Best Southaven, MS Auto Insurance in 2024 (Compare the Top 10 Companies)

The best Southaven, MS, auto insurance providers are State Farm, Progressive, and Allstate. Offering rates as low as $30/month, each company matches affordability with outstanding coverage and customer service.

Whether you prioritize savings or flexibility in a policy, these top providers deliver. Compare auto insurance companies to find the perfect one and lock in your ideal policy today.

Our Top 10 Company Picks: Best Southaven, MS Auto Insurance

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

#1 – State Farm: Top Overall Pick

Pros

• Low Premiums: State Farm offers some of the lowest rates in Southaven, starting at $30 monthly.
• Local Agents: Southaven drivers benefit from easy access to nearby State Farm offices.
• Student Discounts: Mississippi students with good grades enjoy reduced rates. Check out our State Farm auto insurance review to learn more.

Cons

• Limited Policy Options: Fewer customization choices for Southaven residents.
• Average Claims Process: Filing claims in Mississippi may take longer than expected.

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#2 – Progressive: Best for High-Risk Drivers

Pros

• Competitive High-Risk Rates: Affordable for Southaven drivers with prior violations.
• Snapshot Program: This program tracks driving habits for discounts in Mississippi. Explore our Progressive auto insurance review for more details.
• Flexible Coverage: Rideshare and other unique options are available for Southaven drivers.

Cons

• Post-Claim Rate Increases: Mississippi drivers may face steep hikes after a claim.
• Mixed Customer Service: Inconsistent service quality was reported in Southaven.

#3 – Allstate: Best for Comprehensive Coverage

Pros

• Local Support: Many Allstate agents are available in Southaven for personalized help.
• Safe Driving Discounts: Rewards clean records for Mississippi policyholders.
• Strong Financial Ratings: Reliable claims payouts in Southaven. Read our Allstate auto insurance review to find out more.

Cons

• Expensive for Young Drivers: Higher premiums for new drivers in Mississippi.
• Fewer Discount Opportunities: Limited savings options in Southaven.

#4 – Farmers: Best for Customization

Pros

• Broad Coverage Options: Tailored policies for Southaven drivers’ needs.
• Accident Forgiveness: Keeps rates steady after the first fault in Mississippi. Discover our Farmers auto insurance review for further insights.
• Multi-Policy Discounts: Combine home and auto for big savings in Southaven.

Cons

• Higher Premiums: Costs more for basic policies in Mississippi.
• Weak Online Tools: Digital management options lag behind competitors.

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#5 – Geico: Best for Nationwide Coverage

Pros

• Low Rates: Geico consistently offers cheap auto insurance for Southaven drivers. Read our Geico auto insurance review for more information.
• User-Friendly Appx: Manage policies and file claims online from Mississippi.
• Military Discounts: Savings for active and retired service members in Southaven.

Cons

• Few Local Agents: Limited in-person help for Southaven residents.
• Basic Coverage Only: Fewer add-on options compared to Mississippi competitors.

#6 – American Family: Best for Family Discounts

Pros

• Family Discounts: Mississippi households can save by bundling policies.
• Great Customer Service: High satisfaction among Southaven drivers.
• Flexible Policies: There are good options for full Coverage in Mississippi. For additional details, refer to our American Family auto insurance review.

Cons

• Availability Issues: Coverage is limited in some Southaven areas.
• Higher Rates for Singles: Individual policies cost more in Mississippi.

#7 – Travelers: Best for Safe Drivers

Pros

• Accident-Free Discounts: Mississippi drivers with clean records get lower rates.
• Extensive Coverage: Offering gap insurance and new car replacement in Southaven. Visit our Travelers auto insurance review to get the full scoop.
• Reliable Claims Service: Travelers offers 24/7 support in Mississippi.

Cons

• Expensive for Basic Coverage: Premiums are higher for minimum liability in Southaven.
• Few Local Offices: Limited agent access for Mississippi customers.

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#8 – Dairyland: Best for High-Risk Drivers

Pros

• Flexible Payment Plans: Offering tailored schedules for Southaven drivers. To learn more, read our Dairyland car insurance review.
• Accepts High-Risk Drivers: Covers Southaven drivers with DUIs or no prior insurance.
• Quick Coverage Start: Immediate policies for Mississippi residents.

Cons

• Fewer Discounts: Limited savings for Southaven drivers.
• Mixed Claims Support: Average reviews for customer service in Mississippi.

#9 – Nationwide: Best for Bundling Options

Pros

• Multi-Policy Savings: Southaven drivers can save by bundling auto and home insurance.
• Vanishing Deductible: Lower deductibles for safe drivers in Mississippi.
• Dependable Support: 24/7 claims service for Southaven residents. Consult our Nationwide auto insurance review to learn more.

Cons

• Mid-Tier Pricing: Costs are not the lowest for Southaven drivers.
• Limited Options for High-Risk Drivers: Fewer policies for high-risk profiles in Mississippi.

#10 – Auto-Owners: Best for Personalized Service

Pros

• Local Agents: Strong relationships with Southaven insurance professionals.
• Affordable Rates: Low premiums for Mississippi drivers. Dive into our Auto-Owners auto insurance review for more insights.
• High Customer Satisfaction: Praised for quick claims handling in Southaven.

