Cheap Car Insurance in Gulfport, MS

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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In the market for cheap auto insurance in Gulfport, MS? At, you will find the most affordable insurance policy where you live. To get free car insurance rates offered by the leading providers immediately, key your postal code within the quote box in this article. Gulfport is a beautiful city along Mississippi’s southern coast and also the second largest metropolitan area within the state. The US Navy “Seabees” are based out of Gulfport, and it is also a location from which the US Coast Guard dispatches regular patrols. Gulfport has also been home to nearly a dozen athletes and a Pulitzer Prize-winning author, Natasha Trethewey.

  • Fun fact: get ready for a fun night on the town, because Gulfport is #9 on the list of “Top 100 cities with strongest arts, entertainment, recreation, accommodation and food services industries (pop. 50,000+)”.

Auto Insurance Coverage Requirements in Mississippi

Driving legally in Gulfport 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

Similar to most states, you only need Liability coverage if you want to drive legally in Mississippi. But be warned: your insurance company will only help you if you are deemed at fault for the damages. Therefore, you aren’t protected at all from natural disasters or theft, among other things. Many motorists in Mississippi, including Gulfport residents, are paying as high as $115 each month for their insurance. But did you know that drivers in your town can get insured for $47/mo* or less? We’ll show you how.

Average Monthly Auto Insurance Premiums Legend: Gulfport State Farm Nationwide Allstate ALFA Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 65 $38 $42 $48 $44 $65

  Based on our information, it seems that State Farm, Nationwide, and ALFA all beat both the state and the Gulfport average in value. However, there are other important factors at play. Customer service might be better at one company, even though their rates are higher. Another provider might offer more discounts than advertised. Auto insurance providers evaluate many variables when determining quotes, which include driving experience, driving violations, credit score/rating, driving distance to work, and theft protection devices. Also keep in mind that premiums could vary from business to business. To make sure you’re still being charged the most affordable premium, evaluate cheap Gulfport auto insurance rates on the web.

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Major Car Insurance Factors in Gulfport

There are many ways in which your car insurance rate can be estimated. But not all of it is out of your control; there are things you can do so that you can control which discounts you are entitled to get. Listed here are some of these factors in greater detail:

Your Zip Code

Your auto insurance rates can vary according to the place you call home. Usually, large areas feature higher car insurance rates because the extra amount of motorists on the streets raises the chance of a car accident! The total population of Gulfport amounts to 71,012 and also the usual family earnings are $38,119.

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

If you live in a city where car accidents are common, you will likely be charged a higher rate for insurance. In Gulfport, automobile accident statistics reflect a fairly low crash rate, especially for the amount of people who live within the city limits.

Fatal Accidents in Gulfport, MS Legend: Gulfport 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 4 8 4 11 1


Auto Thefts in Gulfport

Obtaining low-cost auto insurance can be hard if you are at risk for auto theft. Specific common car or truck models are alluring to thieves, and also automobiles which might be left frequently in large metropolitan areas. The full quantity of thieved vehicles in Gulfport was 125 as recently as 2013. This marks a decline, which is good news for your monthly rate. But that doesn’t mean you shouldn’t protect yourself from theft with Comprehensive coverage.

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 $111 $42 $90 $48 $125 $44 $114 $65 $191


Your Credit Score

Why do auto insurance companies look at your credit score before they determine your rate? Well, the working logic is that people with higher credit scores are more likely to pay their premiums on time each month. This reduces the financial risk for the insurance company, and they reward their customers with lower rates. In the chart below, you can see how drastically different rates can be depending on whether you have excellent or poor credit.

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 90 100 110 $37 $80 $43 $56 $48 $48 $40 $69 $56 $119


Your Age

Young, inexperienced drivers will generally be charged much higher rates per month than someone in their 30’s, 40’s, or beyond. The less experience you have behind the wheel, the more likely you are to cause an accident. Charging teenage drivers a higher premium is the insurance company’s way of offsetting potential expenses.

Auto Policy Age Comparison Legend: 34 Year Old 17 year Old State Farm Nationwide Allstate ALFA Safe Auto 35 70 105 140 175 210 245 280 315 350 $38 $160 $42 $235 $48 $158 $44 $152 $65 $370


Your Driving Record

In this chart, you can see how much you can save with a clean driving record vs. the much higher rates you can expect to pay if you’ve had a minor traffic citation or committed a serious offense (such as reckless driving or getting a DUI). Some companies may outright refuse to insure you for serious traffic violations. Other companies may have an “accident forgiveness” policy, which means they won’t charge you higher rates if you have one minor violation on an otherwise perfect record. Contact your insurance provider for more information on accident forgiveness.

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 $46 $49 $55 $42 $53 $247 $63 $48 $58 $70 $71 $44 $46 $59 $49 $65 $67 $75 $85


Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart below, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

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 $136 $42 $174 $48 $169 $44 $124 $65 $215


Minor Car Insurance Factors in Gulfport

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

Your Marital Status

Did you know that married couples can save a bundle on their car insurance by bundling their policies together? If you are married, and you and your spouse have the same insurance company, go ahead and take advantage of the discounts your provider may offer.

Your Gender

Think women are terrible drivers? Well, your insurance provider will most likely beg to differ. Many companies these days are offering the exact same monthly premiums, regardless of gender. And providers who charge different premiums for men and women only do so by a few dollars per month.

Your Driving Distance to Work

For your average work commute, you can expect to spend anywhere from 10 to 27 minutes behind the wheel each way. Many drivers prefer to take their own vehicle (77%), and between 9-13% manage to ride to work in a carpool. Some companies will adjust your rate based on why you drive, or how far you drive each year. Even though your provider might request this information from you, driving a few thousand miles each year for pleasure tends to cost about the same as driving tens of thousands of miles for work, give or take a few percentage points. However, if your automobile is registered as a business vehicle on your insurance policy, you could be looking at 10-15% higher premiums each month.

Your Coverage and Deductibles

Adding lots of coverage options makes sense for a more expensive vehicle. For automobiles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy. You can also add a few extra benefits to your coverage and keep your monthly rates low by raising your deductible – just make sure you can afford to shell out the cash if the worst happens.

Education in Gulfport, MS

More than one-quarter of Gulfport residents (28%) have successfully achieved a high school diploma (or other equivalent). Another 20% have not yet completed all four years of high school. As of late, though, auto insurance providers have been creating incentives for those who want to take their education to the next level by offering significant discounts on car insurance policies. These discounts are even higher than those based on your career or your annual income. Hurricane Katrina had a devastating effect on the higher educational system in Gulfport. Several major libraries have had to undergo complete reconstruction, and the Gulf Coast Student Service Center of the University of Southern Mississippi has been drastically reconfigured to accurately serve the student population. There is also a local private university, William Carey, and the Mississippi Gulf Coast Community College. Figuring out your own financial risk can be very challenging or unachievable for the common insurance consumer. Insurance companies possess an edge on shoppers due to their statistics and experiential know-how. Uncover that which insurance providers don’t really want you to learn. You can analyze YOUR car insurance risks simply by keying in your Age, Zip Code, and Gender into the calculator below. You can learn more about Gulfport 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

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Free Auto Insurance Comparison

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