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Car insurance in Jackson, Tennessee, is lower than the national average, at $104 per month. Still, the city’s rates are slightly higher than the state average, likely due to its high rates of vehicle thefts and accidents.[1]
But it’s possible to score even lower rates from companies like Sun Coast, State Farm, and Mile Auto. The cheapest average rate we found is $48 per month.
We compared car insurance quotes to find the cheapest insurers in Jackson for various driver types. We’ll also provide tips to help you pick the right insurance company and save on your auto insurance policy.
The cheapest car insurance company in Jackson is Sun Coast, averaging $48 per month.
Jackson drivers pay around $67 per month for liability coverage and $140 for full-coverage auto insurance.
Tennessee’s auto insurance law requires all drivers to have at least 25/50/25 liability coverage and 25/50 uninsured motorist coverage.[2]
Regardless of average rates in Jackson, many drivers can still find more affordable auto insurance. Several companies offer cheaper-than-average premiums, including the five insurers in the table below, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Sun Coast | $48 |
| Mile Auto | $49 |
| State Farm | $49 |
| Certainly | $54 |
| Progressive | $55 |
| Direct Auto | $56 |
| USAA | $58 |
| AssuranceAmerica | $62 |
| GEICO | $63 |
| Freedom National | $66 |
| Auto-Owners | $67 |
| Travelers | $67 |
| The General | $68 |
| Erie | $72 |
| Trexis | $72 |
| Safeco | $78 |
| Trexis One | $80 |
| GAINSCO | $83 |
| Dairyland | $84 |
| Mendota | $86 |
| Allstate | $89 |
| First Acceptance | $92 |
| National General | $92 |
| Farmers | $97 |
| Liberty Mutual | $103 |
| Foremost | $104 |
| Bristol West | $105 |
| Root | $105 |
| Elephant | $110 |
| Nationwide | $119 |
| Chubb | $139 |
| State Auto | $185 |
Sun Coast offers the lowest insurance rates in Jackson, averaging $48 per month.
But these are just broad averages. In the following sections, we break down which companies offer the cheapest rates for the top rating factors insurers use to determine pricing.
Get personalized quotes from top insurers and save money today.
Although the companies above are good options to start comparing quotes, personal factors like your age, driving record, credit, and coverage levels will determine where you can find the best rates.
The table below shows the cheapest companies for different backgrounds and coverage choices, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Sun Coast | $48 |
| Full coverage | Mile Auto | $92 |
| Teens | Sun Coast | $98 |
| Seniors | Sun Coast | $41 |
| Drivers with a speeding ticket | Sun Coast | $63 |
| Drivers with an at-fault accident | Sun Coast | $67 |
| Drivers with a DUI | Sun Coast | $69 |
| Drivers with excellent credit | Sun Coast | $43 |
| Drivers with poor credit | Sun Coast | $60 |
Next, we’ll take a look at which companies offer the cheapest rates for each driver and coverage type category.
Drivers in Jackson pay an average of $67 per month for state-minimum liability coverage, according to Compare.com data. Although it meets the state’s minimum requirements, most experts recommend buying more liability coverage to protect you financially if you cause an accident.[3]
But if the state minimum is what you opt for, the chart below shows Jackson’s five cheapest companies for liability coverage, according to our research.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $48 |
| Mile Auto | $49 |
| State Farm | $49 |
| Certainly | $54 |
| Progressive | $55 |
| Direct Auto | $56 |
| USAA | $58 |
| AssuranceAmerica | $62 |
| GEICO | $63 |
| Freedom National | $66 |
| Auto-Owners | $67 |
| Travelers | $67 |
| The General | $68 |
| Erie | $72 |
| Trexis | $72 |
| Safeco | $78 |
| Trexis One | $80 |
| GAINSCO | $83 |
| Dairyland | $84 |
| Mendota | $86 |
| Allstate | $89 |
| First Acceptance | $92 |
| National General | $92 |
| Farmers | $97 |
| Liberty Mutual | $103 |
| Foremost | $104 |
| Bristol West | $105 |
| Root | $105 |
| Elephant | $110 |
| Nationwide | $119 |
| Chubb | $139 |
| State Auto | $185 |
Some drivers need more than the minimum and choose full coverage. It includes liability, plus comprehensive and collision auto coverage for your vehicle, which lenders usually require if you finance or lease your car.
Full coverage may also include medical payments coverage for your injuries and customizable add-ons like gap insurance or roadside assistance.
The average driver in Jackson pays $140 per month for full-coverage auto insurance. But you can typically get full coverage for close to the average liability premium in Jackson.
