Cheap Auto Insurance Quotes in Hattiesburg, MS (2021)

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Sitting at the intersection of several key railway lines, Hattiesburg lives up to its nickname as “The Hub City.” But while Hattiesburg might have originally earned this name as a place where several train lines pass through, it’s now home to two cars per household—meaning cars are the main way residents get around. That’s why it’s so important for drivers in Hattiesburg to find a car insurance policy that protects them and their cars.

Car Insurance in Hattiesburg, MS

The average cost of Mississippi car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hattiesburg, MS to find you the cheapest quotes in the area.

$67
$141
$150
$174
$232
State FarmTravelersProgressiveThe GeneralDirect Auto

Cheapest Car Insurance in Hattiesburg

Here are the cheapest carriers in Hattiesburg for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Hattiesburg, MS

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Hattiesburg. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$162
$139
$179
$148
$167
$176
MississippiJacksonGulfportSouthavenBiloxiHattiesburg

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Hattiesburg, MS Driving Facts

mississippi

Minimum Car Insurance Requirements in MS

The state of Mississippi requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Mississippi are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident 

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Mississippi state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

  • $25,000 property damage liability per accident

Property damage liabilitry coverage pays for any property that you damage in an accident. The state of Mississippi requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

Hattiesburg Car Insurance Rates by Driver Age

Similar to other cities across the United States, younger drivers face higher average premium rates compared to older drivers in Hattiesburg. Teenage drivers often pay around $344.95 a month for coverage, while the next age group only pays $216.59. The significant drop in cost is normally due to the decreased risk factors that insurance companies place on older drivers. This can be seen in the chart below, as the drivers with the most experience, the 70s and 80s, only pay on average $105.01 and $96.40, respectively.

Driving History
No Violation$183
Speeding Ticket$210
At-Fault Accident$150
Failure to Stop for Red Light / Stop Sign$262

Hattiesburg Car Insurance Rates by Driving and Accident History

Driving records and accident history are two factors that insurance companies in Hattiesburg use to determine the risk of insuring a driver. Typically, the fewer instances you have on your report, the lower the average premium will be. Motorists who have no violations can expect to have an average premium of $182.71. The type of violation on the record can also have a significant impact. For instance, a failure-to-stop violation can result in a spike to $261.25 on average.

Hattiesburg Car Insurance Rates by Credit Tier

Insurance companies throughout Hattiesburg rely on multiple factors to determine auto insurance rates. One of the most common ways to determine the risk of insuring a driver is their credit score. Motorists who score an excellent rating, prove to be reliable and responsible, so they are assigned low risk ratings. This can lead to average premiums of $144.92 for drivers in this category. As the credit score decreases, the average premium price increases.

Hattiesburg, MI DMV Information

The Hattiesburg DPS Driver’s License Office is located at 35 Tatum Industrial Dr., Hattiesburg, MS 39401, and open Monday through Friday from 8 a.m. to 5 p.m. Hattiesburg residents can call ahead to make an appointment at the office by calling 1 (601) 582-3814.

Public Transportation in Hattiesburg, MI

Hattiesburg’s Amtrak station is located at 308 Newman St. and can get riders from Hattiesburg all the way up the coast to New York City or Boston. But if you’re merely traveling within Hattiesburg, you’ll be able to rely on Hub City Transit, which offers daily routes throughout the town and even to some surrounding suburbs.

Conclusion: How to get the best and cheapest car insurance in Hattiesburg, MI

Hattiesburg’s crucial location in the south of Mississippi and its diverse economy keep the town’s roads busy. That’s why it’s so important for Hattiesburg drivers to choose a car insurance policy that keeps them and their vehicles safe. Insurify can do just that. Simply enter some basic information about your vehicle and driver history, and Insurify will present you with 10+ free quotes from a wide range of insurance providers.

