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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Southaven is home to many attractions, such as Snowden Grove Park, the Southaven Towne Center, and the BankPlus Amphitheater. While it’s a great place to live, car owners in Southaven pay an overall average of $147 per month for car insurance — slightly more than the Mississippi state average of $133.
The city’s slightly higher rates could be due in part to the higher rate of motor vehicle theft in DeSoto County.[1] The good news is many Mississippi car insurance companies offer affordable auto insurance rates for people in Southaven. Comparing quotes from multiple insurers can help you find the policy that works best for you.
Quick Facts
Drivers in Southaven pay an average of $207 per month for full-coverage insurance and $87 per month for liability-only coverage.
State Farm, USAA, and Allstate offer the cheapest car insurance in Southaven.
3 of the cheapest car insurance companies in Southaven
As you shop around for an auto policy in Southaven, be sure to consider factors like your location, marital status, driving history, coverage options, and unique needs. It’s a good idea to compare quotes from multiple insurance companies to get an accurate view of the market’s offerings.
State Farm, USAA, and Allstate are three insurers you might want to explore, as they all offer affordable auto insurance coverage in Southaven.
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
$71
$35
Young drivers
USAA
4.5
$73
$36
Military members and veterans
Allstate
4.2
$116
$57
Discounts
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
4.4
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.
$40/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.
$79/mo
Many students in the Southaven area attend schools like Southaven High School and Northwest Mississippi Community College. State Farm offers a number of discounts for these students and young drivers, such as a defensive driving course discount and good student discount.
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.
4.3
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.
$41/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.
$81/mo
Southaven is home to more than 3,400 veterans, according to a 2017–2021 U.S. Census Bureau estimate.[2] Veterans and military members in the city can lock in cheap auto insurance rates with USAA.
The car insurance company focuses on the military community, offering Mississippi auto insurance as well as other financial solutions and insurance products, like renters insurance, motorcycle insurance, life insurance, and home insurance.
Pros
Offers a usage-based car insurance program
Rideshare coverage available
Cons
Must be affiliated with the military to become a member
Gap insurance not available
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
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.
$64/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.
$130/mo
Allstate offers a variety of discounts that can help drivers in every stage of life save money on a car insurance policy. Some discounts include a good student discount, anti-theft device discount, and new-car discount.
Pros
AM Best financial strength rating of A (Excellent)
Personalized customer service through local car insurance agents
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Pay-per-mile program Milewise not available in Mississippi
Our agent was always available for questions and concerns.
How to get the cheapest car insurance in Southaven
Fortunately, a number of large and small car insurance companies offer auto policies to Southaven drivers. Here’s how you can land the best deal on your car insurance coverage:[3]
Shop around. Be sure to use an online quote-comparison tool or consult independent agents to get quotes from at least three different car insurance companies. This way, you can zero in on the right coverage for your unique needs and financial situation.
Look for discounts. Many car insurance companies offer a variety of discounts to customers, such as a multi-car discount, loyalty discount, and safe driver discount. Take advantage of these discounts to score affordable lower rates.
Consider usage-based insurance. Usage-based, or pay-per-mile, insurance may reduce your car insurance costs, especially if you work from home, are retired, or only drive on occasion. Your monthly premiums will be based on the miles you drive.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can all raise your insurance premiums. Practice driving safely to keep your rates low.
Find Cheap Car Insurance in Southaven
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Cheapest liability-only car insurance in Southaven: State Farm
Mississippi law requires liability-only car insurance, which is the cheapest type of auto insurance coverage available. This coverage only pays for injuries or damage that you cause to another person in an accident; it won’t pay for your damages.
State Farm offers the most affordable liability-only policies in Southaven, at $40 per month.
The table below shows average quotes for liability-only policies from reputable insurance companies in Southaven.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
40
USAA
41
Allstate
64
GAINSCO
64
Safeco
64
Progressive
66
Nationwide
67
GEICO
68
State Auto
70
National General
75
Travelers
78
Dairyland
100
Shelter
101
Direct Auto
103
Clearcover
105
Liberty Mutual
107
Foremost
110
Midvale Home & Auto
113
Bristol West
130
The General
154
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 Southaven: State Farm
Full-coverage car insurance is typically a combination of three coverage types, including minimum liability coverage, collision coverage, and comprehensive coverage. It can offer additional protection and might be required if you have a lease or loan on your vehicle. Since full-coverage insurance provides more protection, it’s also more expensive than liability-only coverage.
