Cheapest Car Insurance Quotes in Fayette

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Fayette Car Insurance

^$ 30

/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 Fayette

The car insurance rate in Fayette is $1117 for a six-month policy, which is $137 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Fayette 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 Fayette

$1117

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Fayette

1st place: Direct General Insurance

At $440 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 $488 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $847 for six months, making it the third cheapest auto insurance company in Fayette.

Fayette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fayette, MS is Direct General Insurance, offering policies at just $440 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $488.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1944 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fayette drivers find the best deals.

Cheap Car Insurance Companies in Fayette, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$440	$75
Mississippi Farm Bureau	$488	$81
USAA	$847	$143
Travelers	$880	$148
National Farmers Union Insurance	$907	$154
State Farm	$942	$158
Nationwide	$1172	$197
Shelter	$1198	$202
Farm Bureau	$1253	$213
Progressive	$1280	$215
Safeway	$1510	$257
Allstate	$1666	$278
Farmers	$1944	$331

Key Takeaways

Way's key takeaways about car insurance in Fayette

The auto insurance costs in Fayette fall around $440 for six months.
The cheapest auto insurance company in Fayette is Direct General Insurance.
Teen drivers pay the highest rate in Fayette at $992 per month.

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Cheapest Minimum Liability Car Insurance in Fayette

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 Fayette are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Fayette. Their Average 6 Month Premium is $176. Farmers is the most expensive at $663 for the same period.

Cheapest Liability Coverage in Fayette, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$176	$30
Mississippi Farm Bureau	$182	$31
National Farmers Union Insurance	$182	$31
State Farm	$223	$38
USAA	$230	$39
Progressive	$304	$51
Farm Bureau	$345	$57
Safeway	$345	$59
Travelers	$352	$59
Shelter	$399	$67
Nationwide	$440	$74
Allstate	$562	$95
Farmers	$663	$111

Cheapest Full Coverage Car Insurance in Fayette

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 Fayette is Direct General Insurance at $75 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fayette, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$440	$75
Mississippi Farm Bureau	$488	$81
USAA	$847	$143
Travelers	$880	$148
National Farmers Union Insurance	$907	$154
State Farm	$942	$158
Nationwide	$1172	$197
Shelter	$1198	$202
Farm Bureau	$1253	$213
Progressive	$1280	$215
Safeway	$1510	$257
Allstate	$1666	$278
Farmers	$1944	$331

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Average Car Insurance in Fayette 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 Fayette, MS increasing?

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

Car Insurance Premiums by Age in Fayette

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 Fayette,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 Fayette at $38 per month. At $5952 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	$223	$38
National General	$230	$39
Mississippi Farm Bureau	$251	$42
USAA	$975	$164
State Farm	$1076	$181
Travelers	$1145	$193
Farm Bureau	$2160	$367
Progressive	$2195	$369
Shelter	$3081	$524
Nationwide	$5864	$977
Allstate	$5938	$1010
Farmers	$5952	$992

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 Fayette, Direct General Insurance is the cheapest car insurance provider. At $223 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 Fayette is Farmers, offering rates of around $5735 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$223	$38
Mississippi Farm Bureau	$318	$54
Travelers	$1145	$193
Progressive	$1226	$206
USAA	$1409	$239
Nationwide	$1856	$312
Farm Bureau	$2485	$423
Allstate	$2729	$455
Shelter	$2796	$475
State Farm	$4950	$825
Farmers	$5735	$975

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Car Insurance Rates with An Accident in Fayette

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

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

The cheapest car insurance companies after an at-fault accident in Fayette include Mississippi Farm Bureau and Direct General Insurance, offering $251 and $359, respectively. Farmers is an expensive provider with an average six-month premium of $4673.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$251	$42
Direct General Insurance	$359	$62
National General	$366	$60
Safeway	$413	$71
State Farm	$433	$73
USAA	$481	$81
Shelter	$677	$114
Travelers	$751	$127
Progressive	$935	$157
Farm Bureau	$1626	$276
Nationwide	$1868	$315
Allstate	$2465	$420
Farmers	$4673	$779

Fayette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fayette MS. For example, the car insurance in Fayette after a DUI increases to $833 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

Fayette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1205	$201
One Med/PIP claim	$1205	$205
Not-at-fault accident	$1260	$210
One comp claim	$1287	$219
Two Med/PIP claims	$1294	$215
Driving without lights	$1389	$236
Two comp claims	$1395	$233
Failure to show documents	$1435	$244
Failure to wear a seat belt	$1435	$239
Child safety restraint	$1442	$245
Driving with expired registration	$1442	$241
Driving too slowly	$1456	$247
Failure to stop at a red light	$1456	$243
Speeding in school zone	$1456	$247
Cell phone violation	$1469	$245
Improper passing	$1476	$251
Texting while driving	$1476	$246
Wrong way/wrong lane	$1476	$251
Speeding 6 - 10 MPH over limit	$1483	$247
Failure to yield	$1490	$253
Speeding 11 - 15 MPH over limit	$1490	$249
Following too closely	$1497	$254
Illegal turn	$1497	$250
Speeding 16 - 20 MPH over limit	$1497	$254
Speeding 21 - 25 MPH over limit	$1510	$252
Passing school bus	$1524	$259
In 65 MPH zone	$1564	$261
At-fault accident - less than $1000	$1638	$278
Operating a vehicle without permission	$1652	$276
Open container	$1700	$290
At-fault accident - $1000-$2000	$1767	$294
At-fault accident - greater than $2000	$1767	$301
Driving with a suspended license	$1842	$307
Reckless driving	$1842	$314
Refusal to submit to a chemical test	$2018	$336
DUI	$2038	$347
Racing	$2059	$343
Leaving scene of an accident/hit and run	$2073	$352

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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 Fayette 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 Fayette.

The cheapest car insurance premiums in Fayette are offered by Mississippi Farm Bureau at $352 for a six-month policy. However, it can be as expensive as $4673 with companies like Farmers.

Fayette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$352	$60
Direct General Insurance	$359	$59
National General	$366	$63
Travelers	$928	$156
Progressive	$988	$166
State Farm	$1029	$173
USAA	$1219	$205
Shelter	$1753	$295
Farm Bureau	$2066	$351
Allstate	$2099	$353
Nationwide	$2478	$417
Farmers	$4673	$779

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 Fayette are offered by Mississippi Farm Bureau at $203. However, it can be as expensive as $2736 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fayette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$203	$34
Direct General Insurance	$284	$48
State Farm	$622	$105
USAA	$961	$163
Progressive	$988	$166
Farm Bureau	$1347	$229
Travelers	$1368	$228
Shelter	$1463	$249
Allstate	$1842	$307
Farmers	$2437	$415
Nationwide	$2736	$456

Car Insurance Price Trends in Fayette, Mississippi

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

The average cost of full coverage in the Fayette rose by $270 in January compared to $233 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Fayette rose to $55 in January, compared to $52 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fayette?

The car insurance in Fayette is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Fayette?

The cheapest car insurance in Fayette is $75 per month for full coverage.

How much is car insurance in Fayette for teenagers?

Car insurance for teenagers costs $223 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 Fayette?

The average cost of car insurance is $980 for a six-month policy. It will cost around $188 per month to insure your car in Fayette.

Is car insurance expensive in Fayette?

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

What is the best car insurance in Fayette, MS?

The best car insurance company in Fayette MS is Direct General Insurance, offering $440 for a six-month policy.