Cheapest Car Insurance Quotes in Duck Hill

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Duck Hill 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 Duck Hill

The car insurance rate in Duck Hill is $848 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Duck Hill 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 Duck Hill

$848

Avg. Car Insurance in Mississippi

$865

National Average

$1128

Cheapest Car Insurance Companies in Duck Hill

1st place: Direct General Insurance

At $378 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 $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $699 for six months, making it the third cheapest auto insurance company in Duck Hill.

Duck Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Duck Hill, MS is Direct General Insurance, offering policies at just $378 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $419.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1275 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Duck Hill drivers find the best deals.

Cheap Car Insurance Companies in Duck Hill, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$378	$65
Mississippi Farm Bureau	$419	$70
USAA	$699	$118
Travelers	$722	$122
State Farm	$733	$123
Farm Bureau	$774	$129
National Farmers Union Insurance	$780	$132
Nationwide	$931	$157
Progressive	$990	$167
Shelter	$1013	$171
Allstate	$1129	$192
Farmers	$1182	$197
Safeway	$1275	$217

Key Takeaways

Way's key takeaways about car insurance in Duck Hill

The auto insurance costs in Duck Hill fall around $378 for six months.
The cheapest auto insurance company in Duck Hill is Direct General Insurance.
Teen drivers pay the highest rate in Duck Hill at $852 per month.

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Cheapest Minimum Liability Car Insurance in Duck Hill

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 Duck Hill are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Duck Hill. Their Average 6 Month Premium is $151. Farmers is the most expensive at $518 for the same period.

Cheapest Liability Coverage in Duck Hill, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$151	$25
Mississippi Farm Bureau	$157	$26
National Farmers Union Insurance	$157	$26
State Farm	$180	$30
USAA	$192	$32
Farm Bureau	$244	$41
Progressive	$250	$42
Safeway	$285	$48
Travelers	$303	$51
Shelter	$349	$59
Nationwide	$361	$61
Allstate	$431	$73
Farmers	$518	$86

Cheapest Full Coverage Car Insurance in Duck Hill

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 Duck Hill is Direct General Insurance at $65 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Duck Hill, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$378	$65
Mississippi Farm Bureau	$419	$70
USAA	$699	$118
Travelers	$722	$122
State Farm	$733	$123
Farm Bureau	$774	$129
National Farmers Union Insurance	$780	$132
Nationwide	$931	$157
Progressive	$990	$167
Shelter	$1013	$171
Allstate	$1129	$192
Farmers	$1182	$197
Safeway	$1275	$217

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Average Car Insurance in Duck Hill 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 Duck Hill, MS increasing?

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

Car Insurance Premiums by Age in Duck Hill

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 Duck Hill,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 Duck Hill at $32 per month. At $5111 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	$192	$32
National General	$198	$33
Mississippi Farm Bureau	$216	$36
State Farm	$663	$112
USAA	$745	$125
Travelers	$908	$153
Farm Bureau	$1333	$226
Progressive	$1595	$269
Shelter	$2568	$436
Farmers	$3574	$596
Allstate	$4011	$682
Nationwide	$5111	$852

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 Duck Hill, Direct General Insurance is the cheapest car insurance provider. At $192 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 Duck Hill is Farmers, offering rates of around $3487 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$192	$32
Mississippi Farm Bureau	$273	$46
Travelers	$891	$150
Progressive	$897	$151
USAA	$1083	$184
Nationwide	$1123	$189
Farm Bureau	$1327	$225
Allstate	$1810	$302
Shelter	$2311	$393
State Farm	$2812	$468
Farmers	$3487	$593

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Car Insurance Rates with An Accident in Duck Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Duck Hill

