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In the market for cheap auto insurance in Biloxi, MS? At AutoInsuranceEZ.com, you could get the lowest priced insurance premiums for your area. To acquire free car insurance quotes available from the major providers right now, input your local zipcode within the quote box here.

Biloxi is one of the oldest cities not just in Mississippi but the US as a whole. Its local economy is highly dependent upon its coastal waters with thriving tourism and fishing industries. Recently, legalized offshore gambling casinos have brought a significant economic renaissance to the area.

  • Fun fact: count your chips, because Biloxi is #21 (39530) on the list of “Top 101 zip codes with the most casinos in 2005”.

Auto Insurance Coverage Requirements in Mississippi

Driving legally in Biloxi requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 1,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Like many states, Mississippi only requires that you carry Liability coverage on your vehicle. But consider the consequences of only purchasing the state mandatory minimum coverage. Your insurer will only pay out claims when you are found at fault for an accident. Everything else you will pay out of pocket.

Unfortunately, there are some drivers who are currently paying $115 each month or more to maintain insurance coverage. Luckily for Biloxi drivers, you can get a cheap policy for $46/mo* or less – but only if you act fast!

Average Monthly Auto Insurance Premiums Legend: Biloxi State Farm Nationwide Allstate ALFA Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 $38 $42 $48 $44 $60

 

Based on the data collected, it appears as though State Farm, Nationwide, and ALFA are some of the more affordable insurers in the Biloxi area. But a low rate doesn’t always come with great service. For an accurate quote based on your own personal stats, be sure to contact an insurance agent near you.

Auto insurance providers contemplate many elements when establishing insurance rates, particularly marital status, accident claims, credit score/rating, driving distance to work, and business use of the vehicle. Also keep in mind that premiums differ from company to company. To verify you’re still being charged the most affordable price, review cheap Biloxi auto insurance price quotes via the internet.

Major Car Insurance Factors in Biloxi

At the time your car insurance agency gets ready to build your policy, they take a lot of aspects into account. Some, such as your age or maybe your precise address, are usually improbable to modify. Here are various additional examples:

  • Your Zip Code

Budget friendly car insurance is usually present in towns which have a lower population density. Because there are a lesser number of automobiles on the highway, you will find fewer opportunities to get into a serious wreck with another driver. The populace of Biloxi is 44,820 and also the typical household income is $38,697.

Auto Insurance by Zip Code Legend: Biloxi Gulfport Hattiesburg Jackson Southaven State Farm Nationwide Allstate ALFA Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 65 $38 $38 $31 $31 $36 $42 $42 $36 $36 $38 $48 $48 $38 $38 $42 $44 $44 $37 $37 $41 $60 $65 $63 $63 $59

 

  • Automotive Accidents

For pretty obvious reasons, areas which have a higher rate of automobile accidents will likely come with higher insurance premiums as well. The accident statistics for Biloxi are a little high based on the population size, which could be inflating your monthly premiums.

Fatal Accidents in Biloxi, MS Legend: Biloxi Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 11 12 4 7 2 7 12 1

 

  • Auto Thefts in Biloxi

Sometimes in smaller cities or outlying towns, car theft can nevertheless be a dilemma. To help make it a lesser problem for you personally, consider installing a passive anti-theft system on your current motor vehicle. Your current car insurance company might compensate you with reduced costs! In Biloxi, they had 131 auto thefts in 2013. Remember, you can only file a stolen vehicle claim if you have Comprehensive coverage on your insurance policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Nationwide Allstate ALFA Safe Auto 20 40 60 80 100 120 140 160 180 $38 $94 $42 $83 $48 $129 $44 $114 $60 $186

 

  • Your Credit Score

If you have good or excellent credit, you’re in luck. Drivers with higher credit scores will get offered substantially lower rates from their insurance providers. Low credit scores, on the other hand, tend to be penalized with a higher monthly premium.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Nationwide Allstate ALFA Safe Auto 10 20 30 40 50 60 70 80 90 100 $32 $67 $40 $50 $48 $48 $40 $69 $52 $108

 

  • Your Age

Age is another large factor that comes into play when determining insurance rates. As you can see in the chart below, a high school student can end up paying double (or more) what an adult would for insurance each month. Ask your agent about good student discounts and drivers education courses to help lower your young driver’s rates.