Find local Hattiesburg agents

The Bradshaw Agency - Hattiesburg 
6218 US Hwy49, Hattiesburg, MS 39401
Keith & Lowrimore Insurance Agency, LLC 
5180 Old Highway 11, Ste 1, Hattiesburg, MS 39402
The James Agency, LLC 
1817 Broadway Drive, Hattiesburg, MS 39402
Assured Partners Gulf Coast 
6798 US HWY 98 W, HATTIESBURG, MS 39402
BancorpSouth Insurance Services - Hattiesburg 
228 Broadway Dr, Hattiesburg, MS 39401-5074
SouthGroup Insurance Services 
106 Madison Plaza, Suite B, Hattiesburg, MS 39402
HUB International Gulf South 
11 Woodstone Plaza Ste B, Hattiesburg, MS 39402
SouthGroup Insurance and Financial Services 
812 Hardy Street, Hattiesburg, MS 39401
Baylis Insurance Agency 
136 Westover Dr, Hattiesburg, MS 39402
Hunt Insurance Agency 
1910 Hardy Street, Hattiesburg, MS 39401-4917

Insurify Insights: How Hattiesburg Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Hattiesburg, MS
suspended licenses
#15
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hattiesburg drivers measure up to their fellow Mississippi motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Hattiesburg

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hattiesburg drivers rank 7 in the number of car accidents per driver across all cities in Mississippi.

  • Rank within state: #7
  • Percent of drivers in Hattiesburg with an accident: 9.2%
  • Drivers in Hattiesburg, MS with an accident in their driving history paid on average 25.71% more than drivers with a clean record

Speeding Hattiesburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Mississippi, Hattiesburg drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Hattiesburg with a speeding ticket: 11.64%
  • Drivers in Hattiesburg, MS with a speeding ticket in their driving history paid on average 23.43% more than drivers with a clean record

DUI/DWIs Hattiesburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hattiesburg drivers rank 7 in the number of DUI’s per driver across all cities in Mississippi.

  • Rank within state: #7
  • Percent of drivers in Hattiesburg with a DUI: 1.58%
  • Drivers in Hattiesburg, MS with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Hattiesburg

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hattiesburg is the Nissan Altima.

Rude Hattiesburg

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Mississippi, Hattiesburg drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Hattiesburg with a reckless driving violation: 1.72%
  • Drivers in Hattiesburg, MS with a reckless driving violation in their driving history paid on average 26.86% more than drivers with a clean record.

Safest Drivers Hattiesburg

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hattiesburg drivers rank 4 in clean driving records across all cities in Mississippi.

  • Rank within state: #4
  • Percent of drivers in Hattiesburg with clean record: 80.32%

Failure to Yield the Right of Way Hattiesburg

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hattiesburg drivers rank 4 in failure to yield violations per driver across all cities in Mississippi.

  • Rank within state: #4
  • Percent of drivers in Hattiesburg with a failure to yield violation: 0.14%
  • Drivers in Hattiesburg, MS with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Hattiesburg

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Mississippi, Hattiesburg drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Hattiesburg with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Hattiesburg

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hattiesburg drivers rank 11 in hybrid and electric vehicle ownership across all cities in Mississippi.

  • Rank within state: #11
  • Percent of drivers in Hattiesburg with a hybrid/electric vehicle: 0.4%

FAQs - Hattiesburg, MS Car Insurance

Do major insurance carriers have offices in Hattiesburg?

Nationwide, State Farm, and Allstate all have local offices in Hattiesburg. In addition to those industry giants, a few smaller regional insurance agencies are based in Hattiesburg, giving drivers plenty of options.

Will my credit score affect my car insurance rates in Hattiesburg?

Mississippi is one of many states that allow car insurance companies to factor in credit scores when determining your car insurance rates. In short, a low credit score may lead to higher car insurance rates for Hattiesburg drivers.

Who offers the cheapest car insurance in my area?

Many factors come into play when browsing car insurance policies. To help you figure out which carriers offer the cheapest policies, use Insurify to easily compare quotes from a wide range of companies.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.