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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Flowood Mississippi

Why Are Car Insurance Rates So Expensive Near Me

Mississippi is often cited as having some of the most expensive car insurance rates in the nation. This is due to a variety of factors, including an abundance of uninsured drivers and high accident rates. Mississippi also has rigorous state laws that require drivers to carry certain levels of coverage, which can lead to higher premiums. Additionally, Mississippi has a higher amount of rural roads than other states, which can make driving more dangerous and cause insurers to raise their rates accordingly. All these factors combine to create sky-high auto insurance costs in Flowood.Fortunately, there are ways for Mississippi residents to save on car insurance by exploring different coverage options and shopping around for the best deals.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $5,494
20 Years $2,175
30 Years $1,676
40 Years $1,612
50 Years $1,493
60 Years $1,514
70 Years $1,762

Auto Insurance Rates for Young vs Older People

Whether you're a young person just starting to drive, or an older driver who's been on the road for years, Flowood offers competitive rates that can fit most budgets. Under Mississippi law, car insurance companies must provide coverage to drivers of any age. However, premiums are usually higher for teenage drivers and those under 25 due to their lack of experience behind the wheel. Mississippi also requires all drivers to carry liability insurance in order to be able to operate a vehicle legally within the state. This type of policy covers damages caused by your car if you're at fault in an accident, but it does not cover damage done to your own vehicle or medical costs incurred as a result of an accident.

The good news is that Flowood has a variety of discounts available to help young and older drivers keep their auto insurance rates low. These include good driver discounts, multi-car discounts, and other incentive-based rate reductions. Mississippi also offers lower rates for vehicles with extra safety features such as anti-theft devices or airbags. Age is an important factor when it comes to car insurance premiums in Mississippi. Drivers aged 18-25 may pay higher premiums than more experienced drivers due to the risk associated with inexperienced or reckless driving behaviors.

Older drivers in Flowood can often save money on their policy by taking advantage of senior citizen discounts offered by some insurers. Mississippi does not have any age restrictions for auto insurance coverage, so no matter what your age you should be able to find a policy that fits your budget and meets your needs. Mississippi also allows drivers to choose from a variety of payment plans, so you can pick the one that works best for you. Whether you're young or old, Mississippi provides a range of car insurance options that can help keep your premiums low while still providing adequate coverage.

Best Auto Insurance Companies in Mississippi

USAA

State Farm

Geico

Progressive

Allstate

NAIC Market Share

6.01%

16.14%

13.45%

13.45%

9.33%

S&P Global Ratings

AA+

AA

AA+

A

A-

Average Full Coverage Yearly Premium

$816

$1,359

$1,463

$1,637

$1,864

Discount Rating

5 stars

5 stars

5 stars

5 stars

5 stars


USAA

State Farm

Geico

Progressive

Allstate

NAIC Market Share

6.01%

16.14%

13.45%

13.45%

9.33%

S&P Global Ratings

AA+

AA

AA+

A

A-

Average Full Coverage Yearly Premium

$816

$1,359

$1,463

$1,637

$1,864

Discount Rating

5 stars

5 stars

5 stars

5 stars

5 stars


USAA

State Farm

Geico

Progressive

Allstate

NAIC Market Share

6.01%

16.14%

13.45%

13.45%

9.33%

S&P Global Ratings

AA+

AA

AA+

A

A-

Average Full Coverage Yearly Premium

$816

$1,359

$1,463

$1,637

$1,864

Discount Rating

5 stars

5 stars

5 stars

5 stars

5 stars


Car Insurance Companies Near Me

Accurate Auto Insurance Flowood

4209 Lakeland Dr #243, Flowood, MS 39232

(800) 999-1034

https://www.accurateautoins.com/

Southern Insurance Group - Flowood

548 Keyway Dr, Flowood, MS 39232

(601) 932-5700

https://sigins.com/

IPS - Insurance Protection Specialists

5500 Plaza Dr Suite A, Flowood, MS 39232

(601) 992-4040

http://www.ips-ms.com/

R.W. Aiken Insurance Agency

1923 Dunbarton Dr A, Jackson, MS 39216

(601) 981-1574

http://www.aikeninsure.com/

Shelter Insurance - Shane R Tapper

111 Belle Meade Point Ste B, Flowood, MS 39232

(601) 992-1420

https://www.shelterinsurance.com/CA/agent/SHANETAPPER

Shelter Insurance - Phil Penton, LUTCF

660 Lakeland E Dr Ste 110, Flowood, MS 39232

(601) 982-9980

https://www.shelterinsurance.com/CA/agent/PHILPENTON

Comparing the Best Car Insurance Companies Nearby

When it comes time to shop for car insurance, Flowood drivers have access to a variety of providers. It's important to compare quotes from different companies in order to find the best rate and coverage options. Mississippi requires all drivers to carry liability insurance and most insurers offer additional policies such as collision, comprehensive, and uninsured/underinsured motorist coverage. Mississippi law also allows drivers to purchase higher limits of liability coverage if they choose.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3724$996
Reckless Driving$3561$969
Wrong Way/Wrong Lane$3079$942
Driving on Sus. License$2976$904
Illegal Turn$2546$901
Failure to Obey Traffic Sign$2223$870
Speeding over 15$2187$832
Defective Equipment$1866$609
Speeding under 15$1876$618

