Cheapest Auto Insurance in Tupelo, Mississippi (2026)
With monthly liability rates as low as $40, State Farm is the cheapest car insurance company in Tupelo.
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Situated in northeast Mississippi, Tupelo is the birthplace of Elvis Presley and is known for the 444-mile historic Natchez Trace Parkway. On average, Tupelo drivers pay $79 per month for liability insurance and $158 per month for full coverage — slightly less than the average car insurance rates in Mississippi of $89 and $182 per month.
The city’s cheaper premiums may be partly due to the lower rate of motor vehicle theft in Lee County compared to other cities in Mississippi.[1] Here’s what you need to know about comparing quotes and finding affordable auto insurance coverage in Tupelo.
Quick Facts
State Farm, USAA, and Progressive have the cheapest car insurance in Tupelo.
Tupelo drivers pay a yearly average of $1,896 for full-coverage car insurance.
For help with car insurance in Tupelo, 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 Tupelo
Factors like your ZIP code, driving history, vehicle type, budget, preferred insurance products, and coverage levels all play a role in the auto insurance rates you receive.
To zero in on the cheapest auto policy, it’s a good idea to compare quotes from multiple car insurance companies. State Farm, USAA, and Allstate are three insurers you may want to explore as you start your search.
Insurance Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $87 | $44 | Young drivers |
| USAA | 9.1 | $89 | $45 | Military families |
| Allstate | 8.9 | $141 | $73 | Personalized customer service |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo 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. | $40/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. | $75/mo |
4.0
Best choiceBased on 17,962 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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
Showing 18 Mississippi reviews for Tupelo driversSee all 7,527 State Farm reviews
Verified Review
Reviewed in Mississippi on May 5, 2026
Good, but rates could be better.
Verified Review
Reviewed in Mississippi on March 19, 2026
I believe that my current car insurance is, so far, the best.
Verified Review
Reviewed in Mississippi on March 11, 2026
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.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Students in Tupelo attend a number of schools, such as Tupelo High School, Ole Miss-Tupelo, and Itawamba Community College. They can find a variety of discounts through State Farm, like a good student discount, student away at school discount, and approved driver training course discount. These discounts can help teen drivers and State Farm customers score an affordable rate on an auto insurance policy in Tupelo.
Pros
Discounts for teens and young drivers
Rideshare coverage available
Cons
No accident forgiveness coverage
Must work with an independent State Farm agent
Best insurer for military families: 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. | $41/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. | $78/mo |
4.9
Best choiceBased on 3,607 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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
Showing 5 Mississippi reviews for Tupelo driversSee all 1,571 USAA reviews
Verified Review
Reviewed in Mississippi on April 30, 2026
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!
Verified Review
Reviewed in Mississippi on January 15, 2026
Rates keep increasing.
Verified Review
Reviewed in Mississippi on December 16, 2025
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.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
Veterans make up 5.8% of Tupelo’s population, according to U.S. Census Bureau data. USAA offers the best insurance rates for veterans, active-duty military members, and qualifying family members in the area. People affiliated with the United States Army, Navy, Air Force, Marines, and Coast Guard should consider USAA.
Pros
SafePilot program can save drivers up to 30%
Multiple discounts
Cons
Only available to members of the military community
No gap insurance
Best insurer for personalized customer service: 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. | $65/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. | $124/mo |
3.8
A solid optionBased on 10,668 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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
Showing recent national reviewsSee all 4,437 Allstate reviews
Verified Review
Reviewed in Oregon on May 11, 2026
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).
Verified Review
Reviewed in Georgia on May 11, 2026
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.
Verified Review
Reviewed in Georgia on May 10, 2026
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.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 serves Tupelo residents with low rates and personalized customer service at an agent’s office. A handful of local agents in the area can educate prospective policyholders on the various coverage levels and discounts available. Allstate is a solid choice if you’d like an insurer with a focus on long-term relationships.
