Jackson Insurance Rates:

Jackson, MS home insurance is nearly $784 to $1,063, about $65-$88/month. Our detailed research indicates shoppers can save as much as $369 by getting multiple quotes

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Jackson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $970/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1770 sqft Rental Property Constructed In 1990 with Hardwood Flooring, Tile Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $590/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Bath 1400 sqft Seasonal Residence Constructed In 1982 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $730/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2710 sqft Vacation Property Constructed In 1966 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $560/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 4620 sqft Vacation Property Constructed In 1989 with Hardwood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/6 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $45,000

3 Beds, 3 Baths 1593 sqft Primary Residence Constructed In 1951 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Jackson, MS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
39206 $98,200 $940
39212 $93,300 $930
39204 $69,700 $910
39209 $66,600 $910
39213 $60,300 $910
39203 $49,100 $900
39216 $174,700 $980
39211 $173,400 $990
39202 $160,000 $980

Jackson Rates & Quotes Analysis:

Jackson Area Estimated House Insurance
Indian Creek Blvd, Shadow Wood Dr, Pearlwood Dr, N Fox Hall Rd, Leland St, Dogwood Pl, Summerwood Ln, Hand Dr, Asbury Lane Dr, Oakridge Trl$955
Lodi Dr, Hillandale Ln, White Oak Cir, Sherborne Pl, Dogwood Blvd, Asbury Ln, S Cobblestone Cv, Asbury Cv, Newport Rd, Ludlow Rd$968
Venus Dr, Asbury Sq, Gray Ln, Trigg Cir, Pine Way Hill, Henderson Ln, Shady Cir, Bryants Lndg, Cross Point Cv, Upper Windrush Cove$961
Hollow Ln, Joanie St, Military Dr, Waterbury Cove, Toland Dr, Lynwood Ln, Chickasaw Dr N, Nancy St, Autry St, Braeburn Ct$959
Liberty Park Dr, Rope St, Timberton Dr, Chalet Strasse, Veranda Pl, Pete Walker Ln, Pine Hill Pl, Trigg Cir, Fernwood Ln, Cross Creek Cove$972

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,539 Homes (22% of total homes ) built between 1960 to 1969 in Jackson are paying home insurance between $1,619-$1,633. Places close to Jackson, MS such as Richland, Pearl, Clinton are more expensive by $13, $16, $68 respectively while Bolton and Robinhood are cheaper by $24 and $27 respectively for similar homes.
  • Bedrooms: 19,498 2 bedrooms homes (26% of total homes ) in Jackson are paying about $721. Areas near to Jackson such as Clinton, Flowood, Ridgeland are costlier by $21, $39, $28 respectively whereas Richland and Bolton are more economical by $3, $19 respectively for similar homes.
  • Auto Insurance Bundling: 8,345 Households (25% of all households) in Jackson have 3 or more vehicles available and when it is bundled with home insurance you can save $231 compared to Richland ($233), Pearl ($233), Clinton ($240).
  • Senior Discounts: 16,075 seniors (more than 55 years) occupied housing units (48% of total) in Jackson get discounts between $138 to $140 in contrast with Richland ($139), Pearl ($140), Clinton ($144).
  • New Homes discounts: New homes such as the 22,760 homes built between 2000 to 2009 in Jackson can save $184 and similar new home insurance discounts in nearby towns and cities like Richland, Pearl and Clinton are $186, $186 and $192 respectively.

Jackson Homeowners insurance Facts

  • Jackson, MS has 32,918 owner occupied houses which is 52.9% of all units whereas Richland, Pearl and Clinton have 70.71%, 64.4% and 71.62% respectively.
  • Jackson, MS homeowners yearly insurance price at $924 is 1.01% of the typical house value of $91,900 which is in contrast with 0.88% in Richland, 0.86% at Pearl & 0.63% in Clinton.
  • Homeowners in Jackson, MS pay 3.36% of their income ($25,000 to $29,999) in insurance whereas homeowners in Richland, Pearl and Clinton pay 3.39%, 3.4% and 3.5% respectively.
  • Jackson, MS’s insurance is 7.3% of monthly housing costs of $1,059/month, for owners with a mortgage compared to 7.48% in Richland, 7.56% at Pearl & 6.35% in Clinton. But, for households without a mortgage, insurance is 21.5% of costs ($358 in Jackson, MS) in contrast with 23.54% in Richland, 25.44% at Pearl & 22.42% in Clinton.

Jackson, MS Home Values & Insurance rates

For example, insurance for 1,159 Homes (3.0% of total homes ) valued between $250,000 to $299,999 in Jackson, MS is about $2,762. Rates in nearby areas in such as Richland, Pearl, Clinton are cheaper by $349, $399, $1,039 respectively while Bolton and Robinhood are costlier by $654 and $828 respectively for similar homes.

Jackson, MS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,995 19.0% $249
$50,000 to $59,999 1,820 5.0% $526
$60,000 to $69,999 2,726 8.0% $646
$70,000 to $79,999 2,692 8.0% $748
$80,000 to $89,999 2,822 8.0% $850
$90,000 to $99,999 2,154 6.0% $951
$100,000 to $124,999 3,439 10.0% $1099
$125,000 to $149,999 2,539 8.0% $1376
$150,000 to $174,999 2,274 7.0% $1626
$175,000 to $199,999 1,147 3.0% $1884
$200,000 to $249,999 1,602 5.0% $2263
$250,000 to $299,999 1,159 3.0% $2762
$300,000 to $399,999 1,134 3.0% $3511

Renters Insurance in Jackson

  • Average Renters Insurance in Jackson :  $236($19/month)

  • Median Gross Rent in Jackson :  $756

  • Jackson Renters Insurance to Median Rent Ratio:  2.51%

  • Average household size of renter-occupied unit :  2.74

Jackson Renters Insurance as a Percentage of Rent

Jackson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 724 2.0% $359
$200 to $299 1,057 3.0% $809
$300 to $499 3,075 11.0% $1259
$500 to $749 8,304 31.0% $1934
$750 to $999 8,315 31.0% $2684
$1,000 to $1,499 4,865 18.0% $3809
$1,500 or more 409 1.0% $5459

Rent Affordability in Jackson:

Approximately 58.0% (17,224) of households are spending more than 35% of their income on gross rent in Jackson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,834 6.0%
15.0 to 19.9 percent 2,586 8.0%
20.0 to 24.9 percent 2,844 9.0%
25.0 to 29.9 percent 2,657 9.0%
30.0 to 34.9 percent 2,197 7.0%
35.0 percent or more 17,224 58.0%

Protective device discount in Jackson Up to :  $35

Claims-free discount in Jackson Up to :  $47