Cheapest car insurance in Jackson, MI For April, 2024

Our analysis has revealed that USAA offers the most budget-friendly car insurance rates in Jackson. 

min read
Updated: 05 January 2024
Written by
Bob Phillips
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Jackson, Michigan, located in the southern part of the state, is home to a vibrant community with a deep appreciation for automobiles. As a result, car insurance is a necessary expense for many residents. However, we’ve done the research for you and have uncovered the most economical car insurance quotes in Jackson.

USAA offers the cheapest car insurance quotes in Jackson. This is a remarkable achievement, given that the average annual car insurance cost in Jackson is $3,583, which is higher than the statewide average of $3,232.

Our goal is to not only find you the cheapest insurance but also to assist you in finding the best coverage tailored to your unique needs and driving history. Our research has found that GEICO offers the cheapest full coverage, Nationwide offers the cheapest minimum coverage, Chubb provides the most cost-effective insurance for young adults, and Chubb also provides the cheapest insurance for seniors.

Our team is dedicated to helping you find the ideal car insurance coverage that meets your requirements. If you’re searching for affordable car insurance in Jackson, we’re here to provide guidance and support.

Cheapest and best car insurance companies in Jackson, MI 2024

Cheapest and best car insurance companies in Jackson 2024

Read on to learn the important facts about each of these companies so you can make an educated decision and find the right policy from one of these top car insurance companies in Jackson.

Compare the cheapest car insurance companies in Jackson, Michigan

Overall Rating Best For J.D. Power Rating Average Annual Cost AM Best Rating Get A Quote
GEICO
4.9

Cheapest Full Coverage

824

$1,674

A++

Instant Quote
Nationwide
4.8

Cheapest Minimum Coverage

787

$863

A+

Instant Quote
USAA
4.9

Cheapest Overall

673

$1,367

A++

Instant Quote
Chubb
4.8

Cheapest for Young Adults

NR

$1,448

A++

Instant Quote
Chubb
4.7

Cheapest for Seniors

NR

$1,080

A++

Instant Quote
Scroll to see comparisons

Our Methodology

To uncover the most economical car insurance rates in Jackson, we've conducted a thorough investigation of various car insurance review websites and public filings obtained from Quadrant Information Services. However, our analysis doesn't end there. With over 15 years of experience as a licensed insurance agent and over three decades of purchasing car insurance, we've also taken into account our extensive knowledge and expertise.

76

Quotes Analyzed

15+

Years of Industry

16

Brands Reviewed

31+

Research Hours

Cheapest car insurance companies in Jackson, Michigan


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims
9/10 Coverage level

Why We Like Them

If you’re a driver in Jackson with a military background or family ties to the military, there’s good news for you. You may be eligible for USAA car insurance. Our research shows that USAA offers the most affordable car insurance in Jackson, without the need to bundle other insurance policies.

Not only does USAA offer the cheapest car insurance rates in Jackson, but they also provide a range of discounts to insured drivers, including:

  • Bundle multiple policies
  • Responsible driver
  • Install anti-theft devices
  • Be a loyal member
  • Insure a new car

With dependable coverage for a variety of scenarios, including theft, accidents, vandalism, fire, and weather-related incidents, USAA’s standard policy offers comprehensive protection. Moreover, if you’re ever held liable for causing injuries or property damage, USAA’s coverage can help protect your finances.

USAA’s website and mobile app are user-friendly and provide all the necessary tools for easy claims reporting, progress tracking, roadside assistance requests, vehicle inspections scheduling, and communication with adjusters. Managing your policy and claims has never been more straightforward or convenient.

USAA has received the highest customer satisfaction ratings from JD Power among all the insurers they reviewed, thanks to their unrivaled dedication to providing exceptional customer service. Their members have nothing but praise for their outstanding service, which is reflected in their high level of member loyalty.

Benefits & Drawbacks

Benefits
  • The company offers policies that are available in all states, including the District of Columbia.
  • Customers are highly satisfied with the company's auto insurance offerings
  • The company provides a comprehensive range of services, such as insurance, banking, and investing, that can be accessed conveniently from one central location.
Drawbacks
  • The company's services are only available to active military members, veterans, and their families.

