120+ more*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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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.
Updated
The average monthly cost of car insurance in Tupelo, Mississippi, is $131 for full coverage and $66 for liability-only coverage.
Average rates in Tupelo are lower than in nearby Oxford. Tupelo also has cheaper rates than Jackson, the largest city in the Magnolia State.
Tupelo has lower car insurance rates than some other Mississippi cities because it has a lower population density. Tupelo has 590 people per square mile.[1] Lower population density means fewer cars on the road, which can reduce the likelihood of accidents.
Get personalized quotes from the city’s top insurers and save money in minutes
State Farm offers the cheapest liability-only insurance in Tupelo, with an average rate of $33 per month. That’s typically lower than the citywide average of $66.
Mississippi requires all drivers to have a minimum amount of liability insurance.[2] Mississippi’s car insurance requirements are:
Bodily injury liability coverage: $25,000 per person and $50,000 per accident to help pay for injuries you cause to others in an accident
Property damage liability coverage: $25,000 to cover damage you cause to other people’s property in an accident
The table below shows the cheapest rates for liability-only car insurance in Tupelo, Mississippi.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| USAA | $34 |
| Progressive | $39 |
| Bristol West | $48 |
| Direct Auto | $49 |
| National General | $49 |
| Allstate | $51 |
| GEICO | $57 |
| The General | $62 |
| Travelers | $64 |
| Trexis One | $65 |
| Safeco | $66 |
| First Acceptance | $67 |
| Mendota | $67 |
| GAINSCO | $70 |
| Root | $71 |
| Shelter | $82 |
| Liberty Mutual | $102 |
| Dairyland | $106 |
| Hugo | $106 |
The average monthly full-coverage insurance rate in Tupelo is $131, which is lower than the Mississippi average. State Farm has the cheapest full-coverage car insurance in Tupelo, at an average of $62 per month.
Mississippi doesn’t require full coverage, but many drivers can benefit from it. Full coverage usually includes comprehensive and collision coverage, which helps pay for damage to your car from accidents and severe weather. Tupelo sits in “Dixie Alley,” a region in the southern U.S. prone to tornadoes. Mississippi averages between 30 and 100 tornadoes per year.[3]
The following table shows the cheapest car insurance companies in Tupelo for full coverage.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| USAA | $64 |
| National General | $85 |
| Progressive | $91 |
| Allstate | $94 |
| Safeco | $95 |
| Direct Auto | $96 |
| Root | $108 |
| GEICO | $110 |
| Travelers | $122 |
| Bristol West | $123 |
| Mendota | $154 |
| Shelter | $158 |
| Trexis One | $159 |
| Liberty Mutual | $166 |
| First Acceptance | $172 |
| GAINSCO | $173 |
| The General | $238 |
| Dairyland | $264 |
Tupelo and Columbus are the cheapest cities in Mississippi for car insurance, while Jackson is the most expensive. The overall average cost of auto insurance in Tupelo is $99 per month, which is cheaper than the Mississippi average.
One reason why Tupelo drivers pay less than residents of other cities is that it has fewer vehicle thefts. For example, Hinds County had 1,276 car thefts in 2024, while Lee County, home to Tupelo, had only 126 thefts.
The table below shows the average cost of car insurance in different Mississippi cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tupelo, Mississippi within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance premiums in Tupelo can vary significantly depending on your driving record. People with traffic violations typically pay higher rates than drivers with a clean record.
Here are the cheapest car insurance companies in Tupelo based on driving record:
Cheapest car insurance for Tupelo drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Tupelo: State Farm
Cheapest car insurance for Tupelo drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Tupelo: State Farm
About 5% of Tupelo drivers have a speeding ticket on their record, and 4% have been in an accident, according to Insurify data. Just over 1% of Tupelo drivers have a driving under the influence (DUI) conviction, which is higher than the statewide DUI rate.
After a first DUI in Mississippi, the state will suspend your driver’s license for 120 days unless you get a court-ordered ignition-interlock-restricted license.[4] You must also complete the Mississippi Alcohol Safety Education Program (MASEP) and maintain an SR-22 certificate for three years.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $99 |
| Speeding ticket | $122 |
| At-fault accident | $131 |
| DUI | $124 |
If you’re planning to drive in Tupelo, here are some things to consider:
Citywide events: Popular events like the Tupelo Elvis Festival and New Year’s Eve Party draw large crowds to the downtown area every year. You might notice increased traffic congestion downtown and difficulty parking during events.
