Cheapest Car Insurance Quotes in Calhoun City

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Calhoun City 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 Calhoun City

The car insurance rate in Calhoun City is $825 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Calhoun City 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 Calhoun City

$825

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Calhoun City

1st place: Direct General Insurance

At $367 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 $407 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $683 for six months, making it the third cheapest auto insurance company in Calhoun City.

Calhoun City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Calhoun City, MS is Direct General Insurance, offering policies at just $367 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $407.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1259 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Calhoun City drivers find the best deals.

Cheap Car Insurance Companies in Calhoun City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$367	$63
Mississippi Farm Bureau	$407	$67
USAA	$683	$115
Travelers	$700	$118
State Farm	$722	$122
Farm Bureau	$751	$125
National Farmers Union Insurance	$756	$128
Nationwide	$903	$152
Progressive	$954	$161
Shelter	$982	$165
Allstate	$1094	$186
Farmers	$1146	$191
Safeway	$1259	$214

Key Takeaways

Way's key takeaways about car insurance in Calhoun City

The auto insurance costs in Calhoun City fall around $367 for six months.
The cheapest auto insurance company in Calhoun City is Direct General Insurance.
Teen drivers pay the highest rate in Calhoun City at $826 per month.

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Cheapest Minimum Liability Car Insurance in Calhoun City

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 Calhoun City are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Calhoun City. Their Average 6 Month Premium is $146. Farmers is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Calhoun City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$146	$25
Mississippi Farm Bureau	$152	$26
National Farmers Union Insurance	$152	$26
State Farm	$175	$29
USAA	$186	$31
Farm Bureau	$237	$40
Progressive	$242	$41
Safeway	$288	$49
Travelers	$294	$49
Shelter	$338	$57
Nationwide	$350	$59
Allstate	$418	$70
Farmers	$503	$84

Cheapest Full Coverage Car Insurance in Calhoun City

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 Calhoun City is Direct General Insurance at $63 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Calhoun City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$367	$63
Mississippi Farm Bureau	$407	$67
USAA	$683	$115
Travelers	$700	$118
State Farm	$722	$122
Farm Bureau	$751	$125
National Farmers Union Insurance	$756	$128
Nationwide	$903	$152
Progressive	$954	$161
Shelter	$982	$165
Allstate	$1094	$186
Farmers	$1146	$191
Safeway	$1259	$214

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Average Car Insurance in Calhoun City 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 Calhoun City, MS increasing?

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

Car Insurance Premiums by Age in Calhoun City

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 Calhoun City,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 Calhoun City at $31 per month. At $4954 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	$186	$31
National General	$192	$32
Mississippi Farm Bureau	$209	$35
State Farm	$643	$108
USAA	$722	$122
Travelers	$881	$148
Farm Bureau	$1292	$219
Progressive	$1547	$260
Shelter	$2489	$423
Farmers	$3465	$578
Allstate	$3888	$661
Nationwide	$4954	$826

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 Calhoun City, Direct General Insurance is the cheapest car insurance provider. At $186 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 Calhoun City is Farmers, offering rates of around $3380 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$186	$31
Mississippi Farm Bureau	$265	$45
Travelers	$864	$145
Progressive	$869	$146
USAA	$1050	$179
Nationwide	$1089	$183
Farm Bureau	$1286	$219
Allstate	$1755	$293
Shelter	$2240	$381
State Farm	$2726	$454
Farmers	$3380	$575

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Car Insurance Rates with An Accident in Calhoun City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Calhoun City

The cheapest car insurance companies after an at-fault accident in Calhoun City include Mississippi Farm Bureau and Direct General Insurance, offering $209 and $299, respectively. Farmers is an expensive provider with an average six-month premium of $2737.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$209	$35
Direct General Insurance	$299	$51
National General	$305	$50
State Farm	$322	$54
Safeway	$344	$57
USAA	$378	$64
Shelter	$553	$93
Travelers	$576	$97
Progressive	$632	$106
Farm Bureau	$965	$164
Nationwide	$1230	$207
Allstate	$1614	$275
Farmers	$2737	$456

Calhoun City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Calhoun City MS. For example, the car insurance in Calhoun City after a DUI increases to $695 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Calhoun City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1004	$167
One Med/PIP claim	$1004	$171
Not-at-fault accident	$1050	$175
One comp claim	$1073	$182
Two Med/PIP claims	$1078	$180
Driving without lights	$1157	$197
Two comp claims	$1163	$194
Failure to show documents	$1196	$203
Failure to wear a seat belt	$1196	$200
Child safety restraint	$1202	$204
Driving with expired registration	$1202	$200
Driving too slowly	$1213	$206
Failure to stop at a red light	$1213	$202
Speeding in school zone	$1213	$206
Cell phone violation	$1225	$204
Improper passing	$1230	$209
Texting while driving	$1230	$205
Wrong way/wrong lane	$1230	$209
Speeding 6 - 10 MPH over limit	$1236	$206
Failure to yield	$1242	$211
Speeding 11 - 15 MPH over limit	$1242	$207
Following too closely	$1247	$212
Illegal turn	$1247	$208
Speeding 16 - 20 MPH over limit	$1247	$212
Speeding 21 - 25 MPH over limit	$1259	$210
Passing school bus	$1270	$216
In 65 MPH zone	$1303	$218
At-fault accident - less than $1000	$1365	$232
Operating a vehicle without permission	$1377	$230
Open container	$1416	$241
At-fault accident - $1000-$2000	$1473	$245
At-fault accident - greater than $2000	$1473	$251
Driving with a suspended license	$1535	$256
Reckless driving	$1535	$261
Refusal to submit to a chemical test	$1682	$280
DUI	$1699	$289
Racing	$1716	$286
Leaving scene of an accident/hit and run	$1727	$294

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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 Calhoun City 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 Calhoun City.

The cheapest car insurance premiums in Calhoun City are offered by Mississippi Farm Bureau at $294 for a six-month policy. However, it can be as expensive as $2737 with companies like Farmers.

Calhoun City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$294	$50
Direct General Insurance	$299	$49
National General	$305	$52
State Farm	$700	$118
Travelers	$733	$124
Progressive	$751	$126
USAA	$971	$163
Farm Bureau	$1219	$203
Shelter	$1445	$243
Allstate	$1535	$258
Nationwide	$1563	$263
Farmers	$2737	$456

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 Calhoun City are offered by Mississippi Farm Bureau at $169. However, it can be as expensive as $1643 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Calhoun City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$169	$29
Direct General Insurance	$237	$40
State Farm	$372	$63
Progressive	$655	$110
USAA	$711	$119
Farm Bureau	$807	$137
Travelers	$998	$166
Shelter	$1185	$201
Allstate	$1207	$201
Farmers	$1434	$244
Nationwide	$1643	$274

Car Insurance Price Trends in Calhoun City, Mississippi

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

The average cost of full coverage in the Calhoun City remained steady at $194 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Calhoun City remained steady at $44 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 Calhoun City?

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

What is the cheapest car insurance in Calhoun City?

The cheapest car insurance in Calhoun City is $63 per month for full coverage.

How much is car insurance in Calhoun City for teenagers?

Car insurance for teenagers costs $186 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 Calhoun City?

The average cost of car insurance is $868 for a six-month policy. It will cost around $139 per month to insure your car in Calhoun City.

Is car insurance expensive in Calhoun City?

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

What is the best car insurance in Calhoun City, MS?

The best car insurance company in Calhoun City MS is Direct General Insurance, offering $367 for a six-month policy.