Cheapest Overall Rates in Jackson

Company Rate Per Year
USAA $1,017
Auto-Owners Insurance Co. $1,310
Pioneer State Mutual $1, 526
GEICO $1,674
Progressive $1,293

Cheapest for Young Adults

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage level

Why We Like Them

Although young adults in Jackson generally face higher auto insurance rates due to their increased likelihood of accidents, Chubb stands out as the most affordable option for this demographic, regardless of income level. Despite its reputation for serving high-income customers with property and casualty insurance, Chubb’s Masterpiece auto insurance policy provides benefits for owners of luxury vehicles of all ages.

These benefits include:

  • Rental reimbursement coverage: provides up to $15,000 for rental car expenses with no daily limit.
  • OEM parts coverage: offers coverage for original equipment manufacturer parts instead of cheaper aftermarket alternatives.
  • Worldwide rental car coverage: auto policy covers rental car damages incurred anywhere in the world, making it suitable for young adults studying abroad.
  • Lifetime repair guarantee: guarantees repairs made at a Chubb-certified shop for the vehicle’s lifetime.
  • Lock and key replacement: provides key replacement at no deductible, ensuring policyholders’ security.
  • Personal information removal: In the event of a total loss, Chubb removes any personal information that may have been stored in the vehicle’s systems, including GPS addresses, phone contacts, and garage door codes, ensuring policyholders’ privacy is protected.

Chubb provides its policyholders with multiple options for managing their auto insurance policies, including through its website and mobile app. Users can perform tasks such as initiating a claim, obtaining insurance ID cards, and managing their policies on both platforms. Additionally, Chubb has developed a specialized app for its SmartRide program, which monitors driving behavior and rewards policyholders for safe driving practices.

Benefits & Drawbacks

Benefits
  • Young drivers can take advantage of affordable rates.
  • The number of complaints received by this auto insurance company is lower than expected.
  • High-end clients can enjoy exclusive perks and top-notch coverage.
Drawbacks
  • Compared to other car insurance providers, the availability of agents may be limited in some areas
  • Rates for adult drivers may be higher than those offered by other insurers.

Cheapest Coverage for Young Adults

Company Rate Per Year
GEICO $1,026
Auto-Owners $1,412
Chubb $1,456
Progressive $1,487
Pioneer State Mutual Ins Co $1,782

Cheapest Minimum Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage level

Why We Like Them

Nationwide is a well-known insurance company that offers a variety of coverage options, such as full and minimum coverage, for drivers in Jackson. When it comes to the minimum required coverage, Nationwide is a standout choice for affordability.

In Jackson, Michigan, the minimum required coverage for car insurance is consistent throughout the state, and Nationwide offers policies that fulfill these requirements. The minimum coverage entails:

  • Bodily injury liability insurance: $50,000 per person / $100,000 per accident
  • Property damage liability insurance: $10,000
  • Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid
  • Property protection insurance: $1,000,000

Nationwide is a highly regarded insurance provider that offers a variety of coverage options in Jackson, including both full and minimum coverage. For those seeking the minimum coverage required in Michigan, Nationwide stands out as the most cost-effective choice in the region.

Nationwide’s standard coverage surpasses the minimum required coverage by including features such as comprehensive and collision insurance. Furthermore, the company offers a loyalty rewards program that all customers can take advantage of, regardless of their coverage level. This program provides numerous advantages to policyholders, such as:

  • Minor accident forgiveness: Policyholders can benefit from Nationwide’s minor accident forgiveness, which guarantees that their rates will not increase even if they are at fault for a minor accident, as long as the repairs fall within Nationwide’s accident threshold. There is no limit to the number of times a policyholder can use this feature.
  • Waived or reimbursed deductible: If a covered loss affects both a policyholder’s house and vehicle, Nationwide offers the choice to waive the auto and home deductible or reimburse for the lowest deductible available.
  • Guaranteed repairs for life: Policyholders who opt to have their car repaired at a Nationwide-approved auto repair shop can enjoy the peace of mind of a lifetime guarantee on those repairs.

Nationwide offers convenient ways to manage auto insurance policies through its website and mobile app. Customers can easily start a claim, obtain insurance ID cards, and manage their policy through both platforms. Additionally, the company provides a separate app for its SmartRide program, which tracks driving behavior and provides discounts for safe driving habits.

