Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (2024)

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Mississippi has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Hattiesburg typically pay around $105.67 per month compared to the national average of $146.43 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $146.43
Mississippi $102.05
Hattiesburg, Mississippi $105.67

Hattiesburg, MS Best Car Insurance Companies

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (1)

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Hattiesburg coming in around $50.13 per month. Other companies to consider if you live in Hattiesburg is Direct Administration with an average cost of $72.00 per month and USAA which typically runs around $74.98 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Hattiesburg.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $50.13-50.88%
2 Direct Administration $72.00-29.45%
3 USAA $74.98-26.52%
4 Direct General Insurance $96.51-5.43%
5 Direct Auto $101.36-0.68%
6 State Farm $104.762.66%
7 SAFECO $106.264.13%
8 Mississippi Farm Bureau $107.124.97%
9 Nationwide $147.3944.43%
10 ALFA $158.1254.94%

How Much is Car Insurance in Hattiesburg, MS?

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (2)

Rates can vary from city to city. The residents of Biloxi typically pay $106.27 per month while people who live in Brandon will pay $110.81 per month on average. See what people pay for car insurance in other cities in Mississippi.

Mississippi CitiesMonthly Average Rate
Biloxi $106.27
Gulfport $115.09
Hattiesburg $105.67
Jackson $113.07

Cheap Car Insurance in Hattiesburg by Zip Codes

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (3)

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Mississippi. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Hattiesburg, MS ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Hattiesburg

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $228.34 per month in Hattiesburg. Compare that to drivers in their 30’s who typically pay around $94.03 per month drivers in their 40s at $87.92 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Hattiesburg

If you are teen in Hattiesburg you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $148.19 per month. This is likely the most affordable option in Hattiesburg. You might also want to consider Mississippi Farm Bureau and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Mississippi Farm Bureau$178.88
State Farm$208.87
Direct Auto$236.32
Direct General Insurance$296.61

Cheapest Insurance for 20 Year-olds in Hattiesburg

20 year-olds in Hattiesburg might want to consider USAA who, on average, offers car insurance rates around $99.68 per month. Direct Auto , Direct General Insurance , State Farm and Mississippi Farm Bureau are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$122.82
Direct General Insurance$146.21
State Farm$151.22
Mississippi Farm Bureau$156.96

Cheapest Insurance for 30 Year-olds in Hattiesburg

If you are in your 30s in Hattiesburg our research has found that SAFECO typically has the most affordable coverage coming in around $50.42 per month, followed by Clearcover at $67.35 and USAA at $70.86.

CompanyAverage Monthly Rate
Direct Administration$72.00
Direct Auto$76.80

Cheapest Insurance for 40 Year-olds in Hattiesburg

On average, USAA offers car insurance for 40 year-olds in Hattiesburg for around $66.53 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or Direct General Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$73.06
Direct General Insurance$77.21
Mississippi Farm Bureau$98.25

Cheapest Insurance for 50 Year-olds in Hattiesburg

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Hattiesburg we found that Clearcover generally offers the most affordable coverage at $35.44 per month.

CompanyAverage Monthly Rate
Direct Auto$66.58
Direct General Insurance$69.33

Cheapest Insurance for 60 Year-olds in Hattiesburg

If you live in Hattiesburg and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $47.60 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct General Insurance$60.94
Direct Auto$61.97

Driver's Coverage Auto Insurance Rates in Hattiesburg, MS

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (4)

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Hattiesburg, the average monthly rate for a driver who is currently insured is $96.49 while drivers who are not currently covered will pay around $110.25.

CoverageAverage Monthly Rate
Not Currently Insured $110.25
Currently Insured $96.49

Compare Recent Car Insurance Quotes in Hattiesburg

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (5)

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Hattiesburg a driver of a 2018 Ford Focus can expect to pay around $106.72 per month while someone that owns a 2010 Dodge Ram 1500 may pay around $110.70 per month. Check out the list of recent quotes in Hattiesburg below.

VehicleAverage Monthly Rate
2018 Ford Focus$106.72
2010 Dodge Ram 1500$110.70
2015 Nissan Versa$88.14
2013 Lexus RX$85.70
2011 Lincoln MKZ$76.52
1998 Ford Windstar$68.52
2007 Hyundai Sonata$144.68
2014 Infiniti Q50$95.00
2018 Kia Optima$49.48
2006 Mercury Grand Marquis$84.60

FAQ's for Drivers in Hattiesburg, MS

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What Is the Minimum Liability Coverage Requirement in Hattiesburg, MS?

In Mississippi, you must carry a minimum of $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 property damage liability per accident. However,the State cautions residentsthat with the skyrocketing costs of medical care and rising expenses for auto repairs, the mandated minimum may not be enough to cover all costs in all accidents.

Mississippi follows a traditional tort or fault system. Fault is determined in accidents and people are free to pursue compensation by filing a claim through their own car insurance provider, the at-fault party’s carrier, or through personal injury litigation.

