Cheapest Auto Insurance in Tupelo, Mississippi (2025)
With monthly liability rates as low as $39, State Farm is the cheapest car insurance company in Tupelo.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Situated in northeast Mississippi, Tupelo is the birthplace of Elvis Presley and is known for the 444-mile historic Natchez Trace Parkway. On average, Tupelo drivers pay $66 per month for liability insurance and $127 per month for full coverage — slightly less than the average rates in Mississippi of $69 and $141 per month.
The city’s cheaper premiums may be partly due to the lower rate of motor vehicle theft in Lee County compared to other cities in Mississippi.1 Here’s what you need to know about comparing quotes and finding affordable auto insurance coverage in Tupelo.
Quick Facts
State Farm, USAA, and National General have the cheapest car insurance in Tupelo.
Tupelo drivers pay a yearly average of $1,521 for full-coverage car insurance.
For help with car insurance in Tupelo, 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 Tupelo
Factors like your ZIP code, driving history, vehicle type, budget, preferred insurance products, and coverage levels all play a role in the auto insurance rates you receive.
To zero in on the cheapest auto policy, it’s a good idea to compare quotes from multiple car insurance companies. State Farm, USAA, and Allstate are three insurers you may want to explore as you start your search.
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 families: USAA
Best insurer for personalized customer service: Allstate
How to get the cheapest car insurance in Tupelo
A number of strategies can help you land cheap insurance in Tupelo, including:
Comparison shop. Get insurance quotes from at least three different car insurance companies to find the right policy for your unique situation and particular needs. Compare rates, coverage options, and insurance agency reviews from current and former customers. You can use an online quote-comparison platform or an insurance agent in Tupelo to access quotes.
Look for discounts. Most auto insurance companies offer discounts that can lower your premiums. A few examples of popular discounts include a multi-car discount, loyalty discount, home insurance discount, and anti-theft device discount.
Bundle policies. If you purchase your car insurance with another type of policy, such as homeowners insurance, renters insurance, life insurance, or business insurance, you can usually secure a good deal. All you have to do is use the same insurance company for your policies.
Explore usage-based insurance. Usage-based insurance might save you money if you drive only on occasion because you’re retired or work remotely, for example. You’ll pay only for the miles you drive, plus a monthly base rate.
Cheapest liability-only car insurance in Tupelo: State Farm
Per Mississippi law, drivers must carry liability car insurance, at a minimum. This type of policy pays for the other party’s property damage and medical bills after an at-fault accident. It’s typically the cheapest car insurance coverage available because it doesn’t pay for your injuries or car repairs after an accident where you’re at fault.
Liability insurance in Tupelo costs an average of $66 per month.
The table below shows the insurance companies offering the lowest rates for liability coverage in Tupelo.
Cheapest full-coverage car insurance in Tupelo: State Farm
Full-coverage car insurance typically includes liability, collision, and comprehensive coverage. While it’s more expensive than minimum-liability insurance, it offers additional protection. Also, if you have a loan or lease on your vehicle, your lender may require you to carry full coverage.
Tupelo drivers pay a monthly average of $127 for full coverage.
Here’s a look at the most affordable auto insurers in the city for full-coverage insurance.
Car insurance requirements in Mississippi
Mississippi is an at-fault, or tort, state. This means the driver responsible for the accident must cover the damages and medical expenses of others, typically through their liability car insurance. The state requires drivers to show proof of insurance to avoid high fines and other consequences.
Here are the minimum car insurance requirements in Mississippi:2
It may make sense to invest in optional auto insurance to protect you financially and gain extra peace of mind in certain situations. Several policies you might want to consider as a driver in Tupelo include:
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents that can lead to higher car insurance rates. If you have an incident on your record, insurance companies will generally view you as a high-risk driver who’s more likely to file a claim. That’s why Tupelo residents with clean records usually pay cheaper premiums.
The tables below show the car insurance companies offering the cheapest average car insurance quotes in Tupelo based on driving history.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can cause you to lose control of your vehicle and interfere with your ability to drive safely.3 For this reason, Tupelo drivers with speeding tickets usually face higher car insurance rates.
Liability insurance costs $74 per month for Tupelo drivers with a speeding ticket, and full coverage costs $142 per month.
Here’s a look at the cheapest car insurance companies in Tupelo for drivers with a speeding ticket on their records.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause a motor vehicle accident, car insurers will perceive you as a greater risk on the road and likely charge you higher rates as a result. Factors like the severity of the accident and the value of the claim will dictate how much your premiums will increase.
Tupelo drivers with an at-fault accident pay a monthly average of $79 for minimum-coverage policies and $152 for full coverage.
Explore the cheapest monthly quotes for Tupelo drivers with an at-fault accident on their records in the table below.
Cheapest car insurance for drivers with a DUI: State Farm
Mississippi takes DUIs very seriously and imposes consequences like fines and jail time. A DUI can also lead to more expensive insurance costs and mandate an SR-22 insurance form.
Tupelo drivers with a DUI pay an average of $106 per month for liability coverage. That price increases to $204 per month for full coverage.
Below, you’ll find the cheapest car insurance companies for Tupelo drivers with a DUI.
Cheapest car insurance for seniors: State Farm
Because senior drivers are more likely to cause an accident than middle-aged drivers, car insurance companies charge them more expensive rates. Average premiums usually go down around age 35 and increase slightly again around age 70.
Senior drivers in Tupelo pay $56 per month, on average, for minimum coverage and $108 for full coverage.
The insurers below offer the cheapest coverage for senior drivers in Tupelo.
Cheapest car insurance for teens: USAA
Since they have less experience on the road, teen drivers and young adults can expect higher car insurance costs.
Teen drivers in Tupelo pay monthly averages of $116 for liability coverage and $223 for full coverage.
The good news is teens can save money by being added to their parents’ policy or family plans, choosing a safe car, and taking advantage of discounts, like a good student discount.
Tupelo car insurance quotes by credit tier
Mississippi, like most states, allows auto insurance companies to consider a person’s credit history during the underwriting process. This means people with good credit generally lock in cheaper rates than people with poor credit.
The chart below shows average premiums for Tupelo drivers based on their credit tier.
Is car insurance more expensive in Tupelo?
Compared to the national average, auto insurance premiums in Tupelo are less expensive. Rates vary by city within Mississippi due to factors like population, crime rates, and the number of uninsured drivers. For example, premiums in Tupelo are more affordable than they are in Jackson and Madison.
More cities in Mississippi
Here’s a look at the average car insurance quotes in some other cities in Mississippi.
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.
Tupelo car insurance FAQs
If you’re shopping for car insurance in Tupelo, this additional information may help as you research your coverage options.
How much is car insurance in Tupelo?
Car insurance in Tupelo costs an average of $66 per month for liability coverage and $127 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Tupelo?
State Farm has the cheapest car insurance in Tupelo, with monthly liability rates as low as $39. USAA and National General also offer affordable coverage, with respective monthly liability rates of $40 and $51.
But the cheapest insurer for you will depend on many factors, such as your age, your ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Tupelo?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction stores, State Farm is the best car insurance company in Tupelo. Other top insurers in the city include Allstate and USAA.
What is the average cost of car insurance in Mississippi?
The average cost of car insurance in Mississippi is $69 per month for liability coverage and $141 per month for full coverage, Insurify data shows.
What are Mississippi’s minimum requirements for auto insurance?
Mississippi’s minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
)
Insurance Writer
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=logo}
){kind=small}
){kind=small}