Open-container laws: You can carry an open container of alcohol outside of a bar or restaurant in parts of downtown Tupelo at certain times. But it’s against the law to have an open container in your vehicle at any time, anywhere in the city.[5]
Flood-prone streets: Tupelo is hundreds of miles from the Gulf Coast, but hurricanes and tropical storms can still bring heavy rains that cause street flooding. It’s important to avoid driving through flooded streets or standing water, especially in low-lying areas.
Tupelo doesn’t experience as much traffic as other parts of Mississippi. It’s a smaller city with about 38,000 people, and the average commute time is only 18 minutes. Fewer cars on the road and shorter commutes typically help lower car insurance costs in an area.
During rush hour, you might notice more congestion on major roads like Interstate 22 and U.S. Route 45. If you’re looking for a more scenic route through Tupelo, you might consider taking the Natchez Trace Parkway, a 444-mile road that travels through Alabama, Mississippi, and Tennessee.
Compare quotes in Tupelo, starting at an average of $33 per month
The average cost of insurance for Tupelo teens is $181 per month. Teens typically pay more for car insurance because they have less experience and riskier driving habits.
In Mississippi, drivers can apply for a learner’s permit at age 15 and get a full driver’s license when they turn 17. You must drive with a learner’s permit for at least 12 months before you can apply for a driver’s license.[6]
The data below shows the cheapest car insurance rates for teen drivers in Tupelo.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $62 |
| State Farm | $63 |
| Progressive | $71 |
| Bristol West | $84 |
| Allstate | $93 |
| Direct Auto | $95 |
| National General | $96 |
| GEICO | $103 |
| Root | $107 |
| The General | $111 |
| Trexis One | $119 |
| GAINSCO | $122 |
| First Acceptance | $122 |
| Mendota | $122 |
| Travelers | $132 |
| Safeco | $135 |
| Shelter | $161 |
| Liberty Mutual | $178 |
| Dairyland | $182 |
| Hugo | $193 |
Tupelo senior drivers pay an average of $88 per month for car insurance. Older drivers pay some of the lowest car insurance rates because they typically have decades of driving experience. About 17% of Tupelo’s nearly 38,000 residents are 65 and older.
In the following table, you’ll find the cheapest average rates for seniors in Tupelo.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $26 |
| USAA | $28 |
| Progressive | $35 |
| National General | $39 |
| Bristol West | $40 |
| Direct Auto | $41 |
| Allstate | $45 |
| GEICO | $46 |
| Travelers | $52 |
| The General | $53 |
| Trexis One | $58 |
| Safeco | $58 |
| First Acceptance | $59 |
| Mendota | $59 |
| Shelter | $60 |
| GAINSCO | $61 |
| Root | $66 |
| Liberty Mutual | $86 |
| Dairyland | $91 |
| Hugo | $94 |
If you’re looking for affordable car insurance in Tupelo, here’s some additional information to help you shop for policies and compare quotes.
State Farm has the cheapest car insurance in Mississippi, with an average monthly rate of $45. But your personal rates may vary based on a number of factors, including your ZIP code, age, and driving record.
It depends. No single car insurance company is the best for all drivers in Tupelo. State Farm, USAA, and Progressive offer the lowest average rates in the city. Meanwhile, Erie, Nationwide, and GEICO score well for customer satisfaction. Comparing quotes from several insurers can help you find the right balance of coverage and cost.
Tupelo’s low population density and light traffic help keep car insurance rates in the city relatively affordable. Car insurance companies in Mississippi also consider a variety of personal factors when calculating rates, like your age, driving record, ZIP code, and the car you drive.
Car insurance in Tupelo costs an average of $99 per month, according to Insurify data. Liability-only coverage averages $66, and full coverage averages $131.
Mississippi requires drivers to have at least 25/50/25 liability insurance. That means you need $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.
Many drivers can benefit from additional coverage, like comprehensive coverage, medical payments coverage (MedPay), and uninsured motorist (UM) coverage.
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
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.
