Best Biloxi, MS Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

State Farm, Progressive, and Farmers offer the best Biloxi, MS auto insurance. The minimum price is $25/month.

These insurers ensure low prices, excellent customer service, and a full range of auto insurance coverage options, making them reliable choices for drivers seeking quality and affordability.

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

Your driving history, credit score, and type of vehicle may also affect your premiums. Enter your ZIP code to get the best rates today.

#1 – State Farm: Top Overall Pick

Pros

• Competing Quotes: State Farm is among the most competitive insurance firms in Biloxi, MS, offering car insurance quotes that are quite competitive for Mississippians.
• Best Customer Service: State Farm boasts some of the best customer service people who assist Biloxi, MS customers.
• Locally Available: Biloxi, MS, has many branches within this city and offers personalized services and support to its Mississippian citizens.

Cons

• Discount: Fewer discounts for Biloxi, MS drivers compared to its competitor, Progressive. Check out our State Farm auto insurance review to learn more.
• No Live Chat facility: Mississippi customers will also not appreciate that State Farm lacks a live chat facility where they can get an instant response to their queries.

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#2 – Progressive: Best for Bad Drivers

Pros

• Cheap Deals: Progressive offers some of the lowest rates in Biloxi, MS, for less-than-great drivers. Explore our Progressive auto insurance review for more details.
• Snapshot Program: There’s also the usage-based Snapshot program to lower premiums for Mississippi car owners in Biloxi.
• Coverage Flexibility: Progressive offers a wide array of policy customization options to fit the needs of Biloxi, MS, residents.

Cons

• Higher Premiums for Full Coverage: Biloxi, MS Progressive might charge higher premiums than other companies.
• Poor Customer Service in Some Cases: Several Biloxi, MS Progressive drivers have reported that the services they get from customer service are not satisfactory.

#3 – Farmers: Best for Personalized Policies

Pros

• Tailor-Made Policies: Farmers deliver personalized policies to Biloxi, MS car owners based on the Mississippi state insurance needs.
• Local Agents: There is a strong, educated network of agents in Biloxi, MS.
• Financial Stability: It can provide reliable coverage based on a stable financial history in Biloxi, MS. Read our Farmers auto insurance review to learn more.

Cons

• Expensive Rates: Drivers in Biloxi, Mississippi, often pay more with Farmers Insurance than with other auto insurance companies, such as Geico.
• Fewer Discounts: Biloxi, MS customers can get cheaper auto insurance with limited discounts.

#4 – Direct Auto: Best for Affordable Auto Insurance

Pros

• Low Costs: Direct Auto offers Biloxi, MS customers low-cost insurance covers. Read our Direct Auto car insurance review to learn more.
• Flexible Payment Plans: Mississippi residents can use flexible monthly installments that fit their budgets.
• No Credit Check: Biloxi drivers benefit from a no-credit-check policy that makes it accessible and affordable to people with poor credit scores in Mississippi.

Cons

• Limited Coverage Options: Biloxi, MS drivers might have fewer comprehensive coverage options than drivers of other insurance agencies like State Farm.
• Mixed Customer Service Reviews: Some customers of Mississippi complain about slow responses from customer support.

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#5 – Nationwide: Best for Bundling Policies

Pros

• Bundling Discounts: Biloxi, MS locals could get discounts by bundling their auto and home insurance policies with Nationwide.
• SmartRide Program: Biloxi, MS residents can also minimize premiums through safe driving habits monitored by the SmartRide program.
• Good Claims Handling: Nationwide handles claims well for policyholders in Biloxi, MS; the claims process is simple.

Cons

• High for Young Drivers: New Biloxi, MS drivers often find Nationwide rates higher than comparable Geico or Progressive quotes.
• Less Local Agents: Mississippi has fewer local offices, so in-person help from an agent is harder to find in Biloxi. Browse our Nationwide auto insurance review to gain more information.

#6 – Geico: Best for Affordable Coverage

Pros

• Competitive Rates: Geico offers some of the most reasonable car insurance in the market for drivers in Biloxi, MS, seeking to save money in Mississippi.
• Easy Online Tools: Biloxi, MS drivers can easily obtain quotes and manage policies through Geico’s hassle-free website.
• Plenty of Discounts: Geico offers multiple discounts to Biloxi, MS residents, such as multi-car and safe driver discounts.

