Best Southaven, MS Auto Insurance in 2026 (Compare the Top 10 Companies)
The best Southaven, MS auto insurance comes from State Farm, Progressive, and Allstate, offering top rates as low as $30/month. This guide compares coverage, customer service, and pricing to help you find the right provider. Discover how these companies stand out and choose the best plan for your needs.
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Table of Contents
Table of Contents
Updated January 2025
18,155 reviewsCompany Facts
Full Coverage in Southaven MS
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
13,283 reviewsCompany Facts
Full Coverage in Southaven MS
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
11,638 reviewsCompany Facts
Full Coverage in Southaven MS
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsThe best Southaven, MS, auto insurance providers are State Farm, Progressive, and Allstate. Offering rates as low as $30/month, each company matches affordability with outstanding coverage and customer service.
Whether you prioritize savings or flexibility in a policy, these top providers deliver. Compare auto insurance companies to find the perfect one and lock in your ideal policy today.
Our Top 10 Company Picks: Best Southaven, MS Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 10% | A+ | Competitive Rates | Progressive |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 20% | A | Customized Policies | Farmers |
 | #5 | 25% | A++ | Many Discounts | Geico |
 | #6 | 25% | A | Family-Focused Discounts | American Family |
 | #7 | 13% | A++ | Comprehensive Coverage | Travelers |
 | #8 | 5% | A+ | SR-22 Insurance | Dairyland |
 | #9 | 20% | A+ | Accident Forgiveness | Nationwide |
 | #10 | 25% | A++ | Reliability Focused | Auto-Owners |
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
- State Farm offers the top combination of low rates and reliable coverage
- Progressive and Allstate provide flexible plans to fit various needs
- Explore discounts and perks to maximize savings on your auto insurance
#1 – State Farm: Top Overall Pick
Pros
- Low Premiums: State Farm offers some of the lowest rates in Southaven, starting at $30 monthly.
- Local Agents: Southaven drivers benefit from easy access to nearby State Farm offices.
- Student Discounts: Mississippi students with good grades enjoy reduced rates. Check out our State Farm auto insurance review to learn more.
Cons
- Limited Policy Options: Fewer customization choices for Southaven residents.
- Average Claims Process: Filing claims in Mississippi may take longer than expected.
#2 – Progressive: Best for High-Risk Drivers
Pros
- Competitive High-Risk Rates: Affordable for Southaven drivers with prior violations.
- Snapshot Program: This program tracks driving habits for discounts in Mississippi. Explore our Progressive auto insurance review for more details.
- Flexible Coverage: Rideshare and other unique options are available for Southaven drivers.
Cons
- Post-Claim Rate Increases: Mississippi drivers may face steep hikes after a claim.
- Mixed Customer Service: Inconsistent service quality was reported in Southaven.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Local Support: Many Allstate agents are available in Southaven for personalized help.
- Safe Driving Discounts: Rewards clean records for Mississippi policyholders.
- Strong Financial Ratings: Reliable claims payouts in Southaven. Read our Allstate auto insurance review to find out more.
Cons
- Expensive for Young Drivers: Higher premiums for new drivers in Mississippi.
- Fewer Discount Opportunities: Limited savings options in Southaven.
#4 – Farmers: Best for Customization
Pros
- Broad Coverage Options: Tailored policies for Southaven drivers’ needs.
- Accident Forgiveness: Keeps rates steady after the first fault in Mississippi. Discover our Farmers auto insurance review for further insights.
- Multi-Policy Discounts: Combine home and auto for big savings in Southaven.
Cons
- Higher Premiums: Costs more for basic policies in Mississippi.
- Weak Online Tools: Digital management options lag behind competitors.
#5 – Geico: Best for Nationwide Coverage
Pros
- Low Rates: Geico consistently offers cheap auto insurance for Southaven drivers. Read our Geico auto insurance review for more information.
- User-Friendly Appx: Manage policies and file claims online from Mississippi.
- Military Discounts: Savings for active and retired service members in Southaven.
Cons
- Few Local Agents: Limited in-person help for Southaven residents.
- Basic Coverage Only: Fewer add-on options compared to Mississippi competitors.
#6 – American Family: Best for Family Discounts
Pros
- Family Discounts: Mississippi households can save by bundling policies.
- Great Customer Service: High satisfaction among Southaven drivers.
- Flexible Policies: There are good options for full Coverage in Mississippi. For additional details, refer to our American Family auto insurance review.
Cons
- Availability Issues: Coverage is limited in some Southaven areas.
