Cheapest Car Insurance Quotes in Centreville

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Centreville Car Insurance

^$ 29

/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 Centreville

The car insurance rate in Centreville is $1088 for a six-month policy, which is $108 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Centreville 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 Centreville

$1088

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Centreville

1st place: Direct General Insurance

At $428 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 $475 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $825 for six months, making it the third cheapest auto insurance company in Centreville.

Centreville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centreville, MS is Direct General Insurance, offering policies at just $428 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $475.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centreville drivers find the best deals.

Cheap Car Insurance Companies in Centreville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$428	$73
Mississippi Farm Bureau	$475	$79
USAA	$825	$139
Travelers	$857	$144
National Farmers Union Insurance	$884	$150
State Farm	$917	$154
Nationwide	$1141	$192
Shelter	$1167	$196
Farm Bureau	$1220	$208
Progressive	$1247	$210
Safeway	$1471	$250
Allstate	$1622	$271
Farmers	$1893	$322

Key Takeaways

Way's key takeaways about car insurance in Centreville

The auto insurance costs in Centreville fall around $428 for six months.
The cheapest auto insurance company in Centreville is Direct General Insurance.
Teen drivers pay the highest rate in Centreville at $966 per month.

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Cheapest Minimum Liability Car Insurance in Centreville

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 Centreville are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Centreville. Their Average 6 Month Premium is $171. Farmers is the most expensive at $646 for the same period.

Cheapest Liability Coverage in Centreville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$171	$29
Mississippi Farm Bureau	$178	$30
National Farmers Union Insurance	$178	$30
State Farm	$218	$37
USAA	$224	$38
Progressive	$296	$50
Farm Bureau	$336	$56
Safeway	$336	$58
Travelers	$343	$58
Shelter	$389	$65
Nationwide	$428	$72
Allstate	$547	$92
Farmers	$646	$108

Cheapest Full Coverage Car Insurance in Centreville

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 Centreville is Direct General Insurance at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centreville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$428	$73
Mississippi Farm Bureau	$475	$79
USAA	$825	$139
Travelers	$857	$144
National Farmers Union Insurance	$884	$150
State Farm	$917	$154
Nationwide	$1141	$192
Shelter	$1167	$196
Farm Bureau	$1220	$208
Progressive	$1247	$210
Safeway	$1471	$250
Allstate	$1622	$271
Farmers	$1893	$322

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Average Car Insurance in Centreville 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 Centreville, MS increasing?

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

Car Insurance Premiums by Age in Centreville

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 Centreville,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 Centreville at $37 per month. At $5795 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$218	$37
National General	$224	$38
Mississippi Farm Bureau	$244	$41
USAA	$949	$160
State Farm	$1048	$176
Travelers	$1114	$188
Farm Bureau	$2103	$357
Progressive	$2137	$360
Shelter	$3000	$511
Nationwide	$5710	$951
Allstate	$5782	$983
Farmers	$5795	$966

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 Centreville, Direct General Insurance is the cheapest car insurance provider. At $218 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 Centreville is Farmers, offering rates of around $5584 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$218	$37
Mississippi Farm Bureau	$310	$52
Travelers	$1114	$188
Progressive	$1193	$201
USAA	$1372	$233
Nationwide	$1807	$304
Farm Bureau	$2420	$412
Allstate	$2657	$443
Shelter	$2723	$463
State Farm	$4820	$804
Farmers	$5584	$949

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Car Insurance Rates with An Accident in Centreville

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

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

The cheapest car insurance companies after an at-fault accident in Centreville include Mississippi Farm Bureau and Direct General Insurance, offering $244 and $350, respectively. Farmers is an expensive provider with an average six-month premium of $4550.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$244	$41
Direct General Insurance	$350	$60
National General	$356	$59
Safeway	$402	$69
State Farm	$422	$71
USAA	$468	$79
Shelter	$659	$111
Travelers	$731	$123
Progressive	$910	$153
Farm Bureau	$1583	$269
Nationwide	$1819	$306
Allstate	$2400	$408
Farmers	$4550	$758

Centreville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centreville MS. For example, the car insurance in Centreville after a DUI increases to $812 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Centreville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1173	$195
One Med/PIP claim	$1173	$200
Not-at-fault accident	$1227	$204
One comp claim	$1253	$213
Two Med/PIP claims	$1260	$210
Driving without lights	$1352	$230
Two comp claims	$1359	$226
Failure to show documents	$1397	$238
Failure to wear a seat belt	$1397	$233
Child safety restraint	$1404	$239
Driving with expired registration	$1404	$234
Driving too slowly	$1417	$241
Failure to stop at a red light	$1417	$236
Speeding in school zone	$1417	$241
Cell phone violation	$1431	$239
Improper passing	$1437	$244
Texting while driving	$1437	$240
Wrong way/wrong lane	$1437	$244
Speeding 6 - 10 MPH over limit	$1444	$241
Failure to yield	$1451	$246
Speeding 11 - 15 MPH over limit	$1451	$242
Following too closely	$1457	$248
Illegal turn	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Speeding 21 - 25 MPH over limit	$1471	$245
Passing school bus	$1484	$252
In 65 MPH zone	$1523	$254
At-fault accident - less than $1000	$1595	$271
Operating a vehicle without permission	$1608	$269
Open container	$1655	$282
At-fault accident - $1000-$2000	$1721	$286
At-fault accident - greater than $2000	$1721	$293
Driving with a suspended license	$1794	$299
Reckless driving	$1794	$305
Refusal to submit to a chemical test	$1965	$327
DUI	$1985	$337
Racing	$2005	$334
Leaving scene of an accident/hit and run	$2018	$343

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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 Centreville 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 Centreville.

The cheapest car insurance premiums in Centreville are offered by Mississippi Farm Bureau at $343 for a six-month policy. However, it can be as expensive as $4550 with companies like Farmers.

Centreville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$343	$59
Direct General Insurance	$350	$58
National General	$356	$61
Travelers	$904	$152
Progressive	$962	$162
State Farm	$1002	$169
USAA	$1187	$200
Shelter	$1707	$287
Farm Bureau	$2011	$342
Allstate	$2044	$344
Nationwide	$2413	$406
Farmers	$4550	$758

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 Centreville are offered by Mississippi Farm Bureau at $198. However, it can be as expensive as $2664 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Centreville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$198	$33
Direct General Insurance	$276	$47
State Farm	$606	$102
USAA	$936	$159
Progressive	$962	$162
Farm Bureau	$1312	$223
Travelers	$1332	$222
Shelter	$1424	$242
Allstate	$1794	$299
Farmers	$2373	$404
Nationwide	$2664	$444

Car Insurance Price Trends in Centreville, Mississippi

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

The average cost of full coverage in the Centreville rose by $263 in January compared to $226 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Centreville rose to $53 in January, compared to $51 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Centreville?

The car insurance in Centreville is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Centreville?

The cheapest car insurance in Centreville is $73 per month for full coverage.

How much is car insurance in Centreville for teenagers?

Car insurance for teenagers costs $218 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 Centreville?

The average cost of car insurance is $980 for a six-month policy. It will cost around $183 per month to insure your car in Centreville.

Is car insurance expensive in Centreville?

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

What is the best car insurance in Centreville, MS?

The best car insurance company in Centreville MS is Direct General Insurance, offering $428 for a six-month policy.