Cheapest Auto Insurance in Southaven, Mississippi (2026)

With liability rates of $48 per month, State Farm is the cheapest car insurance company in Southaven.

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Cheapest recent rates near Southaven, Mississippi

Drivers in and around Southaven, Mississippi have found policies from Dairyland, Trexis One, First Acceptance, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Anna Baluch
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Anna BaluchAuto and Home Insurance Writer
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Reviewed byJohn Leach
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Updated

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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 $144 per month for car insurance — slightly more than the Mississippi state average of $135.

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 $191 per month for full-coverage insurance and $97 per month for liability-only coverage.

  • State Farm, USAA, and Progressive offer the cheapest car insurance in Southaven.

  • For assistance with car insurance in Southaven, you can call the toll-free Mississippi Insurance Department Consumer Help Line at 1 (800) 562-2957.

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
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
State Farm9.3$87$44Young drivers
USAA9.1$89$45Military members and veterans
Allstate8.9$141$73Discounts
Disclaimer: Table data sourced from real-time Southaven car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Southaven may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for young drivers: State Farm

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$48/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.
$91/mo
4.0
Best choiceBased on 17,962 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 18 Mississippi reviews for Southaven driversSee all 7,527 State Farm reviews
Al
Verified Review
Not cheap.
Good, but rates could be better.
Louis
Verified Review
My State Farm Agency
I believe that my current car insurance is, so far, the best.
Sid
Verified Review
Great Claim Service
Great service through my agent!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • Discounts available for teens and young drivers

  • Rental car and travel expenses coverage available

Cons
  • Gap insurance not available

  • Fewer available discounts than some competitors

Best insurer for military members and veterans: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$49/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.
$95/mo
4.9
Best choiceBased on 3,607 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best For
Members of the military community
Outstanding customer service
Competitive rates
Showing 5 Mississippi reviews for Southaven driversSee all 1,571 USAA reviews
James
Verified Review
Receptionist is sweet but your policy needs improvement
The lady I talked to was very knowledgeable, patient, and professional in every way. The only problem I have with all insurance companies is that I can’t drop comprehensive insurance without dropping collision. It seems like a tactic by insurance companies to take more money from people who don’t need comprehensive coverage. I’ve lived in my house for 20 years, and the chances of my car getting stolen are really slim. There are no trees close enough to fall on and destroy my car. I live in the city and seldom drive at night, so my chances of hitting a deer are very slim. My car is completely paid for and not financed, so why can’t I drop comprehensive coverage? I don’t need it and haven’t for a long time!
Malissia
Verified Review
Stay away from USAA
Rates keep increasing.
Lana
Verified Review
Claims process details are good
Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Southaven is home to more than 3,400 veterans, according to a 20172021 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

Best insurer for discounts: Allstate

User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
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.
$78/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.
$150/mo
3.8
A solid optionBased on 10,668 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.83.2
Customer service3.83.6
Discounts3.82.9
Policy transparency3.73.1
Value3.32.9
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

Best For
Accident forgiveness
Wide availability
Cheap rates
Showing recent national reviewsSee all 4,437 Allstate reviews
Johnny
Verified Review
Still looking for good, affordable auto insurance and $$$ from GasBuddy lol
Esurance is an Allstate product. It's the most inexpensive one I could find. I had one claim for vandalism three years back with a dented fender that was a bit of a "cluster," but I finally got a check for a portion of the repair fees. My sketchy and budget-rate renters insurance (MSI) surprised me, and I got a nice reimbursement for a break-in of my car (homeless dude) where a bunch of stuff was stolen and the interior was messed up. I appreciated that and got my car put back in shape. I carry a high-ish deductible ($250), so my new windshield replacement (from vandalism) was not covered ($212).
Keith
Verified Review
ALLSTATE Semi-Annual Review
I am getting a rate increase, yet I have not had any claims or issues with my coverage. Also, I am very dissatisfied with paying a $5.00 fee because I choose not to use automatic electronic payment. While it is said that it is a service to me, it is more a service for ALLSTATE. But either way you sell it, it is a charge to the customer, unfair.
Eddie
Verified Review
Nice insurance
Allstate is a little more expensive, but the customer service and claims experience are excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

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

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

Liability rates start at $48 per month

Excellent
4.7 out of 5 based on 14,312 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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 $48 per month. 

