Cheapest Auto Insurance in Hattiesburg, Mississippi (2025)
State Farm offers the cheapest car insurance in Hattiesburg, with minimum-coverage policies as low as $47 per month.
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The average cost of car insurance in Hattiesburg, Mississippi, is $75 per month for liability-only insurance and $156 per month for full-coverage insurance. These premiums are much lower than the U.S. national average rates of $103 per month for liability-only coverage and $182 per month for full coverage.
Hattiesburg is a smaller city, with a population of around 48,000.1 Fewer cars on the road means less of a risk for accidents, which could partly explain the city’s lower car insurance rates. Even though Hattiesburg’s rates are affordable, it’s still important to compare car insurance quotes from several insurers to find the best policy for your needs.
Quick Facts
State Farm, USAA, and National General offer the cheapest car insurance in Hattiesburg.
Hattiesburg drivers pay rates similar to the Mississippi average rates of $69 per month for liability coverage and $141 per month for full coverage.
Drivers in Hattiesburg with poor credit pay an average of $195 for full coverage.
3 of the cheapest car insurance companies in Hattiesburg
Many car insurance companies sell coverage to drivers in Hattiesburg. However, each insurer has unique pros and cons. The best car insurance company will depend on your individual situation and coverage needs. Start your search with the insurers in the table below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
Best insurer for military families: USAA
Best insurer for discounts: Allstate
How to get the cheapest car insurance in Hattiesburg
The cost of car insurance depends on a variety of different factors, including your ZIP code, age, credit score, and driving record. However, you have many ways to get cheap car insurance in Hattiesburg.
Follow these tips to help reduce your car insurance premium:2
Raise your deductible. Choosing a higher deductible for policies like collision and comprehensive insurance will result in a lower monthly premium.
Bundle your policies. Most insurance companies offer significant discounts to customers who bundle two or more products, like car insurance with home insurance, renters insurance, or life insurance.
Look for discounts. Many companies offer car insurance discounts, which can help you save money. You can often find discounts for claim-free drivers, smart students, taking a defensive driving course, and insuring multiple vehicles.
Shop around. Car insurance companies charge different rates for the same coverage types and limits. It’s a good idea to get quotes from several insurers to see which one can offer you the lowest rate for your situation. Shopping for new quotes once per year or after a claim will help you ensure you’re getting the best rate.
Cheapest liability-only car insurance in Hattiesburg: State Farm
Liability-only car insurance is legally required in Mississippi. It covers your financial responsibilities when you cause an accident that results in someone else’s injuries or property damages. It doesn’t provide any coverage for your injuries or vehicle repairs if you get into an accident.
State Farm offers the cheapest liability-only policies in Hattiesburg, at $47 per month.
In the table below, you can see which car insurance companies in Hattiesburg have the lowest average rates for liability-only insurance.
Cheapest full-coverage car insurance in Hattiesburg: State Farm
Full-coverage car insurance provides more protection than liability-only insurance. A standard full-coverage policy typically includes liability, collision, and comprehensive insurance. Most policies also cover your medical bills if you get injured. Depending on your location, it may also include uninsured/underinsured motorist insurance and personal injury protection (PIP).
Full coverage is optional for most drivers. However, some lenders require full coverage if you lease or finance your vehicle. Even if you own your vehicle, having full coverage will provide more financial protection and peace of mind than a minimum-coverage policy.
State Farm has the cheapest premiums for full coverage, with a monthly rate of $69.
Below, you can see which insurers have the cheapest car insurance in Hattiesburg for full-coverage insurance.
Car insurance requirements in Mississippi
Vehicle owners in Mississippi are legally required to carry a minimum amount of car insurance. To meet the Mississippi auto insurance laws, drivers must have liability insurance with coverage limits of 25/50/25 or higher.3 Because Mississippi is a fault state, the at-fault driver is responsible for compensating the other person for their losses after a crash.
In addition to the required coverages, many Mississippi drivers can benefit from optional coverages. Every insurance business offers a unique selection of endorsements. If you’re not sure what endorsements you might need, an insurance agent can provide a recommendation.
Here are some of the most common add-ons that can fill gaps in a standard car insurance policy:
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, such as speeding tickets and at-fault accidents, usually pay higher rates for car insurance than drivers with a clean record. Insurance companies view people with a history of these violations as riskier to insure, so they charge higher rates.4
The most serious violations, such as driving under the influence (DUI), usually have the biggest effect on premiums.
Average cost of car insurance by age
One of the most important factors that can affect the cost of auto insurance is your age. In general, young drivers and teen drivers pay the highest rates for insurance because they have the least amount of driving experience.5
Rates tend to decrease around age 35 but increase again around age 70. Statistics show that older drivers are more likely to be injured in accidents than middle-aged adults, and they may have impaired driving abilities.6
Below, you can see the average cost of car insurance in Hattiesburg for drivers in different age groups.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hattiesburg car insurance quotes by credit tier
In Mississippi, car insurance companies can use credit-based insurance scores when determining your rates. When you apply for a policy, the insurer will check your credit history to gauge how risky you are to insure.7
Drivers with good credit scores usually pay lower car insurance rates than drivers with poor credit scores. People with bad credit scores are more likely to file claims, which is why they typically pay higher prices.
In the table below, you can see the average monthly cost of full-coverage car insurance for Hattiesburg drivers in different credit tiers.
Hattiesburg car insurance FAQs
If you’re shopping for a car insurance policy in Hattiesburg, this additional information may help as you research your coverage options.
How much is car insurance in Hattiesburg?
Car insurance in Hattiesburg costs $75 per month for liability-only coverage and $156 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Hattiesburg?
State Farm has the cheapest car insurance in Hattiesburg, with liability-only rates of $47 per month. USAA and National General also offer cheap liability policies, with monthly rates of $48 and $61, respectively.
But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, the car you drive, chosen coverage levels, and more.
What are the best car insurance companies in Hattiesburg?
With above-average J.D. Power customer satisfaction ratings, an AM Best financial strength rating of A++ (Superior), and an IQ Score of 9.3 out of 5, State Farm is the best car insurance company in Hattiesburg. Other top insurers to consider include Allstate and USAA.
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