Southaven, MS Auto Insurance (2024)
The average Southaven, MS auto insurance rates are $313 per month. The minimum auto insurance in Southaven is at least 25/50/25 in coverage to comply with Mississippi auto insurance laws. To find the best cheap auto insurance in Southaven, Mississippi, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Southaven is USAA
- The average commute length in Southaven is 24.5 minutes
- Average auto insurance rates in Southaven, MS for senior drivers are $1,995 per year
Southaven, Mississippi auto insurance requirements are 25/50/25 according to Mississippi auto insurance laws. Finding cheap auto insurance in Southaven can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Southaven, Mississippi, including driving record, credit, commute time, and more.
Compare auto insurance in Southaven to other Mississippi cities, including Tupelo auto insurance rates, Biloxi auto insurance rates, and Greenville auto insurance rates to see how Southaven, Mississippi auto insurance rates stack up.
Before you buy Southaven, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Southaven, Mississippi auto insurance quotes.
Minimum Auto Insurance in Southaven, Mississippi
Southaven, Mississippi auto insurance laws require that you have at least the Mississippi minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Southaven, Mississippi.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Southaven, Mississippi Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Southaven, Mississippi are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,862 | $2,719 | $2,575 | $2,632 | $11,862 | $12,670 | $3,202 | $3,267 |
| Geico | $2,831 | $2,668 | $2,546 | $2,366 | $7,507 | $7,039 | $5,003 | $2,297 |
| Liberty Mutual | $2,587 | $2,797 | $2,070 | $2,321 | $9,614 | $10,688 | $2,752 | $2,896 |
| Nationwide | $2,052 | $2,094 | $1,848 | $1,943 | $4,266 | $5,385 | $2,348 | $2,529 |
| Progressive | $2,590 | $2,386 | $2,154 | $2,088 | $9,893 | $11,063 | $2,652 | $2,769 |
| State Farm | $1,943 | $1,943 | $1,758 | $1,758 | $5,897 | $7,412 | $2,173 | $2,482 |
| Travelers | $1,653 | $1,681 | $1,582 | $1,581 | $7,555 | $11,946 | $1,741 | $2,002 |
| USAA | $1,428 | $1,410 | $1,343 | $1,350 | $3,643 | $4,298 | $1,735 | $1,907 |
Cheap Southaven, Mississippi Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Southaven, Mississippi is a challenge. Take a look at the annual teen auto insurance rates in Southaven, Mississippi.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,862 | $12,670 |
| Geico | $7,507 | $7,039 |
| Liberty Mutual | $9,614 | $10,688 |
| Nationwide | $4,266 | $5,385 |
| Progressive | $9,893 | $11,063 |
| State Farm | $5,897 | $7,412 |
| Travelers | $7,555 | $11,946 |
| USAA | $3,643 | $4,298 |
Cheap Southaven, Mississippi Auto Insurance for Seniors
What are senior auto insurance rates in Southaven, Mississippi? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,575 | $2,632 |
| Geico | $2,546 | $2,366 |
| Liberty Mutual | $2,070 | $2,321 |
| Nationwide | $1,848 | $1,943 |
| Progressive | $2,154 | $2,088 |
| State Farm | $1,758 | $1,758 |
| Travelers | $1,582 | $1,581 |
| USAA | $1,343 | $1,350 |
Cheap Southaven, Mississippi Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Southaven, Mississippi compared to the annual auto insurance rates with a clean record in Southaven, Mississippi.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,376 | $5,179 | $6,351 | $4,990 |
| Geico | $2,552 | $3,820 | $5,738 | $4,018 |
| Liberty Mutual | $3,159 | $5,072 | $5,186 | $4,446 |
| Nationwide | $2,256 | $2,862 | $3,624 | $2,491 |
| Progressive | $3,787 | $5,130 | $4,441 | $4,440 |
| State Farm | $2,858 | $3,552 | $3,136 | $3,136 |
| Travelers | $3,245 | $3,396 | $4,687 | $3,543 |
| USAA | $1,664 | $2,137 | $2,902 | $1,855 |
Cheap Southaven, Mississippi Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Southaven, Mississippi is not easy. Compare the annual rates for DUI auto insurance in Southaven, Mississippi to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,351 |
| Geico | $5,738 |
| Liberty Mutual | $5,186 |
| Nationwide | $3,624 |
| Progressive | $4,441 |
| State Farm | $3,136 |
| Travelers | $4,687 |
| USAA | $2,902 |
Cheap Southaven, Mississippi Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Southaven, Mississippi annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,051 | $5,354 | $4,265 |
