Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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UPDATED: Sep 23, 2020

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A brief overview...

  • Mississippi’s average annual liability coverage costs $471 per year.
  • Auto insurance company average annual rates are hundreds of dollars more than average annual coverage rates.
  • Drivers with good credit can save at least $270 on auto insurance.

Mississippi auto insurance requires all residents to attain minimum coverage, which will come in handy should an accident occur. Drivers looking for cheap car insurance in Hattiesburg, MS have a few options. The top Hattiesburg, MS car insurance companies provide affordable rates for drivers in need of Hattiesburg, MS auto insurance.

Although you can pay up to $257 per month for auto insurance in Hattiesburg, MS, different factors that determine coverage rates can decrease annual payments for Hattiesburg auto insurance policies. Continue reading to learn which factor gives drivers cheap car insurance in Hattiesburg, Mississippi.

Get access to the cheapest car insurance quotes and find cheap auto insurance Hattiesburg, MS rates with our FREE comparison tool! Enter your ZIP code above to compare auto insurance from different companies in your local area!

Hattiesburg, MS Auto Insurance Rates

It might seem inexpensive to drive in Mississippi since the state only requires liability insurance. However, you will be financially responsible for any repairs or medical bills if anything happens to your car which isn’t your fault. Ultimately, it can be expensive to drive in Mississippi.

There are a number of elements that could factor into the rate quotes you are provided with. Although there are many factors you can’t change, there are some you can use to your advantage. Here are a few things that can alter your auto insurance rate.

Do age and gender affect my auto insurance rates in Hattiesburg?

Your age will have a significant impact on how much you pay for your car insurance. A young person under the age of 25 might end up paying more than double the monthly rate of someone twice their age. Here are the differences in annual rates by age and gender.

Hattiesburg, MS Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, Marital Status of Hattiesburg DriverAnnual Rates
Married 60-year-old female$1,906
Married 60-year-old male$1,926
Married 35-year-old male$2,134
Married 35-year-old female$2,159
Single 25-year-old male$2,412
Single 25-year-old female$2,591
Single 17-year-old female$7,115
Single 17-year-old male$8,337
Average$3,573
Get Your Rates Quote Now

As you can see, teen drivers pay the most for insurance Hattiesburg, MS. Parents are more than likely to be the primary policyholders, so a policy discount for teens would decrease expensive auto insurance rates.

Seeing as drivers 25 years old and older pay less for auto insurance, more policy discounts can help them slash auto insurance rates even more.

What ZIP codes have the cheapest auto insurance rates in Hattiesburg?

Generally, non-urban areas have inexpensive automobile insurance, as a lower number of vehicles reduces the risk of an accident. Let’s examine Hattiesburg’s auto insurance rates based on ZIP code.

Hattiesburg, MS Average Auto Insurance Annual Rates by ZIP Code
Hattiesburg, MS ZIP CodesAverage Annual Rates
39406$3,082
39402$3,083
39401$3,086
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The ZIP code “39406” is the metro area around M. M. Robert’s Stadium and The University of Southern Mississippi. “39402” is west of the Hattiesburg metro. The largest and most expensive ZIP code area is “39401,” which spans from Eastabuchie to Rockhill, MS.

Which companies have the best auto insurance rates in Hattiesburg?

It’s best to shop around to find the best auto insurance rates. The internet has made it very easy to research the cost of coverage. We’ve done some of the leg work for you and researched the average annual rates of companies in the Hattiesburg area.

If you want a more accurate auto insurance quote, enter your ZIP code in the FREE comparison tool to compare top Hattiesburg, MS, car insurance companies and find affordable auto insurance rates for Hattiesburg, MS!

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Cheapest Auto Insurance Rates by Company

Let’s look at the top auto insurance companies in Hattiesburg, Mississippi (MS) and see which one has the most affordable Hattiesburg, MS auto insurance.

