Cheapest Car Insurance In Jackson, MI 2026
At an average of $35 per month, Travelers leads as the least expensive provider of minimum coverage car insurance in Jackson.
We’ve saved shoppers an average of $600 per year on their car insurance.
For drivers seeking the cheapest car insurance in Jackson, MI, Travelers and GEICO consistently offer the most affordable premiums. Minimum liability policies in the city currently start as low as $35 per month, while full coverage starts around $86 per month, depending on your driving profile.
To lock in the best rate, residents should compare quotes across multiple carriers, as factors like local Jackson traffic density and individual records heavily influence pricing. Selecting the right policy ensures financial protection without overpaying for mandatory state requirements.
What’s Changed In 2026?
- Recent data shows a noticeable rise in severe Jackson County traffic accidents, driving up local insurance rates.
- Statewide comprehensive and collision costs are currently climbing due to higher vehicle repair and labor expenses.
- MCCA assessment changes led insurers to adjust their filings, slightly affecting premiums in Jackson and across Michigan.
Cheapest and best car insurance companies in Jackson, MI 2026
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Cheapest Liability-only Car Insurance In Jackson: Travelers
For minimum coverage in Jackson, Travelers provides the best value, with rates averaging $34 per month.
Below, you’ll find a table to compare rates from various car insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $34 | $408 |
| Auto-Owners | $111 | $1,332 |
| Encompass | $97 | $1,139 |
| Progressive | $99 | $1,154 |
| GEICO | $104 | $1,248 |
Cheapest Full Coverage Insurance Rates In Jackson: GEICO
In Jackson, GEICO offers full coverage car insurance at the lowest rate, around $86 a month on average.
This table shows the average car insurance quotes from budget-friendly insurers in Jackson.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $86 | $1,032 |
| Auto-Owners | $203 | $2,423 |
| Chubb | $155 | $1,860 |
| State Farm | $421 | $5,052 |
| Farmers | $859 | $10,254 |
Cheapest Car Insurance Rates For Seniors: Westfield
Seniors looking for cheap car insurance in Jackson can turn to Westfield, which averages $71 a month.
The table shows average car insurance rates from the cheapest providers tailored for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $71 | $852 |
| Auto-Owners | $213 | $2,556 |
| GEICO | $156 | $1,872 |
| State Farm | $399 | $4,788 |
| Farmers | $762 | $9,144 |
Cheapest Rates In Jackson For Teenagers: Chubb
Teens in Jackson can rely on Chubb for the most budget-friendly car insurance, with rates averaging $358 per month.
Teenage drivers can refer to the table below for the cheapest insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $358 | $4,296 |
| Travelers | $1,011 | $12,098 |
| Auto-owners | $359 | $4,308 |
| State Farm | $1,185 | $14,220 |
| Farmers | $1,756 | $21,072 |
Cheapest Auto Insurance For Young Adults in Jackson: Westfield
In Jackson, young adults benefit from Westfield’s low rates, which average $156 per month.
Compare the most affordable auto insurance options for young adults in Jackson using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $156 | $1,872 |
| Progressive | $171 | $2,052 |
| Travelers | $215 | $2,580 |
| Auto-Owners | $217 | $2,604 |
| State Farm | $484 | $5,808 |
Cheapest Car Insurance In Jackson For Good Drivers: Travelers
Good drivers in Jackson will find the lowest premiums from Travelers, at $35 per month on average.
For good drivers, the table below lists the average quotes from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Travelers | $35 | $420 |
| Auto-Owners | $112 | $1,344 |
| Encompass | $98 | $1,155 |
| Progressive | $100 | $1,171 |
| GEICO | $105 | $1,260 |
Find affordable Jackson rates
Cheapest Car Insurance In Jackson After A Speeding Ticket: Chubb
Drivers with a speeding ticket in Jackson can get affordable insurance from Chubb, with average monthly rates of $195.
The table below compares average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $195 | $2,340 |
| Progressive | $197 | $2,364 |
| State Farm | $632 | $7,584 |
| Auto-owners | $268 | $3,216 |
| Farmers | $1,110 | $13,320 |
Cheapest For Drivers With After At-Fault Accident: Westfield
In Jackson, drivers with at-fault accidents can secure the cheapest rates from Westfield, averaging $211 per month.
