Best Cheap Auto Insurance in Southaven, MS (2021)

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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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Southaven, 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 $2,862 $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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Southaven, Mississippi

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.

Annual Southaven, Mississippi Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Southaven, Mississippi

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.

Annual Auto Insurance Rates by Credit Score in Southaven, Mississippi

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.

Annual Auto Insurance Rates by ZIP Code in Southaven, Mississippi

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.

Annual Auto Insurance Rates by Commute Length in Southaven, Mississippi

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.

Annual Auto Insurance Rates by Coverage Level in Southaven, Mississippi

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.

Best Annual Auto Insurance Rates by Company in Southaven, Mississippi

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.

Average Annual Auto Insurance Rates by Company in Southaven, Mississippi

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.

Free Auto Insurance Comparison

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

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