Car Insurance Cost in Jackson, MS – Over 150 Vehicles Compared

• Jackson car insurance rates average $2,016 per year for full coverage, or around $168 per month.
• Monthly auto insurance rates for a few popular models in Jackson include the Jeep Cherokee at $181, Nissan Rogue at $151, and Ford Escape at $153.
• For cheap auto insurance in Jackson, SUV models like the Hyundai Venue, Toyota Corolla Cross, and Chevrolet Trailblazer have better car insurance rates.
• Models with the most affordable car insurance in Jackson in their respective segments include the Mercedes-Benz CLA250 ($2,074 per year), Acura RDX ($1,686 per year), Chevrolet Tahoe ($1,892 per year), and Nissan Titan ($1,884 per year).

How much does Jackson car insurance cost?

Average car insurance rates in Jackson cost $2,016 per year, or around $168 per month. That’s 6.8% more expensive than the overall national average rate of $1,883 per year.

In the state of Mississippi, the average cost to insure a vehicle is $1,866 per year, so the average cost in Jackson is $150 more per year. When compared to other cities in Mississippi, the cost of car insurance in Jackson is $204 per year more than in Hattiesburg, $86 per year more than in Biloxi, and $156 per year more than in Southaven.

The age of the rated driver is one of the biggest determining factors on the price of car insurance. The list below illustrates this by showing average car insurance rates in Jackson depending on driver age.

Average car insurance cost for Jackson drivers age 16 to 60

• 16-year-old rated driver – $7,181 per year or $598 per month
• 17-year-old rated driver – $6,959 per year or $580 per month
• 18-year-old rated driver – $6,239 per year or $520 per month
• 19-year-old rated driver – $5,681 per year or $473 per month
• 20-year-old rated driver – $4,056 per year or $338 per month
• 30-year-old rated driver – $2,152 per year or $179 per month
• 40-year-old rated driver – $2,016 per year or $168 per month
• 50-year-old rated driver – $1,788 per year or $149 per month
• 60-year-old rated driver – $1,674 per year or $140 per month

The chart below shows average car insurance rates in Jackson for 2024 model year vehicles by driver age and policy deductible amounts.

In the chart above, the cost of auto insurance in Jackson ranges from $1,416 per year for a 60-year-old driver with a high deductible policy to $4,718 per year for a 20-year-old driver with low physical damage deductibles. From a monthly budget standpoint, the average cost in the chart above ranges from $118 to $393 per month.

Jackson auto insurance rates can be extremely variable and are impacted by many different factors. The likelihood of significant rate variability reinforces the need for accurate car insurance quotes when looking for the cheapest policy.

Insuring Jackson’s favorite cars, trucks, and SUVs

The prior rates consist of an average based on every 2024 vehicle model, which is practical when making generalized comparisons such as the difference in average car insurance cost between two Mississippi cities.

Average car insurance rates work very well when answering questions like “is auto insurance cheaper in Jackson or Gulfport?” or “is Mississippi auto insurance cheaper than Arizona?”.

For deeper price comparisons, however, the data will be better if we use rates for the exact make and model of vehicle being insured. Every car, truck, SUV and minivan has it’s own risk profile for determining the cost of car insurance and this data provides for detailed comparisons.

This next chart breaks down average auto insurance rates in Jackson for some of the more popular models.

The models that have high popularity in Jackson tend to be small or midsize cars like the Honda Civic, Hyundai Elantra, and Kia K5 and small or midsize SUVs like the Honda CR-V and Ford Explorer.

A few additional popular vehicles in Jackson from other segments include luxury models like the Acura ILX and Infiniti QX60, pickup trucks like the Chevy Silverado and Toyota Tacoma, and sports cars like the Chevy Corvette and Ford Mustang.

We will cover many more car rates in a little bit, but before we get into that, let’s take a quick look at some of the key ideas covered so far.

• Jackson car insurance cost is more than the U.S. average – $2,016 (Jackson average) versus $1,883 (U.S. average)
• Insuring teen drivers costs a lot – Average rates range from $4,804 to $7,181 per year to insure a teenage driver in Jackson.
• Average cost per month ranges from $140 to $598 – That’s the average auto insurance price range for drivers age 16 to 60 in Jackson.
• Lower deductible insurance is more expensive than high deductible – A 40-year-old driver pays an average of $652 more per year for $250 deductibles versus $1,000 deductibles.
• Jackson auto insurance rates are more expensive than the Mississippi state average – $2,016 (Jackson average) versus $1,866 (Mississippi average)
• Car insurance rates decline a lot between ages 20 and 30 – The average 30-year-old Jackson driver will pay $1,904 less each year than a 20-year-old driver, $2,152 compared to $4,056.