The cheapest car insurance companies after an at-fault accident in Duck Hill include Mississippi Farm Bureau and Direct General Insurance, offering $216 and $309, respectively. Farmers is an expensive provider with an average six-month premium of $2823.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$216	$36
Direct General Insurance	$309	$53
National General	$315	$52
State Farm	$326	$55
Safeway	$367	$61
USAA	$390	$66
Shelter	$570	$96
Travelers	$594	$100
Progressive	$652	$110
Farm Bureau	$996	$170
Nationwide	$1269	$214
Allstate	$1665	$283
Farmers	$2823	$470

Duck Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Duck Hill MS. For example, the car insurance in Duck Hill after a DUI increases to $716 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Duck Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1036	$172
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1083	$180
One comp claim	$1106	$188
Two Med/PIP claims	$1112	$185
Driving without lights	$1194	$203
Two comp claims	$1200	$200
Failure to show documents	$1234	$210
Failure to wear a seat belt	$1234	$206
Child safety restraint	$1240	$211
Driving with expired registration	$1240	$207
Driving too slowly	$1251	$213
Failure to stop at a red light	$1251	$209
Speeding in school zone	$1251	$213
Cell phone violation	$1263	$211
Improper passing	$1269	$216
Texting while driving	$1269	$212
Wrong way/wrong lane	$1269	$216
Speeding 6 - 10 MPH over limit	$1275	$213
Failure to yield	$1281	$218
Speeding 11 - 15 MPH over limit	$1281	$214
Following too closely	$1287	$219
Illegal turn	$1287	$215
Speeding 16 - 20 MPH over limit	$1287	$219
Speeding 21 - 25 MPH over limit	$1299	$217
Passing school bus	$1310	$222
In 65 MPH zone	$1345	$224
At-fault accident - less than $1000	$1408	$239
Operating a vehicle without permission	$1420	$237
Open container	$1461	$249
At-fault accident - $1000-$2000	$1519	$253
At-fault accident - greater than $2000	$1519	$259
Driving with a suspended license	$1584	$264
Reckless driving	$1584	$270
Refusal to submit to a chemical test	$1735	$289
DUI	$1752	$298
Racing	$1770	$295
Leaving scene of an accident/hit and run	$1782	$303

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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 Duck Hill 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 Duck Hill.

The cheapest car insurance premiums in Duck Hill are offered by Mississippi Farm Bureau at $303 for a six-month policy. However, it can be as expensive as $2823 with companies like Farmers.

Duck Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$303	$52
Direct General Insurance	$309	$51
National General	$315	$54
State Farm	$722	$122
Travelers	$757	$127
Progressive	$774	$130
USAA	$1002	$169
Farm Bureau	$1257	$210
Shelter	$1491	$251
Allstate	$1584	$267
Nationwide	$1612	$271
Farmers	$2823	$470

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 Duck Hill are offered by Mississippi Farm Bureau at $174. However, it can be as expensive as $1694 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Duck Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$174	$29
Direct General Insurance	$244	$41
State Farm	$384	$65
Progressive	$675	$114
USAA	$733	$123
Farm Bureau	$832	$141
Travelers	$1030	$172
Shelter	$1222	$208
Allstate	$1246	$208
Farmers	$1479	$252
Nationwide	$1694	$282

Car Insurance Price Trends in Duck Hill, Mississippi

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

The average cost of full coverage in the Duck Hill remained steady at $200 in both October and September, indicating no change over the two month period.

The average cost of liability insurance in the Duck Hill remained steady at $45 in both October and September, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Duck Hill?

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

What is the cheapest car insurance in Duck Hill?

The cheapest car insurance in Duck Hill is $65 per month for full coverage.

How much is car insurance in Duck Hill for teenagers?

Car insurance for teenagers costs $192 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 Duck Hill?

The average cost of car insurance is $865 for a six-month policy. It will cost around $142 per month to insure your car in Duck Hill.

Is car insurance expensive in Duck Hill?

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

What is the best car insurance in Duck Hill, MS?

The best car insurance company in Duck Hill MS is Direct General Insurance, offering $378 for a six-month policy.