Benefits & Drawbacks

Benefits
  • Long-term customers can benefit from attractive extras and perks.
  • Customers have access to numerous discounts, helping to reduce their insurance costs.
  • Despite being a large insurer, the number of complaints to state regulators is relatively low.
Drawbacks
  • While the insurer offers coverage for car owners, their J.D. Power score is below the industry average, indicating that customers may not be as satisfied with their experience as they could be.
  • Customers with a DUI on their record may face higher premiums compared to other insurance providers.

Cheapest Minimum Coverage Rates in Jackson

Company Rate Per Year
Nationwide $673
GEICO $822
Progressive $647
Pioneer State Mutual Ins Co $763
State Farm $1,528

Cheapest For Full Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage level

Why We Like Them

Although USAA usually offers lower rates, GEICO is a top choice for car insurance in Jackson since it is available to everyone, not just military members and their families like USAA. In Michigan, a full coverage policy offers comprehensive and collision coverage in addition to the state’s required minimum coverage of personal injury protection and property protection insurance.

GEICO provides the most affordable comprehensive car insurance in Jackson, and it is known for its exceptional customer service, easy policy renewals, streamlined claims processing, positive customer referrals, and high levels of customer loyalty. With GEICO, you can enjoy the peace of mind that comes with having comprehensive coverage at an affordable rate, while receiving top-notch service and support from an industry leader.
Full coverage in Michigan looks like this:

  • Property protection insurance: $1,000,000
  • Bodily injury liability insurance: $50,000 per person / $100,000 per accident
  • Property damage liability insurance: $10,000
  • Collision insurance: covers up to the value of the vehicle
  • Comprehensive insurance: covers up to the value of the vehicle
  • Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid

When you’re looking to finance a vehicle in Jackson, keep in mind that most lenders require you to have full coverage insurance. This means you’ll need collision and comprehensive coverage in addition to the minimum coverage required by the state.

Benefits & Drawbacks

Benefits
  • The insurer provides an easy-to-use website and mobile app that allow customers to access their policy information and file claims effortlessly.
  • Customers who prioritize high customer satisfaction ratings will appreciate the recognition from J.D. Power for its car insurance offerings.
  • The insurer offers a variety of discounts that can help customers save money on their premiums.
Drawbacks
  • Customers who prefer in-person assistance may find that the insurer's limited number of local agents restricts their access to help and advice
  • Drivers who require gap or rideshare insurance may need to seek coverage elsewhere, as these options aren't available from this insurer.

Cheapest Full Coverage Rates in Jackson

Company Rate Per Year
GEICO $1,674
Chubb $1,797
State Farm $1,835
Progressive $1,928

Cheapest for Seniors

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage leve

Why We Like Them

As drivers age and gain more experience on the road, they may find that their car insurance rates decrease, assuming they maintain a good driving record. This is because insurers see older drivers as a lower-risk group due to their established driving history and higher credit scores.

For senior drivers, there are a variety of ways to further reduce their car insurance costs, such as bundling their policy with other insurance products and taking advantage of various discounts. While Chubb is known for insuring high-end vehicles, it offers affordable rates for seniors, who tend to own cars with higher values compared to younger drivers. Chubb’s “concierge service” is especially appreciated by seniors who receive personalized attention when filing claims.

While younger drivers may prefer communicating with their insurers via mobile apps or text messaging, many seniors still prefer to speak with a live customer service representative. Chubb understands and respects this preference and ensures that its clients have accessible and friendly customer service options.

Benefits & Drawbacks

Benefits
  • Chubb has a reputation for excellent customer service and personalized attention.
  • Chubb has a wide range of coverage options, including high-value vehicles and homes.
  • The company offers customized insurance policies to fit the unique needs of its clients.
Drawbacks
  • Chubb's premiums can be higher than some other car insurers.
  • The company has a limited number of agents and locations, which could be inconvenient for some customers.

