120+ more*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on October 29, 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 October 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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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.
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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.
Updated
Southaven car insurance costs an average of $83 per month for liability-only coverage and $154 per month for full coverage. Southaven’s rates are higher than the average cost of car insurance in Mississippi.
Southaven is a densely populated suburban area south of Memphis and has high rates of motor vehicle theft, which increases the cost of coverage. A smaller town like Oxford has fewer auto thefts and rates closer to the Mississippi average.
Check rates from different insurers and save money in minutes
Liability-only car insurance costs an average of $83 per month in Southaven, which is nearly half the average price of a full-coverage policy.
Mississippi drivers must meet minimum car insurance requirements. The state requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[1]
Below, you’ll find which auto insurance companies offer the cheapest liability coverage in Southaven.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| USAA | $41 |
| Progressive | $47 |
| Bristol West | $58 |
| Direct Auto | $59 |
| National General | $59 |
| Allstate | $61 |
| GEICO | $68 |
| The General | $75 |
| Travelers | $77 |
| Trexis One | $78 |
| Safeco | $79 |
| First Acceptance | $81 |
| Mendota | $81 |
| GAINSCO | $84 |
| Root | $85 |
| Shelter | $98 |
| Liberty Mutual | $122 |
| Dairyland | $128 |
| Hugo | $128 |
Full-coverage car insurance in Southaven costs an average of $154 per month.
Vehicle theft is common in the Memphis area, so you may want to consider a full-coverage car insurance policy that includes comprehensive coverage. Comprehensive coverage helps pay to repair or replace your car after weather damage, vandalism, or theft.
Full coverage also typically includes collision coverage to help pay for repairs if you hit something other than a moving vehicle. Full coverage is usually more expensive than liability insurance. But increasing your deductibles can help keep your rates affordable. Just make sure you can afford the extra out-of-pocket expenses if you file a claim.
Here are the companies that offer the cheapest full-coverage car insurance in Southaven.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| USAA | $77 |
| National General | $102 |
| Progressive | $110 |
| Allstate | $113 |
| Safeco | $114 |
| Direct Auto | $116 |
| Root | $130 |
| GEICO | $132 |
| Travelers | $147 |
| Bristol West | $148 |
| Mendota | $185 |
| Shelter | $190 |
| Trexis One | $191 |
| Liberty Mutual | $199 |
| First Acceptance | $207 |
| GAINSCO | $208 |
| The General | $286 |
| Dairyland | $317 |
Southaven is one of the more expensive cities to buy car insurance in Mississippi. Auto insurance is most expensive in Jackson, the state’s largest city.
Mississippi has a high rate of uninsured drivers, as well as high rates of fatal crashes. Both trends typically increase car insurance rates.[2] [3]
Southaven’s median income is nearly 40% higher than the state’s overall average.[4] Higher-income households tend to insure higher-value cars, which cost more to insure. But smaller towns, like Tupelo, with lower density and average median incomes, have cheaper insurance.
The table below shows Mississippi car insurance rates by city.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on October 29, 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 October 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects your car insurance rates. While a clean record will usually mean lower premiums, tickets and prior incidents flag you as high risk and increase your costs.
The list below shows the cheapest insurers for different driving records in Southaven:
Cheapest car insurance for Southaven drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Southaven: State Farm
Cheapest car insurance for Southaven drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Southaven: State Farm
At-fault accidents, driving under the influence (DUI) convictions, and speeding tickets usually increase your car insurance rates. Nearly 6% of Southaven drivers have a speeding ticket on their record — 35% more than the state average, according to Insurify data. Only 4% have a recent accident on their record, and fewer than 1% have a DUI.
Accidents and violations make it harder to find cheap car insurance in Southaven, especially if you need SR-22 insurance in Mississippi. If you have a less-than-perfect driving history, get free quotes from multiple car insurance companies to find the lowest rate.