How Driving Infractions Increase Insurance Premiums

Driving infractions can cause Flowood insurance premiums to increase in a variety of ways. Mississippi is one of the many states that uses an “at-fault” system for insurance, which means that any driver who causes an accident or violation can be held financially responsible for damages and injury claims. Even a simple traffic ticket like running a stop sign or speeding can have a significant impact on your Mississippi car insurance rates.

The number of points assessed after an infraction will depend on the severity of the violation. In Flowood, minor violations like moving violations such as failing to yield or speed are given 1 point each, while more serious offenses like drunk driving, hit & run accidents and vehicular homicide are assigned 4 points each. As these points accumulate, drivers will likely see their Mississippi insurance premiums increase.

The more serious the violation, the longer it will remain on a Flowood driver’s record. Violations like driving without insurance or a valid license can stay on a driver’s record for five years, while violations like reckless driving and leaving the scene of an accident could remain on the Mississippi record for as long as seven years. During this time period, Mississippi drivers are likely to experience higher car insurance costs.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1832
Below Fair $2608
Poor $2833
Worst $3110

Does Credit Score Matter When Getting Cheaper Quotes?

When Flowood drivers look for the most affordable car insurance quotes, their credit score is often taken into account. This is because insurers use credit scores as a way to assess risk and determine how likely you are to file a claim in the future. Mississippi drivers with better credit generally get more favorable rates. However, Mississippi does have laws that protect consumers and limit how much-credit based factors can affect insurance premiums. Drivers with bad or limited credit should still be able to find an affordable Mississippi auto policy if they do some research and shop around for quotes from different insurers.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Flowood Mississippi

Don't Forget The Total Monthly Cost of Your Vehicle

When purchasing a vehicle, Flowood residents should take into account the total monthly cost of their new car. This includes not only the price of the vehicle itself, but also factors like gas, insurance, taxes and registration fees. Mississippi law requires all vehicles to be insured at all times so make sure you factor in the cost of insurance when making your final decision. Also, Mississippi has a very strict emissions testing program that may require significant repair costs if your vehicle does not meet standards. Don't forget to budget for those costs as well when deciding on whether or not you can afford a particular car or truck. Doing your homework ahead of time will help ensure you buy the right car for you and your budget.

car insurance companies Flowood MS

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Mississippi

Mississippi also has specific insurance requirements when it comes to car ownership. Flowood drivers must carry liability only insurance, which covers the expenses of another driver if you are found at fault in an accident. If you have a loan on your vehicle, however, your lender may require that you purchase full coverage insurance, which provides additional protection for damage or theft of your own vehicle. This could increase your monthly payment significantly, so make sure to factor this into your budget when deciding whether or not to buy a new car.

Overall Budgeting

Flowood residents should be mindful of their overall budget when looking to purchase a vehicle. Make sure that the total monthly cost does not exceed what you can afford and remember to account for all expenses associated with owning a vehicle. Mississippi law requires all drivers to be insured and emissions tests may need to be performed, so don’t forget to factor those costs into your budget as well. Taking the time to prepare for these expenses ahead of time can help you get the most out of your car purchase.

State Auto Insurance Minimums in Mississippi

Flowood drivers must meet certain minimum auto insurance requirements. Mississippi requires that liability insurance cover at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Mississippi also requires that uninsured motorists coverage be purchased which can provide financial protection in the event of an accident with an uninsured motorist. Make sure to purchase enough coverage to satisfy Mississippi's minimum requirements in order to stay compliant with state law.

Non-Owner Car Insurance in MS

Flowood also offers non-owner car insurance for drivers who do not own a vehicle. Non-owner car insurance provides financial protection in the event of an accident while you are operating someone else’s vehicle. This type of policy may be necessary if you frequently rent or borrow vehicles, so make sure to look into this coverage option before making your final purchase decision. Mississippi law requires all drivers to have some form of auto insurance and non-owner policies can help satisfy these requirements without having to buy an actual vehicle.

Car Insurance Discounts in MS

Flowood residents have access to a wide range of car insurance discounts. Many Mississippi-based companies offer discounts for safe driving, good grades, and a variety of other reasons. Mississippi drivers may also qualify for additional discounts based on their age, marital status, or occupation. Additionally, Mississippi drivers may be eligible for military and veteran discounts as well as insurance bundles that can help lower the cost of coverage even further. By taking advantage of these opportunities to save money on car insurance premiums, Mississippi drivers can often find great deals on the coverage they need. With so many different options available it is important to compare multiple providers in order to find the best deal possible. Before signing up with an insurer, Mississippi drivers should make sure they understand exactly what coverages and discounts are included in the policy. Doing research beforehand can help Mississippi drivers save money on car insurance while still getting the coverage they need.