Southaven drivers can find the cheapest full-coverage insurance from State Farm, with rates of $79 per month.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Southaven.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
79
USAA
81
Allstate
130
Progressive
131
Safeco
133
GEICO
137
Nationwide
142
Travelers
152
Clearcover
174
GAINSCO
187
National General
191
Dairyland
200
Shelter
201
State Auto
204
Direct Auto
209
Midvale Home & Auto
213
Liberty Mutual
215
Foremost
265
Bristol West
270
The General
286
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, meaning the at-fault driver must pay for the damages and medical expenses of the others, usually through their liability-only car insurance. Drivers in Southaven are required to show proof of insurance to avoid hefty fines and other consequences.
Here are the minimum car insurance requirements in Mississippi:[4]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
While liability insurance is the cheapest type of car insurance, you may want to invest in optional car insurance to protect you financially in different situations. Here are several policies you might want to explore for more protection as a driver in Southaven:
Comprehensive coverage
Comprehensive coverage may kick in after your car sustains damage in non-collision events, like fire, theft, and vandalism.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you’re involved in an accident with another driver or stationary object, no matter who caused it.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can save you from high out-of-pocket costs if you get hit by a driver without car insurance or with insufficient coverage.
Rental car reimbursement
If you can’t drive your vehicle because it’s in the shop being repaired after an accident, rental car reimbursement can cover the cost of a rental car.
Cheapest car insurance for drivers with an incident
Even if you have a poor driving record, it’s still possible to find affordable auto insurance coverage. This table shows how driving incidents can affect your car insurance rates in Southaven.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm
40
54
56
67
USAA
41
56
58
69
Allstate
64
87
90
107
GAINSCO
64
85
89
107
Safeco
64
95
99
107
Progressive
66
93
97
110
Nationwide
67
92
95
112
GEICO
68
93
96
114
National General
75
103
108
125
Travelers
78
108
111
130
Dairyland
100
140
144
167
Shelter
101
150
155
158
Direct Auto
103
145
151
172
Clearcover
105
154
174
176
Liberty Mutual
107
156
162
179
Bristol West
130
180
183
217
The General
154
216
224
258
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.
Average cost of car insurance by age
Compared to teens and young adults, senior drivers have a higher car accident mortality rate.[5] Average premiums tend to decrease at age 35 and pick back up around age 70 due to the physical and mental limitations seniors often face.
Here’s an overview of the cheapest car insurance quotes for Southaven residents by age.
Age
Average Monthly Quote
Teens
$429
20s
$238
30s
$172
40s
$153
50s
$130
60s
$123
70s
$139
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.
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Southaven car insurance quotes by credit tier
Like most states, Mississippi allows car insurers to look at credit when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them cheaper premiums.
A Southaven driver with excellent credit will pay an average of $142 per month, while someone with poor credit may have to settle for an average rate of $279 per month.
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.
Southaven car insurance FAQs
If you’re shopping for car insurance in Southaven, Mississippi, this additional information may help as you research your coverage options.
How much is car insurance in Southaven?
Car insurance in Southaven costs an average of $207 per month for full coverage and $87 per month for liability-only coverage, according to Insurify data.
Which insurer has the cheapest car insurance in Southaven?
State Farm offers the cheapest car insurance in Southaven, with liability rates as low as $40 per month. Southaven drivers can also find affordable coverage with the city’s second- and third-cheapest insurance companies, USAA, and Allstate, which have liability rates starting at $41 and $64, respectively.
What are the best car insurance companies in Southaven?
With an above-average J.D. Power customer satisfaction rating in the Southeast, an AM Best financial strength rating of A++ (Superior), and an Insurify Quality Score of 4.5 out of 5, State Farm is one of the best car insurance companies in Southaven.
Other top insurers to consider include Allstate and USAA.
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.