Cheap Car Insurance in Jackson, Mississippi
The capital of Mississippi, Jackson, is a soulful city with a lot to offer. Some of Jackson’s most popular attractions include Ship Island, the historic Natchez Trace — swampland that runs through Mississippi, Alabama, and Tennessee — and being the birthplace of Elvis Presley. We are also huge fans of the annual Mississippi State Fair, complete with classic American fares like roasted corn and chicken-on-a-stick.
To drive legally in the state, all Jackson drivers must carry car insurance. Learn more about car insurance in Mississippi, including average rates paid by age, zip code, and nearby regional cities.
Quick Facts
- The city of Jackson has a population of 153,701 people (2020 census)
- Jackson is named after Andrew Jackson, former U.S. president
- One-fifth of Mississippi’s population is based in metropolitan Jackson
- The main airport is Jackson-Evers International Airport
How Much Does Car Insurance Cost in Jackson, Mississippi?
If you live in Jackson, you will pay an average monthly rate of $150 per month for full coverage car insurance, slightly higher than the national average monthly rate of $140 and about the same as the state average of $149 per month. Full coverage offers enhanced vehicle protection and consists of liability car insurance, comprehensive auto insurance and collision car insurance.
If you are looking for the cheapest car insurance in Jackson, Miss., you’ll be wanting the state-required minimum liability insurance, which consists of bodily injury liability insurance and property damage liability insurance. On average, drivers in Jackson will pay $41 per month for this basic coverage. That compares favorably to the national average of $47 per month and is equal to the state average of $41.
Mississippi overall has higher insurance rates than many states because it has more uninsured drivers on the road than most places. There are also pockets of high crime areas with low police presence in Mississippi, including Cleveland, Natchez, Corinth and Vicksburg rounding out the top 4 most dangerous places in Mississippi.
How does Jackson compare with other cities in Mississippi? In different cities across Mississippi, expect to pay these average monthly rates:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Jackson | $150 | $41 |
| Biloxi | $144 | $41 |
| Gulfport | $147 | $44 |
| Hattiesburg | $136 | $36 |
Affordable Car Insurance Rates by Zip Code in Jackson, MS
Your zip code is a key factor in whether your rates are high or low. For example, zip codes with higher reported thefts, acts of vandalism, and crashes are more likely to pay higher rates than low-density zip codes with little to no claims last year.
For your zip code in Jackson, expect to pay these average monthly rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 38829 | $123 | $30 |
| 39056 | $145 | $39 |
| 39174 | $163 | $42 |
| 39179 | $151 | $34 |
| 39201 | $150 | $41 |
| 39202 | $155 | $42 |
| 39203 | $157 | $42 |
| 39204 | $160 | $43 |
| 39205 | $162 | $44 |
| 39206 | $152 | $41 |
| 39207 | $162 | $44 |
| 39208 | $143 | $40 |
| 39209 | $159 | $42 |
| 39211 | $149 | $42 |
| 39212 | $159 | $42 |
| 39213 | $157 | $43 |
| 39216 | $153 | $42 |
| 39217 | $158 | $42 |
| 39218 | $142 | $40 |
| 39225 | $162 | $44 |
| 39232 | $141 | $41 |
| 39272 | $155 | $40 |
Low-Cost Car Insurance Rates by Age in Jackson, MS
Your age also affects the cost of your monthly insurance premiums. Due to a riskier collective driving record, younger drivers aged 16-19 can pay triple the rates as drivers in their 40s and 50s.
For your age group in Jackson, expect to pay these average monthly rates:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $509 | $163 |
| 20s | $172 | $48 |
| 30s | $150 | $41 |
| 40s | $136 | $38 |
| 50s | $127 | $35 |
| 60s | $129 | $37 |
| 70s | $136 | $40 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Mississippi. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Get a Quote for Car Insurance in Mississippi Today!
Driving Conditions in Jackson, Mississippi
How Many Fatal Accidents Happen in Jackson, MS?
In 2019, there were 33 fatal traffic accidents, resulting in 38 fatalities in Jacksonville. There were a total of 55 vehicles and 88 people involved.
In 2020, there were 48 fatal accidents in Jackson.
How Are the Road Infrastructure and Bridges in Jackson, Miss?
Jackson’s Public Works department works around the clock to improve the quality of life for all its residents through planning and implementing key traffic projects. One of its key Infrastructure Management Division works on enhancing the city’s streets, bridges, and pedestrian walkways. Everything from pothole repair to small street resurfacing is in the cards.
For more information on the city of Jackson’s Public Works projects, visit The City of Jackson, Mississippi – Public Works Department.
Minimum Requirements for Car Insurance in Jackson, Mississippi
The Mississippi Insurance Department sets the following minimum level of liability coverage:
- $25,000 for bodily injuries per person
- $50,000 for bodily injuries per accident
- $25,000 for property damage per accident
Remember, you can purchase additional coverage beyond the state’s minimum requirements. Additional coverage includes collision coverage that protects against vehicle-to-vehicle, vehicle-to-object, and rollovers.
You can also add comprehensive coverage, which protects you against damages due to things outside of your control, like weather-related events and vandalism.
And you can raise your liability limits to ensure if you do cause an accident, the amount you pay out of pocket will be minimal for property damage and bodily injury.
What Are the Penalties for Driving Without Insurance in Jackson?
Driving without insurance in Mississippi is not a good idea.
Failure to meet Mississippi’s proof of financial responsibility requirements will result in a driver’s license and registration suspension until proof of insurance is provided. In addition, you will need to pay a $500 fine, lowered to $100 if you have proof of insurance before going to court. Worse, your annual premiums will rise significantly based on your driving record.
The state uses the Mississippi Insurance Verification System (MSIVS) to determine if you carry insurance. Your insurance company is required to report in real time whenever your insurance lapses or your policy is cancelled. This system is used by law enforcement at traffic stops to see if you are carrying at least the state minimum required insurance to drive legally in the state.
What Factors Are Allowed to Determine Your Car Insurance Rates in Jackson, MS
Your auto insurance company uses numerous rating factors to set your insurance premiums. They increase or decrease depending on the following aspects (not a comprehensive list):
- Age
- Gender
- Zip code of residence
- Education
- Marital status
- Occupation
- Make and model of vehicle
- Driving history
Finding ways to lower your car insurance costs include things like taking a hard look at the make and model of the vehicle you drive. Older cars are typically cheaper to insure due to the lower cost of parts and labor after an accident. Do not expect a 2011 Honda Civic to cost the same as a late model year Tesla Model X SUV.
Discounts for Car Insurance in Jackson, Mississippi
Fortunately, there are many ways to obtain the cheapest car insurance in Jackson, Mississippi, including checking out car insurance discounts.
For starters, we advocate keeping a clean driving record for a good driver discount. Expect to see your monthly rate drop if you have a claims-free record for the last three to five years (no moving violations, traffic infractions, or claims). You may also bundle your auto and home insurance policy for savings off of each one.
Other discounts include but are not limited to:
Be sure to call your insurance provider every six months to see what you can qualify for and take advantage of all the discounts available. One phone call could save you $10-$20 each month, which is money better put to use elsewhere.
Get an Online Quote for Low-Cost Car Insurance in Jackson, Mississippi Today!
If you are shopping around for better rates, give Freeway Insurance a call. We are ready to help you and your family whether you are looking for the state minimum required coverage or full coverage with collision and comprehensive insurance.
To get started, request a quote for car insurance online, visit a Jackson office near you, or call 800-777-5620 for a quote. Contact us today!