These insurance providers have the most competitive rates for drivers involved in an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $211 | $2,532 |
| GEICO | $416 | $4,992 |
| Auto-Owners | $236 | $2,832 |
| State Farm | $507 | $6,084 |
| Farmers | $1,169 | $13,996 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest Rates In Jackson For Drivers After A DUI: Progressive
Progressive offers Jackson drivers the cheapest car insurance after a DUI, with average monthly costs of $174.
If you’re in Jackson with a DUI, check the table below for affordable car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $174 | $2,070 |
| Travelers | $802 | $9,624 |
| Auto-Owners | $501 | $5,991 |
| State Farm | $1,099 | $13,188 |
| Farmers | $1,139 | $13,668 |
Best Car Insurance Companies In Jackson
The cheapest insurance for Jackson drivers is with Chubb at $35 a month, though GEICO at $98 and Progressive at $100 are also viable options.
This list highlights the top 10 car insurance companies in Jackson, MI, ranked by their monthly average rates.
| Company | Monthly Premium |
| Chubb | $35 |
| Progressive | $100 |
| Auto-Owners | $112 |
| West Field | $111 |
| State Farm | $327 |
| GEICO | $98 |
| Farmers | $411 |
| Encompass | $98 |
| Pioneer State | $123 |
| Hanover | $757 |
Average Auto Insurance Rates In Jackson – By Age
Teenagers generally pay higher car insurance premiums—about $7,769 per year—because they are seen as higher risk due to inexperience and accident statistics.
Reaching the age of 25 often leads to a reduction in car insurance rates for drivers with no violations on their record.
Drivers in their 50s and early 60s often receive the most favorable insurance rates, as insurers factor age into risk evaluation.
| Age | Average Yearly Rate |
| Teenagers | $6,644 |
| 20s | $2,229 |
| 30s | $1,830 |
| 40s | $1,807 |
| 50s | $1,585 |
| 60s | $1,394 |
| 70s | $1,232 |
Average Cost Of Auto Insurance In Jackson – By Zip Code
Insurers use zip codes to assess crime statistics in different regions, which results in varying car insurance rates.
Refer to the table below to see the average insurance premiums for different Jackson zip codes.
| Zip Code | Average Monthly Rate |
| 48235 | $164 |
| 48238 | $159 |
| 48216 | $175 |
| 48210 | $155 |
| 48206 | $169 |
How Much Is Car Insurance In Other Cities in Michigan?
Insurance rates are typically higher in cities, as factors like accidents, vehicle theft, and vandalism are more frequent, causing an increase in premiums.
For example, Dearborn drivers often face an average car insurance premium of $174 per month, while in Kalamazoo, it averages $97 per month.
| City | Average Monthly Rate |
| Grand Rapids | $98 |
| Ann Arbor | $106 |
| Lansing | $97 |
| Flint | $113 |
| South Field | $143 |
| Dearborn | $174 |
| Saginaw | $104 |
| Kalamazoo | $97 |
| Troy | $125 |
| Muskegon | $100 |
Average Rates In Jackson – By Vehicle
Vehicle type is a major factor in insurance premiums. Insurers look at make, model, year, and body type, with newer luxury cars tending to have higher rates because of advanced technology and replacement costs.
The table below outlines average car insurance rates for different vehicle types in Jackson.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $133 |
| Chevrolet Equinox | $186 |
| Nissan Rogue | $194 |
| Honda Civic | $143 |
| Ford F-150 | $175 |
Find affordable Jackson rates
Our Methodology
Using a thorough examination of factors such as customer ratings, product options, pricing, and online reviews, I’ve assembled a complete guide to car insurance providers in Jackson, MI.
Quotes Analyzed
Years of Industry
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Jackson?
For minimum coverage, GEICO provides the best rates in Jackson, and for full coverage that includes both comprehensive and collision, Progressive offers the lowest premiums.
What is the average cost of car insurance in Jackson?
Car insurance in Jackson typically costs around $184 a month, though this amount can vary depending on your driving record, car model and year, and your zip code.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.