Car insurance in Jackson, Mississippi is more expensive than the rest of the nation. Jackson residents pay an average of $1,976 per year for full coverage and $594 for basic coverage. According to data pulled from Quadrant Information Services, the cheapest car insurance premiums on average in Jackson come from USAA and State Farm.
Bankrate’s editorial team looked at several factors including price, coverage and third-party ratings to determine Jackson’s best affordable car insurance for 2021.
Jackson’s best car insurance companies
To choose the best car insurance companies in Jackson, we considered criteria such as customer satisfaction scores, financial strength, average premium cost as quoted by Quadrant Information Services, coverage options and available discounts. These five companies were able to maintain a strong balance between each.
Allstate
Allstate is the only company that offers rideshare insurance. This means that if you are a driver for Uber or Lyft, it will only cost a few more dollars to add this coverage option. Allstate also offers a variety of coverage options. These standouts are:
- Coverage for medical payments
- Roadside coverage
- Rental reimbursement coverage
- Personal umbrella policy
- Sound system insurance
If you have students or are one of them, Allstate is a great company to work with. You can receive discounts as long as your age is less than 25, such as maintaining a good GPA, taking the TeenSMART driver education course or garaging your vehicle while you’re away from school.
Metlife
Bundling your Metlife auto insurance policy with other policies could help you save big. Metlife reports that customers who use them for both car and home insurance, save an average of $562 a year. Metlife offers special discounts depending upon where you work and what associations you belong. Drivers who are eligible for this discount will receive an additional 15%
Metlife’s dedication to driver awareness is our favorite part. My Journey is a free app that helps to monitor and reduce distracted driving. Farmers recently purchased MetLife’s auto- and home businesses. Be on the lookout to see if there are any changes once the transaction is complete.
Progressive
Progressive is known for its strong customer service and financial strength (AM Best’s A+ rating for financial stability). These are two important aspects to consider when choosing an insurance company. A company that is able to handle large-scale disasters and one that communicates with customers during and after the crisis are important.
Progressive offers many discounts to drivers. Progressive’s transparency is one of our favourite things. All shoppers can compare rates with other providers to see the probable premium they would receive from each company. It also offers the “Name Your Price” tool. Progressive will give you the coverage options available to you if you tell them your budget.
State Farm
State Farm provides coverage for more drivers in the United States than any other provider and is also the second-cheapest provider.
State Farm has many great things. We love the variety of discounts offered by State Farm. Drivers often find 2-3 discounts right after signing up. Drive Safe and Save is one option. It uses a smartphone app that analyzes your driving habits. You can save on your premium if it likes what you see.
USAA
USAA works only with retired and current military personnel as well as their immediate families. We found it worthwhile to talk with Jackson’s many veterans who have served in Vietnam and the Gulf Wars.
USAA consistently beats its top competitors year after year in customer satisfaction with companies such as J.D. Power (only to be disqualified for ‘winning’ due to its membership requirements). USAA is also financially strong. AM Best rates USAA’s financial strength as an A++, meaning that it could not be stronger.
Jackson has the lowest car insurance
According to our most recent study, Jackson costs, on average, about $262 more annually than the rest of the state for full coverage ($1,976 vs $1,782). Jackson’s national average for full coverage costs $1,674 which is $375 more than Jackson. Jackson is generally more expensive. It’s worth shopping around to find the best deal.
The table below showcases the cheapest car insurance rates in the city from the most popular carriers based on market share (Hint: you may notice some similarities with the list above.) These companies may be the best to choose if you are looking for the best Jackson car insurance rates.
These companies are known for their customer service and financial strength. Every carrier offers amazing discounts, online features, and a tech-friendly approach for claims management. State Farm and Progressive are our favorite mobile apps. They allow you to file a claim online, track the status of your claim, request roadside assistance, or make payments. You can also save with safe driving discounts.
Insurance requirements
Jackson, Mississippi, requires all drivers to have a 25/50/25 policy. This means that you need to have enough insurance to cover Jackson if you plan to drive.
- $25,000 per person to cover bodily injury/death
- $50,000 for bodily injury/death
- $25,000 per accident to cover property damage
Rate shopping doesn’t have to be limited to minimum rates. For example, if you are looking to lease or finance a car, you may need full coverage. Contrary to what you might think, it is not unusual for a company not to offer full coverage but not the minimum.
Car insurance discounts in New York
- Defensive Driving Course
- Good student
- Multi-car/Multi-policy
- Safe driving
- Anti-Theft
Many national providers offer multiple options for customers to lower their car insurance. Jackson, Mississippi offers the best value for money. This includes multiple car insurance, as well as condo, homeowners, and renters insurance. It’s possible to save up to 25% by choosing one or both of these routes.
Jackson State University is your school. Are you a parent of a teenager driving? You might consider letting your hard work pay off if he or she maintains a B average. State Farm offers savings of up to 25% for students who are good enough until they reach 25.
Questions frequently asked
Which is the best auto insurance company?
There are many factors that will determine which car insurance company is best for you. When calculating your premiums, insurers take into consideration your vehicle’s make, model, age, gender, risk profile, and other factors. The type of coverage you need, the amount of coverage you require and any discounts you are eligible for will also affect how much you pay. To learn about some of our favorite companies, read The Best car insurance companies for 2021.
What is the cost of Jackson car insurance?
Jackson drivers pay on average $594 for basic coverage and $1,976 to get full coverage.
Jackson, how much car insurance do you need?
Mississippi law requires that all drivers have a 25/50/25 policy. This may seem like a lot but it’s not if you are in an accident. If you don’t consider medical bills, $25,000 doesn’t seem like a lot when it comes to property damages. New cars can cost as high as $50,000. You will be responsible for any costs incurred if you damage one.
Is Mississippi a state of no-fault?
Mississippi is not a state of no-fault. It is a tort country. It means that the at-fault driver is financially responsible for any damage they cause.