Hattiesburg, MS Average Annual Auto Insurance Rates by Company in Hattiesburg, MS
Top Auto Insurance Companies in Hattiesburg, MSAverage Annual Rates
USAA$1,896
Nationwide$2,674
State Farm$2,782
Travelers$3,692
Geico$4,110
Progressive$4,211
Liberty Mutual$4,502
Allstate$4,715
Get Your Rates Quote Now

While some of the car places in Hattiesburg, MS like USA Car Insurance Hattiesburg, MS (aka USA Auto Insurance Hattiesburg, MS), Anything Automotive Hattiesburg, Affordable Auto Care Hattiesburg, Mississippi and more (you can also search “safe auto near me”) offer competitive rates, we found the top companies. USAA, Nationwide, and State Farm insurance Hattiesburg, MS offer the most affordable rates. While Geico is usually cheaper than Nationwide, it’s more expensive in Hattiesburg. Additionally, Progressive auto insurance is more expensive in Hattiesburg, MS, despite being cheaper in other states.

Best Auto Insurance for Commute Rates

An insurance company may ask whether someone drives Hattiesburg cars in Hattiesburg, MS for work, school, or pleasure, or whether it is a business vehicle. This determines how often you drive your car.

If you drive your car less than average, you could pay less for auto insurance Hattiesburg, MS. The average miles a Mississippi licensed driver travels are 17,699 miles per year.

How much can a licensed driver pay if they drive less per year? Here are some average annual rates that will answer that question.

Hattiesburg, MS Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
USAA$1,838$1,953
Nationwide$2,674$2,674
State Farm$2,716$2,848
Travelers$3,692$3,692
Geico$4,096$4,124
Progressive$4,211$4,211
Liberty Mutual$4,502$4,502
Allstate$4,715$4,715
Get Your Rates Quote Now

Once again, USAA, Nationwide, and State Farm Hattiesburg, MS are the top three cheapest companies in Hattiesburg. All other auto insurance companies have annual rates higher than the Hattiesburg average annual rate.

Best Auto Insurance for Coverage Level Rates

The only minimum requirement for Mississippi auto insurance is liability insurance coverage. Within liability insurance is something called coverage level.

Coverage level, or coverage rule, is the limits that will be covered under liability insurance.

In Mississippi, the minimum coverage level is $25,000 for bodily injury or death of one person per accident, $50,000 for bodily injury or death of multiple people per accident, and $25,000 for property damage per accident. Under these conditions, a coverage level would be abbreviated by a coverage rule, which is 25/50/25.

Watch this video on how liability insurance works.

 

Medium and high coverage levels have higher coverage limits. For example, a medium and high coverage level would be 50/100/50 and 100/300/100, respectively. Let’s see how coverage levels affect annual rates.

Hattiesburg, MS Average Annual Auto Insurance Rates by Coverage Level
CompaniesAverage Rates with Low CoverageAverage Rates with Medium CoverageAverage Rates with High Coverage
USAA$1,771$1,885$2,031
Nationwide$2,512$2,665$2,844
State Farm$2,620$2,770$2,955
Travelers$3,506$3,715$3,856
Progressive$3,741$4,274$4,619
Geico$3,873$4,140$4,317
Liberty Mutual$4,222$4,482$4,801
Allstate$4,509$4,711$4,926
Get Your Rates Quote Now

Low coverage rates are much cheaper, but carry less on policy limits. It may be in your best interest to at least enroll in medium coverage levels so you can be sure all medical bills, property damage, and other costs are taken care of.

Best Auto Insurance for Credit History Rates

A high credit score will entitle you to some financial perks. One such perk is a lower monthly rate on your auto insurance policy. Drivers with lower credit scores will be expected to pay more per month in order to maintain insurance coverage.

