The best car insurance in Jackson, TN

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 8, 2021

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The average cost of full coverage car insurance in Jackson, Tennessee is $1,362 per year, slightly more than the state average of $1,329. But car insurance rates are different for everyone — which is why it’s so important to shop around and compare options before you buy a policy.

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Policygenius can help you see quotes from top companies and choose the coverage that works for you. 

Key Takeaways

  • Jackson drivers insured with State Farm have the lowest average insurance rates at $817 per year for full coverage

  • Drivers with bad credit should consider GEICO because it has the lowest rates for poor credit, at $1,517 per year

  • The minimum liability car insurance requirements in Tennessee are $25,000 per person/$50,000 per accident in bodily injury liability and $15,000 in property damage liability

Cheapest car insurance companies in Jackson, TN

Car insurance companies use factors like your age, location, and driving record to set insurance rates. But even though car insurance companies use the same information, they have different ways of crunching the numbers, which is why some companies will charge you higher rates than others.

Company

Average cost

JD Power Rating

State Farm

$817

881

USAA

$823

890

GEICO

$994

871

Auto-Owners Insurance

$1,062

890

Nationwide

$1,076

876

Cheapest car insurance rates by ZIP code in Jackson, TN

Your ZIP code is one of the single most important factors used by insurance companies to determine the price of your car insurance. Insurers look at the number of stolen vehicles, speeding tickets issued, and accident claims in a specific neighborhood and set rates accordingly.

ZIP code

Average cost

38301

$1,371

38305

$1,353

Choosing the right car insurance company in Jackson, TN

Choosing the right car insurance company is important. You need flexible payment options and enough coverage to protect you in an accident, but you also want a provider that won’t increase your rates after the first claim. The more research you do when you’re shopping, the better you can feel about the coverage you choose.

Answer a few questions, and Policygenius can help you see quotes from top companies and understand your coverage options with each.

Car insurance rates for drivers with driving violations in Jackson, TN

Speeding tickets, blowing through a stop sign, and driving with an open container can all mean higher rates the next time your car insurance policy renews. A single speeding ticket can increase your rates by more than $300 annually with some insurance companies.

The table below shows the average car insurance rates for drivers in Jackson with moving violations on their record.

Violation

State Farm

USAA

GEICO

Auto-Owners Insurance

Nationwide

At-fault Accident

$975

$1,255

$1,764

$2,356

$1,722

DUI

$903

$1,659

$1,820

$3,217

$2,119

Driving with a suspended license

$903

$1,601

$2,547

$3,217

$2,119

Driving with an open container

$903

$1,167

$1,820

$1,800

$1,307

Driving with expired registration

$903

$1,043

$1,159

$1,085

$1,307

Driving without Lights

$903

$1,043

$1,202

$1,085

$1,307

Failure to show documents

$903

$1,043

$1,159

$1,085

$1,307

Failure to stop at a red light

$903

$1,043

$1,202

$1,085

$1,307

Cheapest car insurance for drivers with bad credit in Jackson, TN

In many states, insurance companies look at your credit score to determine what you pay for car insurance. Drivers with bad credit are considered riskier to insure, so insurance companies charge them more for insurance — that’s why it’s especially important for drivers with poor credit to shop around and compare options before they buy insurance.

The table below shows the cheapest average rates for drivers in Jackson with bad credit.

Company

Rates for drivers with bad credit

GEICO

$1,517

Nationwide

$1,543

USAA

$1,546

Tennessee Farmers Mutual Insurance

$1,742

Grange Insurance

$2,082

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Buying car insurance in Jackson, TN

Most drivers need more than their state minimum amounts of insurance, but all drivers need to at least meet the minimums in order to drive legally. Tennessee’s minimum liability insurance requirements are:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $15,000

  • Maintain proof of financial responsibility by posing a bond with the Department of Revenue for $65,000 or making a cash deposit with the Department of Revenue for $65,000

The Volunteer State is a fault state when it comes to car accidents. This means that if you are the cause of an accident, then you and your insurance company are responsible for paying the other party’s medical bills and paying to repair or replace their damaged vehicle. 

The state also uses a modified comparative fault rule, which states if you are less than 50 percent responsible for the accident, you are still entitled to damages.

How to get cheap car insurance in Jackson, TN

Almost all car insurance companies offer discounts that can help you save. Here are a few of the most common:

  • Safe-driver discount: For drivers without any accident claims during a specific time frame

  • Low mileage discount: For drivers who who drive fewer than 7,000 miles annually 

  • Bundling discount: For bundling your home and auto or renters and auto policies with the same company

  • Military discount: A discount for active-duty service members and their families

Not all drivers will qualify for discounts, so comparing quotes is another reliable way to save on car insurance.

Frequently asked questions

Who has the lowest car insurance rates in Jackson?

According to our research, State Farm has the lowest insurance rates in the city, at $817 per year for full coverage.

Does my gender affect my insurance rates?

Some states don’t allow gender to be used as a factor when setting car insurance rates. However, Tennessee does allow car insurance companies to consider your gender, and male drivers typically pay higher rates overall.

I heard insurance rates go down at age 25, is that true?

Insurance rates for young drivers typically decrease at age 25, but it also depends on your driving record. As long as you’ve avoided accidents and tickets though, your rates should drop as you approach 25.

I got two tickets in the same month for speeding, will my rates go up?

Too many speeding tickets in a short time can raise your rates by hundreds, and if you incur too many points on your record, you could lose your license.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.