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 $123.02 per month compared to the national average of $135.61 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 $135.61
Mississippi $103.39
Southaven, Mississippi $123.02

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, Direct Auto generally has the most affordable car insurance in Southaven coming in around $70.84 per month. Other companies to consider if you live in Southaven is USAA with an average cost of $72.29 per month and Direct General Insurance which typically runs around $75.42 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 Direct Auto $70.84-31.48%
2 USAA $72.29-30.08%
3 Direct General Insurance $75.42-27.05%
4 SAFECO $97.85-5.37%
5 State Farm $110.156.53%
6 Mississippi Farm Bureau $121.6617.67%
7 Nationwide $126.7422.59%
8 Shelter $165.7560.31%
9 ALFA $174.4668.73%
10 Travelers $184.3378.28%

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 $120.92 per month while people who live in Columbus will pay $86.05 per month on average. See what people pay for car insurance in other cities in Mississippi.

Mississippi CitiesMonthly Average Rate
Biloxi $120.92
Columbus $86.05
Hattiesburg $108.79
Jackson $114.10
Meridian $99.48
Southaven $123.19

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
38671$121.31
38672$135.43

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 $310.36 per month in Southaven. Compare that to drivers in their 30’s who typically pay around $99.25 per month drivers in their 40s at $79.20 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
16-19$310.36
20s$149.78
30s$99.25
40s$79.20
50s$68.99
60s$71.82
70+$82.22

Cheapest Insurance for Teenage Drivers in Southaven

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Cheapest Insurance for 20 Year-olds in Southaven

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Cheapest Insurance for 30 Year-olds in Southaven

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Cheapest Insurance for 40 Year-olds in Southaven

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Cheapest Insurance for 50 Year-olds in Southaven

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Cheapest Insurance for 60 Year-olds in Southaven

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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 while drivers who are not currently covered will pay around .

CoverageAverage Monthly Rate

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 can expect to pay around per month while someone that owns a may pay around per month. Check out the list of recent quotes in Southaven below.

VehicleAverage Monthly Rate

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.

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Commute Time in Southaven, MS

23.2 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Southaven, MS

158

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.

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