Jackson Car Insurance

The Zebra
May 30, 2018

Car Insurance in Jackson

Jackson premiums surpass Mississippi's average by 6%, which is why the city is recognized for its expensive premiums, so if you are insuring a vehicle in Jackson, understanding premium costs is vital. Why don't we take a look at how to save on car insurance in Jackson?

  • City Average: $1,904
  • State Average: $1,800
  • National Average: $1,427

Jackson Car Insurance by Gender and Marital Status

Marital status and gender can affect your car insurance premiums in Jackson. You can save close to $170 per year if you're married as opposed to single. Rates for those who are widowed or divorced are moderately cheaper than rates for those who are single. $38 is the amount by which men's and women's car insurance premiums vary.

  • Female: $1,866
  • Male: $1,904
  • Single: $1,904
  • Married: $1,736
  • Divorced: $1,856
  • Widowed: $1,816

Jackson Car Insurance by Accident or Violation History

Do you have an accident or violation history? That can have an impact on your car insurance premiums. In general, a DUI in Jackson will cost you 46% more in car insurance premiums versus the city average of $1,904. Reckless driving will also push your rates up, with average rates of $2,791, which are 47% higher than the city average. Do you want to increase your premiums by a whopping $403? If not, keep an eye on your speedometer because a ticket for speeding by 16-20mph in Jackson will trigger that increase.

  • DUI: $2,784
  • Reckless Driving: $2,791
  • At-fault Accident (damages less than $1000): $2,705
  • At-fault Accident (damages greater than $2000): $2,705
  • Speeding Ticket (16-20 mph over speed limit): $2,307

Jackson Car Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $7,542 on average. In Jackson, when drivers hit their 20s, therefore moving out of the teenage age range, they reduce their premiums by 66%, which is the largest difference you'll see between any age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. When you look across all age groups, drivers in their 50s have the smallest rates. Their rates normally average $1,594 per year. Those in their 60s ($1,596) have premiums that aren't much higher.

  • Teenagers: $7,542
  • 20s: $2,576
  • 30s: $1,861
  • 40s: $1,695
  • 50s: $1,594
  • 60s: $1,596
  • 70s: $1,904

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Jackson Car Insurance by Credit Rating

People with Exceptional credit (800-850) pay an average of 54% less every year for car insurance than those with Very Poor credit (300-579). Drivers will see the biggest percent drop in premiums when they boost their credit from Good (670-739) to Very Good (740-799). That change can save them 18% per year.

  • Very Poor: $3,583
  • Fair: $2,967
  • Good: $2,437
  • Very Good: $1,994
  • Exceptional: $1,648