Cheapest Coverage for Seniors

Company Rate Per Year
GEICO $1,017
Chubb $1,080
Progressive $1,192
Auto-Owners Insurance Co $1,286
Pioneer State Mutual Ins Co $1,385

Average cost of car insurance in Jackson

Insurance Company Average Monthly Quote
USAA $203
GEICO $329
Safeco $317
State Farm $464
Bristol West $601

Average cost in Jackson – by age

Age Group Average Monthly Rate
Teenagers $1,543
Under 25 $1,247
25-29 $1,597
30s $818
40s $949
50s $732
60s $692
70s $525
80+ $524

Average cost in Jackson – by gender

Gender Annual Rate
Female $5,232
Male $5,219

Average cost in Jackson – by marital status

Marital Status Average Monthly Cost
Single $653
Married $623

Average monthly cost in Jackson with an accident

Insurance Company Clean Record At-Fault Accident
USAA $265 $383
GEICO $412 $574
Safeco $452 $637
State Farm $576 $791
Bristol West $724 $1,125

Average monthly cost in Jackson – by credit tier

Very poor: $1,486
Fair: $941
Good: $868
Exceptional $731

Average Cost in Jackson – By ZIP Code

ZIP Code Average Rate
48228 $6,415
48219 $5,725
48235 $6,156
48227 $6,653
48224 $6,416
48221 $6,264
48205 $6,561
48234 $6,315
48210 $6,512
48209 $6,212

Minimum car insurance requirements in Michigan

When searching for car insurance in Michigan, it’s important to have a clear understanding of the state’s minimum coverage mandates.

  • Bodily injury liability per accident: $100,000
  • Property protection within Michigan: $1 million
  • Property damage liability per accident outside Michigan: $10,000
  • Bodily injury liability per person: $50,000
  • Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)

Although it’s necessary to keep in mind Michigan’s minimum coverage requirements when purchasing car insurance, it’s also essential to evaluate whether you need extra coverage based on your individual driving patterns and your vehicle’s worth. If you typically spend a lot of time driving or own an expensive car, it may be worthwhile to consider adding collision and comprehensive coverage to your policy. This can offer additional safety and security if you experience an accident or unexpected situation, providing you with greater confidence while on the road.

How to buy car insurance in Jackson

When purchasing car insurance in Jackson, you have the convenience of choosing between two options – working with an agent or shopping online. Both options provide a hassle-free experience and make the process of obtaining car insurance straightforward. The choice ultimately comes down to personal preference and which method better suits your needs.

Do your information gathering

When beginning your quest for car insurance, it’s crucial to collect certain details that insurers need to offer an exact quote. Some of the information you’ll need to provide includes:

Name and birthdate of everyone who will be on the policy

  • Driving history for all drivers, including tickets, accidents, or any other violations
  • Facts about the car: make, model, vehicle identification number, safety features, current odometer reading, annual miles driven
  • Your current insurer, if applicable, and your current coverage limits
  • Drivers license numbers for each person to be covered

Determine your coverage needs

It’s important to determine the appropriate amount of car insurance coverage you need before buying a policy. If you’re uncertain, you can refer to the minimum car insurance requirements in Michigan, which include:

  • Property protection within Michigan: $1 million
  • Bodily injury liability per accident: $100,000
  • Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)
  • Property damage liability per accident outside Michigan: $10,000
  • Bodily injury liability per person: $50,000

If you’re uncertain about the coverage you require for your car insurance, enlisting the help of an agent can be advantageous in determining your specific needs. An agent can offer professional advice and guidance on the most suitable type and level of coverage for you.

Choose your buying method

When it comes to buying affordable car insurance in Jackson, you have a couple of options to choose from. Working with an insurance agent is one route to take, and although it may sound intimidating, it can actually be beneficial. Different types of agents are available to help you find the best coverage, from captive agents working with a single insurer to brokers who work with multiple insurers, and specialty agencies that cater to drivers with specific needs.

If speaking to an agent isn’t your preference, purchasing car insurance online is another route to consider. It’s a convenient option that lets you input your information and receive quotes instantly, with the added benefit of completing your application right then and there.

Ultimately, the choice of how to purchase your car insurance depends on what works best for you. No matter which option you choose, finding affordable coverage that fits your needs is within reach in Jackson!

Compare companies

When it comes to shopping for car insurance, comparing quotes from multiple companies can be a wise move. But, it’s not just about finding the lowest price. It’s important to ensure that you’re comparing policies with similar coverage limits to make an informed decision.

After narrowing down your options, conducting some additional research can be helpful. Consider checking out the National Association of Insurance Commissioners website to check how many complaints have been filed against each company. This can provide insights into their customer service and support.

