Cheapest Car Insurance Quotes in Brooksville

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Brooksville Car Insurance

^$ 25

/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 Brooksville

The car insurance rate in Brooksville is $851 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Brooksville 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 Brooksville

$851

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Brooksville

1st place: Direct General Insurance

At $378 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 $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $705 for six months, making it the third cheapest auto insurance company in Brooksville.

Brooksville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brooksville, MS is Direct General Insurance, offering policies at just $378 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $419.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1299 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brooksville drivers find the best deals.

Cheap Car Insurance Companies in Brooksville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$378	$65
Mississippi Farm Bureau	$419	$70
USAA	$705	$119
Travelers	$722	$122
State Farm	$745	$125
Farm Bureau	$774	$129
National Farmers Union Insurance	$780	$132
Nationwide	$931	$157
Progressive	$984	$166
Shelter	$1013	$171
Allstate	$1129	$192
Farmers	$1182	$197
Safeway	$1299	$221

Key Takeaways

Way's key takeaways about car insurance in Brooksville

The auto insurance costs in Brooksville fall around $378 for six months.
The cheapest auto insurance company in Brooksville is Direct General Insurance.
Teen drivers pay the highest rate in Brooksville at $852 per month.

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Cheapest Minimum Liability Car Insurance in Brooksville

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 Brooksville are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Brooksville. Their Average 6 Month Premium is $151. Farmers is the most expensive at $518 for the same period.

Cheapest Liability Coverage in Brooksville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$151	$25
Mississippi Farm Bureau	$157	$26
National Farmers Union Insurance	$157	$26
State Farm	$180	$30
USAA	$192	$32
Farm Bureau	$244	$41
Progressive	$250	$42
Safeway	$297	$51
Travelers	$303	$51
Shelter	$349	$59
Nationwide	$361	$61
Allstate	$431	$73
Farmers	$518	$86

Cheapest Full Coverage Car Insurance in Brooksville

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 Brooksville is Direct General Insurance at $65 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brooksville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$378	$65
Mississippi Farm Bureau	$419	$70
USAA	$705	$119
Travelers	$722	$122
State Farm	$745	$125
Farm Bureau	$774	$129
National Farmers Union Insurance	$780	$132
Nationwide	$931	$157
Progressive	$984	$166
Shelter	$1013	$171
Allstate	$1129	$192
Farmers	$1182	$197
Safeway	$1299	$221

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Average Car Insurance in Brooksville 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 Brooksville, MS increasing?

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

Car Insurance Premiums by Age in Brooksville

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 Brooksville,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 Brooksville at $32 per month. At $5111 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	$192	$32
National General	$198	$33
Mississippi Farm Bureau	$216	$36
State Farm	$663	$112
USAA	$745	$125
Travelers	$908	$153
Farm Bureau	$1333	$226
Progressive	$1595	$269
Shelter	$2568	$436
Farmers	$3574	$596
Allstate	$4011	$682
Nationwide	$5111	$852

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 Brooksville, Direct General Insurance is the cheapest car insurance provider. At $192 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 Brooksville is Farmers, offering rates of around $3487 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$192	$32
Mississippi Farm Bureau	$273	$46
Travelers	$891	$150
Progressive	$897	$151
USAA	$1083	$184
Nationwide	$1123	$189
Farm Bureau	$1327	$225
Allstate	$1810	$302
Shelter	$2311	$393
State Farm	$2812	$468
Farmers	$3487	$593

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Car Insurance Rates with An Accident in Brooksville

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

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

The cheapest car insurance companies after an at-fault accident in Brooksville include Mississippi Farm Bureau and Direct General Insurance, offering $216 and $309, respectively. Farmers is an expensive provider with an average six-month premium of $2823.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$216	$36
Direct General Insurance	$309	$53
National General	$315	$52
State Farm	$332	$56
Safeway	$355	$59
USAA	$390	$66
Shelter	$570	$96
Travelers	$594	$100
Progressive	$652	$110
Farm Bureau	$996	$170
Nationwide	$1269	$214
Allstate	$1665	$283
Farmers	$2823	$470

Brooksville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brooksville MS. For example, the car insurance in Brooksville after a DUI increases to $716 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Brooksville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1036	$172
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1083	$180
One comp claim	$1106	$188
Two Med/PIP claims	$1112	$185
Driving without lights	$1194	$203
Two comp claims	$1200	$200
Failure to show documents	$1234	$210
Failure to wear a seat belt	$1234	$206
Child safety restraint	$1240	$211
Driving with expired registration	$1240	$207
Driving too slowly	$1251	$213
Failure to stop at a red light	$1251	$209
Speeding in school zone	$1251	$213
Cell phone violation	$1263	$211
Improper passing	$1269	$216
Texting while driving	$1269	$212
Wrong way/wrong lane	$1269	$216
Speeding 6 - 10 MPH over limit	$1275	$213
Failure to yield	$1281	$218
Speeding 11 - 15 MPH over limit	$1281	$214
Following too closely	$1287	$219
Illegal turn	$1287	$215
Speeding 16 - 20 MPH over limit	$1287	$219
Speeding 21 - 25 MPH over limit	$1299	$217
Passing school bus	$1310	$222
In 65 MPH zone	$1345	$224
At-fault accident - less than $1000	$1408	$239
Operating a vehicle without permission	$1420	$237
Open container	$1461	$249
At-fault accident - $1000-$2000	$1519	$253
At-fault accident - greater than $2000	$1519	$259
Driving with a suspended license	$1584	$264
Reckless driving	$1584	$270
Refusal to submit to a chemical test	$1735	$289
DUI	$1752	$298
Racing	$1770	$295
Leaving scene of an accident/hit and run	$1782	$303

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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 Brooksville 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 Brooksville.

The cheapest car insurance premiums in Brooksville are offered by Mississippi Farm Bureau at $303 for a six-month policy. However, it can be as expensive as $2823 with companies like Farmers.

Brooksville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$303	$52
Direct General Insurance	$309	$51
National General	$315	$54
State Farm	$722	$122
Travelers	$757	$127
Progressive	$774	$130
USAA	$1002	$169
Farm Bureau	$1257	$210
Shelter	$1491	$251
Allstate	$1584	$267
Nationwide	$1612	$271
Farmers	$2823	$470

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 Brooksville are offered by Mississippi Farm Bureau at $174. However, it can be as expensive as $1694 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Brooksville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$174	$29
Direct General Insurance	$244	$41
State Farm	$384	$65
Progressive	$675	$114
USAA	$733	$123
Farm Bureau	$832	$141
Travelers	$1030	$172
Shelter	$1222	$208
Allstate	$1246	$208
Farmers	$1479	$252
Nationwide	$1694	$282

Car Insurance Price Trends in Brooksville, Mississippi

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

The average cost of full coverage in the Brooksville remained steady at $200 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Brooksville remained steady at $45 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 Brooksville?

The car insurance in Brooksville is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Brooksville?

The cheapest car insurance in Brooksville is $65 per month for full coverage.

How much is car insurance in Brooksville for teenagers?

Car insurance for teenagers costs $192 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 Brooksville?

The average cost of car insurance is $868 for a six-month policy. It will cost around $143 per month to insure your car in Brooksville.

Is car insurance expensive in Brooksville?

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

What is the best car insurance in Brooksville, MS?

The best car insurance company in Brooksville MS is Direct General Insurance, offering $378 for a six-month policy.