120+ more*Quotes generated for Insurify users in and around Hattiesburg, Mississippi within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hattiesburg, Mississippi within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Drivers in Hattiesburg, Mississippi, pay an average of $76 per month for state-minimum coverage and $153 for full coverage. Those rates are in line with the average car insurance costs in Mississippi of $89 per month for liability-only insurance and $186 for full coverage.
Hattiesburg is the fourth-largest city in Mississippi by population, with about 49,000 residents across its 53 square miles.[1] Coverage is cheaper, on average, in Hattiesburg than it is in Jackson, a city about 90 miles away with a higher population density.
But car insurance is a bit more expensive in Hattiesburg than in cities like Columbus and Tupelo, which both have smaller overall populations.
Liability quotes start at $38/mo.
Mississippi law requires all drivers to carry a car insurance policy that meets the state's minimum coverage requirements. Drivers must have at least $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability insurance per accident, and $25,000 in property damage liability insurance per accident.[2]
On average, Hattiesburg drivers pay a monthly average of $76 for state-minimum liability policies. That rate is about half the average rate for full-coverage insurance.
In Hattiesburg, the cheapest insurer for liability insurance is State Farm, with an average monthly premium of $38.
The table below shows the cheapest average quotes for liability insurance in Hattiesburg.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| USAA | $39 |
| Progressive | $45 |
| Bristol West | $56 |
| Direct Auto | $57 |
| National General | $57 |
| Allstate | $59 |
| GEICO | $66 |
| The General | $73 |
| Travelers | $74 |
| Trexis One | $75 |
| Safeco | $77 |
| First Acceptance | $78 |
| Mendota | $78 |
| GAINSCO | $81 |
| Root | $83 |
| Shelter | $95 |
| Liberty Mutual | $118 |
| Dairyland | $123 |
| Hugo | $123 |
Full-coverage insurance policies, which typically include collision coverage and comprehensive insurance, cost an average of $153 per month in Hattiesburg. This is close to Mississippi’s state average.
The cheapest insurance company for full-coverage insurance is State Farm, with an average rate of $73 per month.
Although full-coverage insurance is significantly more expensive than liability-only policies, it can be worth the added expense. Hattiesburg faces severe weather and climate risks, with moderate flooding, fire, and wind risks, as well as severe heat risks, according to First Street.[3] Flood risks are particularly high near the Leaf River and its tributaries.[4]
If heavy storms and flooding damage your vehicle, you’ll have to pay for the repairs on your own, unless you have a full-coverage insurance policy.
The table below shows the cheapest full-coverage insurance quotes for Hattiesburg drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| USAA | $74 |
| National General | $98 |
| Progressive | $106 |
| Allstate | $109 |
| Safeco | $110 |
| Direct Auto | $112 |
| Root | $126 |
| GEICO | $128 |
| Travelers | $142 |
| Bristol West | $143 |
| Mendota | $178 |
| Shelter | $183 |
| Trexis One | $185 |
| Liberty Mutual | $193 |
| First Acceptance | $200 |
| GAINSCO | $201 |
| The General | $277 |
| Dairyland | $307 |
Rates in Hattiesburg are very close to the state average. Compared to major cities in Mississippi, Hattiesburg car insurance rates are relatively low.
Jackson is Mississippi’s largest city based on population, and drivers there tend to pay significantly higher rates for coverage. On average, Jackson drivers pay $128 per month for car insurance. The higher rate is unsurprising, since Jackson has a higher population density than Hattiesburg and ranks among the worst 100 cities for motor vehicle theft by volume, according to Insurify data.
The cheapest city for car insurance in Mississippi is Columbus, where drivers pay an average of $98 per month. Columbus is a little less than 200 miles north of Hattiesburg and has about half of Hattiesburg’s population. Plus, Columbus has a much lower property crime rate than the rest of Mississippi.
The table below shows the overall average rates for different cities in Mississippi.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Hattiesburg, Mississippi within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hattiesburg, Mississippi within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Mississippi is an at-fault, or tort, state, so the driver responsible for causing the accident is financially responsible for the damages or injuries they cause.[5]
Your driving record affects your rates, so a history of accidents or tickets will typically increase premiums.
Here are the cheapest insurance companies in Hattiesburg for different driving incidents:
Cheapest car insurance for Hattiesburg drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Hattiesburg: State Farm
Cheapest car insurance for Hattiesburg drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Hattiesburg: State Farm
In Hattiesburg, about 5% of drivers have speeding tickets on their driving records, 4% have at-fault accidents, and 1% have a conviction for driving under the influence (DUI), according to Insurify data.
Between 2019 and 2023, 26 of the 235 fatal and serious injury crashes in Hattiesburg involved a driver under the influence, according to the city’s Safety Action Plan.[6] Drivers with a DUI may need to meet an SR-22 insurance requirement for three years.
The table below shows the average rates for Hattiesburg drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $115 |
| Speeding ticket | $140 |
| At-fault accident | $152 |
| DUI | $144 |
Nearly 18,000 crashes occurred on Hattiesburg’s roadway network between 2019 and 2023. The city aims to reduce severe crashes by 50% by 2032, planning to use infrastructure design and traffic enforcement to achieve that goal.
