Cheap Auto Insurance in Tupelo, MS (2024)

State Farm offers the cheapest car insurance in Tupelo, MS, with rates starting at $32 per month.

Cassie Sheets
Written byCassie Sheets
Cassie Sheets
Cassie SheetsContent Writer
  • 9 years writing data-driven content

  • Lifestyle contributor to 30+ local news sites

Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Updated February 1, 2024 at 11:00 AM PST

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Average car insurance rates in Mississippi are typically lower than car insurance premiums across the U.S., costing drivers an average of $126 per month compared to $155 nationwide.

State Farm provides the cheapest car insurance in Tupelo, with a cost of $32 per month for liability-only coverage.

Car insurance costs aren’t just determined by the coverage you choose. A variety of factors determine your premium, like your age, driving history, the place you live, and whether you bundle auto and homeowners insurance. 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 and what you need to know to find the right coverage at affordable rates.

Quick Facts
  • Liability-only car insurance costs an average of $71 per month in Tupelo, while full-coverage rates average $159.

  • Nearly 30% of Mississippi drivers are uninsured — the highest rate in the nation, according to Insurance Information Institute data. Across the U.S., 12.6% of drivers are uninsured.

  • Tupelo residents have an average commute time of 19 minutes, compared to 25 minutes statewide and 27 minutes nationwide, according to U.S. Census data. Drivers who commute less frequently or only drive short distances may be able to save with pay-per-mile auto insurance.

Cheapest liability-only car insurance in Tupelo

Like most states, Mississippi requires drivers to carry a minimum amount of liability coverage. Your liability insurance will cover damages to the other party’s vehicle and medical costs in an accident you cause.

State Farm provides the most affordable liability coverage, with a monthly rate of $32. The cheapest insurance policy for you will depend on unique factors, like your age, driving record, and credit history. Car insurance companies use these things to calculate your risk of filing a claim.

Comparing options with multiple companies and looking for an insurer that lists discounts on its website can help customers find the best rates.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm32
USAA33
Allstate53
Progressive54
Safeco54
Nationwide55
GAINSCO56
GEICO56
National General61
State Auto64
Travelers64
Dairyland70
Direct Auto81
Shelter83
Liberty Mutual85
Foremost87
Midvale Home & Auto91
Clearcover99
Bristol West107
The General126
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 Tupelo

Full-coverage car insurance provides greater financial protection than liability coverage alone. It typically includes liability, collision, and comprehensive coverages. As a result, full-coverage policies are more expensive than liability-only insurance.

Collision coverage pays to repair or replace your vehicle after an accident. Comprehensive insurance pays for damage from vandalism, theft, natural disasters, weather, fire, falling objects, and collisions with an animal.

Full coverage costs an average of $159 in Tupelo, but rates vary based on your age, driving experience, and other conditions.

For example, a teen driver in Tupelo pays an average of $367 for full coverage, while a driver between 40 and 49 years old has a rate of $137, which is why many young drivers stay on family car insurance policies.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm64
USAA67
Allstate106
Progressive107
Safeco109
GEICO111
Nationwide112
Travelers123
GAINSCO142
Clearcover148
Direct Auto152
National General161
Shelter163
Dairyland166
Midvale Home & Auto168
State Auto169
Liberty Mutual172
Foremost194
Bristol West215
The General232
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.

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How Tupelo car insurance rates stack up

Heres how Tupelo car insurance rates compare to other cities in Mississippi.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Columbus$169$66
Hattiesburg$171$80
Jackson$200$84
Meridian$180$67
Oxford$164$64
Southaven$195$85
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.

Minimum car insurance requirements in Mississippi

All motor vehicles operated or parked on Mississippi roadways need to be insured. You must carry proof of insurance in your car at all times and it must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Mississippi are:[1]

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who sustain injuries during an accident. Mississippi is an at-fault state, meaning the driver responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance company or out of pocket.

  • $25,000 per accident for property damage

If an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

Driver AgeAverage Monthly Quote
Teens$389
20s$234
30s$171
40s$159
50s$137
60s$127
70s$134
80s$162

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 is riskier to insure than a driver with a clean record.

