Best Cheap Auto Insurance in Shelby, MS (2021)

The average Shelby, MS auto insurance rates are $301 per month. The minimum auto insurance in Shelby is at least 25/50/25 in coverage to comply with Mississippi auto insurance laws. To find the best cheap auto insurance in Shelby, Mississippi, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

  • The most expensive auto insurance company in Shelby for teen drivers is Allstate
  • The cheapest auto insurance company in Shelby is USAA
  • Average auto insurance rates in Shelby, MS for senior drivers are $1,961 per year

Shelby, Mississippi auto insurance requirements are 25/50/25 according to Mississippi auto insurance laws. Finding cheap auto insurance in Shelby 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 Shelby, Mississippi, including driving record, credit, commute time, and more.

Compare auto insurance in Shelby to other Mississippi cities, including Southaven auto insurance rates, Olive Branch auto insurance rates, and Meridian auto insurance rates to see how Shelby, Mississippi auto insurance rates stack up.

Before you buy Shelby, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Shelby, Mississippi auto insurance quotes.

Minimum Auto Insurance in Shelby, Mississippi

Shelby, 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 Shelby, Mississippi.

Minimum Required Auto Insurance Coverage in Shelby, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Shelby, Mississippi Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Shelby, Mississippi are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Shelby, Mississippi

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 $2,817 $2,690 $2,510 $2,568 $11,283 $12,037 $3,206 $3,291
GEICO $2,692 $2,546 $2,439 $2,266 $6,683 $6,272 $4,478 $2,173
Liberty Mutual $2,720 $2,946 $2,189 $2,457 $9,708 $10,793 $2,888 $3,037
Nationwide $2,058 $2,117 $1,844 $1,958 $4,062 $5,183 $2,325 $2,521
Progressive $2,633 $2,411 $2,147 $2,063 $9,226 $10,298 $2,673 $2,728
State Farm $1,764 $1,764 $1,584 $1,584 $5,174 $6,507 $1,967 $2,240
Travelers $1,610 $1,639 $1,533 $1,537 $7,270 $11,586 $1,688 $1,946
USAA $1,433 $1,420 $1,335 $1,353 $3,562 $4,229 $1,752 $1,934

Cheap Shelby, Mississippi Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Shelby, Mississippi is a challenge. Take a look at the annual teen auto insurance rates in Shelby, Mississippi.

Annual Auto Insurance Rates for Teen Drivers in Shelby, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,283 $12,037
GEICO $6,683 $6,272
Liberty Mutual $9,708 $10,793
Nationwide $4,062 $5,183
Progressive $9,226 $10,298
State Farm $5,174 $6,507
Travelers $7,270 $11,586
USAA $3,562 $4,229

Cheap Shelby, Mississippi Auto Insurance for Seniors

What are senior auto insurance rates in Shelby, Mississippi? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Shelby, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,510 $2,568
GEICO $2,439 $2,266
Liberty Mutual $2,189 $2,457
Nationwide $1,844 $1,958
Progressive $2,147 $2,063
State Farm $1,584 $1,584
Travelers $1,533 $1,537
USAA $1,335 $1,353

Cheap Shelby, 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 Shelby, Mississippi compared to the annual auto insurance rates with a clean record in Shelby, Mississippi.

Annual Shelby, Mississippi Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,265 $5,028 $6,074 $4,833
GEICO $2,300 $3,487 $5,302 $3,686
Liberty Mutual $3,260 $5,201 $5,329 $4,579
Nationwide $2,200 $2,812 $3,584 $2,438
Progressive $3,663 $4,883 $4,244 $4,300
State Farm $2,559 $3,145 $2,793 $2,793
Travelers $3,150 $3,298 $4,524 $3,433
USAA $1,660 $2,120 $2,881 $1,847

Cheap Shelby, Mississippi Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Shelby, Mississippi is not easy. Compare the annual rates for DUI auto insurance in Shelby, Mississippi to find the best deal.

Annual Auto Insurance Rates After a DUI in Shelby, Mississippi

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,074
GEICO $5,302
Liberty Mutual $5,329
Nationwide $3,584
Progressive $4,244
State Farm $2,793
Travelers $4,524
USAA $2,881

Cheap Shelby, Mississippi Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Shelby, Mississippi annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Shelby, Mississippi

Insurance Company Poor Fair Good
Allstate $5,850 $5,177 $4,124
GEICO $5,569 $3,155 $2,357
Liberty Mutual $6,585 $4,026 $3,165
Nationwide $3,237 $2,635 $2,403
Progressive $4,857 $4,130 $3,831
State Farm $4,070 $2,468 $1,931
Travelers $4,085 $3,334 $3,385
USAA $2,909 $1,893 $1,579

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Shelby, Mississippi Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Shelby, Mississippi can vary. Compare the annual cost of auto insurance by ZIP code in Shelby, Mississippi to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Shelby, Mississippi

ZIP Code Average Annual Rates
38774 $3,122

Cheap Shelby, Mississippi Auto Insurance Rates By Commute

Commute length and annual mileage affect Shelby, Mississippi auto insurance. Find the cheapest annual Shelby, Mississippi auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Shelby, Mississippi

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,050 $5,050
GEICO $3,683 $3,705
Liberty Mutual $4,592 $4,592
Nationwide $2,758 $2,758
Progressive $4,272 $4,272
State Farm $2,754 $2,892
Travelers $3,601 $3,601
USAA $2,062 $2,193

Cheap Shelby, Mississippi Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Shelby, Mississippi? Check out the comparison of annual Shelby, Mississippi auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Shelby, Mississippi

Insurance Company Low Medium High
Allstate $4,834 $5,046 $5,271
GEICO $3,453 $3,724 $3,905
Liberty Mutual $4,303 $4,571 $4,902
Nationwide $2,604 $2,749 $2,922
Progressive $3,757 $4,323 $4,738
State Farm $2,652 $2,811 $3,005
Travelers $3,391 $3,623 $3,789
USAA $1,989 $2,116 $2,276

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Shelby, Mississippi

Compare the cheapest auto insurance companies in Shelby, Mississippi in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Shelby, Mississippi

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Shelby, Mississippi Auto Insurance Companies

What auto insurance companies in Shelby, Mississippi are the cheapest? Compare the top Shelby, Mississippi auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Shelby, Mississippi

Insurance Company Average Annual Rates
Allstate $5,050
GEICO $3,694
Liberty Mutual $4,592
Nationwide $2,758
Progressive $4,272
State Farm $2,823
Travelers $3,601
USAA $2,127

What affects auto insurance rates in Shelby, Mississippi?

There are a lot of reasons why auto insurance rates in Shelby, Mississippi are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Shelby, Mississippi. Many local factors may affect your Shelby auto insurance rates.

Shelby Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shelby, Mississippi commute length is 22.6 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Shelby, Mississippi Auto Insurance Quotes

Before you buy Shelby, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Shelby, Mississippi auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption