Cheap Car Insurance in Hattiesburg, MS, Starting at $38 (2024)

The average cost of car insurance in Hattiesburg, Mississippi, is $84 per month for liability-only insurance and $228 per month for full-coverage insurance. These premiums are much lower than the U.S. national average rates of $104 per month for liability-only coverage and $211 per month for full coverage.

Hattiesburg is a smaller city, with a population of around 48,000.^[1] Fewer cars on the road means less of a risk for accidents, which could partly explain the city’s lower car insurance rates. Even though Hattiesburg’s rates are affordable, it’s still important to compare car insurance quotes from several insurers to find the best policy for your needs.

3 of the cheapest car insurance companies in Hattiesburg

Many car insurance companies sell coverage to drivers in Hattiesburg. However, each insurer has unique pros and cons. The best car insurance company will depend on your individual situation and coverage needs. Start your search with the insurers in the table below.

Best insurer for low rates: State Farm

Best insurer for military families: USAA

Best insurer for discounts: Allstate

How to get the cheapest car insurance in Hattiesburg

The cost of car insurance depends on a variety of different factors, including your ZIP code, age, credit score, and driving record. However, you have many ways to get cheap car insurance in Hattiesburg.

Follow these tips to help reduce your car insurance premium:^[2]

• Raise your deductible. Choosing a higher deductible for policies like collision and comprehensive insurance will result in a lower monthly premium.

• Bundle your policies. Most insurance companies offer significant discounts to customers who bundle two or more products, like car insurance with home insurance, renters insurance, or life insurance.

• Look for discounts. Many companies offer car insurance discounts, which can help you save money. You can often find discounts for claim-free drivers, smart students, taking a defensive driving course, and insuring multiple vehicles.

• Shop around. Car insurance companies charge different rates for the same coverage types and limits. It’s a good idea to get quotes from several insurers to see which one can offer you the lowest rate for your situation. Shopping for new quotes once per year or after a claim will help you ensure you’re getting the best rate.

Cheapest liability-only car insurance in Hattiesburg: State Farm

Liability-only car insurance is legally required in Mississippi. It covers your financial responsibilities when you cause an accident that results in someone else’s injuries or property damages. It doesn’t provide any coverage for your injuries or vehicle repairs if you get into an accident.

State Farm offers the cheapest liability-only policies in Hattiesburg, at $38 per month.

In the table below, you can see which car insurance companies in Hattiesburg have the lowest average rates for liability-only insurance.

Cheapest full-coverage car insurance in Hattiesburg: State Farm

Full-coverage car insurance provides more protection than liability-only insurance. A standard full-coverage policy typically includes liability, collision, and comprehensive insurance. Most policies also cover your medical bills if you get injured. Depending on your location, it may also include uninsured/underinsured motorist insurance and personal injury protection (PIP).

Full coverage is optional for most drivers. However, some lenders require full coverage if you lease or finance your vehicle. Even if you own your vehicle, having full coverage will provide more financial protection and peace of mind than a minimum-coverage policy.

State Farm has the cheapest premiums for full coverage, with a monthly rate of $77.

Below, you can see which insurers have the cheapest car insurance in Hattiesburg for full-coverage insurance.

Car insurance requirements in Mississippi

Vehicle owners in Mississippi are legally required to carry a minimum amount of car insurance. To meet the Mississippi auto insurance laws, drivers must have liability insurance with coverage limits of 25/50/25 or higher.^[3] Because Mississippi is a fault state, the at-fault driver is responsible for compensating the other person for their losses after a crash.

In addition to the required coverages, many Mississippi drivers can benefit from optional coverages. Every insurance business offers a unique selection of endorsem*nts. If you’re not sure what endorsem*nts you might need, an insurance agent can provide a recommendation.

Here are some of the most common add-ons that can fill gaps in a standard car insurance policy:

• 

  Gap insurance

  If you lease or finance your car, having gap insurance is helpful. If your car gets totaled, gap insurance will pay the difference between your car’s diminished value and the amount you still owe.

• 

  Roadside assistance

  Roadside assistance coverage pays for the cost of basic roadside repairs if your car breaks down or you get stranded. It’ll cover things like flat-tire changes, fuel delivery, battery jump-starts, lockouts, and towing.

• 

  Accident forgiveness

  Accident forgiveness coverage waives your first at-fault accident, so it won’t affect your insurance premium. Some insurance companies only offer accident forgiveness to drivers who have been claim-free and violation-free for a certain period.

Cheapest car insurance for drivers with an incident

Drivers with incidents on their record, such as speeding tickets and at-fault accidents, usually pay higher rates for car insurance than drivers with a clean record. Insurance companies view people with a history of these violations as riskier to insure, so they charge higher rates.^[4]

The most serious violations, such as driving under the influence (DUI), usually have the biggest effect on premiums.

Average cost of car insurance by age

One of the most important factors that can affect the cost of auto insurance is your age. In general, young drivers and teen drivers pay the highest rates for insurance because they have the least amount of driving experience.^[5]

Rates tend to decrease around age 35 but increase again around age 70. Statistics show that older drivers are more likely to be injured in accidents than middle-aged adults, and they may have impaired driving abilities.^[6]

Below, you can see the average cost of car insurance in Hattiesburg for drivers in different age groups.

Hattiesburg car insurance quotes by credit tier

In Mississippi, car insurance companies can use credit-based insurance scores when determining your rates. When you apply for a policy, the insurer will check your credit history to gauge how risky you are to insure.^[7]

Drivers with good credit scores usually pay lower car insurance rates than drivers with poor credit scores. People with bad credit scores are more likely to file claims, which is why they typically pay higher prices.

In the table below, you can see the average monthly cost of full-coverage car insurance for Hattiesburg drivers in different credit tiers.

Hattiesburg car insurance FAQs

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

1. U.S. Census Bureau. "QuickFacts Hattiesburg, Mississippi."
2. Insurance Information Institute. "How to save money on car insurance."
3. Mississippi Insurance Department. "Auto Insurance."
4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
5. Insurance Information Institute. "Background On: Teen drivers."
6. Centers for Disease Control and Prevention. "Older Adult Drivers."
7. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.