Best Pascagoula, Mississippi Auto Insurance in 2025 (Check Out the Top 10 Companies)

State Farm, Geico, and Allstate offer the best auto insurance in Pierson, Florida, with monthly rates as low as $40.

Why do auto insurance rates vary so much? To answer this question, keep reading and discover the factors affecting your car insurance rates, such as driving records and coverage choices.

Get the information you need to easily find the right auto insurance for residents in Pascagoula, MS, and score the best coverage that fits your budget.

Our Top 10 Company Picks: Best Pascagoula, Mississippi Auto Insurance

Get the best auto insurance rates possible by entering your ZIP code above into our free comparison tool today.

#1 – State Farm: Best for Customer Service

Pros

• Local Agent Network:  A solid presence in Pascagoula means you get personalized service and can chat with agents who understand the local scene, as highlighted in State Farm auto insurance review.
• Cheap Rates:  In Pascagoula, Mississippi, you can get full coverage for $155 a month. That’s pretty average compared to other providers, giving you a good mix of price and solid protection.
• Diverse Discount Options: Offers Pascagoula drivers various savings, including discounts for safe driving, anti-theft measures, good students, defensive driving, and bundling.

Cons

• Limited Online Tools: Offers fewer advanced digital tools than some other options, which could be a hassle for tech-savvy residents of Pascagoula who want an easy way to manage their policies online.
• Higher Minimum Coverage Cost:  At $50 a month for basic coverage in Pascagoula, it’s more expensive than some other options, which could affect drivers who are trying to stick to a budget.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Rates Leader: Provides the second-cheapest full coverage insurance at $137 a month in Pascagoula, Mississippi, making it a great option for budget-minded drivers in the region.
• Solid Financial Health: Geico has an A++ rating from A.M. Best, which means that people with policies in Pascagoula can trust that Geico will be able to pay claims, even during major disasters.
• Loyalty Rewards: As mentioned in Geico auto insurance review, they offer discounts to long-time customers in Pascagoula, which can result in considerable savings over the years.

Cons

• Limited Local Presence: Compared to some other companies, there aren’t many physical offices in Pascagoula, which can be a disadvantage for people who prefer to handle their policies in person.
• Customization Options: Offers little customization options. It does not provide the flexibility some competitors do. This can be a problem for drivers in Pascagoula who have specific insurance needs.

#3 – Allstate: Best for Online Tools

Pros

• Cutting-Edge Online Tools: This program gives the Pascagoula drivers the tools they need to manage policies, file claims, and understand insurance.
• Comprehensive Coverage Options: Explore our Allstate auto insurance review.  They offer many add-ons and options. This lets drivers in Pascagoula shape their policies to fit their needs.
• Multi-Policy Savings: Pascagoula customers can receive discounts of up to 25% by bundling their auto insurance with home insurance, which is beneficial for those requiring multiple insurance policies.

Cons

• Higher Premium Rates: At $155 a month for comprehensive coverage in Pascagoula, Allstate is one of the more expensive options. This might discourage people who are trying to stick to a budget.
• Complex Discount Structure: There are many different discounts for drivers in Pascagoula, and it can be a bit confusing. To save the most money, you need to look closely at all the options.

#4 – Progressive: Best for Snapshot Savings

Pros

• Snapshot Program Benefits: Offers Pascagoula drivers the opportunity to save up to 30% through the usage-based Snapshot program. (Learn More: Progressive Auto Insurance Review)
• Competitive Full Coverage Rate: Provides full coverage at $150 per month in Pascagoula, positioning it as a mid-range option balancing cost and comprehensive protection for local drivers.
• Accident Forgiveness Option: Pascagoula policyholders can add accident forgiveness to their plans, protecting their rates from increasing after a first-time accident in the area.

Cons

• Limited Brick-And-Mortar Presence: Fewer physical locations in Pascagoula compared to some competitors, which may inconvenience residents who prefer face-to-face interactions.
• Potential Rate Increases: Some Pascagoula drivers may see rate hikes after participating in the Snapshot program if their driving habits don’t meet the company’s standards.