- Higher Rates for Singles: Individual policies cost more in Mississippi.
#7 – Travelers: Best for Safe Drivers
Pros
- Accident-Free Discounts: Mississippi drivers with clean records get lower rates.
- Extensive Coverage: Offering gap insurance and new car replacement in Southaven. Visit our Travelers auto insurance review to get the full scoop.
- Reliable Claims Service: Travelers offers 24/7 support in Mississippi.
Cons
- Expensive for Basic Coverage: Premiums are higher for minimum liability in Southaven.
- Few Local Offices: Limited agent access for Mississippi customers.
#8 – Dairyland: Best for High-Risk Drivers
Pros
- Flexible Payment Plans: Offering tailored schedules for Southaven drivers. To learn more, read our Dairyland car insurance review.
- Accepts High-Risk Drivers: Covers Southaven drivers with DUIs or no prior insurance.
- Quick Coverage Start: Immediate policies for Mississippi residents.
Cons
- Fewer Discounts: Limited savings for Southaven drivers.
- Mixed Claims Support: Average reviews for customer service in Mississippi.
#9 – Nationwide: Best for Bundling Options
Pros
- Multi-Policy Savings: Southaven drivers can save by bundling auto and home insurance.
- Vanishing Deductible: Lower deductibles for safe drivers in Mississippi.
- Dependable Support: 24/7 claims service for Southaven residents. Consult our Nationwide auto insurance review to learn more.
Cons
- Mid-Tier Pricing: Costs are not the lowest for Southaven drivers.
- Limited Options for High-Risk Drivers: Fewer policies for high-risk profiles in Mississippi.
#10 – Auto-Owners: Best for Personalized Service
Pros
- Local Agents: Strong relationships with Southaven insurance professionals.
- Affordable Rates: Low premiums for Mississippi drivers. Dive into our Auto-Owners auto insurance review for more insights.
- High Customer Satisfaction: Praised for quick claims handling in Southaven.
Cons
- Small Network: Limited presence outside Mississippi.
- Few Discount Options: Less savings flexibility for Southaven customers.
Southaven, MS Auto Insurance Monthly Rates by Provider & Coverage Level
Your area has several affordable auto insurance options, such as State Farm, Progressive, and Allstate, conveniently located near Southaven, MS.
Southaven, MS Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $140 |
| $38 | $100 |
| $33 | $88 |
| $29 | $76 |
| $42 | $112 |
| $34 | $95 |
| $28 | $78 |
| $37 | $99 |
| $30 | $85 |
| $45 | $120 |
Learn about the types of auto insurance coverage they offer to find the best fit for your needs.
Auto Insurance Discounts From the Top Providers in Southaven, MS
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy Discount, New Car Discount, Smart Student Discount, Safe Driving Bonus |
| Steer into Savings Discount, Good Student Discount, Loyalty Discount, Safe Driver Discount |
| Good Student Discount, Multi-Policy Discount, Safe Driving Discount, Homeowner Discount |
| Safe Driver Discount, Multi-Car Discount, Student Discount, Homeowner Discount |
| Good Student Discount, Bundling Discount, Signal by Farmers Discount, Homeowner Discount |
| Military Discount, Good Driver Discount, Multi-Policy Discount, Emergency Deployment Discount |
| Accident-Free Discount, Family Plan Discount, SmartRide Discount, Multi-Policy Discount |
| Snapshot Discount, Multi-Car Discount, Continuous Insurance Discount, Homeowner Discount |
| Multi-Policy Discount, Good Driver Discount, Student Discount, Safe Driving Discount |
| IntelliDrive Program Discount, Multi-Car Discount, Continuous Insurance Discount, Homeownership Discount |
Just remember that a lower price doesn’t always mean better service. Do your research, and make sure you’re getting your money’s worth from your provider.
Mississippi Minimum Auto Insurance Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Southaven, MS, auto insurance companies consider various factors when determining insurance prices, including gender, accident claims, type of vehicle owned, education, and current insurance coverage and limits.
Southaven, MS Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | Heavy traffic congestion |
| Weather-Related Risks | A | Frequent severe weather risks |
| Average Claim Size | B | Above-average claim amounts |
| Uninsured Drivers Rate | B | Moderate rate of uninsured |
| Vehicle Theft Rate | C | High vehicle theft risk |
Premiums also differ among Southaven, MS, and car insurance companies.
Major Factors in Cheap Car Insurance in Southaven, Mississippi
Various items factor into the Southaven, MS, car insurance quote you are given. While many specific factors aren’t something you can do something about, some are variables you can change for the better.
