Cheapest Car Insurance Quotes in Cloverdale

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Cloverdale Car Insurance

^$ 28

/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 Cloverdale

The car insurance rate in Cloverdale is $1068 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $421, making it a popular choice for budget-conscious drivers. Rates in Cloverdale 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 Cloverdale

$1068

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Cloverdale

1st place: Direct General Insurance

At $421 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 $467 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $810 for six months, making it the third cheapest auto insurance company in Cloverdale.

Cloverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cloverdale, MS is Direct General Insurance, offering policies at just $421 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $467.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1858 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cloverdale drivers find the best deals.

Cheap Car Insurance Companies in Cloverdale, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$421	$72
Mississippi Farm Bureau	$467	$77
USAA	$810	$136
Travelers	$841	$142
National Farmers Union Insurance	$868	$147
State Farm	$900	$152
Nationwide	$1121	$189
Shelter	$1146	$193
Farm Bureau	$1198	$204
Progressive	$1224	$206
Safeway	$1444	$245
Allstate	$1592	$266
Farmers	$1858	$316

Key Takeaways

Way's key takeaways about car insurance in Cloverdale

The auto insurance costs in Cloverdale fall around $421 for six months.
The cheapest auto insurance company in Cloverdale is Direct General Insurance.
Teen drivers pay the highest rate in Cloverdale at $948 per month.

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Cheapest Minimum Liability Car Insurance in Cloverdale

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 Cloverdale are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Cloverdale. Their Average 6 Month Premium is $168. Farmers is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Cloverdale, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$168	$28
Mississippi Farm Bureau	$174	$29
National Farmers Union Insurance	$174	$29
State Farm	$214	$36
USAA	$220	$37
Progressive	$291	$49
Farm Bureau	$330	$55
Safeway	$330	$57
Travelers	$337	$57
Shelter	$382	$64
Nationwide	$421	$71
Allstate	$537	$90
Farmers	$634	$106

Cheapest Full Coverage Car Insurance in Cloverdale

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 Cloverdale is Direct General Insurance at $72 per month and $421 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cloverdale, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$421	$72
Mississippi Farm Bureau	$467	$77
USAA	$810	$136
Travelers	$841	$142
National Farmers Union Insurance	$868	$147
State Farm	$900	$152
Nationwide	$1121	$189
Shelter	$1146	$193
Farm Bureau	$1198	$204
Progressive	$1224	$206
Safeway	$1444	$245
Allstate	$1592	$266
Farmers	$1858	$316

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Average Car Insurance in Cloverdale 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 Cloverdale, MS increasing?

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

Car Insurance Premiums by Age in Cloverdale

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 Cloverdale,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 Cloverdale at $36 per month. At $5691 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	$214	$36
National General	$220	$37
Mississippi Farm Bureau	$240	$40
USAA	$932	$157
State Farm	$1029	$173
Travelers	$1094	$184
Farm Bureau	$2066	$351
Progressive	$2098	$353
Shelter	$2946	$501
Nationwide	$5607	$934
Allstate	$5678	$966
Farmers	$5691	$948

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 Cloverdale, Direct General Insurance is the cheapest car insurance provider. At $214 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 Cloverdale is Farmers, offering rates of around $5484 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$214	$36
Mississippi Farm Bureau	$304	$51
Travelers	$1094	$184
Progressive	$1172	$197
USAA	$1347	$229
Nationwide	$1775	$299
Farm Bureau	$2376	$404
Allstate	$2609	$435
Shelter	$2674	$455
State Farm	$4733	$789
Farmers	$5484	$932

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Car Insurance Rates with An Accident in Cloverdale

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

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

The cheapest car insurance companies after an at-fault accident in Cloverdale include Mississippi Farm Bureau and Direct General Insurance, offering $240 and $343, respectively. Farmers is an expensive provider with an average six-month premium of $4468.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$240	$40
Direct General Insurance	$343	$59
National General	$350	$58
Safeway	$395	$68
State Farm	$414	$70
USAA	$460	$77
Shelter	$647	$109
Travelers	$718	$121
Progressive	$894	$150
Farm Bureau	$1554	$264
Nationwide	$1787	$301
Allstate	$2357	$401
Farmers	$4468	$744

Cloverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cloverdale MS. For example, the car insurance in Cloverdale after a DUI increases to $797 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Cloverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One Med/PIP claim	$1152	$196
Not-at-fault accident	$1204	$201
One comp claim	$1231	$209
Two Med/PIP claims	$1237	$206
Driving without lights	$1328	$226
Two comp claims	$1334	$222
Failure to show documents	$1372	$233
Failure to wear a seat belt	$1372	$229
Child safety restraint	$1379	$234
Driving with expired registration	$1379	$230
Driving too slowly	$1392	$237
Failure to stop at a red light	$1392	$232
Speeding in school zone	$1392	$237
Cell phone violation	$1405	$234
Improper passing	$1412	$240
Texting while driving	$1412	$235
Wrong way/wrong lane	$1412	$240
Speeding 6 - 10 MPH over limit	$1418	$237
Failure to yield	$1425	$242
Speeding 11 - 15 MPH over limit	$1425	$238
Following too closely	$1431	$243
Illegal turn	$1431	$239
Speeding 16 - 20 MPH over limit	$1431	$243
Speeding 21 - 25 MPH over limit	$1444	$241
Passing school bus	$1457	$247
In 65 MPH zone	$1495	$250
At-fault accident - less than $1000	$1566	$266
Operating a vehicle without permission	$1579	$264
Open container	$1625	$277
At-fault accident - $1000-$2000	$1690	$281
At-fault accident - greater than $2000	$1690	$288
Driving with a suspended license	$1761	$293
Reckless driving	$1761	$300
Refusal to submit to a chemical test	$1929	$322
DUI	$1949	$331
Racing	$1969	$328
Leaving scene of an accident/hit and run	$1982	$337

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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 Cloverdale 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 Cloverdale.

The cheapest car insurance premiums in Cloverdale are offered by Mississippi Farm Bureau at $337 for a six-month policy. However, it can be as expensive as $4468 with companies like Farmers.

Cloverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$337	$58
Direct General Insurance	$343	$57
National General	$350	$60
Travelers	$887	$149
Progressive	$945	$159
State Farm	$984	$166
USAA	$1165	$196
Shelter	$1676	$282
Farm Bureau	$1975	$336
Allstate	$2007	$338
Nationwide	$2370	$399
Farmers	$4468	$744

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 Cloverdale are offered by Mississippi Farm Bureau at $194. However, it can be as expensive as $2616 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cloverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$194	$33
Direct General Insurance	$271	$46
State Farm	$595	$100
USAA	$919	$156
Progressive	$945	$159
Farm Bureau	$1288	$219
Travelers	$1308	$218
Shelter	$1398	$238
Allstate	$1761	$293
Farmers	$2330	$397
Nationwide	$2616	$436

Car Insurance Price Trends in Cloverdale, Mississippi

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

The average cost of full coverage in the Cloverdale rose by $258 in January compared to $222 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Cloverdale rose to $52 in January, compared to $50 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 Cloverdale?

The car insurance in Cloverdale is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Cloverdale?

The cheapest car insurance in Cloverdale is $72 per month for full coverage.

How much is car insurance in Cloverdale for teenagers?

Car insurance for teenagers costs $214 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 Cloverdale?

The average cost of car insurance is $980 for a six-month policy. It will cost around $180 per month to insure your car in Cloverdale.

Is car insurance expensive in Cloverdale?

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

What is the best car insurance in Cloverdale, MS?

The best car insurance company in Cloverdale MS is Direct General Insurance, offering $421 for a six-month policy.