Cheapest Car Insurance Quotes in Alligator

Finding the cheapest car insurance quotes in Alligator shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Alligator Car Insurance

^$ 26

/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 Alligator

The car insurance rate in Alligator is $877 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Alligator 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 Alligator

$877

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Alligator

1st place: Direct General Insurance

At $390 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 $432 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $726 for six months, making it the third cheapest auto insurance company in Alligator.

Alligator Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alligator, MS is Direct General Insurance, offering policies at just $390 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $432.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1338 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alligator drivers find the best deals.

Cheap Car Insurance Companies in Alligator, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$390	$67
Mississippi Farm Bureau	$432	$72
USAA	$726	$122
Travelers	$744	$125
State Farm	$768	$129
Farm Bureau	$798	$133
National Farmers Union Insurance	$804	$136
Nationwide	$960	$162
Progressive	$1014	$171
Shelter	$1044	$176
Allstate	$1164	$198
Farmers	$1218	$203
Safeway	$1338	$227

Key Takeaways

Way's key takeaways about car insurance in Alligator

The auto insurance costs in Alligator fall around $390 for six months.
The cheapest auto insurance company in Alligator is Direct General Insurance.
Teen drivers pay the highest rate in Alligator at $878 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Alligator

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 Alligator are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Alligator. Their Average 6 Month Premium is $156. Farmers is the most expensive at $534 for the same period.

Cheapest Liability Coverage in Alligator, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$156	$26
Mississippi Farm Bureau	$162	$27
National Farmers Union Insurance	$162	$27
State Farm	$186	$31
USAA	$198	$33
Farm Bureau	$251	$42
Progressive	$258	$43
Safeway	$306	$53
Travelers	$312	$53
Shelter	$360	$61
Nationwide	$372	$63
Allstate	$444	$75
Farmers	$534	$89

Cheapest Full Coverage Car Insurance in Alligator

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 Alligator is Direct General Insurance at $67 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alligator, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$390	$67
Mississippi Farm Bureau	$432	$72
USAA	$726	$122
Travelers	$744	$125
State Farm	$768	$129
Farm Bureau	$798	$133
National Farmers Union Insurance	$804	$136
Nationwide	$960	$162
Progressive	$1014	$171
Shelter	$1044	$176
Allstate	$1164	$198
Farmers	$1218	$203
Safeway	$1338	$227

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Alligator Instantly!

Average Car Insurance in Alligator 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 Alligator, MS increasing?

Despite maintaining a clean driving record, your car insurance rates in Alligator, 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, Alligator's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alligator

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Alligator,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 Alligator at $33 per month. At $5267 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	$198	$33
National General	$204	$34
Mississippi Farm Bureau	$222	$37
State Farm	$684	$115
USAA	$768	$129
Travelers	$936	$158
Farm Bureau	$1374	$233
Progressive	$1644	$277
Shelter	$2646	$449
Farmers	$3683	$614
Allstate	$4134	$703
Nationwide	$5267	$878

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 Alligator, Direct General Insurance is the cheapest car insurance provider. At $198 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 Alligator is Farmers, offering rates of around $3594 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$198	$33
Mississippi Farm Bureau	$282	$47
Travelers	$918	$155
Progressive	$924	$156
USAA	$1116	$190
Nationwide	$1157	$195
Farm Bureau	$1368	$232
Allstate	$1865	$311
Shelter	$2382	$405
State Farm	$2898	$483
Farmers	$3594	$611

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Alligator.

Car Insurance Rates with An Accident in Alligator

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 Alligator, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alligator

The cheapest car insurance companies after an at-fault accident in Alligator include Mississippi Farm Bureau and Direct General Insurance, offering $222 and $318, respectively. Farmers is an expensive provider with an average six-month premium of $2910.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$222	$37
Direct General Insurance	$318	$55
National General	$324	$54
State Farm	$342	$58
Safeway	$366	$61
USAA	$402	$68
Shelter	$588	$99
Travelers	$612	$103
Progressive	$672	$113
Farm Bureau	$1026	$175
Nationwide	$1308	$220
Allstate	$1716	$292
Farmers	$2910	$485

Alligator Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alligator MS. For example, the car insurance in Alligator after a DUI increases to $738 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Alligator auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1068	$178
One Med/PIP claim	$1068	$182
Not-at-fault accident	$1116	$186
One comp claim	$1140	$194
Two Med/PIP claims	$1146	$191
Driving without lights	$1230	$209
Two comp claims	$1236	$206
Failure to show documents	$1272	$216
Failure to wear a seat belt	$1272	$212
Child safety restraint	$1278	$217
Driving with expired registration	$1278	$213
Driving too slowly	$1290	$219
Failure to stop at a red light	$1290	$215
Speeding in school zone	$1290	$219
Cell phone violation	$1302	$217
Improper passing	$1308	$222
Texting while driving	$1308	$218
Wrong way/wrong lane	$1308	$222
Speeding 6 - 10 MPH over limit	$1314	$219
Failure to yield	$1320	$224
Speeding 11 - 15 MPH over limit	$1320	$220
Following too closely	$1326	$225
Illegal turn	$1326	$221
Speeding 16 - 20 MPH over limit	$1326	$225
Speeding 21 - 25 MPH over limit	$1338	$223
Passing school bus	$1350	$229
In 65 MPH zone	$1386	$231
At-fault accident - less than $1000	$1451	$246
Operating a vehicle without permission	$1463	$244
Open container	$1506	$257
At-fault accident - $1000-$2000	$1566	$261
At-fault accident - greater than $2000	$1566	$267
Driving with a suspended license	$1632	$272
Reckless driving	$1632	$278
Refusal to submit to a chemical test	$1788	$298
DUI	$1806	$307
Racing	$1824	$304
Leaving scene of an accident/hit and run	$1836	$312

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Alligator 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 Alligator.

The cheapest car insurance premiums in Alligator are offered by Mississippi Farm Bureau at $312 for a six-month policy. However, it can be as expensive as $2910 with companies like Farmers.

Alligator car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$312	$54
Direct General Insurance	$318	$53
National General	$324	$56
State Farm	$744	$125
Travelers	$780	$131
Progressive	$798	$134
USAA	$1032	$174
Farm Bureau	$1296	$216
Shelter	$1536	$259
Allstate	$1632	$275
Nationwide	$1661	$280
Farmers	$2910	$485

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 Alligator are offered by Mississippi Farm Bureau at $180. However, it can be as expensive as $1746 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Alligator after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$180	$30
Direct General Insurance	$251	$42
State Farm	$396	$67
Progressive	$696	$117
USAA	$755	$126
Farm Bureau	$857	$145
Travelers	$1062	$177
Shelter	$1259	$214
Allstate	$1284	$214
Farmers	$1524	$260
Nationwide	$1746	$291

Car Insurance Price Trends in Alligator, Mississippi

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

The average cost of full coverage in the Alligator remained steady at $206 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Alligator remained steady at $46 in both November and October, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Alligator?

The car insurance in Alligator is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Alligator?

The cheapest car insurance in Alligator is $67 per month for full coverage.

How much is car insurance in Alligator for teenagers?

Car insurance for teenagers costs $198 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 Alligator?

The average cost of car insurance is $868 for a six-month policy. It will cost around $147 per month to insure your car in Alligator.

Is car insurance expensive in Alligator?

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

What is the best car insurance in Alligator, MS?

The best car insurance company in Alligator MS is Direct General Insurance, offering $390 for a six-month policy.