The table below shows average quotes for liability-only policies from reputable insurance companies in Southaven.

The below rates in Southaven, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$48
USAA$49
Progressive$66
National General$71
Bristol West$74
Direct Auto$76
Allstate$78
Nationwide$82
GEICO$83
The General$90
Safeco$93
Travelers$96
Trexis One$96
Mendota$97
First Acceptance$101
Root$104
GAINSCO$106
Shelter$121
Liberty Mutual$157
Dairyland$158
Disclaimer: Table data sourced from real-time Southaven car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Southaven 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 $91 per month.

Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Southaven.

The below rates in Southaven, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$91
USAA$95
National General$120
Safeco$141
Direct Auto$144
Progressive$149
Allstate$150
Nationwide$156
Root$157
GEICO$158
Travelers$181
Bristol West$185
Mendota$215
Shelter$232
Trexis One$239
First Acceptance$244
Liberty Mutual$246
GAINSCO$262
The General$323
Dairyland$365
Disclaimer: Table data sourced from real-time Southaven car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Southaven may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Southaven, Mississippi drivers

Recent Southaven, Mississippi car insurance prices for Chrysler, Subaru, Toyota, and more.

*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage may kick in after your car sustains damage in non-collision events, like fire, theft, and vandalism.

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

    illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

    illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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

If your driving record contains incidents — like at-fault accidents, speeding tickets, and driving under the influence (DUI) — insurers will consider you to be a higher-risk driver and charge higher car insurance rates as a result. This is why Southaven drivers with clean records usually pay cheaper rates.

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 in Southaven, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
State Farm$48$60$63$64
USAA$49$62$65$66
Progressive$66$79$84$82
National General$71$87$93$95
Bristol West$74$91$96$99
Direct Auto$76$93$102$102
Allstate$78$99$103$105
Nationwide$82$104$109$110
GEICO$83$106$107$110
Trexis One$96$115$122$119
Mendota$97$116$124$121
The General$90$118$122$116
Safeco$93$120$127$133
First Acceptance$101$121$129$126
Travelers$96$122$127$129
GAINSCO$106$124$134$142
Root$104$136$138$141
Shelter$121$157$162$164
Dairyland$158$192$206$212
Liberty Mutual$157$196$205$211
Disclaimer: Table data sourced from real-time Southaven car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Southaven 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Teens$429
20s$238
30s$172
40s$153
50s$130
60s$123
70s$139
Disclaimer: Table data is based on real-time Southaven quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Shop for Car Insurance in Southaven, MS

Check quotes from 120+ top insurance companies

Excellent
4.7 out of 5 based on 14,312 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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

Category
Price
Excellent$142
Good$168
Fair$185
Poor$279

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 $191 per month for full coverage and $97 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 $48 per month. Southaven drivers can also find affordable coverage with the city’s second- and third-cheapest insurance companies, USAA, and Progressive, which have liability rates starting at $49 and $66, 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 9 out of 10, State Farm is one of the best car insurance companies in Southaven.

    Other top insurers to consider include Allstate and USAA.

Sources

  1. Mississippi Crime Statistics. "Property Crimes 2022."
  2. U.S. Census Bureau. "Southaven City, Mississippi."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Mississippi Insurance Department. "Auto Insurance."
  5. Insurance Information Institute. "Background on: Older drivers."

Methodology

Insurify data scientists analyzed more than 190 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:

  • 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
Written byAnna BaluchAuto and Home Insurance Writer
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Anna BaluchAuto and Home Insurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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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John Leach
Reviewed byJohn LeachLicensed P&C Agent, Chief Copy Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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