Buy your new policy and cancel your old one

Getting a new car can be an exhilarating experience, but it’s important not to forget the necessity of car insurance before hitting the road. Without coverage, you could be faced with significant financial consequences in the event of an accident or theft.

If you’re simply swapping out your current vehicle, don’t forget to inform your current insurance provider about the cancellation of the policy. However, before canceling, ensure that your new insurance policy is in place and ready to go. A gap in coverage could leave you unprotected and liable for any damages sustained during that time.

It’s also important to note that canceling a policy before the renewal date may result in a cancellation fee. You may be eligible for a refund of any unused premiums, so be sure to inquire about that.

Factors that impact the cost of your car insurance policy in Jackson

When it comes to determining car insurance rates, there are several factors that insurance companies consider. Here are a few of them:
• State requirements: All drivers in Michigan are required to have at least the minimum amount of coverage, so make sure your policy meets those requirements.
• Age: Younger drivers under the age of 25 typically pay more because they are statistically more likely to be in accidents. However, rates generally decrease after you turn 25.
• Car make and model: The type of car you drive can also affect your rates. Safer cars are less expensive to insure than high-performance vehicles.
• Driving record: If you have a history of accidents or traffic violations, you’ll likely pay more than someone with a clean record.
• Yearly mileage: If you drive more than the average person, you may pay more.
• Credit history: Your credit score can play a role in your rates, as insurers view people with good credit as less of a risk.
• Zip code: Where you live and park your car can affect your rates.
• Marital status: Married drivers may pay less than single drivers.
• Gender: While there can be some differences in rates based on gender, the gap tends to even out for drivers in their 30s.

Michigan car insurance laws to know

Michigan drivers, it’s crucial to ensure you have adequate auto insurance coverage that meets the state’s minimum requirements. This includes liability coverage of 50/100/10, as well as Personal Injury Protection (PIP) and Property Protection Insurance (PPI) of at least $1 million. Keep in mind that Michigan operates under a no-fault insurance system, which means you must carry proof of insurance that shows you have PIP, PPI, and third-party liability coverage. Not having the proper coverage could result in legal troubles and leave you vulnerable on the road. So, don’t take any risks and make sure your insurance policy meets Michigan’s requirements.

In the news

According to a recent report by Repairer Driven News, drivers should expect an average increase of 8.4% in car insurance premiums this year. This follows a slight dip of 0.6% in 2022, making it the most significant rate increase in car insurance premiums since 2017.

Information about Jackson

Jackson is a city located in the U.S. state of Michigan, situated about 75 miles west of Detroit. The city is known for its vibrant downtown area, which boasts a variety of restaurants, shops, and entertainment venues. Jackson is also home to Jackson College, which offers a range of degree programs in various fields.

Although not as well-known as other cities in Michigan, Jackson has its own unique charm and history. The city played a significant role in the development of the automotive industry in the early 1900s and was home to several prominent auto manufacturers, including Buick and Jackson Automobile Company. Today, the city has a diverse economy with a strong focus on manufacturing and healthcare.

Jackson has undergone significant revitalization efforts in recent years, with a focus on preserving its historic architecture and developing its cultural offerings. The city is home to the Michigan Theatre, a restored 1930s movie palace that now hosts live performances and events. Additionally, Jackson has a thriving arts scene, with several galleries and cultural institutions such as the Ella Sharp Museum of Art and History.

With a population of over 32,000, Jackson is the sixth largest city in Michigan and serves as an important transportation hub for the region. The city is located at the crossroads of several major highways and is home to the Jackson County Airport, which provides regional air service to travelers.

Car insurance discounts in Jackson

If you’re a driver in Jackson, Michigan, you may be able to save on your auto insurance premiums by taking advantage of various discounts:

  • Low mileage discount
  • Good student discount
  • Senior discount
  • Good driving history
  • Military discount
  • Being claims-free
  • Vehicle safety features
  • Customer loyalty

FAQs

How much does car insurance cost in Jackson on average?

The average cost of car insurance in Jackson is approximately

Do I need car insurance in Jackson?

Drivers in Jackson, as well as across the state of Michigan, are obligated by state law to carry liability car insurance.

What is the cheapest car insurance in the state of Michigan?

According to recent studies conducted in Michigan, Travelers offers the most affordable rates for good drivers, while Secura provides the most cost-effective full coverage insurance.

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