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Cheap Auto Insurance Quotes in Tupelo, MS (January 2022)

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Last Updated: January 2022

Car Insurance in Tupelo, MS

Residents of Tupelo and other cities across Mississippi are required to have car insurance to stay legal on the road. Average car insurance rates in Mississippi are about the same as car insurance premiums across the nation, costing drivers about $216 per month. However, it’s possible to get cheaper car insurance rates if you make sure to get personalized quotes.

Complying with insurance laws doesn’t have to break the bank. Use Insurify to get accurate and cheap car insurance quotes from the best insurance providers in Tupelo, MS. You can compare quotes side-by-side and even toggle between coverage limits and deductibles until you find the best auto insurance coverage for you. The best part? It’s free and takes under five minutes!

Car insurance costs aren’t just determined by the coverage you choose. Factors like your age, your driving history, and even where you live will determine your car insurance premiums. The average cost of Mississippi car insurance will vary from city to city and even sometimes between neighborhoods. Here’s how Tupelo compares to the rest of the major cities in Mississippi.

$126
$178
$193
$212
$215
TravelersBristol WestDairylandMidvale Home & AutoThe General

Cheapest Car Insurance in Tupelo, MS

Car insurance rates will vary by the insurance provider because every insurance company weighs information such as your driving record and credit history a bit differently. While the following car insurance companies provide the cheapest rates on average, you should use Insurify to get free quotes and find coverage that matches your unique insurance needs.

Best Car Insurance in Tupelo, MS

While you don’t want to break the bank paying for car insurance, the cheapest insurance provider might not always be the best; you want an insurance company that is reliable and has good customer reviews. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Tupelo, so you can compare our results against your individual quotes for auto insurance coverage.

Average Car Insurance Cost

$170
$139
$179
$148
$176
$206
MississippiJacksonGulfportSouthavenHattiesburgTupelo
Click here to learn about car insurance quotes and save on your current policy.

Tupelo, 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.

Tupelo Car Insurance Rates by Driver Age

Your age is one of the first factors your insurance agent looks at when determining your rate. Teens and younger drivers tend to pay more because they are inexperienced and more likely to get into a car accident, while more mature and experienced drivers in their 50s and 60s see the cheapest rates. You can expect the following average rates for each age group in Mississippi.
Driving History
Clean Record$192
Speeding Ticket$246
At-Fault Accident$256
Failure to Stop for Red Light / Stop Sign$360

Tupelo Car Insurance Rates by Driving and Accident History

Insurance companies consider driving and accident history as an important factor in determining your insurance rates. For example, a driver with a DUI on their record or other traffic infractions such as speeding tickets or accidents are riskier to insure than a driver with a clean record. Here’s what drivers pay on average for car insurance Tupelo, Mississippi based on their driving history.

Tupelo Car Insurance Rates by Credit Tier

Most insurers use your credit score, which is based on information in your credit report, when determining your insurance rate. That’s because historically, drivers with lower credit scores account for a higher percentage of paid claims. Here’s what you can expect to pay for car insurance in Tupelo, Mississippi, based on your credit score

Tupelo, MS DMV Information

Tupelo’s small population doesn’t necessitate multiple DMV offices, and only one is located within the city limits. Open Monday through Friday from 8 a.m. to 5 p.m., the office lets drivers typically get in and out in a short period of time. Unlike other more rural areas of the nation, neighboring cities also have their own DMV offices to visit rather than having to travel to Tupelo. The Tupelo DMV is located at:

389 Coley Rd
Tupelo, MS 38801
(662) 844-2408

Public Transportation in Tupelo, MS

Getting around Tupelo without a vehicle is easier than you’d think, as the city recently redesigned its bus system to improve service and shorten waiting times. You can download an app to view routes and track buses in real time. Running errands or getting to and from work on foot isn’t very viable in Tupelo, so if you’d like some privacy, Uber or Lyft are smart choices.

Find local Tupelo agents

G-Force Insurance Team, LLC 
813 Varsity Dr. Ste. 1, Tupelo, MS 38801
BancorpSouth Insurance Services, Inc. - Tupelo 
201 West main St, Tupelo, MS 38804
Lawhon & Lawhon, LLC dba Lawhon & Company 
1238 W Main St, Tupelo, MS 38801-3436
Houston Minniece Insurance Agency 
499 Gloster Creek Vlg Ste I11, Tupelo, MS 38801-4710
Renasant Insurance, Inc. 
315 W Main St, Tupelo, MS 38801
Insurance Managers, Inc. 
P. O. Box 7126, Tupelo, MS 38802
Ross & Yerger - Tupelo 
P O Box 1668, Tupelo, MS 38802-1668
A Plus Insurance
1302 E Main St, Tupelo, MS 38804,
Direct Auto Insurance
2250 Main St, Tupelo, MS 38801
Insurance Managers Inc.
410 N Gloster St, Tupelo, MS 38804, 

Insurify Insights: How Tupelo Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Tupelo, MS
suspended licenses
#13
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 Tupelo 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 Tupelo

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. Tupelo drivers rank 14 in the number of car accidents per driver across all cities in Mississippi.

  • Rank within state: #14
  • Percent of drivers in Tupelo with an accident: 5.41%
  • Drivers in Tupelo, MS with an accident in their driving history paid on average 35.36% more than drivers with a clean record

Speeding in Tupelo

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Mississippi, Tupelo drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Tupelo with a speeding ticket: 11.4%
  • Drivers in Tupelo, MS with a speeding ticket in their driving history paid on average 12.71% more than drivers with a clean record

DUI/DWIs in Tupelo

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tupelo drivers rank 13 in the number of DUI’s per driver across all cities in Mississippi.

  • Rank within state: #13
  • Percent of drivers in Tupelo with a DUI: 1.14%
  • Drivers in Tupelo, MS with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Tupelo

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tupelo is the Nissan Altima.

How to get the best and cheapest car insurance in Tupelo, MS

The best and easiest way to get the cheapest car insurance products in Tupelo, MS is to compare customized car insurance quotes from multiple providers. Rather than getting quotes from individual insurance agencies or spending hours on the phone discussing insurance services, you can save time by using Insurify and get quotes in under five minutes.

Liability car insurance in Tupelo is required before you get behind the wheel, but that doesn’t mean you have to pay a fortune for coverage. Head over to Insurify to compare real-time quotes, discover an array of discounts, and enroll in a new policy today.


FAQs - Tupelo, MS Car Insurance

How do I find cheap car insurance in Tupelo, MS?

You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Tupelo. You’ll just need to enter your information once, which beats going to multiple providers’ websites for quotes. Another great way to save is bundling your home insurance and life insurance with your auto insurance policy.

How much does car insurance cost in Tupelo, MS?

Drivers here find that they tend to pay far less than the national average when it comes to auto coverage. Keep in mind that each person’s individual rate will be based on a number of factors including driving history, type of vehicle, and more.

What drives up car insurance rates in Tupelo, MS?

While Mississippi car insurance average costs are about the same as the national average, individual factors such as driving infractions, collisions, credit history, and more can drive up auto insurance rates. And if you choose to purchase full coverage insurance opposed to the required liability coverage, you’re likely to pay nearly double.

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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