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Cheapest recent rates near Tupelo, Mississippi
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $70/mo for full coverage in Tupelo and other Mississippi cities.
*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $72 per month for liability insurance and $177 per month for full coverage — slightly less than the average rates in Mississippi of $74 and $198 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 Safeco have the cheapest car insurance in Tupelo.
Tupelo drivers pay a yearly average of $2,127 for full-coverage car insurance.
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.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$70
$36
Young drivers
USAA
4.5
$72
$37
Military families
Allstate
4.2
$114
$58
Personalized customer service
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo
Students in Tupelo attend a number of schools, such as Tupelo High School, Ole Miss-Tupelo, and Itawamba Community College. They can find a variety of discounts through State Farm, like a good student discount, student away at school discount, and approved driver training course discount. These discounts can help teen drivers and State Farm customers score an affordable rate on an auto insurance policy in Tupelo.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$34/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$68/mo
Veterans make up 5.8% of Tupelo’s population, according to U.S. Census Bureau data. USAA offers the best insurance rates for veterans, active-duty military members, and qualifying family members in the area. People affiliated with the United States Army, Navy, Air Force, Marines, and Coast Guard should consider USAA.
Pros
SafePilot program can save drivers up to 30%
Multiple discounts
Cons
Only available to members of the military community
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo
Allstate serves Tupelo residents with low rates and personalized customer service at an agent’s office. A handful of local agents in the area can educate prospective policyholders on the various coverage levels and discounts available. Allstate is a solid choice if you’d like an insurer with a focus on long-term relationships.
Pros
Great service through local car insurance agents
AM Best financial strength rating of A (Excellent)
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Milewise, the company’s pay-per-mile program, isn’t available in Mississippi
I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.
James - April 23, 2024
Verified
Recommend Allstate
Other than continually raising my rate, I consider them very good.
James - April 22, 2024
Verified
Good
Very good but expensive.
…
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.
Find Cheap Car Insurance in Tupelo
Liability rates start at $33 per month
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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 $72 per month.
The table below shows the insurance companies offering the lowest rates for liability coverage in Tupelo.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
33
USAA
34
Safeco
53
Allstate
54
GAINSCO
54
Progressive
55
GEICO
56
Nationwide
56
National General
61
Travelers
65
Shelter
83
Clearcover
86
Direct Auto
88
Liberty Mutual
88
Foremost
92
Dairyland
97
Midvale Home & Auto
97
Bristol West
106
The General
126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $177 for full coverage.
Here’s a look at the most affordable auto insurers in the city for full-coverage insurance.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
66
USAA
68
Safeco
105
Allstate
107
Progressive
108
GEICO
113
Nationwide
116
Travelers
120
Clearcover
144
National General
147
GAINSCO
153
State Auto
163
Shelter
166
Midvale Home & Auto
176
Liberty Mutual
179
Direct Auto
183
Bristol West
223
Foremost
229
The General
235
Dairyland
236
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
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:
Comprehensive coverage
Comprehensive insurance may apply after your vehicle sustains damage in non-collision events, such as theft or a natural disaster like fire.
Collision coverage
Collision insurance pays to repair or replace your vehicle if you’re involved in an accident with another driver or stationary object, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can protect you from hefty out-of-pocket expenses if a driver without car insurance or with insufficient coverage hits you.
Rental car reimbursement coverage
If you’re unable to drive your car because it’s in the auto repair shop after a covered car accident, rental car reimbursement can help pay for a rental vehicle.
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.
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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 $111 per month for Tupelo drivers with a speeding ticket, and full coverage costs $272 per month.
Here’s a look at the cheapest car insurance companies in Tupelo for drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
33
44
USAA
34
46
Safeco
53
77
Allstate
54
72
GAINSCO
54
71
Progressive
55
77
GEICO
56
75
Nationwide
56
76
National General
61
82
Travelers
65
89
Shelter
83
122
Clearcover
86
124
Direct Auto
88
122
Liberty Mutual
88
127
Dairyland
97
134
Bristol West
106
145
The General
126
175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $115 for minimum-coverage policies and $283 for full coverage.
Explore the cheapest monthly quotes for Tupelo drivers with an at-fault accident on their records in the table below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
33
46
USAA
34
48
Safeco
53
82
Allstate
54
76
GAINSCO
54
75
Progressive
55
81
GEICO
56
79
Nationwide
56
80
National General
61
88
Travelers
65
93
Shelter
83
128
Clearcover
86
144
Direct Auto
88
129
Liberty Mutual
88
133
Dairyland
97
140
Bristol West
106
150
The General
126
184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $130 per month for liability coverage. That price increases to $319 per month for full coverage.
Below, you’ll find the cheapest car insurance companies for Tupelo drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
33
55
USAA
34
57
Safeco
53
89
Allstate
54
90
GAINSCO
54
90
Progressive
55
92
GEICO
56
94
Nationwide
56
94
National General
61
102
Travelers
65
109
Shelter
83
131
Clearcover
86
144
Direct Auto
88
147
Liberty Mutual
88
147
Foremost
92
154
Dairyland
97
163
Bristol West
106
178
The General
126
211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $51 per month, on average, for minimum coverage and $126 for full coverage.
The insurers below offer the cheapest coverage for senior drivers in Tupelo.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
47
24
USAA
51
25
Progressive
72
37
Allstate
80
41
Nationwide
81
39
GEICO
83
41
Safeco
84
42
Travelers
88
48
National General
111
46
Shelter
112
56
GAINSCO
117
41
Clearcover
126
75
Direct Auto
131
63
Liberty Mutual
137
67
Bristol West
167
79
Dairyland
178
73
The General
179
96
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
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 $157 for liability coverage and $387 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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
USAA
126
63
State Farm
127
63
GEICO
202
100
Safeco
209
106
Allstate
210
106
Progressive
216
110
Nationwide
223
107
Travelers
241
131
Clearcover
287
171
GAINSCO
306
108
National General
310
128
Shelter
320
160
Liberty Mutual
339
167
Direct Auto
372
179
Bristol West
417
198
The General
425
228
Dairyland
432
178
Foremost
456
183
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 50-plus 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 $72 per month for liability coverage and $177 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 $33. USAA and Safeco also offer affordable coverage, with respective monthly liability rates of $34 and $53.
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 4.5 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 $74 per month for liability coverage and $198 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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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