Auto Policy Age Comparison Legend: 34 Year Old 17 year Old State Farm Nationwide Allstate ALFA Safe Auto 35 70 105 140 175 210 245 280 315 $38 $160 $42 $235 $48 $158 $44 $152 $60 $335

 

  • Your Driving Record

Nobody gets on the road intending to get into an accident, but unfortunately driving mistakes happen. Whether it’s a low level speeding ticket or a minor traffic violation, you might want to ask your provider about accident forgiveness. It’s an easy way to make sure minor blemishes on your driving record don’t produce sky-high insurance premiums. More serious violations, such as a DUI, will significantly increase your rate. Sometimes, your insurance company may drop you all together if the violation is serious enough.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Nationwide Allstate ALFA Safe Auto 25 50 75 100 125 150 175 200 225 $38 $42 $42 $47 $42 $48 $247 $57 $48 $58 $70 $71 $44 $46 $59 $49 $60 $61 $69 $78

 

  • Your Vehicle

From one economy car to another, monthly premiums don’t vary by much. The big difference comes when you choose between an economy and a luxury vehicle. Not only are luxury vehicles more expensive to pay out claims on, but you’ll need a more comprehensive insurance policy in order to protect yourself from damage, accidents, and/or theft.

Car insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Nationwide Allstate ALFA Safe Auto 20 40 60 80 100 120 140 160 180 200 $38 $115 $42 $156 $48 $176 $44 $124 $60 $209

 

Minor Car Insurance Factors in Biloxi

In Mississippi, like in many other states, these factors below might also be able to change your monthly insurance payment:

  • Your Marital Status

Believe it or not, there is less than a 3% difference in monthly rates for married, single, or divorced drivers. And whether or not you are charged a different rate is based entirely on your provider. Married couples can save big, though, if they bundle their policies together under the same plan and provider.

  • Your Gender

Gender is another factor which doesn’t play as big of a role in car insurance premiums as previously thought. Some providers will charge more for women, while other companies may charge more for men. Many providers don’t discriminate at all. But for those who do, it usually makes no more than a 1-2% difference in your overall premium.

  • Your Driving Distance to Work

Commute times to and from work are a tolerable 18-30 minutes on average. You’ll probably need a vehicle in order to get around as reflected by the 73% of residents that prefer to drive their own car. Another 7% choose to walk, while 4-16% will likely carpool.

In some states, you may have heard that the miles you drive yearly or your purpose on the road (whether you’re driving to work, school, or out for fun) can impact your rates. In some cases this is true, but in others, not as much. Vehicles driven for business tend to get a moderately higher rate – somewhere around 11%. Other than that, your yearly mileage or personal reasons for driving will unlikely change your premiums much.

  • Your Coverage and Deductibles

Purchasing more coverage means that your insurance company will, more than likely, charge you a higher monthly rate. You can help offset this cost and make your comprehensive coverage more affordable by choosing to raise your deductible. However, keep in mind that you will have to pay that money upfront in the event of an accident.

  • Education in Biloxi, MS

Many drivers are unaware of simple ways to lower their auto insurance rates; one of those is through education. It’s even more effective for discounts than having a nice job or a large yearly salary. Motorists who pursue some sort of advanced degree will see a long-term benefit both in their prospective careers and on their car insurance rates. In Biloxi, 26% of residents have a high school diploma; 19% have at the very least one full year of college experience.

Keesler Air Force Base offers several facilities for both civilian and military personnel to take classes via the Mississippi Gulf Coast Community College or the University of Southern Mississippi-Gulf Coast. For a four-year degree, you can look into the Biloxi campus of Tulane University.

Locating inexpensive auto insurance could become a headache. There’s a lot of important information to contemplate, and figuring out how insurance providers examine your possible risk can be complex. But try not to permit the wrong insurance agency talk you into buying the wrong policy.

You can evaluate YOUR car insurance risks simply by typing in your Age, Zip Code, and Gender into the calculator below.

You can read up on Biloxi by clicking here.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Mississippi Insurance Department

Mississippi Department of Finance and Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Lower your auto insurance payments by 27% or more in Biloxi, MS

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