In Jackson, which vehicles are cheapest to insure?

The vehicles with the cheapest auto insurance rates in Jackson tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision. Average car insurance quotes for those compact SUVs cost $136 or less per month for a policy with full coverage.

Examples of other models that have low-cost auto insurance quotes in the comparison table below are the Volkswagen Taos, Subaru Outback, Ford Bronco Sport, and Nissan Murano. The average rates are somewhat higher for those models than the cheapest small SUVs and crossovers at the top of the list, but they still have an average insurance cost of $144 or less per month.

The following table lists the cheapest vehicles to insure in Jackson, ordered by annual cost.

The above table containing 20 vehicle rankings is fine if you just want the lowest rates. But considering we track over 700 vehicles, there is a lot of rate data no being shown. Let’s dig deeper into the data and reorganize the cheapest models a slightly different way.

The section below illustrates the cost of auto insurance based on automotive segment. The rates shown will provide a better idea of which segments have the most affordable Jackson car insurance rates. The six sections after the chart will break out the vehicles with the cheapest insurance rates in each individual segment.

Jackson car insurance rates by automotive segment

When shopping for a different vehicle, it’s advantageous to know which categories of vehicles are less expensive to insure. To illustrate this, some people wonder if midsize cars have more affordable insurance than midsize SUVs or if luxury cars have cheaper insurance than sports cars.

The chart below shows average auto insurance rates in Jackson for different vehicle segments. From an overall average perspective, compact and midsize SUVs, vans, and midsize pickups have the most affordable rates, while sports cars and performance luxury models have the most expensive overall auto insurance rates.

Rates by different vehicle segments are practical to form a general comparison, but cost ranges considerably within each vehicle category displayed in the above chart.

For example, in the small luxury car segment, car insurance rates in Jackson range from the Acura Integra costing $1,792 per year for full coverage insurance up to the BMW M340i at $2,464 per year.

For another example, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe at $1,892 per year up to the Toyota Sequoia costing $2,524 per year.

In the next parts of this article, we remove some of this variability by analyzing the cost of auto insurance in Jackson at a model level.

Cheapest car insurance rates in Jackson

Sitting at number one in Jackson for cheapest average insurance rates in the non-luxury two and four door car segment is the Toyota GR Corolla, with a cost of $1,752 per year. Second place is the Nissan Leaf at $1,766 per year, coming in third is the Honda Civic, at an average of $1,786 per year, and the fourth cheapest is the Nissan Sentra, at an average of $1,848 per year.

Other models that rank well are the Kia K5, Hyundai Ioniq 6, Honda Accord, and Toyota Prius, with average insurance cost of $1,956 per year or less.

Some additional models on the list include the Volkswagen Arteon, Mitsubishi Mirage G4, Toyota Crown, Nissan Versa, and Kia Forte, which average between $1,956 and $2,086 per year for auto insurance.

Car insurance rates for this segment in Jackson will start around $146 per month, depending on your location.

The comparison table below ranks the cars with the cheapest car insurance in Jackson, starting with the Toyota GR Corolla at $1,752 per year and ending with the Mazda 3 at $2,086 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Jackson car insurance quotes from the best car insurance companies in Mississippi.

Cheapest SUVs to insure in Jackson

The most affordable SUVs to insure in Jackson are the Subaru Crosstrek at $1,490 per year, the Chevrolet Trailblazer at $1,516 per year, and the Kia Soul at $1,574 per year.

Not the cheapest, but still in the top 10, are SUVs like the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with average annual insurance rates of $1,652 per year or less.

Car insurance for this segment in Jackson for a good driver will start around $124 per month, depending on your location and insurance company. The table below ranks the SUVs with the lowest-cost average car insurance rates in Jackson, starting with the Subaru Crosstrek at $1,490 per year ($124 per month) and ending with the Honda HR-V at $1,754 per year ($146 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Mississippi.

Cheapest sports cars to insure in Jackson

The top three sports cars with the most affordable auto insurance rates in Jackson are the Mazda MX-5 Miata at $1,866 per year, the Toyota GR86 at $2,124 per year, and the Ford Mustang at $2,216 per year.

Not the cheapest in the list, but still ranking well, are models like the BMW M2, Nissan Z, Toyota GR Supra, and Subaru BRZ, with average rates of $2,410 per year or less.

On a monthly basis, auto insurance in this segment can cost as low as $156 per month, depending on the company and your location. The next table ranks the twenty sports cars with the cheapest average car insurance rates in Jackson, starting with the Mazda MX-5 Miata at $1,866 per year ($156 per month) and ending with the Porsche Taycan at $3,416 per year ($285 per month).

Don’t see your sports car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Jackson.