When selecting auto insurance, prioritize coverage that matches your specific needs—comprehensive and collision are ideal for full protection, while liability is sufficient for budget-conscious drivers meeting state minimum requirements.
Chris Abrams Licensed Insurance Agent
Here are a few factors that affect your car insurance premium and might help you secure more affordable Southaven, MS, auto insurance:
Your ZIP Code
Some of the cheapest car insurance is usually associated with urban centers with a lower population density. Since fewer cars are on the road, there are fewer chances of getting involved in a significant car accident with a different individual. The population of Southaven is 50,997, and the average family earnings are $55,910.
Automotive Accidents
Unfortunately for Southaven motorists, this city has a high rate of serious accidents per capita.
Southaven, MS Fatal Accidents
| Category | Count |
|---|---|
| Fatal crashes involving drunk persons | 1 |
| Pedestrians involved in fatal accidents | 1 |
| Fatal accident count | 5 |
| Fatalities | 5 |
| Persons involved in fatal crashes | 8 |
| Vehicles involved in fatal crashes | 8 |
However, this doesn’t have to raise your monthly premium if your provider offers a safe driver discount.
Auto Thefts in Southaven
Sometimes, automobile theft can still be problematic in modest cities or outlying towns. Consider a passive anti-theft system on your current motor vehicle to make it less of an issue.
Your actual auto insurance company could reward you with reduced prices! In Southaven, there were 155 auto thefts as recently as 2006. If you don’t want to worry about your vehicle getting stolen, you’d better add Comprehensive coverage to your policy.
Your Credit Score
Your credit score is a significant—yet often overlooked—variable that influences your monthly premium.
Southaven, MS Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $110 | $140 | $190 |
 | $120 | $150 | $210 |
| $115 | $145 | $205 |
| $95 | $125 | $170 |
 | $125 | $155 | $215 |
| $100 | $135 | $180 |
 | $130 | $160 | $225 |
| $120 | $150 | $210 |
| $115 | $145 | $205 |
| $110 | $140 | $200 |
People with good credit are often rewarded with lower rates. For Southaven drivers, the chart below shows that this trend also applies to your area.
Your Age
Age, however, is a different story. Insurance companies believe that young drivers are a greater risk on the road – and the difference in monthly premiums reflects this philosophy.
Southaven, MS Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 34 Female | Age: 34 Male |
|---|---|---|---|---|
| $254 | $257 | $143 | $138 |
| $266 | $282 | $125 | $125 |
| $288 | $291 | $131 | $147 |
| $258 | $309 | $127 | $131 |
| $291 | $291 | $135 | $111 |
| $240 | $260 | $120 | $115 |
| $290 | $310 | $150 | $150 |
| $270 | $290 | $140 | $130 |
| $260 | $280 | $135 | $125 |
| $250 | $270 | $130 | $120 |
But qualifying for a Driver’s Ed or a Good student discount could help alleviate the burden.
Your Driving Record
Low-risk drivers tend to have blemish-free (or nearly perfect) driving records, so insurance companies charge them lower monthly rates.
Southaven, MS Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $110 | $130 | $150 | $180 |
| $120 | $140 | $160 | $190 |
| $115 | $135 | $155 | $185 |
| $95 | $115 | $135 | $160 |
| $125 | $145 | $165 | $200 |
| $100 | $120 | $140 | $170 |
| $130 | $150 | $170 | $210 |
| $120 | $140 | $160 | $190 |
| $115 | $135 | $155 | $185 |
| $110 | $130 | $150 | $180 |
If your record is imperfect, ask your insurance agent about “accident forgiveness” discounts to see if you can save money. However, your Southaven, MS, auto insurance rates might increase significantly for more serious violations, or your provider may refuse to cover you altogether.
Your Vehicle
Generally speaking, the biggest factor auto insurance companies care about is how much it will cost them to replace your car in the event of a serious accident.
Southaven, MS Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 BMW 3 Series | $120 | $280 |
| 2024 Chevrolet Silverado | $115 | $250 |
| 2024 Ford F-150 | $105 | $240 |
| 2024 Honda Accord | $95 | $230 |
| 2024 Hyundai Elantra | $85 | $200 |
| 2024 Jeep Grand Cherokee | $130 | $300 |
| 2024 Mercedes-Benz C-Class | $150 | $350 |
| 2024 Nissan Altima | $100 | $220 |
| 2024 Subaru Outback | $90 | $210 |
| 2024 Toyota Camry | $110 | $230 |
Because luxury vehicles, such as porches, are much more expensive than regular sedans, the chart below shows that monthly premiums for these automobiles are much higher.