| Geico | $6,080 | $3,446 | $2,569 |
| Liberty Mutual | $6,388 | $3,926 | $3,084 |
| Nationwide | $3,284 | $2,684 | $2,457 |
| Progressive | $5,006 | $4,314 | $4,028 |
| State Farm | $4,571 | $2,772 | $2,169 |
| Travelers | $4,213 | $3,444 | $3,496 |
| USAA | $2,913 | $1,908 | $1,597 |
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Cheap Southaven, Mississippi Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Southaven, Mississippi can vary. Compare the annual cost of auto insurance by ZIP code in Southaven, Mississippi to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 38671 | $3,257 |
| 38672 | $3,231 |
Cheap Southaven, Mississippi Auto Insurance Rates By Commute
Commute length and annual mileage affect Southaven, Mississippi auto insurance. Find the cheapest annual Southaven, Mississippi auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,224 | $5,224 |
| Geico | $4,016 | $4,048 |
| Liberty Mutual | $4,466 | $4,466 |
| Nationwide | $2,808 | $2,808 |
| Progressive | $4,449 | $4,449 |
| State Farm | $3,092 | $3,249 |
| Travelers | $3,718 | $3,718 |
| USAA | $2,074 | $2,204 |
Cheap Southaven, Mississippi Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Southaven, Mississippi? Check out the comparison of annual Southaven, Mississippi auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,966 | $5,218 | $5,488 |
| Geico | $3,791 | $4,063 | $4,242 |
| Liberty Mutual | $4,206 | $4,447 | $4,743 |
| Nationwide | $2,628 | $2,799 | $2,997 |
| Progressive | $3,915 | $4,533 | $4,901 |
| State Farm | $2,960 | $3,158 | $3,394 |
| Travelers | $3,535 | $3,740 | $3,878 |
| USAA | $1,989 | $2,128 | $2,301 |
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Best By Category: Cheapest Auto Insurance in Southaven, Mississippi
Compare the cheapest auto insurance companies in Southaven, Mississippi in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Southaven, Mississippi Auto Insurance Companies
What auto insurance companies in Southaven, Mississippi are the cheapest? Compare the top Southaven, Mississippi auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,224 |
| Geico | $4,032 |
| Liberty Mutual | $4,466 |
| Nationwide | $2,808 |
| Progressive | $4,449 |
| State Farm | $3,171 |
| Travelers | $3,718 |
| USAA | $2,139 |
What affects auto insurance rates in Southaven, Mississippi?
There are a lot of reasons why auto insurance rates in Southaven, Mississippi are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Southaven, Mississippi. Many local factors may affect your Southaven auto insurance rates.
Southaven Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Southaven, Mississippi auto theft statistics, there have been 116 auto thefts in the city.
Southaven Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Southaven, Mississippi commute length is 24.5 minutes according to City-Data.
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Compare Southaven, Mississippi Auto Insurance Quotes
Before you buy Southaven, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Southaven, Mississippi auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Southaven, Mississippi?
According to Mississippi auto insurance laws, the minimum coverage in Southaven is 25/50/25.
How does age, gender, and marital status affect auto insurance rates in Southaven, Mississippi?
Auto insurance rates in Southaven are influenced by demographics. Factors like age, gender, and marital status can impact the annual cost of insurance.
Are there affordable auto insurance options for teen drivers in Southaven, Mississippi?
Finding cheap auto insurance for teen drivers in Southaven can be challenging. However, you can explore options and compare annual rates to find the best deal.
What are the average auto insurance rates for seniors in Southaven, Mississippi?
The annual average rates for senior drivers in Southaven, Mississippi can vary. It’s advisable to compare quotes from multiple companies to find the most affordable option.
How does driving record affect auto insurance rates in Southaven, Mississippi?
Your driving record has a significant impact on auto insurance rates. Comparing annual rates with a clean record versus a bad record can help you understand the difference in costs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.