Hattiesburg, MS Average Annual Auto Insurance Rates by Credit History
CompaniesAveragea Annual Rates with Poor CreditAveragea Annual Rates with Fair CreditAveragea Annual Rates with Good Credit
USAA$2,585$1,689$1,412
Nationwide$3,129$2,556$2,336
State Farm$4,010$2,432$1,903
Travelers$4,186$3,420$3,471
Progressive$4,756$4,079$3,800
Allstate$5,459$4,833$3,854
Geico$6,197$3,512$2,621
Liberty Mutual$6,452$3,952$3,102
Get Your Rates Quote Now

You can receive massive savings just for having decent credit. According to the Federal Trade Commission, businesses and auto insurance companies issue lower rates for people with good credit. Auto insurance company statistics show that people with poor credit make more claims than people with good credit.

Best Auto Insurance for Driving Record Rates

Driving violations have a noticeable impact on your monthly rate. If a violation is severe enough, such as reckless driving or a DUI, you may lose your coverage. Let’s look at how driving records affect annual rates.

Hattiesburg, MS Average Annual Auto Insurance Rates based on Driving Records
CompaniesAverage Rates with a Clean RecordAverage Rates with 1 Speeding ViolationAverage Rates with 1 AccidentAverage Rates with 1 DUI
USAA$1,482$1,648$1,891$2,561
Nationwide$2,147$2,371$2,725$3,451
State Farm$2,513$2,752$3,109$2,752
Geico$2,571$4,100$3,884$5,885
Liberty Mutual$3,186$4,485$5,110$5,227
Travelers$3,223$3,520$3,373$4,653
Progressive$3,595$4,220$4,851$4,180
Allstate$3,964$4,509$4,682$5,707
Get Your Rates Quote Now

USAA auto insurance remains the cheapest company in Hattiesburg, MS, while Allstate and Liberty Mutual have higher than average auto insurance rates. State Farm Hattiesburg, MS is lenient with drivers who commit a DUI by issuing the same annual rate as a speeding violation. Accidents at State Farm Hattiesburg increase annual rates the most.

For less serious violations, talk to your insurance agent and see if your provider offers “Accident Forgiveness” discounts.

If accidents are common on the roads where you drive most frequently, then your insurance company will offset that risk by charging you higher rates. The risk of being in a car accident in Hattiesburg, MS is less frequent than most cities, but auto insurance companies will continue to issue rates based on risk.

You may ask, “Is there a cheap car insurance company near me?” Enter your ZIP code in our FREE comparison tool to find affordable car insurance rates from top auto insurance companies!

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What affects auto insurance rates in Hattiesburg?

Location is a major factor in determining auto insurance, but there are additional factors that you may not be able to control. Road conditions, vehicle theft, and traffic are other factors that could influence Hattiesburg, MS auto insurance rates.

Let’s look at these factors to get a better understanding of how they affect auto insurance.

Road Conditions

Road conditions can determine how much you’ll pay for everyday vehicle use. Tripnet, a nonprofit research organization, lists vehicle operating costs (VOCs), which vary based on road conditions.

Vehicle operating cost is a varied cost that depends on how much you spend on vehicle use, such as fuel, repairs, maintenance, tires, and additional cost.

The better the road condition, the cheaper the VOC. Here is an overview of the road conditions in Hattiesburg, MS:

  • Poor Share: 44 percent
  • Mediocre Share: 19 percent
  • Fair Share: 12 percent
  • Good Share: 26 percent

The nearest metro area to Hattiesburg is Jackson, MS. Hattiesburg is not a major metro area, but shares the same road conditions stats as Jackson. The VOC in Jackson’s metro area is $944.

Vehicle Theft in Hattiesburg, MS

According to the Federal Bureau of Investigations (FBI), Hattiesburg had 156 vehicle thefts in 2018.

Neighborhood Scout reports that Hattiesburg residents have a one in 499 chance to become a victim of a violent crime and a one in 22 chance to become a victim of a property crime. Let’s look at the number of annual crimes in Hattiesburg.