Cons

• Small Network: Limited presence outside Mississippi.
• Few Discount Options: Less savings flexibility for Southaven customers.

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Southaven, MS Auto Insurance Monthly Rates by Provider & Coverage Level

Your area has several affordable auto insurance options, such as State Farm, Progressive, and Allstate, conveniently located near Southaven, MS.

Southaven, MS Auto Insurance Monthly Rates by Provider & Coverage Level

Learn about the types of auto insurance coverage they offer to find the best fit for your needs.

Auto Insurance Discounts From the Top Providers in Southaven, MS

Just remember that a lower price doesn’t always mean better service. Do your research, and make sure you’re getting your money’s worth from your provider.

Southaven, MS Minimum Auto Insurance Coverage Requirements

Southaven, MS, auto insurance companies consider various factors when determining insurance prices, including gender, accident claims, type of vehicle owned, education, and current insurance coverage and limits.

Southaven, MS Report Card: Auto Insurance Premiums

Premiums also differ among Southaven, MS, and car insurance companies.

Major Factors in Cheap Car Insurance in Southaven, Mississippi

Various items factor into the Southaven, MS, car insurance quote you are given. While many specific factors aren’t something you can do something about, some are variables you can change for the better.

Here are a few factors that affect your car insurance premium and might help you secure more affordable Southaven, MS, auto insurance:

Your ZIP Code

Some of the cheapest car insurance is usually associated with urban centers with a lower population density. Since fewer cars are on the road, there are fewer chances of getting involved in a significant car accident with a different individual. The population of Southaven is 50,997, and the average family earnings are $55,910.

Automotive Accidents

Unfortunately for Southaven motorists, this city has a high rate of serious accidents per capita.

Southaven, MS Fatal Accidents

However, this doesn’t have to raise your monthly premium if your provider offers a safe driver discount.

Auto Thefts in Southaven

Sometimes, automobile theft can still be problematic in modest cities or outlying towns. Consider a passive anti-theft system on your current motor vehicle to make it less of an issue.

Your actual auto insurance company could reward you with reduced prices! In Southaven, there were 155 auto thefts as recently as 2006. If you don’t want to worry about your vehicle getting stolen, you’d better add Comprehensive coverage to your policy.

Your Credit Score

Your credit score is a significant—yet often overlooked—variable that influences your monthly premium.

Southaven, MS Auto Insurance Monthly Rates by Provider & Credit Score

People with good credit are often rewarded with lower rates. For Southaven drivers, the chart below shows that this trend also applies to your area.

Your Age

Age, however, is a different story. Insurance companies believe that young drivers are a greater risk on the road – and the difference in monthly premiums reflects this philosophy.

Southaven, MS Auto Insurance Monthly Rates by Provider, Age, & Gender

But qualifying for a Driver’s Ed or a Good student discount could help alleviate the burden.

Your Driving Record

Low-risk drivers tend to have blemish-free (or nearly perfect) driving records, so insurance companies charge them lower monthly rates.

Southaven, MS Auto Insurance Monthly Rates by Driving Record

If your record is imperfect, ask your insurance agent about “accident forgiveness” discounts to see if you can save money. However, your Southaven, MS, auto insurance rates might increase significantly for more serious violations, or your provider may refuse to cover you altogether.

Your Vehicle

Generally speaking, the biggest factor auto insurance companies care about is how much it will cost them to replace your car in the event of a serious accident.

Southaven, MS Auto Insurance Monthly Rates by Vehicle & Coverage Level

Because luxury vehicles, such as porches, are much more expensive than regular sedans, the chart below shows that monthly premiums for these automobiles are much higher.

Minor Factors in Cheap Auto Insurance in Southaven, Mississippi

In Mississippi, like in many other states, the factors below might also affect your monthly insurance payment, including the auto insurance coverage options you select and their associated limits.

Your Marital Status

For many years, drivers have been under the impression that their marital status can play a major factor in car insurance in Southaven, MS. In truth, it depends more on your insurance company than anything. However, married couples can save much money by bundling their insurance policies.

Your Gender

No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving.

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byu/IntjTrash inmississippi

That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.

Your Driving Distance to Work

Getting around in Southaven might be harder than in most other cities. Work commutes can last up to 22-27 minutes during the weekdays. Most motorists (85%) prefer to drive their automobile alone to get around, while an additional 5-13% will likely carpool.

Most people believe you’ll be charged more for your insurance rates if you drive more miles annually. While some companies might charge more, others don’t.

Southaven, MS Auto Accident & Insurance Claim Statistics

The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more monthly premiums.

Your Coverage and Deductibles

The amount and types of coverage you purchase for your vehicle will significantly influence your monthly premium. A bare-bones state minimum coverage policy will be much cheaper than a comprehensive, high-coverage plan.

You can alleviate your monthly costs by choosing a higher deductible or eliminating certain coverage options (such as towing or rental car coverage).

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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, and who owns his own home.

The national average for miles driven annually was used to calculate the average car insurance cost. The car used was 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

You can find affordable car insurance in Southaven, Mississippi, by entering your ZIP code.