Average car insurance cost in Hattiesburg, MS

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Hattiesburg, Mississippi is $1,999 per year, according to Insure.com data analysis. Also, the car insurance rates in Hattiesburg is $9 less than the average rates in Mississippi and $104 more than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Hattiesburg, the average car insurance rates categorized by age and gender, and the cost of car insurance in Hattiesburg based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Hattiesburg. Read on to learn more.

Cheap car insurance companies in Hattiesburg

Nationwide provides the best value for car insurance in Hattiesburg with coverage limits of 100/300/100, costing $1,169 annually.

A close second is State Farm, which offers car insurance at $1,694 per year.

Read about the best car insurance companies.

Average car insurance cost in Hattiesburg by coverage limits

The average car insurance rates in Hattiesburg based on coverage types are as follows:

• State minimum coverage: $495 per year (limits are 25/50/25)
• Liability only coverage: $678 per year (limits are 50/100/50)
• Full coverage: $1,999 per year (limits are 100/300/100)
• Non-owners coverage: $342 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Hattiesburg

Based on an analysis by Insure.com, female drivers in Hattiesburg, Mississippi pay an average annual car insurance premium of $1,986. In comparison, male drivers pay $2,012 annually, which is $26 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Hattiesburg

In Hattiesburg, car insurance rates are highest for teens, averaging $6,212 per year or $518 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,192 annually for their car insurance, which is $3,020 less than what teens pay for their coverage.

In Hattiesburg, adult drivers pay an average of $1,961 per year for car insurance, while senior drivers pay $1,994 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Hattiesburg

Examining the trends in car insurance rates in Hattiesburg, Mississippi it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 30%, or $465.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Hattiesburg are lower than the average rates in Mississippi. Drivers in Hattiesburg can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.