Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (2024)

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Mississippi has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Biloxi typically pay around $106.52 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Mississippi $112.19
Biloxi, Mississippi $106.52

Biloxi, MS Best Car Insurance Companies

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Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct General Insurance generally has the most affordable car insurance in Biloxi coming in around $82.06 per month. Other companies to consider if you live in Biloxi is USAA with an average cost of $88.93 per month and SAFECO which typically runs around $97.50 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Biloxi.

RankCompanyAverage Monthly RateComparison State Average
1 Direct General Insurance $82.06-26.86%
2 USAA $88.93-20.73%
3 SAFECO $97.50-13.09%
4 Direct Auto $102.34-8.78%
5 Mississippi Farm Bureau $117.915.09%
6 State Farm $123.5610.14%
7 ALFA $157.6340.50%
8 Direct Administration $162.5044.84%
9 Nationwide $164.2446.39%
10 Travelers $178.2558.88%

How Much is Car Insurance in Biloxi, MS?

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (2)

Rates can vary from city to city. The residents of Biloxi typically pay $106.52 per month while people who live in Brandon will pay $111.70 per month on average. See what people pay for car insurance in other cities in Mississippi.

Mississippi CitiesMonthly Average Rate
Biloxi $106.52
Brandon$111.70
Brookhaven$106.88
Clinton$124.75
Columbus$97.10
Greenville$110.45
Gulfport $116.46
Hattiesburg $109.29
Jackson $121.63
Laurel$111.22
Meridian$107.67
Natchez$118.40
Pascagoula$107.67
Tupelo$104.19
Vicksburg$112.98

Cheap Car Insurance in Biloxi by Zip Codes

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Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Mississippi. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Biloxi, MS ZIP CodeAverage Monthly Rate
39503$89.73
39530$103.98
39531$107.35
39532$103.00
39534$247.95
39540$88.05

Car Insurance Rates by Driver's Age Group in Biloxi

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $214.66 per month in Biloxi. Compare that to drivers in their 30’s who typically pay around $98.15 per month drivers in their 40s at $98.14 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$214.66
20s$157.22
30s$98.15
40s$98.14
50s$80.97
60s$85.99
70+$93.71

Cheapest Insurance for Teenage Drivers in Biloxi

If you are teen in Biloxi you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $63.22 per month. This is likely the most affordable option in Biloxi. You might also want to consider USAA and Mississippi Farm Bureau who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$63.22
USAA$157.24
Mississippi Farm Bureau$200.82
Direct General Insurance$223.69
State Farm$324.58

Cheapest Insurance for 20 Year-olds in Biloxi

20 year-olds in Biloxi might want to consider USAA who, on average, offers car insurance rates around $113.45 per month. Direct General Insurance , Direct Auto , Mississippi Farm Bureau and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$113.45
Direct General Insurance$124.14
Direct Auto$151.69
Mississippi Farm Bureau$171.14
State Farm$171.45

Cheapest Insurance for 30 Year-olds in Biloxi

If you are in your 30s in Biloxi our research has found that Direct General Insurance typically has the most affordable coverage coming in around $78.76 per month, followed by USAA at $85.32 and Direct Auto at $89.46.

CompanyAverage Monthly Rate
Direct General Insurance$78.76
USAA$85.32
Direct Auto$89.46
State Farm$107.19
Mississippi Farm Bureau$118.89

Cheapest Insurance for 40 Year-olds in Biloxi

On average, Direct General Insurance offers car insurance for 40 year-olds in Biloxi for around $69.43 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct General Insurance$69.43
Direct Auto$72.98
USAA$83.18
Mississippi Farm Bureau$117.83
State Farm$118.88

Cheapest Insurance for 50 Year-olds in Biloxi

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Biloxi we found that Direct General Insurance generally offers the most affordable coverage at $60.95 per month.