The table below shows average car insurance rates in Southaven by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $119 |
| Speeding ticket | $146 |
| At-fault accident | $157 |
| DUI | $151 |
Because Southaven isn’t used to winter weather, icy roads caused problems for many drivers in January 2026. Southaven also has a minor flood risk, but increasing temperatures are causing heavier rainfall and more severe storms in Mississippi. Overall, flood risk is far higher on the state’s Gulf Coast.
Southaven records about 2,000 car accidents per year, according to the Southaven Police Department.[5] With a high rate of uninsured drivers across the Magnolia State, you might want to add uninsured motorist (UM) coverage to your policy.
If you commute on Getwell Road or the surrounding area, you’ll likely hit traffic during SpringFest in April and during events at the BankPlus Amphitheater. Event parking is free, though you can buy a premium pass for the amphitheater for easier access.
Southaven drivers spend an average of 24 minutes commuting to work, which is slightly less than the state average. Traffic congestion is heaviest on Interstate 55, I-69, and on Goodman Road. Church Road is another high-traffic area, along with U.S. Route 78 by Olive Branch.
DeSoto County is among the Mississippi municipalities that have recently invested additional state funds for impaired-driving enforcement. The sheriff’s department prides itself on encouraging residents to drive sober or risk penalties.
Compare quotes from Southaven’s top insurers
Southaven is a young city, with over one-quarter of its population younger than age 18. Younger drivers typically pay more for car insurance. The cheapest car insurance for teen drivers in Southaven is State Farm, with an average liability rate of $77 per month.
To keep rates reasonable, the Mississippi Insurance Department advises parents to add their new driver to their existing policy instead of buying a separate one, and to look for good student discounts. You can usually get a multi-car discount if your teen drives their own vehicle.
The table below shows the companies offering the cheapest car insurance rates for teens in Southaven.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $74 |
| State Farm | $77 |
| Progressive | $86 |
| Bristol West | $102 |
| Allstate | $111 |
| Direct Auto | $114 |
| National General | $116 |
| GEICO | $123 |
| Root | $128 |
| The General | $135 |
| Trexis One | $142 |
| GAINSCO | $146 |
| First Acceptance | $148 |
| Mendota | $148 |
| Travelers | $158 |
| Safeco | $161 |
| Shelter | $193 |
| Liberty Mutual | $212 |
| Dairyland | $219 |
| Hugo | $233 |
With an affordable cost of living and a variety of shopping and dining options, Southaven touts itself as an ideal place to retire. Southaven senior drivers typically pay the lowest rates of any age group, at $105 per month, on average.
This table shows which car insurance companies offer the most affordable liability auto insurance for Southaven drivers in their 60s.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $34 |
| Progressive | $42 |
| National General | $47 |
| Direct Auto | $49 |
| Bristol West | $49 |
| Allstate | $54 |
| GEICO | $55 |
| Travelers | $62 |
| The General | $64 |
| Trexis One | $69 |
| Safeco | $70 |
| Shelter | $71 |
| First Acceptance | $72 |
| Mendota | $72 |
| GAINSCO | $73 |
| Root | $79 |
| Liberty Mutual | $102 |
| Dairyland | $109 |
| Hugo | $113 |
Below, you can find answers to common questions about auto insurance costs in Southaven, Mississippi.
Southaven drivers must have a minimum of $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage. State Farm, USAA, and Progressive offer some of the cheapest minimum liability coverage in the city.
The average cost of car insurance in Southaven is $119 per month. Liability-only coverage costs an average of $83 per month, and full coverage averages $154. Comparing quotes for different insurers can help you find the lowest price for your coverage.
Southaven, Mississippi, has a high rate of drivers with speeding tickets, which can increase car insurance rates. Mississippi also has high rates of uninsured drivers and fatal crashes, which also drive up rates. Personal factors also affect your premiums, like your age, driving record, and ZIP code.
State Farm offers the cheapest car insurance in Southaven, at an average of $40 per month, according to Insurify data.
Most car insurance companies in Mississippi offer a variety of discounts. Common discounts include savings for safety features, bundling policies, maintaining good grades, and completing a defensive driving program. Ask your insurance agent which discounts you might qualify for.
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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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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.
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.
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.