Cheapest pickup truck insurance rates in Jackson

Ranking at the top for the most affordable Jackson auto insurance rates in the pickup truck segment are the Ford Maverick, Nissan Titan, Nissan Frontier, Chevrolet Colorado, and Ford Ranger. Insurance rates for these models average $1,954 or less per year, or around $163 per month.

Not the cheapest in the list, but still ranking well, are trucks like the Honda Ridgeline, Toyota Tacoma, GMC Canyon, and Hyundai Santa Cruz, with an average cost of $2,076 per year or less.

Auto insurance in this segment for the average driver starts at around $144 per month, depending on the company and your location.

The comparison table below ranks the pickups with the lowest-cost average car insurance rates in Jackson, starting with the Chevrolet Colorado at $1,726 per year ($144 per month) and ending with the Ram Truck at $2,334 per year ($195 per month).

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Mississippi.

Cheapest luxury cars to insure in Jackson

Ranking in the top five for the most affordable Jackson auto insurance rates in the luxury car segment are the Lexus IS 300, BMW 330i, Acura Integra, Acura TLX, and Mercedes-Benz CLA250. Auto insurance quotes for these 2024 models average $2,086 or less per year, or around $174 per month.

Not the cheapest, but still in the top 10, are models like the Lexus RC 300, Lexus ES 350, Cadillac CT4, and Mercedes-Benz AMG CLA35, with an average cost of $2,118 per year or less.

Some additional 2024 luxury models that make the list include the Jaguar XF, BMW 230i, Lexus ES 250, BMW 228i, and Audi S3, which cost between $2,118 and $2,262 to insure per year.

Full-coverage car insurance in this segment starts at an average of $149 per month, depending on where you live.

The cheapest compact luxury car to insure in Jackson is the Acura Integra at $1,792 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,074 per year. And for full-size luxury cars, the Audi A5 has the cheapest rates at $2,390 per year.

The next table ranks the twenty cars with the most affordable auto insurance rates in Jackson, starting with the Acura Integra at $1,792 per year ($149 per month) and ending with the Audi S3 at $2,262 per year ($189 per month).

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see your luxury car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Mississippi.

Cheapest luxury SUVs to insure in Jackson

Taking the top spot in Jackson for cheapest average insurance in the luxury SUV segment is the Acura RDX, at $1,686 per year. Second place is the Lexus NX 250 costing $1,784 per year, ranking third is the Cadillac XT4, costing an average of $1,822 per year, and the fourth cheapest is the Jaguar E-Pace, at an average of $1,886 per year.

Also ranking well are models like the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 350h, with an average cost to insure of $1,942 per year or less.

From a cost per month standpoint, car insurance rates in this segment will start around $141 per month, depending on the company.

If ranked by vehicle size, the cheapest small luxury SUV to insure in Jackson is the Acura RDX at $1,686 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,886 per year. And for full-size luxury models, the Infiniti QX80 is the cheapest model to insure at $2,262 per year.

The table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Jackson, starting with the Acura RDX at $141 per month and ending with the Lexus NX 350 at $169 per month.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Jackson car insurance quotes from top-rated car insurance companies in Mississippi.

How to save on auto insurance in Jackson

Drivers should always be searching for ways to cut the monthly cost of car insurance, so scan the savings tips in this next list and maybe you’ll be able to save a few bucks on your next policy purchase.

• Choose a vehicle that is cheaper to insure. Vehicle type is a big factor in the price you pay for insurance. As an example, a Volvo XC40 costs $1,738 less per year to insure in Jackson than a Acura NSX. Lower performance vehicles cost less to insure.
• Avoiding accidents makes for cheaper car insurance in Jackson. Having frequent accidents may increase rates, possibly by an extra $2,884 per year for a 20-year-old driver and even $492 per year for a 60-year-old driver. So drive safe and save money!
• Research policy discounts to save money. Discounts may be available if the policyholders insure their home and car with the same company, drive low annual mileage, drive a vehicle with safety or anti-theft features, are senior citizens, or many other policy discounts which could save the average Jackson driver as much as $340 per year on the cost of car insurance
• Remove unneeded coverage on older cars. Deleting comprehensive and collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of car insurance substantially.
• Polish up your credit rating for lower rates. Maintaining a high credit score could save around $317 per year compared to a credit rating of 670-739. Conversely, a poor credit rating could cost around $367 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare the cost of insurance before buying a car. Different models, and even different trim levels of the same model, can have very different insurance premiums, and companies can sell policies with a wide range of prices. Get quotes to compare the cost of insurance before you buy a different vehicle in order to avoid price shock when buying coverage for your new car.
• Shop around and save. Take a couple of minutes to get some free car insurance quotes can significantly reduce your monthly cost. Rates change often and switching to a different company is very easy to do.