Cheapest Car Insurance Quotes in Alcorn State University

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Alcorn State University Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alcorn State University

The car insurance rate in Alcorn State University is $1007 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Alcorn State University can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alcorn State University

$1007

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Alcorn State University

1st place: Direct General Insurance

At $448 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $496 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $834 for six months, making it the third cheapest auto insurance company in Alcorn State University.

Alcorn State University Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alcorn State University, MS is Direct General Insurance, offering policies at just $448 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $496.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1537 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alcorn State University drivers find the best deals.

Cheap Car Insurance Companies in Alcorn State University, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$448	$77
Mississippi Farm Bureau	$496	$82
USAA	$834	$140
Travelers	$855	$144
State Farm	$882	$148
Farm Bureau	$916	$153
National Farmers Union Insurance	$923	$157
Nationwide	$1102	$186
Progressive	$1165	$196
Shelter	$1199	$202
Allstate	$1336	$227
Farmers	$1399	$233
Safeway	$1537	$261

Key Takeaways

Way's key takeaways about car insurance in Alcorn State University

The auto insurance costs in Alcorn State University fall around $448 for six months.
The cheapest auto insurance company in Alcorn State University is Direct General Insurance.
Teen drivers pay the highest rate in Alcorn State University at $1008 per month.

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Cheapest Minimum Liability Car Insurance in Alcorn State University

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alcorn State University are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Alcorn State University. Their Average 6 Month Premium is $179. Farmers is the most expensive at $614 for the same period.

Cheapest Liability Coverage in Alcorn State University, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$179	$30
Mississippi Farm Bureau	$186	$31
National Farmers Union Insurance	$186	$31
State Farm	$213	$36
USAA	$227	$38
Farm Bureau	$289	$49
Progressive	$296	$50
Safeway	$351	$60
Travelers	$358	$60
Shelter	$413	$70
Nationwide	$427	$72
Allstate	$510	$86
Farmers	$614	$102

Cheapest Full Coverage Car Insurance in Alcorn State University

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alcorn State University is Direct General Insurance at $77 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alcorn State University, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$448	$77
Mississippi Farm Bureau	$496	$82
USAA	$834	$140
Travelers	$855	$144
State Farm	$882	$148
Farm Bureau	$916	$153
National Farmers Union Insurance	$923	$157
Nationwide	$1102	$186
Progressive	$1165	$196
Shelter	$1199	$202
Allstate	$1336	$227
Farmers	$1399	$233
Safeway	$1537	$261

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Average Car Insurance in Alcorn State University by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alcorn State University, MS increasing?

Despite maintaining a clean driving record, your car insurance rates in Alcorn State University, Mississippi, may be increasing due to several external factors. Mississippi has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alcorn State University's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alcorn State University

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Alcorn State University,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Alcorn State University at $38 per month. At $6049 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$227	$38
National General	$234	$39
Mississippi Farm Bureau	$255	$43
State Farm	$785	$132
USAA	$882	$148
Travelers	$1075	$181
Farm Bureau	$1578	$268
Progressive	$1888	$318
Shelter	$3039	$516
Farmers	$4231	$705
Allstate	$4748	$807
Nationwide	$6049	$1008

Teen Car Insurance Rates in MS by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alcorn State University, Direct General Insurance is the cheapest car insurance provider. At $227 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alcorn State University is Farmers, offering rates of around $4127 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$227	$38
Mississippi Farm Bureau	$324	$55
Travelers	$1054	$177
Progressive	$1061	$179
USAA	$1282	$218
Nationwide	$1329	$224
Farm Bureau	$1571	$267
Allstate	$2143	$357
Shelter	$2735	$465
State Farm	$3328	$554
Farmers	$4127	$702

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Car Insurance Rates with An Accident in Alcorn State University

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alcorn State University, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alcorn State University