  • $25,000;Bodily injury coverage per person;Maximum payment for serious or permanent injury or death to a single person
  • $50,000;Bodily injury coverage per accident;Maximum payment for serious or permanent injury or death to multiple people
  • $25,000;Property damage per accident;Maximum payment for all damaged property in an accident caused by you

It’s important to realize that Mississippi’s minimum car insurance coverage requirements may not be adequate to pay for all damage and/or medical care resulting from a high-speed or otherwise serious accident. Also, these basic coverages don’t pay for damage from a variety of other causes, or for certain other types of common road troubles. Optional coverages are useful for greater peace of mind and financial protection for a better return on your investment in auto coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Hattiesburg, MS?

It’s against the law to drive in Mississippi at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Get more information about the state’s DUI laws and offender penalties from the Mississippi Office of Highway Safety website.

What are the consequences of being convicted of a DUI?

Like everywhere else in the country, Mississippi has tiered DUI consequences depending on the circ*mstances—particularly how many prior offenses a person has. Other aggravating factors that can increase penalties might include being under 21, causing an accident while impaired, causing another person’s death in a DUI-related crash, having an especially high BAC percentage, and others.

A first-time DUI offender can expect some or all of the following: A fine between $250 and $1,000, up to 48 hours in jail, compulsory attendance of an alcohol safety program at their own expense, and at least a 90-day suspension of driving privileges.

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (7)

Commute Time in Hattiesburg, MS

17.5 Miles

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (8)

Commute Time in United States

26.4 Miles

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (9)

Number of Nearest Insurance Agents in Hattiesburg, MS


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

About the Author

Fran Majidi Insurance Expert

Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (11)

Cheap Car Insurance Rates in Hattiesburg, Mississippi | SmartFinancial (2024)


Who has the cheapest car insurance in MS? ›

The cheapest car insurance companies in Mississippi
  • Cheapest company for minimum coverage: State Farm.
  • Cheapest company for full coverage: USAA.
  • Cheapest company for drivers with prior incidents: State Farm.
  • Cheapest company for young drivers: Shelter.

Who is known for cheapest car insurance? ›

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.

How much is car insurance in Mississippi per month? ›

Average Car Insurance Cost Mississippi

The average cost of full coverage car insurance in Mississippi is $1,434 per year or $120 per month. Mississippi motorists tend to pay about 17% less than the national average, which is $1,730 per year.

Who pays the cheapest car insurance? ›

State enrolled nurses also benefit from lower premiums, and groups such as magistrates and teachers also tend to pay less than average. Historically, women were deemed to be safer drivers than men and paid less for car insurance for women as a consequence.

Which insurance company is usually the cheapest? ›

The cheapest car insurance rate is $38 a month from Geico according to our research team's cost analysis of national average prices for minimum coverage. The top 10 cheapest car insurance companies are Nationwide, Geico, State Farm, Travelers, Progressive, AAA, Allstate, Chubb, Farmers and USAA.

Is Geico cheaper than Progressive? ›

Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.

What is the lowest car insurance group? ›

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

Who is most likely to pay a low premium for automobile insurance? ›

Years of driving experience

Drivers with many years of experience typically enjoy lower insurance prices than do newer drivers.

What is the cheapest car insurance for bad history? ›

What is the best insurance for people with bad credit? The most affordable auto insurance for drivers with bad credit is from Nationwide, GEICO or USAA, according to our research.

How much is no insurance in Mississippi? ›

State Penalties for Driving without Insurance
StateFine for First OffenseAdditional Penalties for First Offense
Minnesota$200License and registration suspension up to 30 days
Mississippi$500License suspension up to one year
Missouri$20License suspension until proof of insurance is provided
47 more rows
Apr 11, 2024

What is the minimum auto insurance coverage in Mississippi? ›

Mississippi car insurance laws require all drivers to have liability insurance of 25/50/25. This means your insurance must have a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 for property damage.

What is full coverage in Mississippi? ›

Full coverage insurance in Mississippi is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.

What's the cheapest car insurance to go with? ›

  • State Farm is the cheapest car insurance company among large insurers according to NerdWallet's analysis, with an average rate of $39 per month for minimum coverage.
  • American National offers the cheapest auto insurance among midsize companies, with an average rate of $27 per month.

Which insurance is best for a car? ›

Car Insurance CompanyMotor OD Claim Settlement Ratio FY23Network Garages
Royal Sundaram Car Insurance98.60%3,300+
Reliance Car Insurance98.00%8,200+
SBI Car Insurance100.00%16,000+
Future Generali Car Insurance96.30%3,500+
20 more rows

Why is my car insurance so expensive? ›

Why Is My Car Insurance So High? Your car insurance may be expensive because of your driving history, location, vehicle or credit history. Recent insurance claims and violations can increase your rates for three to five years. On the other hand, it's possible you also just have a more expensive car insurance company.

Is Allstate cheaper than Geico? ›

Geico and Allstate are both reasonably priced insurers for most drivers, but there are some clear differences when it comes to the average cost of their policies. As you can see in this chart, Geico is the cheaper of the two for the average driver.

Why is Geico so much cheaper? ›

Geico is so cheap because it sells directly to the consumer. Geico also offers many discounts that help customers save even more on top of its already-low premiums.

What is the cheapest category for car insurance? ›

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

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