#5 – Liberty Mutual: Best for Custom Options

Pros

• Customizable Coverage Options: Pascagoula drivers can have the flexibility to tailor their policies with unique add-ons. Learn more in our Liberty Mutual auto insurance review.
• RightTrack Program: Pascagoula policyholders can save up to 30% through the usage-based RightTrack program, which rewards safe driving habits on local roads.
• Teacher-Specific Benefits: Provides special perks for educators in Pascagoula, including vandalism loss protection and personal property coverage while on school premises.

Cons

• Higher-Than-Average Rates: In Pascagoula, paying $153/month for full insurance is more expensive than usual. This could make people who are careful with their cash rethink before buying it.
• Complex Quote Process:  Getting a quote for insurance in Pascagoula might take a little longer than with some other companies because they need more information from you at the start.

#6 – Nationwide: Best for Full Coverage

Pros

• Comprehensive Coverage Focus: Provides strong full coverage plans for $148 a month in Pascagoula, giving drivers who want more than just basic insurance a lot of protection.
• On Your Side Review: Check out Nationwide auto insurance review, which includes yearly policy reviews for customers in Pascagoula to make sure their coverage is current.
• Vanishing Deductible Feature:  Allows people with Pascagoula insurance to lower their deductible by $100 for each year they drive safely, up to a total reduction of $500.

Cons

• Limited Local Agent Network: Pascagoula has fewer physical offices than some competitors, which could be a disadvantage for residents who prefer face-to-face service.
• Average Customer Satisfaction: Pascagoula customers have had a mix of opinions about claims handling and customer service, which might mean their experiences vary quite a bit around here.

#7 – American Family: Best for Good Discounts

Pros

• Extensive Discount Offerings: Provides Pascagoula drivers with numerous ways to save, including good driver, bundling, accident-free, defensive driving, and paperless discounts tailored to local needs.
• Cheap Full Coverage Rate: In Pascagoula, you can get full coverage for $146 a month. It stands out as one of the more affordable choices for complete protection in the region.
• KnowYourDrive Program: Pascagoula policyholders can save up to 20% through this usage-based program, read more about this program in our American Family auto insurance review.

Cons

• Limited Availability: Not as widely available in Pascagoula as some national competitors, potentially limiting access for some residents in the area.
• Mixed Customer Reviews: Some Pascagoula customers report challenges with claims processing and customer service, indicating potential inconsistencies in local experiences.

#8 – The Hartford: Best for Senior Drivers

Pros

• Senior Driver Specialization: Explore The Hartford auto insurance review, which offers tailored coverage and benefits for Pascagoula’s senior drivers.
• Lifetime Renewability: Guarantees policy renewal for Pascagoula drivers aged 50 and older, providing long-term insurance security for the area’s senior population.
• AARP Member Discounts:  AARP members in Pascagoula can find discounts and benefits that might save them a good deal on auto insurance.

Cons

• Higher Rates for Non-Seniors: At $152 per month for full coverage in Pascagoula, The Hartford may be less competitive for younger drivers or those not eligible for senior discounts.
• Limited Appeal for Younger Drivers: Young drivers in Pascagoula might not get as many special offers or discounts as they would with other insurance companies.

#9 – Travelers: Best for Flexible Plans

Pros

• Flexible Coverage Options: Pascagoula drivers can choose from many different coverage options. They can tailor their policies to fit their needs, ensuring they have what they require for the roads they travel.
• Competitive Pricing: Provides full coverage at $147 per month in Pascagoula. Learn more about their rates in our Travelers auto insurance review.
• IntelliDrive Program: Pascagoula policyholders can save up to 20% through this usage-based program, which rewards safe driving habits on local roads and highways.

Cons

• Complex Policy Structure:There are many different choices and extras when it comes to car insurance, which can be confusing for some drivers in Pascagoula.
• Customer Service Reviews: Some people in Pascagoula have shared that their experiences can be very different when they ask for help or try to fix problems.

