Cheapest Car Insurance Quotes in Crosby

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Crosby 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 Crosby

The car insurance rate in Crosby is $972 for a six-month policy, which is $104 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Crosby 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 Crosby

$972

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Crosby

1st place: Direct General Insurance

At $432 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 $479 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $805 for six months, making it the third cheapest auto insurance company in Crosby.

Crosby Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crosby, MS is Direct General Insurance, offering policies at just $432 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $479.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1484 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crosby drivers find the best deals.

Cheap Car Insurance Companies in Crosby, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$432	$74
Mississippi Farm Bureau	$479	$80
USAA	$805	$136
Travelers	$825	$139
State Farm	$851	$143
Farm Bureau	$885	$148
National Farmers Union Insurance	$892	$151
Nationwide	$1064	$179
Progressive	$1124	$189
Shelter	$1158	$195
Allstate	$1290	$220
Farmers	$1351	$225
Safeway	$1484	$252

Key Takeaways

Way's key takeaways about car insurance in Crosby

The auto insurance costs in Crosby fall around $432 for six months.
The cheapest auto insurance company in Crosby is Direct General Insurance.
Teen drivers pay the highest rate in Crosby at $973 per month.

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Cheapest Minimum Liability Car Insurance in Crosby

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 Crosby are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Crosby. Their Average 6 Month Premium is $172. Farmers is the most expensive at $592 for the same period.

Cheapest Liability Coverage in Crosby, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$172	$29
Mississippi Farm Bureau	$179	$30
National Farmers Union Insurance	$179	$30
State Farm	$206	$35
USAA	$220	$37
Farm Bureau	$279	$47
Progressive	$286	$48
Safeway	$339	$58
Travelers	$346	$58
Shelter	$399	$67
Nationwide	$412	$69
Allstate	$493	$83
Farmers	$592	$99

Cheapest Full Coverage Car Insurance in Crosby

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 Crosby is Direct General Insurance at $74 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crosby, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$432	$74
Mississippi Farm Bureau	$479	$80
USAA	$805	$136
Travelers	$825	$139
State Farm	$851	$143
Farm Bureau	$885	$148
National Farmers Union Insurance	$892	$151
Nationwide	$1064	$179
Progressive	$1124	$189
Shelter	$1158	$195
Allstate	$1290	$220
Farmers	$1351	$225
Safeway	$1484	$252

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Average Car Insurance in Crosby 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 Crosby, MS increasing?

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

Car Insurance Premiums by Age in Crosby

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 Crosby,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 Crosby at $37 per month. At $5841 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	$220	$37
National General	$226	$38
Mississippi Farm Bureau	$246	$41
State Farm	$758	$128
USAA	$851	$143
Travelers	$1038	$175
Farm Bureau	$1523	$259
Progressive	$1823	$307
Shelter	$2934	$498
Farmers	$4085	$681
Allstate	$4584	$780
Nationwide	$5841	$973

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 Crosby, Direct General Insurance is the cheapest car insurance provider. At $220 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 Crosby is Farmers, offering rates of around $3985 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$220	$37
Mississippi Farm Bureau	$312	$53
Travelers	$1018	$171
Progressive	$1025	$172
USAA	$1238	$211
Nationwide	$1284	$216
Farm Bureau	$1516	$258
Allstate	$2069	$345
Shelter	$2641	$449
State Farm	$3213	$535
Farmers	$3985	$678

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Car Insurance Rates with An Accident in Crosby

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

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

The cheapest car insurance companies after an at-fault accident in Crosby include Mississippi Farm Bureau and Direct General Insurance, offering $246 and $353, respectively. Farmers is an expensive provider with an average six-month premium of $3227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$246	$41
Direct General Insurance	$353	$60
National General	$360	$59
State Farm	$380	$64
Safeway	$405	$67
USAA	$446	$75
Shelter	$652	$110
Travelers	$679	$114
Progressive	$745	$125
Farm Bureau	$1138	$194
Nationwide	$1450	$244
Allstate	$1903	$324
Farmers	$3227	$538

Crosby Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crosby MS. For example, the car insurance in Crosby after a DUI increases to $819 for a six month policy. While the rate increases by $273 for a six-month policy in the case of a speeding ticket.

Crosby auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1184	$197
One Med/PIP claim	$1184	$202
Not-at-fault accident	$1238	$206
One comp claim	$1264	$215
Two Med/PIP claims	$1271	$212
Driving without lights	$1364	$232
Two comp claims	$1371	$228
Failure to show documents	$1410	$240
Failure to wear a seat belt	$1410	$235
Child safety restraint	$1417	$241
Driving with expired registration	$1417	$236
Driving too slowly	$1430	$243
Failure to stop at a red light	$1430	$239
Speeding in school zone	$1430	$243
Cell phone violation	$1444	$241
Improper passing	$1450	$246
Texting while driving	$1450	$242
Wrong way/wrong lane	$1450	$246
Speeding 6 - 10 MPH over limit	$1457	$243
Failure to yield	$1464	$249
Speeding 11 - 15 MPH over limit	$1464	$244
Following too closely	$1471	$250
Illegal turn	$1471	$245
Speeding 16 - 20 MPH over limit	$1471	$250
Speeding 21 - 25 MPH over limit	$1484	$248
Passing school bus	$1497	$254
In 65 MPH zone	$1537	$256
At-fault accident - less than $1000	$1609	$273
Operating a vehicle without permission	$1623	$271
Open container	$1670	$284
At-fault accident - $1000-$2000	$1736	$289
At-fault accident - greater than $2000	$1736	$296
Driving with a suspended license	$1810	$301
Reckless driving	$1810	$308
Refusal to submit to a chemical test	$1982	$330
DUI	$2003	$340
Racing	$2023	$337
Leaving scene of an accident/hit and run	$2036	$346

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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 Crosby 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 Crosby.

The cheapest car insurance premiums in Crosby are offered by Mississippi Farm Bureau at $346 for a six-month policy. However, it can be as expensive as $3227 with companies like Farmers.

Crosby car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$346	$59
Direct General Insurance	$353	$58
National General	$360	$62
State Farm	$825	$139
Travelers	$865	$146
Progressive	$885	$149
USAA	$1145	$193
Farm Bureau	$1437	$240
Shelter	$1704	$287
Allstate	$1810	$305
Nationwide	$1842	$310
Farmers	$3227	$538

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 Crosby are offered by Mississippi Farm Bureau at $199. However, it can be as expensive as $1936 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Crosby after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$199	$34
Direct General Insurance	$279	$47
State Farm	$439	$74
Progressive	$772	$130
USAA	$838	$140
Farm Bureau	$951	$161
Travelers	$1177	$196
Shelter	$1397	$237
Allstate	$1424	$237
Farmers	$1690	$288
Nationwide	$1936	$323

Car Insurance Price Trends in Crosby, Mississippi

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

The average cost of full coverage in the Crosby remained steady at $228 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Crosby remained steady at $52 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 Crosby?

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

What is the cheapest car insurance in Crosby?

The cheapest car insurance in Crosby is $74 per month for full coverage.

How much is car insurance in Crosby for teenagers?

Car insurance for teenagers costs $220 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 Crosby?

The average cost of car insurance is $868 for a six-month policy. It will cost around $164 per month to insure your car in Crosby.

Is car insurance expensive in Crosby?

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

What is the best car insurance in Crosby, MS?

The best car insurance company in Crosby MS is Direct General Insurance, offering $432 for a six-month policy.