Cheapest Car Insurance Quotes in Dundee

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Dundee Car Insurance

^$ 27

/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 Dundee

The car insurance rate in Dundee is $885 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Dundee 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 Dundee

$885

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Dundee

1st place: Direct General Insurance

At $394 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 $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $733 for six months, making it the third cheapest auto insurance company in Dundee.

Dundee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dundee, MS is Direct General Insurance, offering policies at just $394 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $437.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1352 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dundee drivers find the best deals.

Cheap Car Insurance Companies in Dundee, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$394	$67
Mississippi Farm Bureau	$437	$72
USAA	$733	$123
Travelers	$752	$126
State Farm	$775	$131
Farm Bureau	$806	$135
National Farmers Union Insurance	$812	$138
Nationwide	$969	$163
Progressive	$1024	$172
Shelter	$1055	$177
Allstate	$1175	$200
Farmers	$1230	$205
Safeway	$1352	$230

Key Takeaways

Way's key takeaways about car insurance in Dundee

The auto insurance costs in Dundee fall around $394 for six months.
The cheapest auto insurance company in Dundee is Direct General Insurance.
Teen drivers pay the highest rate in Dundee at $886 per month.

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Cheapest Minimum Liability Car Insurance in Dundee

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 Dundee are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Dundee. Their Average 6 Month Premium is $157. Farmers is the most expensive at $540 for the same period.

Cheapest Liability Coverage in Dundee, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$157	$27
Mississippi Farm Bureau	$163	$28
National Farmers Union Insurance	$163	$28
State Farm	$188	$32
USAA	$200	$34
Farm Bureau	$254	$43
Progressive	$260	$44
Safeway	$309	$53
Travelers	$315	$53
Shelter	$363	$61
Nationwide	$375	$63
Allstate	$449	$75
Farmers	$540	$90

Cheapest Full Coverage Car Insurance in Dundee

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 Dundee is Direct General Insurance at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dundee, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$394	$67
Mississippi Farm Bureau	$437	$72
USAA	$733	$123
Travelers	$752	$126
State Farm	$775	$131
Farm Bureau	$806	$135
National Farmers Union Insurance	$812	$138
Nationwide	$969	$163
Progressive	$1024	$172
Shelter	$1055	$177
Allstate	$1175	$200
Farmers	$1230	$205
Safeway	$1352	$230

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Average Car Insurance in Dundee 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 Dundee, MS increasing?

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

Car Insurance Premiums by Age in Dundee

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 Dundee,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 Dundee at $34 per month. At $5319 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	$200	$34
National General	$206	$35
Mississippi Farm Bureau	$224	$38
State Farm	$691	$116
USAA	$775	$131
Travelers	$946	$159
Farm Bureau	$1387	$236
Progressive	$1661	$279
Shelter	$2672	$454
Farmers	$3720	$620
Allstate	$4175	$710
Nationwide	$5319	$886

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 Dundee, Direct General Insurance is the cheapest car insurance provider. At $200 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 Dundee is Farmers, offering rates of around $3629 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$200	$34
Mississippi Farm Bureau	$285	$48
Travelers	$927	$156
Progressive	$933	$157
USAA	$1127	$192
Nationwide	$1169	$197
Farm Bureau	$1381	$235
Allstate	$1884	$314
Shelter	$2405	$409
State Farm	$2926	$488
Farmers	$3629	$617

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Car Insurance Rates with An Accident in Dundee

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

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

The cheapest car insurance companies after an at-fault accident in Dundee include Mississippi Farm Bureau and Direct General Insurance, offering $224 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $2939.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$224	$38
Direct General Insurance	$321	$55
National General	$327	$54
State Farm	$346	$58
Safeway	$369	$61
USAA	$406	$68
Shelter	$594	$100
Travelers	$618	$104
Progressive	$678	$114
Farm Bureau	$1036	$176
Nationwide	$1321	$222
Allstate	$1733	$295
Farmers	$2939	$490

Dundee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dundee MS. For example, the car insurance in Dundee after a DUI increases to $746 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Dundee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1078	$180
One Med/PIP claim	$1078	$184
Not-at-fault accident	$1127	$188
One comp claim	$1152	$196
Two Med/PIP claims	$1158	$193
Driving without lights	$1242	$211
Two comp claims	$1248	$208
Failure to show documents	$1284	$218
Failure to wear a seat belt	$1284	$214
Child safety restraint	$1290	$219
Driving with expired registration	$1290	$215
Driving too slowly	$1303	$221
Failure to stop at a red light	$1303	$217
Speeding in school zone	$1303	$221
Cell phone violation	$1315	$219
Improper passing	$1321	$224
Texting while driving	$1321	$220
Wrong way/wrong lane	$1321	$224
Speeding 6 - 10 MPH over limit	$1327	$221
Failure to yield	$1333	$226
Speeding 11 - 15 MPH over limit	$1333	$222
Following too closely	$1339	$227
Illegal turn	$1339	$223
Speeding 16 - 20 MPH over limit	$1339	$227
Speeding 21 - 25 MPH over limit	$1352	$225
Passing school bus	$1364	$232
In 65 MPH zone	$1399	$234
At-fault accident - less than $1000	$1466	$249
Operating a vehicle without permission	$1478	$247
Open container	$1521	$259
At-fault accident - $1000-$2000	$1581	$263
At-fault accident - greater than $2000	$1581	$269
Driving with a suspended license	$1648	$274
Reckless driving	$1648	$281
Refusal to submit to a chemical test	$1805	$301
DUI	$1824	$310
Racing	$1842	$307
Leaving scene of an accident/hit and run	$1854	$315

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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 Dundee 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 Dundee.

The cheapest car insurance premiums in Dundee are offered by Mississippi Farm Bureau at $315 for a six-month policy. However, it can be as expensive as $2939 with companies like Farmers.

Dundee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$315	$54
Direct General Insurance	$321	$53
National General	$327	$56
State Farm	$752	$126
Travelers	$787	$133
Progressive	$806	$136
USAA	$1042	$175
Farm Bureau	$1309	$218
Shelter	$1551	$261
Allstate	$1648	$277
Nationwide	$1678	$283
Farmers	$2939	$490

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 Dundee are offered by Mississippi Farm Bureau at $182. However, it can be as expensive as $1764 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Dundee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$182	$31
Direct General Insurance	$254	$43
State Farm	$400	$67
Progressive	$703	$118
USAA	$763	$128
Farm Bureau	$866	$147
Travelers	$1072	$179
Shelter	$1272	$216
Allstate	$1296	$216
Farmers	$1539	$262
Nationwide	$1764	$294

Car Insurance Price Trends in Dundee, Mississippi

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

The average cost of full coverage in the Dundee remained steady at $208 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Dundee remained steady at $47 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 Dundee?

The car insurance in Dundee is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Dundee?

The cheapest car insurance in Dundee is $67 per month for full coverage.

How much is car insurance in Dundee for teenagers?

Car insurance for teenagers costs $200 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 Dundee?

The average cost of car insurance is $868 for a six-month policy. It will cost around $149 per month to insure your car in Dundee.

Is car insurance expensive in Dundee?

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

What is the best car insurance in Dundee, MS?

The best car insurance company in Dundee MS is Direct General Insurance, offering $394 for a six-month policy.