The city has launched several projects to address road issues.
In 2026, the city began infrastructure and drainage improvements in the Unified and Irene Chapel neighborhoods, in part to make the roads less dangerous during storms. While construction is underway, you may face delays and detours near Magnolia Avenue near Cherry Street, Cedar Street, and William Carey Parkway.[7]
The city also launched a major infrastructure and drainage improvement plan in the area of West 7th Street, Grace Avenue, and North 25th Avenue. The project aims to reduce the risk of flash flooding and flood-related traffic issues.[8] While this project will have long-term benefits, drivers will likely face delays until it’s complete.
Mississippi also has the highest percentage of uninsured drivers in the U.S., at 28%, according to the Insurance Research Council.[9] With such a high rate of uninsured drivers, adding uninsured motorist coverage to your policy can be a smart investment.
Hattiesburg drivers tend to have shorter commutes than drivers in other parts of Mississippi. On average, Hattiesburg drivers spend 17 minutes commuting to work, which is lower than the state average of 26 minutes, according to the U.S. Census Bureau. Spending less time in the car may help you earn lower rates in Hattiesburg.
Hattiesburg is home to two universities: the University of Southern Mississippi and William Carey University. Traffic is higher during the academic year, especially when football fans pour into Hattiesburg to watch the University of Southern Mississippi Golden Eagles. On game days, the city closes Championship Drive from Highway 49 prior to kickoff.
October is the worst month for fatal and serious accidents in Hattiesburg, and more crashes occur on Fridays and Saturdays than on other days of the week. The worst roadways for serious accidents include Interstate 59 Northbound/U.S. Route 98 Westbound and I-59 Southbound/U.S. Route 98 Eastbound, according to the Hattiesburg Safety Action Plan.
Starting in July 2027, Mississippi teens will have to complete 30 hours of classroom instruction and six hours behind the wheel under the supervision of a certified instructor.
In Hattiesburg, students can complete the required courses at Hattiesburg High or use the Mississippi Department of Public Safety’s website to find approved courses in Hattiesburg and Forrest County.[10]
In Hattiesburg, the cheapest insurance company for teen drivers is State Farm, with an average monthly premium of $73 for liability coverage.
The table below shows the cheapest insurance rates for teens in Hattiesburg.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| State Farm | $73 |
| Progressive | $81 |
| Bristol West | $98 |
| Allstate | $107 |
| Direct Auto | $110 |
| National General | $112 |
| GEICO | $118 |
| Root | $124 |
| The General | $131 |
| Trexis One | $135 |
| GAINSCO | $140 |
| First Acceptance | $141 |
| Mendota | $141 |
| Travelers | $152 |
| Safeco | $156 |
| Shelter | $186 |
| Liberty Mutual | $205 |
| Dairyland | $210 |
| Hugo | $222 |
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Hattiesburg has a relatively low percentage of seniors. Just 13% of its population is 65 or older, according to the U.S. Census Bureau.
Senior drivers in Hattiesburg pay an average of $136 per month for full coverage and $67 for liability-only policies.
Seniors in Hattiesburg and other parts of Mississippi can qualify for a discount on their insurance by completing an approved driving course.[11]
The table below shows the cheapest rates for senior drivers in Hattiesburg.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $30 |
| USAA | $32 |
| Progressive | $40 |
| National General | $45 |
| Direct Auto | $47 |
| Bristol West | $47 |
| Allstate | $52 |
| GEICO | $53 |
| Travelers | $60 |
| The General | $63 |
| Trexis One | $67 |
| Safeco | $68 |
| First Acceptance | $69 |
| Mendota | $69 |
| Shelter | $69 |
| GAINSCO | $70 |
| Root | $77 |
| Liberty Mutual | $99 |
| Dairyland | $105 |
| Hugo | $109 |
The following information can help you find the right coverage and the best car insurance rates in Hattiesburg.
The cheapest car insurance company in Hattiesburg is State Farm, at an average of $38 per month. For full-coverage policies, the cheapest auto insurer is State Farm. Drivers pay an average of $73 with the company.
The overall average car insurance premium in Hattiesburg is $115, which is similar to Mississippi’s state average. By coverage level, Hattiesburg drivers pay $76 per month for liability coverage and $153 for full coverage.
All drivers in Hattiesburg must have liability coverage that meets the state coverage requirements. Mississippi requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage per accident.
You can find discounts by talking to your car insurance agent or contacting your insurer’s customer service department. In Hattiesburg, common insurance discounts include senior driver education course discounts, multi-policy discounts for bundling your policy with home insurance or renters insurance, and good student discounts.
In Hattiesburg, factors like your credit-based insurance score, age, driving history, vehicle, coverage limits, deductible, and ZIP code can affect your vehicle insurance rates. Whether you add comprehensive coverage or optional protections like roadside assistance or rental reimbursement to your policy can also affect premiums.
Insurify data scientists analyzed more than 250 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 500+ 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:
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