Cons

• Less Local Offices: There are fewer offices in Biloxi, MS, which can be inconvenient for drivers who need in-person service.
• Less Coverage: Some drivers in Mississippi have complained about the restrictions on add-on coverage options. For additional details, refer to our Geico auto insurance review.

#7 – Allstate: Best for Comprehensive Coverage 

Pros

• Comprehensive Coverage: Allstate provides excellent options, including accident forgiveness in Mississippi
• Agents in All Places: Biloxi, MS, local Allstate agents continuously strive to provide the best service. Visit our Allstate auto insurance review to get the full scoop.
• Widely Satisfied Strong Claims: Biloxi, MS motorists have a highly rated claims process.

Cons

• Higher Quotes: Biloxi, MS clients may find Allstate’s quotes higher than those of more budget-friendly options such as Direct Auto.
• Fewer Discounts for Teens: Allstate may have fewer discounts for younger Mississippi motorists in Biloxi

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#8 – Travelers: Best for Newer Cars

Pros

• New Car Coverage: Travelers offer specialized coverage options for new vehicles, perfect for driving in Biloxi, MS.
• Accident Forgiveness: With accident forgiveness, Mississippi motorists can avoid premium increases due to a small accident.
• Bundle Discounts: Biloxi, MS, automobile, and home insurance policy buyers may save on their premiums.

Cons

• Limited Digital Tools: Mississippians will find fewer user-friendly digital tools at Travelers than at insurance companies like Geico.
• Fewer Discounts: Biloxi, MS residents could receive fewer discounts than Progressive or State Farm. To understand more, have a look at our Travelers auto insurance review.

#9 – Safeco: Best for Comprehensive Discounts

Pros

• Plentiful Discount Opportunities: Safeco offers citizens of Biloxi, MS, various opportunities for discounts like multi-policy and safe driver savings
• Variety of Add-On Coverage Options: Mississippi drivers may choose the many add-ons when customizing their car insurance policies in Biloxi.
• Roadside Assistance: Drivers in Biloxi, MS, will like Safeco’s great roadside assistance in Mississippi.

Cons

• Higher Premiums: Biloxi drivers with poor driving histories will pay higher premiums due to this factor. 
• Fewer Local Agents: Fewer agents can come to Biloxi, MS, to assist clients face-to-face. Consult our Safeco auto insurance review to learn more.

#10 – AAA: Best for Roadside Assistance

Pros

• Popular Roadside Assistance: AAA offers comprehensive roadside assistance perfect for motorists in Biloxi, MS.
• Member Discounts: Mississippians enjoy special car insurance discounts with membership through AAA. Dive into our AAA auto insurance review for more insights.
• Satisfaction Level: AAA’s Mississippi branch has an outstanding customer satisfaction record in Biloxi, MS.

Cons

• Membership is Necessary: Adding membership to what a Biloxi, MS resident may already pay for can incur extra charges.
• Higher Rates for Non-Members: Mississippi drivers at Biloxi may pay more premiums for not bundling with AAA membership benefits.

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Cheapest Car Insurance in Mississippi

Based on the data collected, State Farm, Progressive, and Farmers are some of the more affordable insurers in the Biloxi area. But a low rate doesn’t always come with great service.

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

Contact an insurance agent near you for accurate Mississippi car insurance quotes based on your stats.

Auto Insurance Discounts From the Top Providers in Biloxi, MS

Auto insurance providers contemplate many elements when establishing Biloxi, MS auto insurance rates, particularly marital status, accident claims, credit score/rating, driving distance to work, and business use of the vehicle.

Biloxi, MS Report Card: Auto Insurance Premiums

Also, remember that affordable Biloxi, MS auto insurance differs from company to company, so comparing auto insurance companies is essential.

Biloxi, MS Auto Accident & Insurance Claim Statistics

Review car insurance quotes in Mississippi online to verify you’re still charged the most affordable price.

Auto Insurance Coverage Requirements in Mississippi

Like many states, Mississippi only requires that you carry Liability coverage on your vehicle. However, consider the consequences of purchasing only the mandatory minimum coverage from the state.