Pros
Great service through local car insurance agents
AM Best financial strength rating of A (Excellent)
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Milewise, the company’s pay-per-mile program, isn’t available in Mississippi
How to get the cheapest car insurance in Tupelo
A number of strategies can help you land cheap insurance in Tupelo, including:
Comparison shop. Get insurance quotes from at least three different car insurance companies to find the right policy for your unique situation and particular needs. Compare rates, coverage options, and insurance agency reviews from current and former customers. You can use an online quote-comparison platform or an insurance agent in Tupelo to access quotes.
Look for discounts. Most auto insurance companies offer discounts that can lower your premiums. A few examples of popular discounts include a multi-car discount, loyalty discount, home insurance discount, and anti-theft device discount.
Bundle policies. If you purchase your car insurance with another type of policy, such as homeowners insurance, renters insurance, life insurance, or business insurance, you can usually secure a good deal. All you have to do is use the same insurance company for your policies.
Explore usage-based insurance. Usage-based insurance might save you money if you drive only on occasion because you’re retired or work remotely, for example. You’ll pay only for the miles you drive, plus a monthly base rate.
Find Cheap Car Insurance in Tupelo
Liability rates start at $40 per month
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Cheapest liability-only car insurance in Tupelo: State Farm
Per Mississippi law, drivers must carry liability car insurance, at a minimum. This type of policy pays for the other party’s property damage and medical bills after an at-fault accident. It’s typically the cheapest car insurance coverage available because it doesn’t pay for your injuries or car repairs after an accident where you’re at fault.
Liability insurance in Tupelo costs an average of $79 per month.
The table below shows the insurance companies offering the lowest rates for liability coverage in Tupelo.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| USAA | $41 |
| Progressive | $54 |
| National General | $59 |
| Bristol West | $61 |
| Direct Auto | $63 |
| Allstate | $65 |
| Nationwide | $67 |
| GEICO | $68 |
| The General | $75 |
| Safeco | $77 |
| Travelers | $79 |
| Trexis One | $79 |
| Mendota | $80 |
| First Acceptance | $83 |
| Root | $86 |
| GAINSCO | $88 |
| Shelter | $100 |
| Liberty Mutual | $130 |
| Dairyland | $131 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Tupelo: State Farm
Full-coverage car insurance typically includes liability, collision, and comprehensive coverage. While it’s more expensive than minimum-liability insurance, it offers additional protection. Also, if you have a loan or lease on your vehicle, your lender may require you to carry full coverage.
Tupelo drivers pay a monthly average of $158 for full coverage.
Here’s a look at the most affordable auto insurers in the city for full-coverage insurance.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| USAA | $78 |
| National General | $99 |
| Safeco | $116 |
| Direct Auto | $119 |
| Progressive | $123 |
| Allstate | $124 |
| Nationwide | $129 |
| Root | $130 |
| GEICO | $131 |
| Travelers | $149 |
| Bristol West | $153 |
| Mendota | $178 |
| Shelter | $192 |
| Trexis One | $197 |
| First Acceptance | $202 |
| Liberty Mutual | $203 |
| GAINSCO | $217 |
| The General | $267 |
| Dairyland | $302 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Tupelo, Mississippi drivers
Recent Tupelo, Mississippi car insurance prices for GMC, Mazda, Toyota, and more.
*Quotes generated for Insurify users in and around Tupelo, 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 Tupelo, 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. This means the driver responsible for the accident must cover the damages and medical expenses of others, typically through their liability car insurance. The state requires drivers to show proof of insurance to avoid high fines and other consequences.
Here are the minimum car insurance requirements in Mississippi:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
It may make sense to invest in optional auto insurance to protect you financially and gain extra peace of mind in certain situations. Several policies you might want to consider as a driver in Tupelo include:
Comprehensive coverage
Comprehensive insurance may apply after your vehicle sustains damage in non-collision events, such as theft or a natural disaster like fire.
Collision coverage
Collision insurance pays to repair or replace your vehicle if you’re involved in an accident with another driver or stationary object, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can protect you from hefty out-of-pocket expenses if a driver without car insurance or with insufficient coverage hits you.
Rental car reimbursement coverage
If you’re unable to drive your car because it’s in the auto repair shop after a covered car accident, rental car reimbursement can help pay for a rental vehicle.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents that can lead to higher car insurance rates. If you have an incident on your record, insurance companies will generally view you as a high-risk driver who’s more likely to file a claim. That’s why Tupelo residents with clean records usually pay cheaper premiums.
