Buy Cheap Laurel, MS Auto Insurance in 2024
Laurel, MS auto insurance rates average $298 a month. Minimum auto insurance requirements in Laurel, Mississippi are 25/50/25 to comply with Mississippi laws. To buy cheap auto insurance in Laurel, MS, compare Laurel auto insurance quotes from top companies.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Laurel, MS for teens drivers are $7,074/year
- Average auto insurance rates in Laurel, MS after a DUI are $4,309/year
- The most expensive auto insurance company in Laurel is Allstate
Finding affordable Laurel, Mississippi auto insurance can be challenging, but everything you need to know to buy cheap Laurel, MS auto insurance with confidence is right here. Auto insurance rates in Laurel are affected by local factors as well as personal ones like your driving record.
See how Laurel, MS car insurance rates compare to Olive Branch auto insurance rates, Jackson auto insurance rates, and Meridian auto insurance rates before you read more about the cost of auto insurance in Laurel.
Don’t buy Laurel, MS auto insurance until you’ve compared rates. Get free Laurel, Mississippi auto insurance quotes when you enter your ZIP code above.
Table of Contents
Laurel, MS Minimum Auto Insurance Requirements
The required auto insurance in Laurel, MS is 25/50/25 according to the auto insurance laws in Mississippi. The minimum auto insurance in Laurel, Mississippi is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Laurel, MS Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Laurel, MS. Take a look at Laurel, Mississippi auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,459 | $4,833 | $3,854 |
| Geico | $6,368 | $3,609 | $2,693 |
| Liberty Mutual | $6,545 | $4,000 | $3,141 |
| Nationwide | $2,972 | $2,422 | $2,209 |
| Progressive | $4,425 | $3,782 | $3,519 |
| State Farm | $4,165 | $2,530 | $1,982 |
| Travelers | $4,180 | $3,410 | $3,457 |
| USAA | $2,832 | $1,846 | $1,541 |
Buy Cheap Laurel, MS Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Laurel, Mississippi auto insurance rates? Find out how car insurance rates in Laurel, MS are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,603 | $2,479 | $2,332 | $2,385 | $10,628 | $11,357 | $2,935 | $3,003 |
| Geico | $3,018 | $2,851 | $2,736 | $2,543 | $7,721 | $7,306 | $5,161 | $2,450 |
| Liberty Mutual | $2,690 | $2,910 | $2,160 | $2,418 | $9,679 | $10,753 | $2,865 | $3,023 |
| Nationwide | $1,891 | $1,944 | $1,699 | $1,800 | $3,741 | $4,752 | $2,137 | $2,311 |
| Progressive | $2,306 | $2,166 | $1,900 | $1,848 | $8,576 | $9,593 | $2,382 | $2,498 |
| State Farm | $1,801 | $1,801 | $1,620 | $1,620 | $5,320 | $6,660 | $2,010 | $2,309 |
| Travelers | $1,666 | $1,695 | $1,590 | $1,588 | $7,436 | $11,704 | $1,750 | $2,027 |
| USAA | $1,394 | $1,379 | $1,302 | $1,315 | $3,491 | $4,140 | $1,697 | $1,868 |
Buy Cheap Laurel, MS Auto Insurance for Teen Drivers
Auto insurance for teenagers in Laurel can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Laurel, MS are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,628 | $11,357 |
| Geico | $7,721 | $7,306 |
| Liberty Mutual | $9,679 | $10,753 |
| Nationwide | $3,741 | $4,752 |
| Progressive | $8,576 | $9,593 |
| State Farm | $5,320 | $6,660 |
| Travelers | $7,436 | $11,704 |
| USAA | $3,491 | $4,140 |
Buy Cheap Laurel, MS Auto Insurance for Seniors
You can save on senior auto insurance rates in Laurel, Mississippi by comparing Laurel senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Laurel, MS here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,332 | $2,385 |
| Geico | $2,736 | $2,543 |
| Liberty Mutual | $2,160 | $2,418 |
| Nationwide | $1,699 | $1,800 |
| Progressive | $1,900 | $1,848 |
| State Farm | $1,620 | $1,620 |
| Travelers | $1,590 | $1,588 |
| USAA | $1,302 | $1,315 |
Find Cheap Auto Insurance Rates in Laurel, MS by Coverage Level
The amount of coverage you choose is a big factor in the cost of Laurel, Mississippi auto insurance. Compare Laurel, MS auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,509 | $4,711 | $4,926 |
| Geico | $4,008 | $4,250 | $4,411 |
| Liberty Mutual | $4,302 | $4,543 | $4,841 |
| Nationwide | $2,404 | $2,526 | $2,673 |
| Progressive | $3,542 | $3,954 | $4,230 |
| State Farm | $2,727 | $2,879 | $3,072 |
| Travelers | $3,506 | $3,704 | $3,836 |
| USAA | $1,938 | $2,062 | $2,219 |
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Find Cheap Laurel, MS Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Laurel. Compare auto insurance rates in Laurel, MS by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,715 | $4,715 |
| Geico | $4,209 | $4,238 |
| Liberty Mutual | $4,562 | $4,562 |
| Nationwide | $2,534 | $2,534 |
| Progressive | $3,909 | $3,909 |
| State Farm | $2,825 | $2,960 |
| Travelers | $3,682 | $3,682 |
| USAA | $2,010 | $2,136 |
Find Cheap Laurel, MS Auto Insurance Rates by ZIP Code
Auto insurance rates in Laurel, Mississippi can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Laurel, MS to see how much where you live in Laurel affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 39440 | $3,064 |
| 39443 | $3,085 |
Find Cheap Laurel, MS Auto Insurance Rates by Driving Record