Hattiesburg, MS Crime Summary
Hattiesburg Crime SummaryStats
Number of Violent Crimes92
Number of Property Crimes2,119
Violent Crime Rate Per 1,000 Residents2
Property Crime Rate Per 1,000 Residents46.11
Crime Index5
Chances to Become a Victim in a Violent Crime1 in 499
Chances to Become a Victim in a Property Crime1 in 22
Chances to Become a Victim in a Violent Crime in MS1 in 427
Chances to Become a Victim in a Property in MS1 in 42
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The average chances a Hattiesburg resident can become a victim of violent crime are less likely compared to the state and national rates. However, property crime rates are doubled in Hattiesburg.

According to Neighborhood Scout, the crime index is five, where 100 is the safest. Here are 10 of Hattiesburg’s safest neighborhoods.

Living in a major city makes you more prone to auto theft. Should your general locality have higher rates of theft claims, you can expect to spend a lot more on your auto insurance in order to counteract these prices.

Find out how your neighborhood ZIP code affects insurance Hattiesburg, MS with our FREE comparison tool! Enter your ZIP code to get started!

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Traffic Congestion in Mississippi

We searched Inrix, TomTom, and Numbeo for the latest traffic forecast in Hattiesburg, but no information was available. However, Hattiesburg has its share of traffic congestion. The Jackson metro area has a few issues with traffic as well.

Unfortunately, fatal accidents are fairly high per capita in Hattiesburg, so check with your insurance agent to see if your company offers car insurance discounts.

Allstate America’s Best Drivers Report

Hattiesburg didn’t make the Allstate America’s Best Drivers list. Jackson was the only city in Mississippi to make the list. If Allstate Drivewise® becomes available in Hattiesburg, the city may appear on next year’s best drivers report.

How is traffic in Hattiesburg?

Work commutes are typically short for those who live in Hattiesburg. On average, it will only take 17 minutes to drive to work. Hattiesburg, MS population is less dense than most metropolitan areas. According to Data USA, 78 percent of commuters choose to get there in their own vehicle alone, while another 8.16 percent prefer carpooling.

For information about auto insurance, visit our main page and browse through other articles, guides, and reviews. We’re among some of the best car insurance comparison sites. Enter your ZIP code to find the cheapest possible Hattiesburg, MS auto insurance quotes from our FREE comparison tool!

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

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Frequently Asked Questions: Hattiesburg, MS Auto Insurance

#1 – Who has the cheapest car insurance in Mississippi?

The following companies offer cheap auto insurance in Hattiesburg, Mississippi: Safeco Insurance Company, Direct Auto Insurance, and Geico. USAA car insurance is a cheap company, but you can only get a USAA policy if you’re a member of the military or in the immediate family of a military member.

#2 – What is the average cost of auto insurance in Mississippi?

The average annual rate you can expect from an insurance company for Mississippi auto insurance is $3,665/year or $305/month.

#3 – What is full coverage insurance in Mississippi?

Mississippi’s full coverage auto insurance is $1,010/year or $84/month.

#4 – What are the worst insurance companies?

According to Consumer Reports, Esurance, Nationwide, Liberty Mutual, Allstate, Kemper, Metlife, Farmers, Horace Mann, Hanover, and National General are the top 10 worst insurance companies.

#5 – Is Geico really the cheapest?

Although Geico is one of the cheapest auto insurance companies in the United States, it is typically not the cheapest.

#6 – What other companies are available in Hattiesburg?

Many potential customers search for Auto Plus, Acceptance and Safeway auto insurance in Hattiesburg, MS.

#7 – What county is Hattiesburg, MS in?

Hattiesburg, MS is located in Forrest County. You can find jobs in Hattiesburg that involve real estate.

#8 – What are some popular things to do in Hattiesburg, MS?

According to Trip Advisor, you can visit the zoo, go to a few museums, and shop at multiple locations. You can also check out some water parks to beat the Hattiesburg, MS summer weather.

#9 – Does Hattiesburg, MS auto insurance companies carry low-cost auto insurance?

No. Low-cost insurance is only available in California, Hawaii, and New Jersey. Most major companies have an option called usage-based insurance. We recommend researching which companies offer usage-based insurance.