Getting Coverage for Teenagers in MS

Mississippi law requires all drivers, including teens and young adults, to have the minimum amount of car insurance coverage. Mississippi auto insurers offer special discounts for teen drivers to help make insurance more affordable. These discounts are usually based on the driver’s grades in school and their driving record. Flowood parents should also consider getting a multi-car policy which can lower the premiums for all vehicles on the policy.

Car Insurance for Seniors

Flowood in Mississippi may have access to some of the same car insurance discounts as teens and young adults. Mississippi-based insurers often offer discounts for seniors based on age, driving record, and other factors. Additionally, Mississippi residents over 65 may qualify for a discount if they complete an approved safe driver course. Mississippi seniors should compare multiple insurance providers before settling on one policy so that they can get the best coverage at the lowest price. With careful research, Mississippi seniors can find affordable car insurance with all the necessary coverages included.

Insurance Discounts for Military Members in Mississippi

Flowood residents who are active military members or veterans may be eligible for additional discounts from Mississippi-based auto insurers. These discounts are intended to show appreciation for military service and can help Mississippi residents save money on their car insurance premiums. Mississippi drivers should make sure their insurer is aware of their military status in order to receive all available discounts.

No matter what Flowood drivers are looking for, there are probably discounts that can help lower the cost of car insurance premiums. Mississippi residents can take advantage of these opportunities to save money while still getting the coverage needed. By comparing multiple providers, Mississippi drivers can find the best deal with the most comprehensive coverage. Doing research beforehand can help Mississippi drivers get the most out of their insurance policies at a great price.

Do I Need SR-22 Insurance in Mississippi

Drivers who have been convicted of certain offenses may be required by Mississippi law to carry SR-22 insurance. Flowood drivers who are required to carry this type of coverage must purchase a policy from an insurer in Mississippi. Mississippi insurers typically offer SR-22 policies at an additional cost, usually on top of the driver’s regular car insurance premiums. Mississippi drivers should contact their insurer or local Department of Motor Vehicles to find out if they need SR-22 insurance and what options are available.

Should I Increase My Deductible?

It’s important for Flowood drivers to consider their deductible when it comes to auto insurance coverage. Increasing the deductible on your policy can help lower your overall premiums and make sure you have the right level of protection. However, deciding whether or not increasing your deductible is right for you requires careful consideration.

It's important to remember that if you do opt to increase your deductible, it means more money out of pocket should you need to file a claim in the future. When considering increasing your Flowood auto insurance deductible, consider both how much extra you'd be willing to pay out-of-pocket if necessary as well as how much savings on monthly premiums a higher deductible could offer.

Before you make any changes to your Flowood auto insurance policy, consult with an experienced independent insurance agent who can help you determine the best option for you and your family. With their expertise and guidance, you can find the right auto insurance coverage for Mississippi drivers that fits both your budget and lifestyle.

Geico vs Allstate

When it comes to Flowood auto insurance, two of the most popular insurers are Geico and Allstate. Both provide coverage throughout Mississippi. While both offer good coverage, they differ in terms of cost and customer service.

Geico is typically seen as the more budget-friendly option as it tends to offer cheaper premiums than Allstate in Flowood. Customers also report that Geico's customer service is better than Allstate’s, with quicker response times and fewer issues getting claims settled or quotes processed.

However, you should consider both companies when shopping for Flowood auto insurance to make sure you're getting the best deal for your money. It's important to compare quotes from multiple providers before making a final decision.

State Farm vs Liberty Mutual

State Farm and Liberty Mutual are also two popular Flowood auto insurance providers. While both offer competitive premiums, there are some key differences between the two.

State Farm has good customer service ratings with quick response times, whereas Liberty Mutual is seen as more of a budget-friendly option due to its lower premiums in Flowood. Additionally, State Farm’s coverage options may be more comprehensive than what Liberty Mutual offers for Mississippi residents.

Nationwide vs Progressive

When it comes to Flowood auto insurance, Nationwide and Progressive are two popular providers. Both offer competitive pricing, but there are some key differences between the two.

Nationwide is known for its customer service and discounts, while Progressive has better online resources and access to local agents. Nationwide also offers more coverage options than Progressive, including uninsured motorist coverage in Flowood.

No matter which Flowood auto insurance provider you choose, make sure to compare quotes from multiple companies before making a final decision. Doing so will help ensure that you get the best possible coverage for your needs at an affordable rate.

car insurance companies Flowood MS

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Flowood, Mississippi. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Flowood, MS.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.