Auto insurance rates in Laurel, Mississippi are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Laurel, MS, take a look at the average cost for various violations versus rates for a clean driving record in Laurel.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,964 | $4,682 | $5,707 | $4,509 |
| Geico | $2,644 | $3,991 | $6,045 | $4,213 |
| Liberty Mutual | $3,240 | $5,162 | $5,293 | $4,553 |
| Nationwide | $2,033 | $2,582 | $3,276 | $2,246 |
| Progressive | $3,345 | $4,508 | $3,851 | $3,931 |
| State Farm | $2,619 | $3,227 | $2,862 | $2,862 |
| Travelers | $3,215 | $3,366 | $4,633 | $3,515 |
| USAA | $1,617 | $2,068 | $2,809 | $1,799 |
Find Cheap Laurel, MS Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Laurel, Mississippi is higher than for a clean driving record. You can buy auto insurance after a DUI in Laurel for less when you shop around and compare rates from multiple Laurel, MS auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,707 |
| Geico | $6,045 |
| Liberty Mutual | $5,293 |
| Nationwide | $3,276 |
| Progressive | $3,851 |
| State Farm | $2,862 |
| Travelers | $4,633 |
| USAA | $2,809 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Laurel, MS
Compare rates from the cheapest auto insurance companies in Laurel, MS for your needs. Take a look at how Laurel, Mississippi auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Laurel, Mississippi Auto Insurance Companies
If you’re looking for the cheapest Laurel, MS auto insurance companies overall, you can compare them here. Find the best price for Laurel, Mississippi car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,715 |
| Geico | $4,223 |
| Liberty Mutual | $4,562 |
| Nationwide | $2,534 |
| Progressive | $3,909 |
| State Farm | $2,893 |
| Travelers | $3,682 |
| USAA | $2,073 |
What affects Laurel, Mississippi auto insurance rates?
Local factors affect auto insurance rates in Laurel, MS, including traffic, theft statistics, and commute length. Take a look at the things that impact Laurel auto insurance rates.
Auto Theft in Laurel
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Laurel, MS auto theft show a total of 40 vehicle thefts annually.
Commute Times in Laurel
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Laurel, MS is 18.9 minutes according to City-Data.
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Compare Auto Insurance Quotes in Laurel, MS
You can buy cheap Laurel, MS auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Laurel, Mississippi auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to buy cheap auto insurance in Laurel, MS in 2023?
Yes, it is possible to find affordable auto insurance in Laurel, MS in 2023. By comparing quotes from multiple insurance providers, considering discounts, and maintaining a good driving record, you can increase your chances of finding reasonably priced coverage.
How can I find cheap auto insurance in Laurel, MS?
To find cheap auto insurance in Laurel, MS, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices.
- Maintain a good driving record: A clean driving history without accidents or traffic violations can help lower your premiums.
- Opt for higher deductibles: Increasing your deductible amount can lower your insurance premium, but be sure you can afford the out-of-pocket costs if you need to file a claim.
- Bundle policies: If you have multiple insurance needs, such as home and auto, consider bundling them with the same provider for potential discounts.
- Inquire about discounts: Ask insurance companies about available discounts for features like vehicle safety devices, good student records, or being a loyal customer.
What factors can affect the cost of auto insurance in Laurel, MS?
Several factors can impact the cost of auto insurance in Laurel, MS, including:
- Age and driving experience
- Vehicle make and model
- Driving record and claims history
- Coverage limits and deductibles
- Credit history
- Location and zip code
- Annual mileage
- Gender and marital status
Are there any disadvantages to buying cheap auto insurance in Laurel, MS?
While buying cheap auto insurance can save you money, there are potential disadvantages to consider:
- Limited coverage: Cheap insurance may provide minimal coverage, leaving you financially exposed in the event of an accident or damage.
- Higher deductibles: Lower premiums often come with higher deductibles, meaning you’ll have to pay more out of pocket before your insurance kicks in.
- Limited customer service: Some cheap insurance providers may have limited customer service options or slower claims processes.
- Fewer policy features: Cheap insurance policies may not offer additional features or benefits that higher-priced policies do.
What are the benefits of buying cheap auto insurance in Laurel, MS?
There are several advantages to buying cheap auto insurance, including:
- Cost savings: Cheap insurance can help you save money on your monthly premiums.
- Compliance with legal requirements: Having any form of insurance coverage ensures you meet the legal obligations of driving in Laurel, MS.
- Basic protection: Even with cheaper policies, you will still have some level of protection against liability claims or property damage.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.