Here’s what drivers pay on average for car insurance in Tupelo, Mississippi, based on their driving history.

Driving HistoryAverage Monthly Quote
Clean Record$192
Speeding Ticket$246
At-Fault Accident$256
Failure to Stop for Red Light / Stop Sign$360

See More:

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.

Credit TierAverage Monthly Quote
Excellent$194
Good$207
Fair$241
Poor$300

See More: Bad Credit Car Insurance Mississippi

How to get the cheapest car insurance in Tupelo

The best and easiest way to get the cheapest car insurance products in Tupelo, MS, is to compare customized car insurance quotes from multiple insurers. 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.

A quick phone call with an insurance agent can answer any questions you have about discounts or policy changes. A licensed representative at an insurance agency can also help you bundle life, auto, and home insurance policies for more savings and give you peace of mind that you have the right insurance for your needs.

Tupelo car insurance FAQs

If youre shopping for car insurance in Tupelo, this additional information may help as you research your coverage options.

  • What is the average cost of car insurance in Tupelo?

    The average cost of car insurance in Tupelo, Mississippi, is $115 per month. Liability-only insurance meets the state-mandated coverage requirements and costs an average of $71 per month. Full-coverage insurance, which typically includes liability, comprehensive, and collision coverages, costs $159 per month on average. If you finance or lease your car, your lender will likely require full coverage.

  • Who has the cheapest car insurance in Tupelo?

    State Farm offers the cheapest liability-only insurance in Tupelo, with a monthly rate of $32. USAA and Allstate offer the second- and third-cheapest coverage on average, with monthly liability rates of $33 and $53, respectively.

    Ultimately, the cheapest car insurance company for you will depend on your unique driver profile. Insurers analyze factors including your credit history, age, car make and model, past accidents or DUIs, and proof of prior insurance to determine your risk level and the price of your premium.

  • How much does it cost to insure a car in Mississippi?

    The average cost of car insurance in Mississippi is $126 per month, compared to the national average of $155. Liability-only insurance averages $72 per month statewide, and full coverage costs $180 per month. The good news for Mississippi drivers is that car insurance costs in the state increased only 11% in the first half of 2023, compared to 17% nationwide.

  • 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.

Insurify Insights

How Tupelo Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tupelo, Mississippi below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tupelo drivers measure up to their fellow motorists across Mississippi in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Tupelo

#19

City with the Most Speeding Tickets Rank in Mississippi

#32

City with the Most Moving Violations Rank in Mississippi

#8

City with the Most DUIs Rank in Mississippi

#28

City with the Most Suspended Licenses in Mississippi

  • 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 36 in the number of car accidents per driver across all cities in Mississippi.

    • Rank within state: #36
    • Percent of drivers in Tupelo with an accident: 6.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tupelo drivers rank 8 in the number of DUI’s per driver across all cities in Mississippi.

    • Rank within state: #8
    • Percent of drivers in Tupelo with a DUI: 1.9%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Mississippi, Tupelo drivers rank 44 in the number of reckless driving offenses per driver.

    • Rank within state: #44
    • Percent of drivers in Tupelo with a reckless driving offense: 0.6%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Mississippi, Tupelo drivers rank 46 in rude driving infractions.

    • Rank within state: #46
    • Percent of drivers in Tupelo with a reckless driving violation: 0.6%
  • 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 19 in the number of speeding infractions per driver.

    • Rank within state: #19
    • Percent of drivers in Tupelo with a speeding ticket: 10.8%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tupelo drivers rank 37 in clean driving records across all cities in Mississippi.

    • Rank within state: #37
    • Percent of drivers in Tupelo with clean record: 79.7%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tupelo drivers rank 29 in hybrid and electric vehicle ownership across all cities in Mississippi.

    • Rank within state: #29
    • Percent of drivers in Tupelo with a hybrid/electric vehicle: 0.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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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.

Cassie Sheets
Cassie SheetsContent Writer

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.

Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.

Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
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