Insurance Costs in Jackson, TN
Auto insurance in Jackson averages $1,540 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Jackson, TN: What You Need to Know
Jackson residents pay an average of $1,540 per year for full coverage auto insurance, which is 5.0% above the Tennessee state average and 8.0% below the national average.
With a population of 68,205, Jackson is a growing city in Tennessee. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,540 | $128 |
| Standard Coverage (50/100/50) | $1,263 | $105 |
| State Minimum (25/50/15) | $647 | $54 |
Homeowners Insurance in Jackson, TN
The average cost of homeowners insurance in Jackson is $1,836 per year ($153/month), which is near the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Jackson, TN
Renters insurance in Jackson averages $204 per year ($17/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Tennessee Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Nashville | $1,687/yr | $2,253/yr |
| Memphis | $1,878/yr | $2,399/yr |
| Knoxville | $1,496/yr | $1,919/yr |
| Chattanooga | $1,526/yr | $1,982/yr |
| Clarksville | $1,394/yr | $1,836/yr |
| Murfreesboro | $1,438/yr | $1,919/yr |
| Franklin | $1,291/yr | $2,253/yr |
| Johnson City | $1,350/yr | $1,711/yr |
How to Save on Insurance in Jackson
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Jackson can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Jackson, TN?
The average cost of car insurance in Jackson, TN is $1,540 per year for full coverage, or about $128 per month. Minimum coverage costs around $647 per year.
Is car insurance expensive in Jackson?
Car insurance in Jackson is relatively affordable compared to many U.S. cities.
How much is home insurance in Jackson?
Homeowners insurance in Jackson costs an average of $1,836 per year. Your actual cost depends on your home's value, age, construction type, and specific location.