A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Jackson for teen drivers is USAA
  • Average car insurance rates in Jackson, TN are $284/month
  • The cheapest car insurance company in Jackson after a DUI is State Farm

Average car insurance rates in Jackson, Tennessee are $284 a month. But with a little research you can get a great deal from the top car insurance companies in Jackson, TN. Before you buy Jackson, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Jackson car insurance rates with Hendersonville car insurance rates, Bartlett car insurance rates, or Knoxville car insurance rates to make sure you’re getting the best Jackson, TN car insurance quotes available.

Need affordable Jackson, TN car insurance? Enter your ZIP code to compare Jackson car insurance quotes from multiple car insurance companies near you.

Jackson, TN Minimum Car Insurance Coverage

Jackson, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Jackson, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Jackson, TN Car Insurance Rates by Coverage Level

Some Jackson drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Jackson, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Jackson, Tennessee

Insurance Company Low Medium High
Allstate $4,723 $4,898 $5,109
Farmers $2,979 $3,138 $3,337
GEICO $3,099 $3,241 $3,397
Liberty Mutual $6,387 $6,680 $6,976
Nationwide $3,711 $3,598 $3,719
Progressive $3,380 $3,606 $3,829
State Farm $2,740 $2,936 $3,085
Travelers $2,781 $2,972 $3,169
USAA $2,734 $2,814 $2,925

Jackson, TN Car Insurance Rates by Age, Gender, and Marital Status

Jackson, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Jackson, TN car insurance, get quotes from multiple car insurance companies in the Jackson area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jackson, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,859 $2,750 $2,567 $2,666 $10,639 $11,571 $3,059 $3,168
Farmers $1,676 $1,707 $1,505 $1,648 $6,778 $7,223 $2,269 $2,401
GEICO $2,144 $2,162 $1,972 $1,972 $6,584 $6,696 $2,183 $2,252
Nationwide $2,349 $2,372 $2,099 $2,138 $6,450 $8,350 $2,704 $2,947
Progressive $1,863 $1,764 $1,520 $1,582 $8,186 $9,228 $2,245 $2,448
State Farm $1,773 $1,773 $1,604 $1,604 $5,452 $6,834 $2,005 $2,319
Travelers $1,881 $1,981 $1,725 $1,836 $5,449 $6,816 $2,001 $2,106
USAA $1,602 $1,634 $1,443 $1,446 $5,654 $6,486 $2,095 $2,237

Jackson, TN Car Insurance Rates for Teens

How much is Jackson, Tennessee car insurance for teens? Compare rates from top Jackson car insurance companies below to help find the cheapest teen car insurance in Jackson, TN.

Annual Car Insurance Rates for Teen Drivers in Jackson, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,639 $11,571
Farmers $6,778 $7,223
GEICO $6,584 $6,696
Nationwide $6,450 $8,350
Progressive $8,186 $9,228
State Farm $5,452 $6,834
Travelers $5,449 $6,816
USAA $5,654 $6,486

Jackson, TN Car Insurance Rates for Seniors

Before seniors buy Jackson, Tennessee car insurance, they should make sure to shop around. Some Jackson, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Jackson, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,567 $2,666
Farmers $1,505 $1,648
GEICO $1,972 $1,972
Nationwide $2,099 $2,138
Progressive $1,520 $1,582
State Farm $1,604 $1,604
Travelers $1,725 $1,836
USAA $1,443 $1,446

Jackson, TN Car Insurance Rates by Credit History

How does your credit history affect Jackson, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Jackson, Tennessee

Insurance Company Poor Fair Good
Allstate $6,269 $4,796 $3,664
Farmers $3,746 $2,933 $2,775
GEICO $3,681 $3,154 $2,901
Liberty Mutual $9,577 $5,873 $4,593
Nationwide $4,425 $3,503 $3,100
Progressive $4,063 $3,492 $3,259
State Farm $4,243 $2,544 $1,975
Travelers $3,774 $2,981 $2,168
USAA $4,100 $2,397 $1,976

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Jackson, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Jackson, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Jackson.

Annual Jackson, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,121 $4,909 $5,905 $4,704
Farmers $2,696 $3,323 $3,399 $3,185
GEICO $2,360 $3,161 $5,101 $2,360
Liberty Mutual $5,416 $7,814 $7,264 $6,230
Nationwide $3,173 $3,173 $4,795 $3,564
Progressive $3,177 $4,114 $3,385 $3,742
State Farm $2,660 $3,181 $2,920 $2,920
Travelers $2,404 $3,098 $3,435 $2,960
USAA $2,055 $3,075 $3,619 $2,548

Jackson, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Jackson, TN car insurance rates. Compare rates below to see which Jackson car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Jackson, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,905
Farmers $3,399
GEICO $5,101
Liberty Mutual $7,264
Nationwide $4,795
Progressive $3,385
State Farm $2,920
Travelers $3,435
USAA $3,619

Jackson, TN Car Insurance Rates by ZIP Code

Just like Jackson car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Jackson, TN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Jackson, Tennessee

ZIP Code Average Annual Rates
38301 $3,809
38305 $3,833

Jackson, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Jackson, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Jackson companies based on commute time.

Annual Car Insurance Rates by Commute Length in Jackson, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,910 $4,910
Farmers $3,151 $3,151
GEICO $3,225 $3,266
Liberty Mutual $6,681 $6,681
Nationwide $3,676 $3,676
Progressive $3,605 $3,605
State Farm $2,849 $2,992
Travelers $2,857 $3,092
USAA $2,744 $2,905

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Jackson, TN Cheapest Car Insurance Rates

How do the top Jackson, Tennessee car insurance companies’ average rates stack up against the Jackson average monthly car insurance rates of $284? Take a look and see.

Best Annual Car Insurance Rates by Company in Jackson, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Jackson, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Jackson, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Jackson, Tennessee

Insurance Company Average Annual Rates
Allstate $4,910
Farmers $3,151
GEICO $3,246
Nationwide $3,676
Progressive $3,605
State Farm $2,920
Travelers $2,974
USAA $2,824

Other Factors Affecting Jackson, TN Car Insurance Rates

Before you buy Jackson, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Jackson, TN Commute Time

How does your Jackson, TN commute time compare with the average driver? In Jackson, the average commute is 17.6 minutes.

Jackson, TN Traffic

Spending time in Jackson traffic can lead to higher car insurance rates. According to INRIX data, Jackson, TN ranks as the 295th-most congested with traffic in the world.

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Jackson, TN Car Insurance Quotes

Compare Jackson, TN car insurance quotes from multiple companies by entering your ZIP code now.