Cheapest Car Insurance In Jackson, TN 2025
At $24 per month on average, State Farm is Jackson’s most affordable choice for minimum coverage auto insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Jackson, TN, can be tricky, with rates that vary widely.
State Farm wins for the cheapest liability-only policy. GEICO offers the lowest rates for full coverage, and Direct Auto has the most affordable prices for young drivers.
Cheapest Car Insurance Companies In Jackson, TN 2025
Cheapest Liability-only Car Insurance In Jackson: State Farm
The cheapest minimum coverage car insurance in Jackson comes from State Farm, averaging $24 a month.
Use the comparison table below to review rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $24 | $288 |
| Auto-Owners | $30 | $360 |
| GEICO | $29 | $348 |
| Erie | $32 | $384 |
| Allstate | $40 | $480 |
Cheapest Full Coverage Insurance Rates In Jackson: GEICO
GEICO delivers the cheapest full coverage car insurance in Jackson, with typical monthly rates of $60
The table presents a comparison of average auto insurance rates from cost-effective insurers in Jackson.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $60 | $720 |
| Allstate | $83 | $996 |
| Auto-Owners | $63 | $756 |
| Erie | $67 | $804 |
| Farmers | $90 | $1,080 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Direct Auto delivers the lowest car insurance rates for seniors in Jackson, averaging $49 per month.
The table presents average quotes from the most affordable car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $49 | $588 |
| USAA | $66 | $792 |
| Safeco | $63 | $756 |
| Penn National | $74 | $888 |
| State Farm | $77 | $924 |
Cheapest Rates In Jackson For Teenagers: Liberty Mutual
Jackson teens will find the cheapest car insurance rates from Liberty Mutual, averaging $172 per month.
The table below presents a comparison of low-cost auto insurance providers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $172 | $2,064 |
| USAA | $175 | $2,100 |
| Grange Mutual | $225 | $2,700 |
| State Farm | $200 | $2,400 |
| Auto-Owners | $231 | $2,772 |
Cheapest Auto Insurance For Young Adults in Jackson: Direct Auto
Jackson’s cheapest car insurance for young adults comes from Direct Auto, with average rates of $90 per month.
Use the comparison table below to find the best-value auto insurance rates for young adults in Jackson.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $90 | $1,080 |
| Penn National | $142 | $1,704 |
| USAA | $110 | $1,320 |
| Dairyland | $151 | $1,812 |
| State Farm | $144 | $1,728 |
Cheapest Car Insurance In Jackson For Good Drivers: State Farm
With average monthly premiums of $24, State Farm delivers the lowest car insurance rates for good drivers in Jackson.
Safe drivers can find the best-value car insurance by reviewing the average quotes listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $24 | $288 |
| Auto-Owners | $30 | $360 |
| GEICO | $29 | $348 |
| Erie | $32 | $384 |
| Allstate | $40 | $480 |
Find affordable Jackson rates
Cheapest Car Insurance In Jackson After A Speeding Ticket: State Farm
With average rates of $85 per month, State Farm is one of the most affordable options in Jackson for drivers with a speeding violation.
Use the table to compare average quotes for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $85 | $1,020 |
| USAA | $88 | $1,056 |
| Auto-Owners | $283 | $3,390 |
| Nationwide | $110 | $1,320 |
| GEICO | $193 | $2,321 |
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers with an at-fault accident, State Farm stands out with budget-friendly rates of $93 per month.
Listed below are the insurers with the lowest car insurance premiums for at-fault drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $93 | $1,105 |
| Auto-Owners | $149 | $1,790 |
| USAA | $105 | $1,260 |
| Nationwide | $145 | $1,738 |
| GEICO | $163 | $1,950 |
Cheapest Rates In Jackson For Drivers After A DUI: State Farm
State Farm delivers budget-friendly car insurance for drivers with a DUI in Jackson, with rates averaging $86 monthly.
Check the table below for a comparison of low-cost insurance rates for drivers with a DUI in Jackson.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $86 | $1,030 |
| GEICO | $168 | $2,012 |
| Nationwide | $178 | $2,135 |
| Auto-Owners | $207 | $2,487 |
| USAA | $139 | $1,670 |
Best Car Insurance Companies In Jackson
Jackson drivers can secure low rates with State Farm at $24 per month. GEICO, at $29, and Auto-Owners, at $30, are also affordable choices.
Listed below are the top 10 auto insurers in Jackson, TN, arranged by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $24 |
| Auto-Owners | $30 |
| GEICO | $29 |
| Erie | $32 |
| Allstate | $40 |
| Travelers | $32 |
| Farmers | $44 |
| Nationwide | $54 |
| Progressive | $60 |
| Chubb | $65 |
Average Auto Insurance Rates In Jackson – By Age
Insurance companies consider age an important factor in determining premiums. Younger drivers, who are more likely to cause accidents, often face higher rates. Teens, in particular, pay an average of $2,449 annually.
Insurance rates usually decline for drivers at age 25, as long as they maintain a good driving history.
Insurance providers usually offer their best rates to drivers in their 50s and early 60s, as age reflects experience and affects risk assessments.
| Age | Average Yearly Rate |
| Teenagers | $2,449 |
| 20s | $1,846 |
| 30s | $1,277 |
| 40s | $1,370 |
| 50s | $1,001 |
| 60s | $1,144 |
| 70s | $1,197 |
Average Rates In Jackson – By Vehicle
Car insurance costs depend heavily on your vehicle’s make, model, and year. Newer luxury models, loaded with advanced technology, are typically more expensive to insure due to higher replacement costs.
You’ll find average car insurance rates for different vehicle models in Jackson in the table below.
| Vehicle | Average Monthly Rate |
| Chevrolet Malibu | $100 |
| Ford Mustang | $45 |
| Kia Sorento | $117 |
| Dodge Charger | $300 |
| Ford Focus | $189 |
Average Cost Of Auto Insurance In Jackson – By Zip Code
Insurers rely on ZIP codes to measure crime rates, making car insurance costs different depending on your location.
You’ll find average car insurance premiums for various Jackson ZIP codes in the table below.
| City | Average Monthly Rate |
| 38301 | $122 |
| 38305 | $103 |
How Much Is Car Insurance In Other Cities in Tennessee?
Your car insurance premium depends partly on your location. Urban areas with higher rates of accidents, theft, and vandalism are considered riskier, which often means higher premiums.
Memphis drivers can expect to pay approximately $165 monthly for car insurance, compared to $95 for those in Kingsport.
| City | Average Monthly Rate |
| Cleveland | $97 |
| Chattanooga | $112 |
| Kingsport | $95 |
| Cookeville | $98 |
| Knoxville | $114 |
| Franklin | $115 |
| Clarksville | $130 |
| Morristown | $104 |
| Memphis | $165 |
| Maryville | $110 |
Find affordable Jackson rates
Our Methodology
Combining data from customer reviews, policy options, pricing trends, and online ratings, I’ve crafted a thorough evaluation of car insurance providers in Jackson, TN.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Jackson?
The cheapest car insurance options in Jackson are State Farm for minimum coverage and GEICO for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Jackson?
The average cost for car insurance in Jackson is around $110 monthly, though factors like your ZIP code, car model, and driving history will impact your rate.