The chart below shows the five most affordable insurers in Jackson for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $92 |
| Sun Coast | $92 |
| Progressive | $106 |
| State Farm | $107 |
| Direct Auto | $124 |
| USAA | $127 |
| GEICO | $140 |
| Safeco | $141 |
| Travelers | $147 |
| Auto-Owners | $148 |
| National General | $149 |
| Certainly | $152 |
| Erie | $157 |
| AssuranceAmerica | $160 |
| Elephant | $165 |
| Trexis | $167 |
| Root | $176 |
| Trexis One | $191 |
| Liberty Mutual | $196 |
| The General | $196 |
| Allstate | $198 |
| Mendota | $206 |
| GAINSCO | $207 |
| Farmers | $213 |
| Freedom National | $227 |
| Bristol West | $230 |
| First Acceptance | $239 |
| Foremost | $239 |
| Dairyland | $251 |
| Nationwide | $262 |
| Chubb | $307 |
| State Auto | $409 |
Teen drivers lack experience behind the wheel and are almost four times as likely to get into an accident as older drivers, resulting in the most expensive rates of any age group.[4] Unsurprisingly, young drivers in Madison County have the second-highest crash rates in Tennessee.[5]
In Jackson, teens pay an average of $212 per month for auto insurance, but finding a good deal on coverage is still possible.
Here are the five cheapest companies in Jackson for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $98 |
| State Farm | $101 |
| Mile Auto | $106 |
| Certainly | $110 |
| Progressive | $112 |
| USAA | $114 |
| Direct Auto | $114 |
| GEICO | $120 |
| The General | $127 |
| Freedom National | $134 |
| Erie | $140 |
| Auto-Owners | $142 |
| Trexis | $147 |
| Travelers | $147 |
| Dairyland | $153 |
| GAINSCO | $161 |
| Trexis One | $163 |
| Safeco | $166 |
| Mendota | $175 |
| Allstate | $186 |
| First Acceptance | $187 |
| Root | $193 |
| Liberty Mutual | $193 |
| National General | $197 |
| Bristol West | $199 |
| Farmers | $204 |
| Elephant | $207 |
| Nationwide | $246 |
| Chubb | $303 |
| State Auto | $471 |
With decades of experience, seniors typically get the cheapest premiums of any age group. Older drivers are more cautious and tend to drive fewer miles while avoiding nighttime driving, making them less likely to file accident claims.[6]
Seniors in Jackson pay an average monthly cost of $90, according to Compare.com data. But some companies offer even cheaper rates for senior drivers.
We highlight the cheapest car insurance companies for Jackson seniors in the chart below, according to our data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $38 |
| State Farm | $39 |
| Sun Coast | $41 |
| Direct Auto | $45 |
| Certainly | $47 |
| USAA | $47 |
| Progressive | $48 |
| GEICO | $50 |
| Auto-Owners | $53 |
| Travelers | $53 |
| Erie | $55 |
| Freedom National | $57 |
| The General | $57 |
| Trexis | $62 |
| Safeco | $68 |
| Trexis One | $69 |
| GAINSCO | $71 |
| Dairyland | $71 |
| Allstate | $72 |
| National General | $72 |
| Mendota | $74 |
| Farmers | $77 |
| First Acceptance | $79 |
| Liberty Mutual | $86 |
| Bristol West | $87 |
| Root | $88 |
| Elephant | $91 |
| Nationwide | $91 |
| Chubb | $105 |
| State Auto | $140 |
Car insurance companies view driving violations like speeding tickets as risky behavior, which can drive up car insurance premiums. If you get a ticket, expect your rates to increase the next time your policy renews. Our research shows a national average increase of 37% after a single speeding ticket.
On average, Jackson drivers pay $137 per month after a recent speeding ticket, according to our data. But several insurers still offer more affordable rates.
Check out the five cheapest insurance companies in Jackson for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| Sun Coast | $63 |
| State Farm | $64 |
| Certainly | $71 |
| Direct Auto | $72 |
| Progressive | $73 |
| USAA | $77 |
| GEICO | $84 |
| Freedom National | $87 |
| Travelers | $89 |
| Auto-Owners | $90 |
| The General | $93 |
| Trexis | $95 |
| Erie | $98 |
| GAINSCO | $102 |
| Safeco | $105 |
| Trexis One | $106 |
| Dairyland | $108 |
| Mendota | $114 |
| National General | $118 |
| Allstate | $119 |
| First Acceptance | $122 |
| Farmers | $128 |
| Liberty Mutual | $135 |
| Elephant | $135 |
| Bristol West | $136 |
| Root | $144 |
| Nationwide | $159 |
| Chubb | $181 |
| State Auto | $253 |
Causing an accident could raise your premiums substantially, even more than a speeding ticket. Our research shows auto insurance costs increase nationally by 41% after a single at-fault accident.
The average monthly cost of car insurance in Jackson with a recent accident is $145, according to our data.
