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.
| Area | Average Monthly Rate |
|---|---|
| National | $146.43 |
| Mississippi | $102.05 |
| Hattiesburg, Mississippi | $105.67 |
Hattiesburg, MS Best Car Insurance Companies
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.
| Rank | Company | Average Monthly Rate | Comparison 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 | $104.76 | 2.66% |
| 7 | SAFECO | $106.26 | 4.13% |
| 8 | Mississippi Farm Bureau | $107.12 | 4.97% |
| 9 | Nationwide | $147.39 | 44.43% |
| 10 | ALFA | $158.12 | 54.94% |
How Much is Car Insurance in Hattiesburg, MS?
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 Cities | Monthly Average Rate |
|---|---|
| Biloxi | $106.27 |
| Brandon | $110.81 |
| Brookhaven | $95.74 |
| Clinton | $113.11 |
| Columbus | $90.09 |
| Greenville | $89.80 |
| Gulfport | $115.09 |
| Hattiesburg | $105.67 |
| Jackson | $113.07 |
| Laurel | $98.83 |
| Meridian | $95.44 |
| Natchez | $110.25 |
| Pascagoula | $102.31 |
| Tupelo | $96.44 |
| Vicksburg | $103.57 |
Cheap Car Insurance in Hattiesburg by Zip Codes
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 Code | Average Monthly Rate |
|---|---|
| 39401 | $104.28 |
| 39402 | $106.95 |
| 39404 | $61.52 |
| 39406 | $197.83 |
| 39443 | $84.13 |
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 Group | Average Monthly Rate |
|---|---|
| 16-19 | $228.34 |
| 20s | $143.08 |
| 30s | $94.03 |
| 40s | $87.92 |
| 50s | $77.61 |
| 60s | $67.83 |
| 70+ | $83.10 |
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.
| Company | Average Monthly Rate |
|---|---|
| USAA | $148.19 |
| 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.
| Company | Average Monthly Rate |
|---|---|
| USAA | $99.68 |
| 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.
| Company | Average Monthly Rate |
|---|---|
| SAFECO | $50.42 |
| Clearcover | $67.35 |
| USAA | $70.86 |
| 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.
| Company | Average Monthly Rate |
|---|---|
| USAA | $66.53 |
| Direct Auto | $73.06 |
| Direct General Insurance | $77.21 |
| SAFECO | $86.42 |
| 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.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $35.44 |
| USAA | $58.88 |
| Direct Auto | $66.58 |
| Direct General Insurance | $69.33 |
| SAFECO | $77.83 |
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.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $47.60 |
| USAA | $55.20 |
| Direct General Insurance | $60.94 |
| SAFECO | $61.08 |
| Direct Auto | $61.97 |
Driver's Coverage Auto Insurance Rates in Hattiesburg, MS
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.
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $110.25 |
| Currently Insured | $96.49 |
Compare Recent Car Insurance Quotes in Hattiesburg
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.
| Vehicle | Average 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
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.
Commute Time in Hattiesburg, MS
17.5 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Hattiesburg, MS
166
Methodology
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 ExpertFran 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.