CompanyAverage Monthly Rate
Direct General Insurance$60.95
USAA$67.81
Direct Auto$72.12
Mississippi Farm Bureau$87.15
State Farm$91.09

Cheapest Insurance for 60 Year-olds in Biloxi

If you live in Biloxi and you’re in your 60s, our data indicates that Direct General Insurance usually has the best rates at $64.52 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct General Insurance$64.52
Direct Auto$72.33
USAA$78.18
Mississippi Farm Bureau$101.26
State Farm$106.78

Driver's Coverage Auto Insurance Rates in Biloxi, MS

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Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Biloxi, the average monthly rate for a driver who is currently insured is $103.21 while drivers who are not currently covered will pay around $109.70.

CoverageAverage Monthly Rate
Not Currently Insured $109.70
Currently Insured $103.21

Compare Recent Car Insurance Quotes in Biloxi

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (5)

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Biloxi a driver of a 2015 Ford F150 can expect to pay around $93.01 per month while someone that owns a 2006 Nissan Titan may pay around $66.05 per month. Check out the list of recent quotes in Biloxi below.

VehicleAverage Monthly Rate
2015 Ford F150$93.01
2006 Nissan Titan$66.05
2004 Dodge Ram 1500$82.43
2015 Ford Fusion$100.23
2021 Toyota Camry$65.77
2011 Chevrolet Aveo$54.45
2017 Nissan TITAN XD$106.70
2007 Hyundai Elantra$80.24
2020 Honda Hr-V$73.59
2017 Hyundai Elantra$73.56

FAQ's for Drivers in Biloxi, MS

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What Is the Minimum Liability Coverage Requirement in Biloxi, MS?

In Mississippi, you must carry a minimum of $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 property damage liability per accident. However,the State cautions residentsthat with the skyrocketing costs of medical care and rising expenses for auto repairs, the mandated minimum may not be enough to cover all costs in all accidents.

Mississippi follows a traditional tort or fault system. Fault is determined in accidents and people are free to pursue compensation by filing a claim through their own car insurance provider, the at-fault party’s carrier, or through personal injury litigation.

  • $25,000;Bodily injury coverage per person;Maximum payment for serious or permanent injury or death to a single person
  • $50,000;Bodily injury coverage per accident;Maximum payment for serious or permanent injury or death to multiple people
  • $25,000;Property damage per accident;Maximum payment for all damaged property in an accident caused by you

It’s important to realize that Mississippi’s minimum car insurance coverage requirements may not be adequate to pay for all damage and/or medical care resulting from a high-speed or otherwise serious accident. Also, these basic coverages don’t pay for damage from a variety of other causes, or for certain other types of common road troubles. Optional coverages are useful for greater peace of mind and financial protection for a better return on your investment in auto coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Biloxi, MS?

It’s against the law to drive in Mississippi at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Get more information about the state’s DUI laws and offender penalties from the Mississippi Office of Highway Safety website.

What are the consequences of being convicted of a DUI?

Like everywhere else in the country, Mississippi has tiered DUI consequences depending on the circ*mstances—particularly how many prior offenses a person has. Other aggravating factors that can increase penalties might include being under 21, causing an accident while impaired, causing another person’s death in a DUI-related crash, having an especially high BAC percentage, and others.

A first-time DUI offender can expect some or all of the following: A fine between $250 and $1,000, up to 48 hours in jail, compulsory attendance of an alcohol safety program at their own expense, and at least a 90-day suspension of driving privileges.

Check Out Other Rates in Biloxi, MS Nearby Cities:

Gulfport, MS

Mobile, AL

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (7)

Commute Time in Biloxi, MS

19.4 Miles

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (8)

Commute Time in United States

26.4 Miles

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (9)

Number of Nearest Insurance Agents in Biloxi, MS

155

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

About the Author

Fran Majidi Insurance Expert

Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (11)

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial (2024)

FAQs

Cheap Car Insurance Rates in Biloxi, Mississippi | SmartFinancial? ›

According to our data, Direct General Insurance generally has the most affordable car insurance in Biloxi coming in around $82.06 per month. Other companies to consider if you live in Biloxi is USAA with an average cost of $88.93 per month and SAFECO which typically runs around $97.50 per month.

