Jackson Car Insurance

Everything You Need To Know About Car Insurance in Jackson, MS

Find the right car insurance policy for you.

Jackson, MS is not just the state capital; it is also the largest city in Mississippi. With more than half a million residents in its metropolitan area, Jackson has a lot of drivers on the roads. This can mean an increased risk of being in a collision when you are driving. The good news is that when you have a suitable Jackson car insurance policy backing you up, you are shielded from sustaining large financial losses as the result of an accident.

There is no reason to pay more for your policy than necessary. Independent insurance agents in our network can help you gather and compare Jackson auto insurance quotes from a variety of reputable insurance companies so that you can comparison-shop with ease. Learn more by contacting an agent who has an office near you.

  • National average cost per year: $1,311
  • Mississippi average cost per year: $1,584
  • 12th most expensive auto premium in the U.S.

On average, drivers in Mississippi pay more for their car insurance than most motorists across the country, and rates can vary significantly from one insurance company to another. So, the rates above should just give you a general idea of what you can expect to pay. Your actual rates will be based on a number of factors including your age, sex, marital status, driving record, deductible and sometimes even your credit score. Be sure to compare Jackson car insurance quotes from at least three quality insurance companies before you select a policy. That way, you can be sure that you are getting your auto coverage at a decent price.

Mississippi Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

Mississippi’s state-mandated insurance coverage protects your finances if you are involved in a collision. The required minimums are generally enough to cover your damage in a typical accident, but in the event of a serious accident that involves significant injuries and property damage, costs can easily exceed what a minimum-coverage policy will pay for. An agent can help you protect your assets by recommending suitable coverage amounts and by assisting you with your search for Jackson auto insurance that meets your coverage and budgetary needs.

Number of Uninsured Motorists in Mississippi

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Mississippi drivers: 22.90%

The penalty for driving without state-mandated insurance in Mississippi is a $1,000 fine and a suspension of your driver’s license for one year. Despite this, nearly a quarter of the drivers on the roads in this state do not have insurance, making Mississippi the state with the third most uninsured drivers. If an uninsured or hit-and-run driver is responsible for a collision with your vehicle, you may have difficulty collecting compensation for your damage and injuries unless your Jackson car insurance policy includes uninsured motorist coverage. In this case, your insurance company will cover your losses and will go after the responsible driver on its own.

Number of Auto Thefts in Mississippi

  • National number of thefts per 1,000 vehicles: 2.94
  • Mississippi number of thefts per 1,000 vehicles: 2.14

The rate of car theft is lower in Mississippi than in the nation as a whole, but in Jackson, car theft is very high. In recent years, there were 1,054 car thefts reported in this city; that is approximately 5.99 thefts per every 1,000 vehicles – twice the national average. Fortunately, by adding comprehensive, or “other than collision,” insurance to your Jackson auto insurance policy, you can receive compensation if your car is stolen or if vandals, falling objects, hail, floods or other non-collision hazards damage it. Talk to your agent to learn more about this coverage.

Find a Great Jackson Car Insurance Policy

If you own a vehicle in the “City with Soul,” you need to have a suitable Jackson auto insurance policy. Comparison-shopping can save you money by enabling you to get the best coverage at a competitive rate. Unfortunately, it can be a frustrating and time-consuming process, so many people forego it and end up overpaying for their policies. Shopping for rates is easy when you turn to a local agent for assistance. These independent agents can work with several dependable insurance companies to quickly provide you with a choice of policies and rates. This can save you both time and money. 

Find an agent near you to learn more about your options when it comes to Jackson car insurance, and start comparing quotes right away.

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