Insurance Costs in Jackson, MS
Auto insurance in Jackson averages $2,118 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Jackson, MS: What You Need to Know
Jackson residents pay an average of $2,118 per year for full coverage auto insurance, which is 22.0% above the Mississippi state average and 26.5% above the national average.
With a population of 153,701, Jackson is a mid-size city in Mississippi. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,118 | $176 |
| Standard Coverage (50/100/50) | $1,737 | $145 |
| State Minimum (25/50/25) | $890 | $74 |
Homeowners Insurance in Jackson, MS
The average cost of homeowners insurance in Jackson is $2,538 per year ($212/month), which is 39.5% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Jackson, MS
Renters insurance in Jackson averages $252 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Mississippi Cities
How to Save on Insurance in Jackson
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Jackson can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Jackson, MS?
The average cost of car insurance in Jackson, MS is $2,118 per year for full coverage, or about $176 per month. Minimum coverage costs around $890 per year.
Is car insurance expensive in Jackson?
Yes, car insurance in Jackson is above both the state and national averages.
How much is home insurance in Jackson?
Homeowners insurance in Jackson costs an average of $2,538 per year. Your actual cost depends on your home's value, age, construction type, and specific location.