What is the cheapest insurance in Mississippi? ›

Cheapest Full Coverage Car Insurance in Mississippi
Cheapest Full Coverage Insurance: MississippiEstimated Monthly CostEstimated Annual Cost
Geico$113$1,358
Mississippi Farm Bureau Insurance$116$1,387
Progressive$135$1,622
Allstate$144$1,724
4 more rows
Jun 27, 2024

Who is known for cheapest car insurance? ›

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis. Car insurance costs are continuing to climb this year. To help you find the lowest rates for your needs, we assessed rates for various ages and driver profiles.

Which type of car insurance is the cheapest? ›

Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circ*mstances.

Is car insurance higher in Mississippi? ›

According to our research, drivers in Mississippi pay an average of $492 a year for minimum coverage and $2,135 per year for full coverage. The average cost of insurance in the U.S. for a full coverage policy is $2,278, about 8 percent more than average car insurance costs in Mississippi.

Is Allstate cheaper than Geico? ›

Comparing Allstate vs. Geico, we found that Geico offers cheaper auto insurance on average. We gave Geico 9.5 out of 10 points in the cost category in our industry-wide insurance review, while Allstate earned 7.7 points.

Is Geico cheaper than Progressive? ›

Geico is cheaper than Progressive for many drivers — but that's the case with Geico and most other providers too. The company consistently offers among the lowest rate estimates around the country for drivers in most categories.

Who is most likely to pay a low premium for automobile insurance? ›

Similarly, years of driving experience matter

For an insurance company, this means you're less risky as a client. Drivers with many years of experience typically enjoy lower insurance prices than do newer drivers. Learn more about finding affordable car insurance as a new driver.

What is the least amount of car insurance you need? ›

The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.

Who gets the highest insurance rates? ›

As new drivers, teenagers are typically the riskiest motorists on the road. Once drivers age out of their teens, rates start to decrease substantially. For instance, 21-year-old drivers pay an average of about 60% less for full coverage than 16-year-old drivers do.

What is the cheapest insurance for full coverage? ›

American National, Country Financial, Nationwide, Erie and USAA offer the five cheapest full-coverage insurance policies. According to our rate data, the national average annual cost of a full-coverage car insurance policy is $2,008 per year.

Which car insurance group is the cheapest? ›

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

What is the lowest form of car insurance? ›

Liability insurance is generally the cheapest car insurance coverage because it only covers the cost of bodily injuries and property damages for another party if you're at fault for an accident. It doesn't cover damages to your vehicle or costs associated with your injuries.

How much is car insurance in Mississippi per month? ›

Average Car Insurance Costs in Mississippi by Driving Record

The average cost of car insurance in Mississippi varies based on your driving record. Here's what you might expect to pay: With a ticket: $1,351 per year; $113 per month. With an at-fault accident: $1,755 per year; $146 per month.

What car insurance is required in MS? ›

To satisfy Mississippi's mandatory insurance law, an auto liability policy must have at least these coverage limits: $25,000 for bodily injury to, or the death of, one person in one accident. $50,000 for bodily injuries to, or the deaths of, two or more people in one accident, and.

Is it illegal to not have car insurance in Mississippi? ›

If you are caught driving in Mississippi without car insurance, you can expect to face the following penalties: A fine of up to $1,000. Suspension of driving privileges for up to a year. Possible conviction of a misdemeanor.

What is the minimum liability insurance in Mississippi? ›

In Mississippi, drivers are required to carry minimum coverage auto insurance that includes bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $25,000 per accident.

What age is insurance cheapest? ›

At what age is car insurance the cheapest? If you keep a clean driving record, your insurance costs should continue to fall throughout your 30s, 40s, and 50s. But you won't benefit from the cheapest premiums until you're in your late 60s.

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