#10 – USAA: Best for Military Members

Pros

• Lowest Rates for Eligible Members: Offers the most affordable full coverage rate at $135 per month in Pascagoula, providing exceptional value for military members and their families in the area.
• Military-Specific Benefits: Provides unique perks for Pascagoula’s service members, such as coverage during deployment and discounts for garage parking on military bases.
• Top-Rated Customer Service: As mentioned in our USAA auto insurance review, they consistently receive high marks, ensuring Pascagoula policyholders receive quality support.

Cons

• Limited Eligibility:  Eligibility is strict. This offer is for active military, veterans and their close families in Pascagoula. Many others in the town are left out.
• Fewer Local Offices:  Fewer local offices mean less presence in Pascagoula. This might be a problem for those who like to meet in person to manage their policies.

Minimum Auto Insurance in Pascagoula, Mississippi

When it comes to auto insurance in Pascagoula, understanding the differences between minimum and full coverage is crucial for making an informed decision.

While minimum coverage meets legal requirements, full coverage provides enhanced protection against a wider range of risks. Below is a comparison table outlining the rates and coverage details for both options.

Pascagoula, Mississippi Auto Insurance Monthly Rates by Provider & Coverage Level

Affordable Auto Insurance in Pascagoula, MS by Demographic Factors

The cost of full coverage auto insurance varies widely. It hinges on age, gender, and marital status. This understanding is vital for those selecting a policy that meets their needs and budget. Below, a table lays out monthly rates from various insurance companies, categorized by age and gender. It provides a clear comparison to aid drivers in making informed decisions.

Pascagoula, Mississippi Full Coverage Auto Insurance Monthly Rates by Age & Gender

This knowledge gives Pascagoula drivers the strength to select the right policy so they can find the best protection for their needs.

Low-Cost Car Insurance in Pascagoula, MS by Driving History

Drivers in Pascagoula seeking auto insurance must know how auto insurance companies check driving records. This understanding will help them gauge potential costs. Prices change depending on whether a person has a clean record or has faced accidents, tickets, or DUIs.

Pascagoula, Mississippi Full Coverage Auto Insurance Monthly Rates by Driving Record

It’s a good idea to check how you’ve been driving every month. This helps you see what you did before and how it affects how much you pay for insurance. By knowing this, you can drive safely and pick the best insurance plan for you.

Affordable Pascagoula Auto Insurance After a DUI

In Pascagoula, Mississippi, a DUI changes everything. It hits your wallet hard when it comes to auto insurance. Here is a table with the costs of full coverage from various companies for those who have one DUI.

Pascagoula, Mississippi DUI Full Coverage Auto Insurance Rates

Drivers in Pascagoula must know how a DUI can change their insurance costs. The townsfolk can seek out the best coverage that suits their wallets by comparing various rates.

Dublin, GA Auto Insurance Costs by Credit Score

Drivers with good credit typically face higher rates, with companies like Allstate and Liberty Mutual charging between $505 and $564. Those with poor credit benefit from lower premiums, especially with USAA, where rates can drop to as low as $139.

Pascagoula, Mississippi Full Coverage Auto Insurance Monthly Rates by Credit Score

This trend highlights how having a good credit score can really help you get better insurance rates. Nationwide takes a more laid-back approach, with rates that stay pretty steady no matter what your credit score is.

For Pascagoula drivers seeking the best auto insurance companies, State Farm, Geico, and Allstate consistently stand out among the top providers. State Farm offers competitive rates and robust coverage options, making it ideal for those looking for reliability and customer service.

Geico is known for its affordable rates and various discounts, making it an ideal choice for policyholders who want to save money. Meanwhile, Allstate provides a wide range of coverage options and additional benefits.

Understanding the strengths of these companies can help Pascagoula residents make informed decisions that best address their insurance needs and financial situations. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.