Auto Insurance Coverage Requirements in Mississippi

Your insurer will only pay out claims when you are found at fault for an accident. You will pay out of pocket for everything else.

Unfortunately, some drivers pay high monthly premiums to maintain Coverage. Luckily, Biloxi drivers can access cheap car insurance in Mississippi for as low as $25/month*, but only if they act fast.

Major Factors Affecting Cheap Car Insurance in MS

When your car insurance agency prepares to build your policy, they consider many aspects, including your state’s minimum car insurance requirements.

Some, such as your age or precise address, are usually improbable to modify. Here are various additional examples:

Your ZIP Code

Budget-friendly car insurance is usually available in towns with a lower population density, making it easier to find cheap auto insurance in Mississippi.

Biloxi, MS Auto Insurance by ZIP Code

Because fewer automobiles are on the highway, fewer opportunities exist to get into a serious wreck with another driver. The population of Biloxi is 44,820, and the typical household income is $38,697.

Automotive Accidents

For obvious reasons, areas with a higher rate of automobile accidents will likely have higher auto insurance coverage premiums.

Biloxi, MS Fatal Accidents

Biloxi’s accident statistics are a little high based on its population size, which could inflate your monthly premiums.

Auto Thefts in Biloxi

Car theft can sometimes be a dilemma in smaller cities or outlying towns. To help make it less of a problem, consider installing a passive anti-theft system on your current motor vehicle.

Your current Biloxi, MS, car insurance company might offer reduced costs. Additionally, cheap auto insurance companies may offer discounts for such systems.

Biloxi, MS Auto Insurance Monthly Rates by Provider & Coverage Type

In Biloxi, there were 131 auto thefts in 2013. Remember, you can only file a stolen vehicle claim if you have comprehensive coverage on your insurance policy.

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.

Biloxi, MS Auto Insurance by Credit Score

Conversely, low credit scores tend to be penalized with a higher monthly premium, one-factor affecting car insurance premiums.

Your Age

Age is another large factor in determining insurance rates. As the chart below shows, a high school student can end up paying double (or more) what an adult would for monthly insurance.

Biloxi, MS Auto Insurance Monthly Rates by Age

Ask your agent about car insurance discounts, such as good student discounts and driver’s education courses, to help lower your young driver’s rates.

Your Driving Record

Nobody gets on the road intending to get into an accident, but unfortunately, driving mistakes happen. You might ask your provider about accident forgiveness, whether a low-level speeding ticket or a minor traffic violation.

Biloxi, MS Auto Insurance Monthly Rates by Provider & Driving Record

It’s easy to ensure 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 if the violation is serious enough.

 Your Vehicle

Monthly premiums don’t vary by much from one economy car to another. The big difference comes when you choose between an economy and a luxury vehicle.

Biloxi, MS Auto Insurance by Make & Model

Not only are luxury vehicles more expensive to pay out claims on, but you’ll need a more comprehensive insurance policy to protect yourself from damage, accidents, and theft.

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Minor Factors in Cheap Car Insurance in Biloxi, Mississippi

In Mississippi, like in many other states, the factors below also affect your monthly insurance payment, depending on the type of car insurance you choose.

Your Marital Status

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

Your Gender

Gender is another factor that doesn’t play as big a role in car insurance premiums as previously thought. Some providers 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 an average of 18-30 minutes. You’ll probably need a vehicle to get around, as reflected by the 73% of residents who prefer to drive their 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 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 – 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 your insurance company will likely charge you a higher monthly rate. You can help offset this cost and make your comprehensive coverage more affordable by raising your deductible. However, remember 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. Education is even more effective for discounts than having a nice job or a large yearly salary. Motorists pursuing an advanced degree will see long-term benefits in their prospective careers and car insurance rates.

In Biloxi, 26% of residents have a high school diploma; 19% have at least one full year of college experience. Keesler Air Force Base offers several facilities for 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.

Determining how Biloxi, MS, and auto insurance companies examine your possible risk can be complex, especially considering your area’s average auto insurance cost. But try not to let the wrong insurance agency talk you into buying the wrong policy. You can save on auto insurance by entering your ZIP code  and comparing Mississippi quotes.