The cheapest car insurance companies after an at-fault accident in Alcorn State University include Mississippi Farm Bureau and Direct General Insurance, offering $255 and $365, respectively. Farmers is an expensive provider with an average six-month premium of $3342.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$255	$43
Direct General Insurance	$365	$63
National General	$372	$61
State Farm	$393	$66
Safeway	$420	$70
USAA	$462	$78
Shelter	$675	$114
Travelers	$703	$118
Progressive	$771	$130
Farm Bureau	$1179	$201
Nationwide	$1502	$253
Allstate	$1971	$335
Farmers	$3342	$557

Alcorn State University Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alcorn State University MS. For example, the car insurance in Alcorn State University after a DUI increases to $848 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Alcorn State University auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1226	$204
One Med/PIP claim	$1226	$209
Not-at-fault accident	$1282	$213
One comp claim	$1310	$223
Two Med/PIP claims	$1317	$219
Driving without lights	$1413	$240
Two comp claims	$1420	$237
Failure to show documents	$1460	$248
Failure to wear a seat belt	$1460	$244
Child safety restraint	$1467	$249
Driving with expired registration	$1467	$245
Driving too slowly	$1481	$252
Failure to stop at a red light	$1481	$247
Speeding in school zone	$1481	$252
Cell phone violation	$1495	$249
Improper passing	$1502	$255
Texting while driving	$1502	$251
Wrong way/wrong lane	$1502	$255
Speeding 6 - 10 MPH over limit	$1509	$252
Failure to yield	$1516	$258
Speeding 11 - 15 MPH over limit	$1516	$253
Following too closely	$1523	$259
Illegal turn	$1523	$254
Speeding 16 - 20 MPH over limit	$1523	$259
Speeding 21 - 25 MPH over limit	$1537	$256
Passing school bus	$1551	$263
In 65 MPH zone	$1592	$266
At-fault accident - less than $1000	$1667	$283
Operating a vehicle without permission	$1681	$281
Open container	$1730	$295
At-fault accident - $1000-$2000	$1798	$299
At-fault accident - greater than $2000	$1798	$306
Driving with a suspended license	$1875	$312
Reckless driving	$1875	$319
Refusal to submit to a chemical test	$2053	$342
DUI	$2074	$353
Racing	$2095	$349
Leaving scene of an accident/hit and run	$2109	$358

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alcorn State University after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alcorn State University.

The cheapest car insurance premiums in Alcorn State University are offered by Mississippi Farm Bureau at $358 for a six-month policy. However, it can be as expensive as $3342 with companies like Farmers.

Alcorn State University car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$358	$61
Direct General Insurance	$365	$60
National General	$372	$64
State Farm	$855	$144
Travelers	$896	$151
Progressive	$916	$154
USAA	$1186	$200
Farm Bureau	$1488	$248
Shelter	$1764	$297
Allstate	$1875	$316
Nationwide	$1908	$321
Farmers	$3342	$557

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alcorn State University are offered by Mississippi Farm Bureau at $206. However, it can be as expensive as $2006 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Alcorn State University after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$206	$35
Direct General Insurance	$289	$49
State Farm	$455	$77
Progressive	$799	$135
USAA	$868	$145
Farm Bureau	$985	$167
Travelers	$1219	$203
Shelter	$1447	$246
Allstate	$1474	$246
Farmers	$1750	$298
Nationwide	$2006	$334

Car Insurance Price Trends in Alcorn State University, Mississippi

Car insurance rates in Alcorn State University have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alcorn State University remained steady at $237 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Alcorn State University remained steady at $53 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Alcorn State University?

The car insurance in Alcorn State University is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Alcorn State University?

The cheapest car insurance in Alcorn State University is $77 per month for full coverage.

How much is car insurance in Alcorn State University for teenagers?

Car insurance for teenagers costs $227 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alcorn State University?

The average cost of car insurance is $868 for a six-month policy. It will cost around $169 per month to insure your car in Alcorn State University.

Is car insurance expensive in Alcorn State University?

Car insurance can be expensive in Alcorn State University if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alcorn State University can be affordable.

What is the best car insurance in Alcorn State University, MS?

The best car insurance company in Alcorn State University MS is Direct General Insurance, offering $448 for a six-month policy.