The tables below show the car insurance companies offering the cheapest average car insurance quotes in Tupelo based on driving history.
Shop for Car Insurance in Tupelo, MS
Monthly rates start at $49 for drivers with an incident
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4.7 out of 5 based on 14,312 reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can cause you to lose control of your vehicle and interfere with your ability to drive safely.[3] For this reason, Tupelo drivers with speeding tickets usually face higher car insurance rates.
Liability insurance costs $94 per month for Tupelo drivers with a speeding ticket, and full coverage costs $189 per month.
Here’s a look at the cheapest car insurance companies in Tupelo for drivers with a speeding ticket on their records.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $40 | $50 |
| USAA | $41 | $52 |
| Progressive | $54 | $65 |
| National General | $59 | $72 |
| Bristol West | $61 | $75 |
| Direct Auto | $63 | $77 |
| Allstate | $65 | $83 |
| Nationwide | $67 | $85 |
| GEICO | $68 | $87 |
| Trexis One | $79 | $94 |
| Mendota | $80 | $96 |
| The General | $75 | $98 |
| Safeco | $77 | $99 |
| First Acceptance | $83 | $99 |
| Travelers | $79 | $100 |
| GAINSCO | $88 | $103 |
| Root | $86 | $112 |
| Shelter | $100 | $130 |
| Dairyland | $131 | $159 |
| Liberty Mutual | $130 | $162 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause a motor vehicle accident, car insurers will perceive you as a greater risk on the road and likely charge you higher rates as a result. Factors like the severity of the accident and the value of the claim will dictate how much your premiums will increase.
Tupelo drivers with an at-fault accident pay a monthly average of $101 for minimum-coverage policies and $202 for full coverage.
Explore the cheapest monthly quotes for Tupelo drivers with an at-fault accident on their records in the table below.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $40 | $52 |
| USAA | $41 | $54 |
| Progressive | $54 | $69 |
| National General | $59 | $77 |
| Bristol West | $61 | $79 |
| Direct Auto | $63 | $84 |
| Allstate | $65 | $86 |
| GEICO | $68 | $88 |
| Nationwide | $67 | $89 |
| Trexis One | $79 | $101 |
| The General | $75 | $102 |
| Mendota | $80 | $102 |
| Travelers | $79 | $105 |
| Safeco | $77 | $105 |
| First Acceptance | $83 | $106 |
| GAINSCO | $88 | $111 |
| Root | $86 | $114 |
| Shelter | $100 | $134 |
| Liberty Mutual | $130 | $170 |
| Dairyland | $131 | $170 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Mississippi takes DUIs very seriously and imposes consequences like fines and jail time. A DUI can also lead to more expensive insurance costs and mandate an SR-22 insurance form.
Tupelo drivers with a DUI pay an average of $98 per month for liability coverage. That price increases to $197 per month for full coverage.
Below, you’ll find the cheapest car insurance companies for Tupelo drivers with a DUI.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $40 | $54 |
| USAA | $41 | $55 |
| Progressive | $54 | $67 |
| National General | $59 | $79 |
| Bristol West | $61 | $82 |
| Direct Auto | $63 | $85 |
| Allstate | $65 | $87 |
| Nationwide | $67 | $90 |
| GEICO | $68 | $90 |
| The General | $75 | $97 |
| Trexis One | $79 | $98 |
| Mendota | $80 | $100 |
| First Acceptance | $83 | $103 |
| Travelers | $79 | $106 |
| Safeco | $77 | $110 |
| Root | $86 | $116 |
| GAINSCO | $88 | $118 |
| Shelter | $100 | $135 |
| Liberty Mutual | $130 | $174 |
| Dairyland | $131 | $176 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Because senior drivers are more likely to cause an accident than middle-aged drivers, car insurance companies charge them more expensive rates. Average premiums usually go down around age 35 and increase slightly again around age 70.
Senior drivers in Tupelo pay $71 per month, on average, for minimum coverage and $141 for full coverage.
