Cheapest Car Insurance Quotes in Cloverdale

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Cloverdale 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 Cloverdale

The car insurance rate in Cloverdale is $955 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $425, 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

$955

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Cloverdale

1st place: Direct General Insurance

At $425 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 $471 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $791 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 $425 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $471.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1458 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	$425	$73
Mississippi Farm Bureau	$471	$78
USAA	$791	$133
Travelers	$811	$136
State Farm	$836	$141
Farm Bureau	$869	$145
National Farmers Union Insurance	$876	$149
Nationwide	$1045	$176
Progressive	$1104	$186
Shelter	$1137	$191
Allstate	$1267	$216
Farmers	$1327	$221
Safeway	$1458	$248

Key Takeaways

Way's key takeaways about car insurance in Cloverdale

The auto insurance costs in Cloverdale fall around $425 for six months.
The cheapest auto insurance company in Cloverdale is Direct General Insurance.
Teen drivers pay the highest rate in Cloverdale at $956 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 $169. Farmers is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Cloverdale, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$169	$29
Mississippi Farm Bureau	$176	$30
National Farmers Union Insurance	$176	$30
State Farm	$202	$34
USAA	$216	$36
Farm Bureau	$274	$46
Progressive	$281	$47
Safeway	$333	$57
Travelers	$340	$57
Shelter	$392	$66
Nationwide	$405	$68
Allstate	$484	$81
Farmers	$582	$97

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 $73 per month and $425 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cloverdale, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$425	$73
Mississippi Farm Bureau	$471	$78
USAA	$791	$133
Travelers	$811	$136
State Farm	$836	$141
Farm Bureau	$869	$145
National Farmers Union Insurance	$876	$149
Nationwide	$1045	$176
Progressive	$1104	$186
Shelter	$1137	$191
Allstate	$1267	$216
Farmers	$1327	$221
Safeway	$1458	$248

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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 $5737 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	$216	$36
National General	$222	$37
Mississippi Farm Bureau	$242	$41
State Farm	$745	$125
USAA	$836	$141
Travelers	$1020	$172
Farm Bureau	$1496	$254
Progressive	$1791	$301
Shelter	$2882	$490
Farmers	$4012	$669
Allstate	$4502	$766
Nationwide	$5737	$956

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 $216 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 $3914 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$216	$36
Mississippi Farm Bureau	$307	$52
Travelers	$1000	$168
Progressive	$1007	$169
USAA	$1216	$207
Nationwide	$1261	$212
Farm Bureau	$1489	$253
Allstate	$2032	$339
Shelter	$2594	$441
State Farm	$3156	$526
Farmers	$3914	$666

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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 $242 and $347, respectively. Farmers is an expensive provider with an average six-month premium of $3169.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$242	$41
Direct General Insurance	$347	$59
National General	$353	$58
State Farm	$373	$63
Safeway	$398	$66
USAA	$438	$74
Shelter	$640	$108
Travelers	$667	$112
Progressive	$732	$123
Farm Bureau	$1118	$190
Nationwide	$1425	$240
Allstate	$1869	$318
Farmers	$3169	$528

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 $804 for a six month policy. While the rate increases by $268 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	$1163	$194
One Med/PIP claim	$1163	$198
Not-at-fault accident	$1216	$202
One comp claim	$1242	$211
Two Med/PIP claims	$1249	$208
Driving without lights	$1340	$228
Two comp claims	$1346	$224
Failure to show documents	$1385	$235
Failure to wear a seat belt	$1385	$231
Child safety restraint	$1392	$237
Driving with expired registration	$1392	$232
Driving too slowly	$1405	$239
Failure to stop at a red light	$1405	$234
Speeding in school zone	$1405	$239
Cell phone violation	$1418	$237
Improper passing	$1425	$242
Texting while driving	$1425	$238
Wrong way/wrong lane	$1425	$242
Speeding 6 - 10 MPH over limit	$1431	$239
Failure to yield	$1438	$244
Speeding 11 - 15 MPH over limit	$1438	$240
Following too closely	$1444	$245
Illegal turn	$1444	$241
Speeding 16 - 20 MPH over limit	$1444	$245
Speeding 21 - 25 MPH over limit	$1458	$243
Passing school bus	$1471	$250
In 65 MPH zone	$1509	$252
At-fault accident - less than $1000	$1581	$268
Operating a vehicle without permission	$1594	$266
Open container	$1640	$279
At-fault accident - $1000-$2000	$1705	$284
At-fault accident - greater than $2000	$1705	$290
Driving with a suspended license	$1778	$296
Reckless driving	$1778	$303
Refusal to submit to a chemical test	$1947	$325
DUI	$1967	$334
Racing	$1987	$331
Leaving scene of an accident/hit and run	$2000	$340

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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 $340 for a six-month policy. However, it can be as expensive as $3169 with companies like Farmers.

Cloverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$340	$58
Direct General Insurance	$347	$57
National General	$353	$61
State Farm	$811	$136
Travelers	$849	$143
Progressive	$869	$146
USAA	$1124	$189
Farm Bureau	$1411	$235
Shelter	$1673	$282
Allstate	$1778	$299
Nationwide	$1810	$305
Farmers	$3169	$528

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 $196. However, it can be as expensive as $1902 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	$196	$33
Direct General Insurance	$274	$46
State Farm	$431	$73
Progressive	$758	$128
USAA	$823	$138
Farm Bureau	$934	$158
Travelers	$1156	$193
Shelter	$1372	$233
Allstate	$1398	$233
Farmers	$1660	$283
Nationwide	$1902	$317

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 remained steady at $224 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Cloverdale remained steady at $51 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 Cloverdale?

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

What is the cheapest car insurance in Cloverdale?

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

How much is car insurance in Cloverdale for teenagers?

Car insurance for teenagers costs $216 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 $868 for a six-month policy. It will cost around $161 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 $425 for a six-month policy.