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 rate starts at $25 per 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 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 customers in Biloxi.
• Locally Available: State Farm has many branches within this city and offers personalized services and support to its Mississippian citizens.

Cons

• Discount: Fewer discounts for Biloxi 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 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 car owners in Biloxi.
• Coverage Flexibility: Progressive offers a wide array of policy customization options to fit the needs of Biloxi residents.

Cons

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

#3 – Farmers: Best for Personalized Policies

Pros

• Customized Policies: Farmers stand out by offering personalized auto insurance policies to drivers in Biloxi, MS, designed to meet Mississippi’s unique state insurance needs.
• Local Agents: A strong network of knowledgeable agents is available in Biloxi to assist drivers.
• Financial Stability: Backed by a strong financial history, Farmers ensures reliable coverage for Biloxi motorists.

Cons

• Expensive Rates: Biloxi, Mississippi Drivers often pay higher premiums than competitors like Geico. Read our Farmers auto insurance review to learn more.
• Fewer Discounts: Biloxi, MS, customers might find limited discounts, making other providers more cost-effective.

#4 – Direct Auto: Best for Affordable Auto Insurance

Pros

• Low Costs: Direct Auto offers some of the most affordable insurance options for residents of Biloxi, MS. Read our Direct Auto car insurance review to learn more.
• Flexible Payment Plans: Mississippi drivers can benefit from monthly installments tailored to their budgets.
• No Credit Check: Drivers in Biloxi with poor credit scores can access policies without the hassle of a credit check.

Cons

• Limited Coverage Options: In Biloxi, MS, customers may have fewer comprehensive coverage choices than providers like State Farm.
• Mixed Customer Service: Some Mississippi drivers report delays in customer support responses.

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#5 – Nationwide: Best for Bundling Policies

Pros

• Bundling Discounts: Biloxi residents can maximize their savings by combining auto and home insurance policies with Nationwide.
• SmartRide Program: This program rewards safe driving habits for Biloxi, MS, drivers with reduced premiums. For more information, browse our Nationwide auto insurance review.
• Reliable Claims Handling: Drivers in Mississippi, including Biloxi, praise Nationwide’s smooth claims process.

Cons

• High Rates for Young Drivers: Younger drivers in Biloxi often find Nationwide’s premiums higher than Geico or Progressive.
• Limited Local Presence: Mississippi has fewer Nationwide offices, making in-person help harder to find in Biloxi.

#6 – Geico: Best for Affordable Coverage

Pros

• Competitive Rates: Geico offers some of the lowest premiums for drivers in Biloxi, MS, helping Mississippi residents save.
• Easy Online Tools: Biloxi drivers can quickly get quotes and manage policies via Geico’s user-friendly platform.
• Ample Discounts: Mississippi residents benefit from discounts, including multi-car and safe driving options.

Cons

• Fewer Local Offices: Limited in-person service options in Biloxi, MS, may inconvenience drivers. For additional details, refer to our Geico auto insurance review.
• Restricted Add-Ons: Some Mississippi customers have reported fewer choices for additional coverage.

#7 – Allstate: Best for Comprehensive Coverage 

Pros

• Comprehensive Policies: Allstate offers robust coverage options, including accident forgiveness for Mississippi drivers.
• Local Agents: Biloxi agents are readily available to provide top-notch service.
• Strong Claims Satisfaction: Mississippi policyholders, especially in Biloxi, rate the claims process highly.

Cons

• Higher Premiums: Allstate’s rates in Biloxi, MS, are higher than those of budget-friendly options like Direct Auto.
• Limited Discounts for Teens: Younger drivers in Mississippi may find fewer savings opportunities. Visit our Allstate auto insurance review to get the full scoop.

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#8 – Travelers: Best for Newer Cars

Pros

• New Car Coverage: Travelers specializes in policies for newer vehicles, which is a great option for Biloxi, MS, residents.
• Accident Forgiveness: Mississippi drivers avoid premium hikes for minor accidents. To understand more, read our Travelers auto insurance review.
• Bundling Discounts: Biloxi residents save when combining home and auto insurance policies.

Cons

• Limited Digital Tools: Drivers in Mississippi might find Travelers’ online resources less user-friendly than Geico’s.
• Fewer Discounts: Biloxi, MS residents may find better discount options than competitors like Progressive.

#9 – Safeco: Best for Comprehensive Discounts

Pros

• Plenty of Discounts: Safeco offers various discount opportunities for Mississippi drivers, including safe drivers and multi-policy savings.
• Add-On Options: Biloxi residents can customize policies with numerous add-ons. Consult our Safeco auto insurance review to learn more.
• Roadside Assistance: Reliable assistance is available for drivers in Biloxi, MS.

Cons

• Higher Premiums: Biloxi drivers with poor records might face higher costs.
• Limited Local Agents: Safeco has fewer in-person agents in Biloxi, MS, than larger competitors.

#10 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance:x AAA provides unparalleled roadside support for drivers in Biloxi, MS. Dive into our AAA auto insurance review for more insights.
• Member Discounts: Mississippi motorists, including Biloxi residents, enjoy exclusive savings with membership.
• Customer Satisfaction: AAA maintains a strong reputation among Mississippi drivers.

Cons

• Membership Requirement: Biloxi, MS, residents must pay for a membership to access benefits.
• Higher Rates for Non-Members: Premiums are less competitive for drivers without AAA memberships.

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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

In Biloxi, MS, auto insurance providers consider several factors when determining rates. These include marital status, accident history, credit score, daily commuting distance, and whether the vehicle is used for business purposes.

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.

Mississippi Minimum Auto Insurance Coverage Requirements

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 Monthly Rates by ZIP Code

Because fewer automobiles are on the highway, fewer opportunities exist to get into a serious wreck with another driver. Biloxi’s population 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.

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 Monthly Rates by Provider & 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 Provider, Age, & Gender

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 Monthly Rates by Vehicle & Coverage Level

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.