The insurers below offer the cheapest coverage for senior drivers in Tupelo.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $60 | $32 |
| USAA | $64 | $34 |
| National General | $79 | $47 |
| Direct Auto | $99 | $53 |
| Nationwide | $101 | $52 |
| Allstate | $102 | $54 |
| Safeco | $103 | $68 |
| GEICO | $106 | $55 |
| Progressive | $110 | $48 |
| Root | $111 | $73 |
| Travelers | $121 | $64 |
| Bristol West | $130 | $52 |
| Shelter | $140 | $73 |
| Mendota | $159 | $71 |
| Liberty Mutual | $172 | $110 |
| Trexis One | $176 | $71 |
| First Acceptance | $180 | $74 |
| GAINSCO | $189 | $77 |
| The General | $232 | $65 |
| Dairyland | $261 | $113 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Since they have less experience on the road, teen drivers and young adults can expect higher car insurance costs.
Teen drivers in Tupelo pay monthly averages of $143 for liability coverage and $286 for full coverage.
The good news is teens can save money by being added to their parents’ policy or family plans, choosing a safe car, and taking advantage of discounts, like a good student discount.
The below rates in Tupelo, MS, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $144 | $76 |
| State Farm | $146 | $78 |
| National General | $198 | $118 |
| Progressive | $223 | $98 |
| Root | $226 | $149 |
| Direct Auto | $231 | $122 |
| Safeco | $235 | $156 |
| GEICO | $237 | $123 |
| Allstate | $245 | $129 |
| Nationwide | $252 | $131 |
| Bristol West | $271 | $108 |
| Travelers | $311 | $165 |
| Mendota | $323 | $145 |
| Liberty Mutual | $356 | $228 |
| Trexis One | $357 | $143 |
| First Acceptance | $366 | $150 |
| Shelter | $383 | $200 |
| GAINSCO | $387 | $157 |
| The General | $479 | $135 |
| Dairyland | $526 | $228 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
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Tupelo car insurance quotes by credit tier
Mississippi, like most states, allows auto insurance companies to consider a person’s credit history during the underwriting process. This means people with good credit generally lock in cheaper rates than people with poor credit.
The chart below shows average premiums for Tupelo drivers based on their credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $149 |
| Good | $169 |
| Fair | $186 |
| Poor | $270 |
Is car insurance more expensive in Tupelo?
Compared to the national average, auto insurance premiums in Tupelo are less expensive. Rates vary by city within Mississippi due to factors like population, crime rates, and the number of uninsured drivers. For example, premiums in Tupelo are more affordable than they are in Jackson and Madison.
More cities in Mississippi
Here’s a look at the average car insurance quotes in some other cities in Mississippi.
City | Full Coverage | Liability Only |
|---|---|---|
| Columbus | $157 | $80 |
| Hattiesburg | $178 | $90 |
| Jackson | $210 | $102 |
| Madison | $194 | $96 |
| Meridian | $173 | $81 |
| Oxford | $165 | $79 |
| Southaven | $191 | $97 |
Disclaimer: Table data sourced from real-time Tupelo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tupelo may vary based on the policy buyer's unique driver profile.
Tupelo car insurance FAQs
If you’re shopping for car insurance in Tupelo, this additional information may help as you research your coverage options.
How much is car insurance in Tupelo?
Car insurance in Tupelo costs an average of $79 per month for liability coverage and $158 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Tupelo?
State Farm has the cheapest car insurance in Tupelo, with monthly liability rates as low as $40. USAA and Progressive also offer affordable coverage, with respective monthly liability rates of $41 and $54.
But the cheapest insurer for you will depend on many factors, such as your age, your ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Tupelo?
With an Insurify Quality (IQ) Score of 9.3 out of 10, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction scores, State Farm is the best car insurance company in Tupelo. Other top insurers in the city include Allstate and USAA.
What is the average cost of car insurance in Mississippi?
The average cost of car insurance in Mississippi is $89 per month for liability coverage and $182 per month for full coverage, Insurify data shows.
What are Mississippi’s minimum requirements for auto insurance?
Mississippi’s minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Sources
- Mississippi Crime Statistics. "Lee County."
- Mississippi Insurance Department. "Auto Insurance."
- National Safety Council. "Speeding."
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
- 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.
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