But you may find a better deal from one of the five companies shown below. The insurers below offer the cheapest rates for Jackson drivers after an accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Sun Coast | $67 |
| Mile Auto | $68 |
| Certainly | $75 |
| Progressive | $77 |
| Direct Auto | $78 |
| USAA | $80 |
| GEICO | $84 |
| Auto-Owners | $91 |
| Freedom National | $92 |
| Travelers | $93 |
| The General | $96 |
| Erie | $98 |
| Trexis | $101 |
| GAINSCO | $109 |
| Trexis One | $112 |
| Safeco | $112 |
| Dairyland | $114 |
| Mendota | $120 |
| Allstate | $123 |
| National General | $126 |
| First Acceptance | $129 |
| Farmers | $133 |
| Liberty Mutual | $141 |
| Bristol West | $142 |
| Root | $144 |
| Elephant | $148 |
| Nationwide | $164 |
| Chubb | $190 |
| State Auto | $259 |
A DUI conviction is a severe violation that causes the most significant car insurance rate increase of any driving incident. Our research shows that a DUI conviction raises insurance premiums by an eye-watering 61% nationally.
Drivers in Jackson with a DUI conviction pay an average cost of $149 per month for auto insurance, according to our data. But that doesn’t mean you’re stuck paying budget-busting premiums.
The following five companies offer the cheapest average rates for Jackson drivers after a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $69 |
| Mile Auto | $71 |
| State Farm | $71 |
| Certainly | $77 |
| Progressive | $79 |
| Direct Auto | $82 |
| USAA | $85 |
| GEICO | $91 |
| Freedom National | $94 |
| Auto-Owners | $98 |
| Travelers | $98 |
| The General | $99 |
| Trexis | $103 |
| Erie | $104 |
| Trexis One | $114 |
| Safeco | $121 |
| GAINSCO | $121 |
| Dairyland | $123 |
| Mendota | $123 |
| Allstate | $130 |
| First Acceptance | $132 |
| National General | $134 |
| Farmers | $142 |
| Liberty Mutual | $150 |
| Bristol West | $153 |
| Root | $154 |
| Elephant | $160 |
| Nationwide | $174 |
| Chubb | $203 |
| State Auto | $253 |
Some insurers include credit history in rate calculations because research shows drivers with lower credit scores tend to file more claims.[7] Our research shows drivers with poor credit pay about 20% more for car insurance nationally than drivers with excellent credit.
Jackson drivers with poor credit pay an average monthly premium of $130 for auto insurance, according to our data. That said, some insurers don’t use credit as a rating factor, and others still offer more affordable rates, even if you have less-than-perfect credit.
Here are several insurance companies in Jackson offering the cheapest insurance rates for drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $60 |
| Mile Auto | $60 |
| Certainly | $68 |
| Progressive | $69 |
| Direct Auto | $69 |
| State Farm | $71 |
| USAA | $71 |
| GEICO | $78 |
| Freedom National | $83 |
| Travelers | $83 |
| The General | $84 |
| Trexis | $90 |
| Safeco | $96 |
| Auto-Owners | $100 |
| Trexis One | $100 |
| GAINSCO | $102 |
| Dairyland | $103 |
| Erie | $105 |
| Mendota | $108 |
| Allstate | $110 |
| National General | $113 |
| First Acceptance | $115 |
| Farmers | $119 |
| Liberty Mutual | $123 |
| Bristol West | $129 |
| Root | $129 |
| Elephant | $135 |
| Nationwide | $147 |
| Chubb | $223 |
| State Auto | $229 |
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Like almost all states, all Tennessee drivers must have car insurance. The minimum liability insurance requirements in Tennessee are:
$25,000 per person for bodily injury liability coverage
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability coverage
You can post a bond or make a cash deposit to the Tennessee Department of Revenue for $65,000 instead of getting an auto insurance policy. Although this option satisfies the state’s minimum coverage requirements, you still have to pay for any injuries or property damage you cause.[8]
Most car insurance experts recommend buying higher liability limits than the state requires. State minimums might not be enough if you cause a serious accident. For example, if you’re at fault in a multi-car crash, medical bills and vehicle repairs can quickly exceed those limits, leaving you financially responsible for the difference.
Lenders also typically require full coverage, which includes liability, comprehensive, and collision coverage, if you finance or lease your vehicle.
Find the coverage you need for the best price in Jackson.
Below are answers to common questions people ask about getting cheap car insurance in Jackson, Tennessee.
The average cost of car insurance in Jackson is $104 per month, according to Compare.com data. That breaks down to $67 per month for liability insurance, while full-coverage policies cost an average of $140.
Sun Coast is the cheapest auto insurance company in Jackson. Its average monthly premium is $48, according to Compare.com data.
No. Car insurance premiums in Jackson depend on multiple factors, including your age, ZIP code, driving record, and coverage choices. Insurance rates in Jackson average $104 per month. For comparison, the national average is $136, according to our data.
Sun Coast offers the cheapest car insurance in Tennessee, averaging $45 per month, according to Compare.com data.
Tennessee drivers pay an average car insurance premium of $97 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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