Car Insurance Quotes Jackson tn

The essentiality of car insurance in Tennessee, particularly in Jackson, cannot be overstated. In an area where auto insurance rates vary significantly based on many factors, drivers must understand how these factors play a role in their premiums.

Car insurance rates in Jackson, TN, can vary slightly depending on the ZIP code. the differences are minimal, with most ZIP codes averaging similar monthly premiums. For full coverage insurance, monthly rates is around $124, while liability insurance coverage averages about $39 across ZIP codes 38301, 38302, 38303, 38305, 38308, and 38314. These rates provide a general benchmark, but individual premiums can fluctuate based on specific driver profiles and other considerations (Elizabeth Rivelli, 2025).

Insurance companies in Jackson, Tennessee, consider many factors when calculating car insurance premiums. These factors help insurers assess risk and determine appropriate rates. Key factors include education, occupation, the type of vehicle, ZIP code, credit score, and marital status. age and driving history play significant roles in determining insurance costs. younger drivers and those with a history of accidents or traffic violations typically face higher premiums. Insurers also consider the frequency of thefts, collisions, and vandalism in a given ZIP code to gauge the likelihood of such incidents happening to drivers within that area.

A speeding ticket can impact car insurance rates due to the increased risk of accidents. The severity of the ticket and the driver’s existing record influence the extent of the premium increase. State Farm generally offers the cheapest car insurance for drivers with a speeding ticket in Jackson, with an average monthly premium of $27 . Other companies with relatively affordable rates for drivers with speeding tickets include USAA ($33/month), GEICO ($37/month), Travelers ($39/month), and Auto-Owners ($39/month).

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Affordable Car Insurance Rates by Zip Code in Jackson, Tenn.

The following chart shows the average monthly rates for Jackson auto insurance by zip code.

Zip Code Full Coverage Insurance Liability Insurance Coverage
38301……………$124………………………………………..$39
38302…………..$124………………………………………..$39
38303…………..$124………………………………………..$39
38305…………..$123………………………………………..$39
38308…………..$124……………………………………….$39
38314……………$124……………………………………….$39

Factors Allowed in Jackson Car Insurance Rates

Insurance companies take into account several factors when calculating your premiums, including the following.

Education
Occupation
Type of vehicle
Zip code
Credit score
Marital status

Cheapest car insurance for drivers with a speeding ticket: State Farm

Due to the increased likelihood of an accident, speeding fines can frequently result in higher insurance rates. The number of points you currently have on your driving record determines how much your premium will go up.

State Farm offers the most affordable insurance for drivers in Jackson who have received a speeding ticket, with an average monthly premium of $27. The most affordable insurance for Jackson drivers with speeding fines is broken down below.

Insurance Company Clean Driving Record With Speeding Ticket
State Farm…………………$21……………………………………………$27
USAA………………………..$25……………………………………………$33
GEICO………………………$28……………………………………………$37
Travelers…………………..$29…………………………………………..$39
Auto-Owners…………….$29……………………………………………$39
Erie………………………….$31……………………………………………$42
Mile Auto………………….$39…………………………………………..$51
Allstate…………………….$39……………………………………………$51
Farmers……………………$42…………………………………………..$55
Nationwide……………….$52…………………………………………..$69

Minimum Car Insurance Requirements in Jackson, Tenn.

Minimum coverage limits required under Tennessee law are as follows:

Minimum Car Insurance Requirements in Jackson, Tenn.
Minimum coverage limits required under Tennessee law are as follows:
Bodily Injury Coverage per Person: $25,000
Bodily Injury Coverage per Accident: $50,000
Property Damage Per Accident: $25,000

We advise getting a higher coverage policy whenever possible and including uninsured motorist coverage (UIM) because Tennessee’s minimum property damage liability is only $15,000. you may have to pay large amount of money out of pocket if you cause an accident and someone’s new car. If you get injured in a accident you cause, you could get assistance with paying for your medical care. You can opt for medical coverage through MedPay. if you are in an accident with an uninsured driver, your UIM will assist with the costs.

Independent Insurance Companies near Jackson, Tennessee

Find a legal agent to get the best deal on auto insurance in Jackson, TN. To find the right car insurance policy that meets your demand. you can search for car insurance companies near you in Jackson, Tennessee, these are some of the insurance companies to choose from.

Fsb Insurance

(731) 668-9312
23 Federal Dr
Jackson, TN 38305

Larry E Crum & Associates LLC

Open Until 5:00 PM
(731) 660-3663
200 Stonebridge Blvd
Suite K
Jackson, TN 38305

Sunstar Insurance Group LLC

(731) 668-9312
460 Oil Well Rd
Jackson, TN 38305

Brooks Edward McDonald

Open Until 5:00 PM
(731) 668-8054
15C Old Humboldt Rd
Jackson, TN 38305

Ebbco Insurance Agency LLC

731) 984-7372
2797 N Highland Ave
Jackson, TN 38305

Meeting the minimum coverage requirements is essential, but considering higher limits and additional coverage options like UIM can provide greater financial protection mFor additional information, visit here.

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