
|Marital Status/Gender||Average Yearly Rate|
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Jackson drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,015 per year versus the city average. A ticket for speeding results in a $486 rate hike while a DWI or DUI violation costs $1,172per year in extra insurance expenditures.
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,394|
|At-fault Accident (damages greater than $2,000)||$2,658|
|Speeding Ticket (16-20 mph over speed limit)||$2,232|
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Jackson drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 55% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Jackson, improving your credit to "Fair" could help you earn a $1,154 decrease in yearly insurance premiums.
|Credit Level||Average Yearly Rate|