Cheapest Auto Insurance in Southaven, Mississippi (2025)
With liability rates of $47 per month, State Farm is the cheapest car insurance company in Southaven.
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Southaven is home to many attractions, such as Snowden Grove Park, the Southaven Towne Center, and the BankPlus Amphitheater. While it’s a great place to live, car owners in Southaven pay an overall average of $117 per month for car insurance — slightly more than the Mississippi state average of $105.
The city’s slightly higher rates could be due in part to the higher rate of motor vehicle theft in DeSoto County.1 The good news is many Mississippi car insurance companies offer affordable auto insurance rates for people in Southaven. Comparing quotes from multiple insurers can help you find the policy that works best for you.
Quick Facts
Drivers in Southaven pay an average of $152 per month for full-coverage insurance and $81 per month for liability-only coverage.
State Farm, USAA, and National General offer the cheapest car insurance in Southaven.
For assistance with car insurance in Southaven, you can call the toll-free Mississippi Insurance Department Consumer Help Line at 1 (800) 562-2957.
3 of the cheapest car insurance companies in Southaven
As you shop around for an auto policy in Southaven, be sure to consider factors like your location, marital status, driving history, coverage options, and unique needs. It’s a good idea to compare quotes from multiple insurance companies to get an accurate view of the market’s offerings.
State Farm, USAA, and Allstate are three insurers you might want to explore, as they all offer affordable auto insurance coverage in Southaven.
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 young drivers: State Farm
Best insurer for military members and veterans: USAA
Best insurer for discounts: Allstate
How to get the cheapest car insurance in Southaven
Fortunately, a number of large and small car insurance companies offer auto policies to Southaven drivers. Here’s how you can land the best deal on your car insurance coverage:3
Shop around. Be sure to use an online quote-comparison tool or consult independent agents to get quotes from at least three different car insurance companies. This way, you can zero in on the right coverage for your unique needs and financial situation.
Look for discounts. Many car insurance companies offer a variety of discounts to customers, such as a multi-car discount, loyalty discount, and safe driver discount. Take advantage of these discounts to score affordable lower rates.
Consider usage-based insurance. Usage-based, or pay-per-mile, insurance may reduce your car insurance costs, especially if you work from home, are retired, or only drive on occasion. Your monthly premiums will be based on the miles you drive.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can all raise your insurance premiums. Practice driving safely to keep your rates low.
Cheapest liability-only car insurance in Southaven: State Farm
Mississippi law requires liability-only car insurance, which is the cheapest type of auto insurance coverage available. This coverage only pays for injuries or damage that you cause to another person in an accident; it won’t pay for your damages.
State Farm offers the most affordable liability-only policies in Southaven, at $47 per month.
The table below shows average quotes for liability-only policies from reputable insurance companies in Southaven.
Cheapest full-coverage car insurance in Southaven: State Farm
Full-coverage car insurance is typically a combination of three coverage types, including minimum liability coverage, collision coverage, and comprehensive coverage. It can offer additional protection and might be required if you have a lease or loan on your vehicle. Since full-coverage insurance provides more protection, it’s also more expensive than liability-only coverage.
Southaven drivers can find the cheapest full-coverage insurance from State Farm, with rates of $71 per month.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Southaven.
Car insurance requirements in Mississippi
Mississippi is an at-fault, or tort, state, meaning the at-fault driver must pay for the damages and medical expenses of the others, usually through their liability-only car insurance. Drivers in Southaven are required to show proof of insurance to avoid hefty fines and other consequences.
Here are the minimum car insurance requirements in Mississippi:4
While liability insurance is the cheapest type of car insurance, you may want to invest in optional car insurance to protect you financially in different situations. Here are several policies you might want to explore for more protection as a driver in Southaven:
Cheapest car insurance for drivers with an incident
If your driving record contains incidents — like at-fault accidents, speeding tickets, and driving under the influence (DUI) — insurers will consider you to be a higher-risk driver and charge higher car insurance rates as a result. This is why Southaven drivers with clean records usually pay cheaper rates.
Even if you have a poor driving record, it’s still possible to find affordable auto insurance coverage. This table shows how driving incidents can affect your car insurance rates in Southaven.
Average cost of car insurance by age
Compared to teens and young adults, senior drivers have a higher car accident mortality rate.5 Average premiums tend to decrease at age 35 and pick back up around age 70 due to the physical and mental limitations seniors often face.
Here’s an overview of the cheapest car insurance quotes for Southaven residents by age.
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.
Southaven car insurance quotes by credit tier
Like most states, Mississippi allows car insurers to look at credit when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them cheaper premiums.
A Southaven driver with excellent credit will pay an average of $142 per month, while someone with poor credit may have to settle for an average rate of $279 per month.
Southaven car insurance FAQs
If you’re shopping for car insurance in Southaven, Mississippi, this additional information may help as you research your coverage options.
How much is car insurance in Southaven?
Car insurance in Southaven costs an average of $152 per month for full coverage and $81 per month for liability-only coverage, according to Insurify data.
Which insurer has the cheapest car insurance in Southaven?
State Farm offers the cheapest car insurance in Southaven, with liability rates as low as $47 per month. Southaven drivers can also find affordable coverage with the city’s second- and third-cheapest insurance companies, USAA, and National General, which have liability rates starting at $48 and $62, respectively.
What are the best car insurance companies in Southaven?
With an above-average J.D. Power customer satisfaction rating in the Southeast, an AM Best financial strength rating of A++ (Superior), and an Insurify Quality Score of 4.5 out of 5, State Farm is one of the best car insurance companies in Southaven.
Other top insurers to consider include Allstate and USAA.
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