Southaven Car Insurance

How much does car insurance cost in Southaven, MS? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Southaven?

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 Southaven typically pay around $127.29 per month compared to the national average of $167.23 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 $167.23
Mississippi $112.19
Southaven, Mississippi $127.29

Southaven, MS Best Car Insurance Companies

car insurance in Southaven

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 Southaven coming in around $41.79 per month. Other companies to consider if you live in Southaven is SAFECO with an average cost of $65.00 per month and USAA which typically runs around $101.25 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Southaven.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $41.79-62.75%
2 SAFECO $65.00-42.06%
3 USAA $101.25-9.75%
4 Direct General Insurance $109.15-2.71%
5 Mississippi Farm Bureau $130.6316.43%
6 State Farm $130.8516.63%
7 ALFA $147.1431.15%
8 Direct Auto $160.4443.01%
9 Nationwide $185.9665.75%
10 Direct Administration $192.0071.14%

How Much is Car Insurance in Southaven, MS?

how much is auto insurance in Southaven

Rates can vary from city to city. The residents of Biloxi typically pay $106.52 per month while people who live in Brandon will pay $111.70 per month on average. See what people pay for car insurance in other cities in Mississippi.

Mississippi CitiesMonthly Average Rate
Biloxi $106.52
Gulfport $116.46
Hattiesburg $109.29
Jackson $121.63
Southaven $127.29

Cheap Car Insurance in Southaven by Zip Codes

find cheap auto insurance in Southaven

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.

Southaven, MS ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Southaven

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $265.99 per month in Southaven. Compare that to drivers in their 30’s who typically pay around $101.53 per month drivers in their 40s at $100.45 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 Southaven

If you are teen in Southaven 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, Direct Auto typically charges around $204.64 per month. This is likely the most affordable option in Southaven. You might also want to consider Mississippi Farm Bureau and Safe Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$204.64
Mississippi Farm Bureau$206.68
Safe Auto$214.78
Direct General Insurance$287.05

Cheapest Insurance for 20 Year-olds in Southaven

20 year-olds in Southaven might want to consider USAA who, on average, offers car insurance rates around $131.13 per month. Direct General Insurance , State Farm , Mississippi Farm Bureau and Direct Administration are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct General Insurance$168.82
State Farm$178.38
Mississippi Farm Bureau$189.72
Direct Administration$192.00

Cheapest Insurance for 30 Year-olds in Southaven

If you are in your 30s in Southaven our research has found that Direct Auto typically has the most affordable coverage coming in around $61.71 per month, followed by Direct General Insurance at $74.75 and USAA at $82.77.

CompanyAverage Monthly Rate
Direct Auto$61.71
Direct General Insurance$74.75
State Farm$95.88
Mississippi Farm Bureau$109.97

Cheapest Insurance for 40 Year-olds in Southaven

On average, USAA offers car insurance for 40 year-olds in Southaven for around $81.54 per month. If you are looking for affordable coverage, you may also want to consider Direct General Insurance or Mississippi Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct General Insurance$91.68
Mississippi Farm Bureau$111.73
State Farm$121.08

Cheapest Insurance for 50 Year-olds in Southaven

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Southaven we found that Direct General Insurance generally offers the most affordable coverage at $75.57 per month.

CompanyAverage Monthly Rate
Direct General Insurance$75.57
State Farm$111.18
Mississippi Farm Bureau$117.04

Cheapest Insurance for 60 Year-olds in Southaven

If you live in Southaven and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $41.79 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct General Insurance$65.56
State Farm$75.73
Mississippi Farm Bureau$79.76

Driver's Coverage Auto Insurance Rates in Southaven, MS

driver's coverage

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 Southaven, the average monthly rate for a driver who is currently insured is $118.62 while drivers who are not currently covered will pay around $135.12.

CoverageAverage Monthly Rate
Not Currently Insured $135.12
Currently Insured $118.62

Compare Recent Car Insurance Quotes in Southaven

auto insurance quotes in Southaven city

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 Southaven a driver of a 2009 GMC Envoy can expect to pay around $57.63 per month while someone that owns a 2023 Hyundai Elantra may pay around $47.90 per month. Check out the list of recent quotes in Southaven below.

VehicleAverage Monthly Rate
2009 GMC Envoy$57.63
2023 Hyundai Elantra$47.90
2008 Chevrolet Silverado$66.65
2010 Cadillac Escalade$79.33
2017 Nissan Pathfinder$94.88
2017 Nissan Murano$100.77
2008 Audi A4$70.03
2022 Toyota Rav4$120.35
2007 Toyota Tacoma$72.62

FAQ's for Drivers in Southaven, MS

driver’s frequently asked question in Southaven

What Is the Minimum Liability Coverage Requirement in Southaven, 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 residents that 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 Southaven, 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 circumstances—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.

Check Out Other Rates in Southaven, MS Nearby Cities:

Bartlett, TN

Collierville, TN

Germantown, TN

Memphis, TN


Commute Time in Southaven, MS

23.2 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Southaven, 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.

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