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Cheap Auto Insurance Quotes in Horn Lake, MS (January 2022)

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Last Updated: January 2022
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Car Insurance in Horn Lake, 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 Horn Lake, MS to find you the cheapest quotes in the area.
$82
$144
$152
$214
$221
State FarmTravelersProgressiveDirect AutoThe General

Cheapest Car Insurance in Horn Lake, MS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$165
$139
$179
$148
$176
$184
MississippiJacksonGulfportSouthavenHattiesburgHorn Lake
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Horn Lake, 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.

Find local Horn Lake agents

Will Patton - State Farm Insurance Agent
3500 Goodman Rd # C, Horn Lake, MS 38637
Stephanie Strohm - State Farm Insurance Agent
2485 Goodman Rd, Horn Lake, MS 38637
Will Patton - State Farm Insurance Agent
3500 Goodman Rd # C, Horn Lake, MS 38637
Steve Henderson: Allstate Insurance
1750 Goodman Rd W Ste 110, Horn Lake, MS 38637
Shelter Insurance - Tony Blackmon
6341 Highway 51 N, Ste 6, Horn Lake, MS 38637
Direct Auto Insurance
5842 Goodman Rd #5, Horn Lake, MS 38637

Insurify Insights: How Horn Lake Drivers Measure Up

hyundai
Hyundai Sonata
Most Popular Car in
Horn Lake, MS
suspended licenses
#1
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 Horn Lake 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 in Horn Lake

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. Horn Lake drivers rank 11 in the number of car accidents per driver across all cities in Mississippi.

  • Rank within state: #11
  • Percent of drivers in Horn Lake with an accident: 7.98%
  • Drivers in Horn Lake, MS with an accident in their driving history paid on average 28.26% more than drivers with a clean record

Speeding in Horn Lake

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Mississippi, Horn Lake drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Horn Lake with a speeding ticket: 12.25%
  • Drivers in Horn Lake, MS with a speeding ticket in their driving history paid on average 45.65% more than drivers with a clean record

DUI/DWIs in Horn Lake

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Horn Lake drivers rank 3 in the number of DUI’s per driver across all cities in Mississippi.

  • Rank within state: #3
  • Percent of drivers in Horn Lake with a DUI: 2.28%
  • Drivers in Horn Lake, MS with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Horn Lake

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Horn Lake is the Hyundai Sonata.

Hybrid/Electric Vehicle Ownership in Horn Lake

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Horn Lake drivers rank 9 in hybrid and electric vehicle ownership across all cities in Mississippi.

  • Rank within state: #9
  • Percent of drivers in Horn Lake with a hybrid/electric vehicle: 0.43%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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