Minor Factors in Cheap Auto Insurance in Southaven, Mississippi
In Mississippi, like in many other states, the factors below might also affect your monthly insurance payment, including the auto insurance coverage options you select and their associated limits.
Your Marital Status
For many years, drivers have been under the impression that their marital status can play a major factor in car insurance in Southaven, MS. In truth, it depends more on your insurance company than anything. However, married couples can save much money by bundling their insurance policies.
Your Gender
No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving.
That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.
Your Driving Distance to Work
Getting around in Southaven might be harder than in most other cities. Work commutes can last up to 22-27 minutes during the weekdays. Most motorists (85%) prefer to drive their automobile alone to get around, while an additional 5-13% will likely carpool.
A clean driving record not only helps you avoid accidents but can also secure significant discounts on your insurance premiums. For those with violations, asking your provider about accident forgiveness programs can help mitigate higher costs.
Jeffrey Manola Licensed Insurance Agent
Most people believe you’ll be charged more for your insurance rates if you drive more miles annually. While some companies might charge more, others don’t.
Southaven, MS Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 1,200 |
| Claims Per Year | 1,000 |
| Average Claim Size | $4,000 |
| Percentage of Uninsured Drivers | 15% |
| Vehicle Theft Rate | 50 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | Medium |
The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more monthly premiums.
Your Coverage and Deductibles
The amount and types of coverage you purchase for your vehicle will significantly influence your monthly premium. A bare-bones state minimum coverage policy will be much cheaper than a comprehensive, high-coverage plan.
You can alleviate your monthly costs by choosing a higher deductible or eliminating certain coverage options (such as towing or rental car coverage).
Your Guide to Affordable Auto Insurance in Southaven, MS
This article provides a comprehensive guide to finding the best auto insurance in Southaven, MS, highlighting top providers like State Farm, Progressive, and Allstate. It covers factors influencing insurance rates, such as age, driving record, and vehicle type while offering advice on discounts and coverage options.
The guide emphasizes comparing quotes to secure affordable rates, with State Farm standing out for tailored coverage and reliable claims service. Additional tips include bundling policies, maintaining good credit, and utilizing safe driver or accident forgiveness programs.
This article aims to help readers make informed decisions by comparing providers, coverage, and pricing. Get more details by checking our “Best Car Insurance in Mississippi.” You can find affordable car insurance in Southaven, Mississippi, by entering your ZIP code.
Frequently Asked Questions
What is the best auto insurance company in Southaven, MS?
State Farm, Progressive, and Allstate offer the best car insurance in Mississippi. They combine excellent service with reliable coverage options. For more details, see our “Comprehensive and Collision Coverage.”
How much does auto insurance cost in Southaven, MS?
Rates start as low as $30/month, making these providers some of the cheapest auto insurance in Mississippi for drivers in the area.
Why is State Farm considered the top pick for Southaven, MS, auto insurance?
State Farm is a Mississippi affordable car insurance leader, offering tailored coverage options and a strong claims process.
What factors affect auto insurance rates in Southaven, MS?
Southaven MS car insurance rates depend on age, driving record, and vehicle type. For in-depth information, look into our “Automobile Liability Coverage.”
Does Southaven, MS, require minimum auto insurance coverage?
Yes, Mississippi law requires liability insurance, and providers offer cheap auto insurance that meets these requirements. Enter your ZIP code and compare quotes to start saving on your auto insurance.
Are there discounts available for Southaven, MS, auto insurance?
Many companies provide discounts for cheap car insurance in Mississippi, including safe driving and bundling options.
How does driving record impact insurance rates in Southaven, MS?
A clean driving record helps secure the cheapest Mississippi car insurance, while violations may increase premiums. To expand your knowledge, refer to our “10-Minute Auto Insurance Buying Guide.”
What type of coverage should Southaven drivers consider?
Comprehensive and collision options and liability coverage are ideal for securing cheap auto insurance in Mississippi without sacrificing protection.
Can high-risk drivers find affordable insurance in Southaven, MS?
Yes, companies like Progressive specialize in cheap auto insurance in Mississippi for high-risk drivers.
Is bundling insurance policies beneficial in Southaven, MS?
Bundling policies can lead to cheap Mississippi car insurance companies offering significant savings. Discover everything in our “Ultimate Road Safety Guide” to learn more.
Do Southaven insurance rates vary by ZIP code?
How can I get the cheapest auto insurance in Southaven, MS?
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