Cheapest Auto Insurance in Tupelo, Mississippi (2024)

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 $72 per month for liability insurance and $177 per month for full coverage — slightly less than the average rates in Mississippi of $75 and $199 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.

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.

Best insurer for young drivers: State Farm

Best insurer for military families: USAA

Best insurer for personalized customer service: Allstate

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.

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Liability rates start at $33 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 $72 per month.

The table below shows the insurance companies offering the lowest rates for liability coverage in Tupelo.

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 $177 for full coverage.

Here’s a look at the most affordable auto insurers in the city for full-coverage insurance.

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]

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.

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  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.

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  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.

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Monthly rates start at $42 for drivers with an incident

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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 $112 per month for Tupelo drivers with a speeding ticket, and full coverage costs $275 per month.

Here’s a look at the cheapest car insurance companies in Tupelo for drivers with a speeding ticket on their records.

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 $115 for minimum-coverage policies and $283 for full coverage.

Explore the cheapest monthly quotes for Tupelo drivers with an at-fault accident on their records in the table below.

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 $129 per month for liability coverage. That price increases to $318 per month for full coverage.

Below, you’ll find the cheapest car insurance companies for Tupelo drivers with a DUI.

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 $52 per month, on average, for minimum coverage and $129 for full coverage.

The insurers below offer the cheapest coverage for senior drivers in Tupelo.

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 $156 for liability coverage and $385 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.

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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.

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.

Tupelo car insurance FAQs