Cheapest Car Insurance Quotes in Fulton

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Fulton Car Insurance

^$ 23

/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 Fulton

The car insurance rate in Fulton is $862 for a six-month policy, which is $118 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Fulton 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 Fulton

$862

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Fulton

1st place: Direct General Insurance

At $340 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 $377 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $654 for six months, making it the third cheapest auto insurance company in Fulton.

Fulton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fulton, MS is Direct General Insurance, offering policies at just $340 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $377.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1500 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fulton drivers find the best deals.

Cheap Car Insurance Companies in Fulton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$340	$58
Mississippi Farm Bureau	$377	$62
USAA	$654	$110
Travelers	$679	$114
National Farmers Union Insurance	$700	$119
State Farm	$727	$122
Nationwide	$905	$152
Shelter	$925	$156
Farm Bureau	$967	$165
Progressive	$988	$166
Safeway	$1166	$198
Allstate	$1286	$215
Farmers	$1500	$255

Key Takeaways

Way's key takeaways about car insurance in Fulton

The auto insurance costs in Fulton fall around $340 for six months.
The cheapest auto insurance company in Fulton is Direct General Insurance.
Teen drivers pay the highest rate in Fulton at $766 per month.

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Cheapest Minimum Liability Car Insurance in Fulton

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 Fulton are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Fulton. Their Average 6 Month Premium is $136. Farmers is the most expensive at $512 for the same period.

Cheapest Liability Coverage in Fulton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$136	$23
Mississippi Farm Bureau	$141	$24
National Farmers Union Insurance	$141	$24
State Farm	$172	$29
USAA	$178	$30
Progressive	$235	$40
Farm Bureau	$267	$44
Safeway	$267	$46
Travelers	$272	$46
Shelter	$308	$52
Nationwide	$340	$57
Allstate	$434	$73
Farmers	$512	$85

Cheapest Full Coverage Car Insurance in Fulton

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 Fulton is Direct General Insurance at $58 per month and $340 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fulton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$340	$58
Mississippi Farm Bureau	$377	$62
USAA	$654	$110
Travelers	$679	$114
National Farmers Union Insurance	$700	$119
State Farm	$727	$122
Nationwide	$905	$152
Shelter	$925	$156
Farm Bureau	$967	$165
Progressive	$988	$166
Safeway	$1166	$198
Allstate	$1286	$215
Farmers	$1500	$255

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Average Car Insurance in Fulton 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 Fulton, MS increasing?

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

Car Insurance Premiums by Age in Fulton

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 Fulton,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 Fulton at $29 per month. At $4594 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	$172	$29
National General	$178	$30
Mississippi Farm Bureau	$194	$33
USAA	$752	$127
State Farm	$831	$140
Travelers	$884	$149
Farm Bureau	$1668	$283
Progressive	$1694	$285
Shelter	$2379	$405
Nationwide	$4527	$754
Allstate	$4584	$780
Farmers	$4594	$766

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 Fulton, Direct General Insurance is the cheapest car insurance provider. At $172 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 Fulton is Farmers, offering rates of around $4427 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$172	$29
Mississippi Farm Bureau	$246	$41
Travelers	$884	$149
Progressive	$946	$159
USAA	$1088	$185
Nationwide	$1433	$241
Farm Bureau	$1918	$326
Allstate	$2107	$351
Shelter	$2159	$367
State Farm	$3821	$637
Farmers	$4427	$752

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Car Insurance Rates with An Accident in Fulton

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

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

The cheapest car insurance companies after an at-fault accident in Fulton include Mississippi Farm Bureau and Direct General Insurance, offering $194 and $277, respectively. Farmers is an expensive provider with an average six-month premium of $3607.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$194	$33
Direct General Insurance	$277	$48
National General	$282	$47
Safeway	$319	$55
State Farm	$334	$56
USAA	$371	$62
Shelter	$523	$88
Travelers	$580	$98
Progressive	$722	$121
Farm Bureau	$1255	$213
Nationwide	$1442	$243
Allstate	$1903	$324
Farmers	$3607	$601

Fulton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fulton MS. For example, the car insurance in Fulton after a DUI increases to $643 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Fulton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$930	$158
Not-at-fault accident	$972	$162
One comp claim	$994	$169
Two Med/PIP claims	$999	$166
Driving without lights	$1072	$182
Two comp claims	$1077	$180
Failure to show documents	$1108	$188
Failure to wear a seat belt	$1108	$185
Child safety restraint	$1113	$189
Driving with expired registration	$1113	$186
Driving too slowly	$1124	$191
Failure to stop at a red light	$1124	$187
Speeding in school zone	$1124	$191
Cell phone violation	$1134	$189
Improper passing	$1140	$194
Texting while driving	$1140	$190
Wrong way/wrong lane	$1140	$194
Speeding 6 - 10 MPH over limit	$1145	$191
Failure to yield	$1150	$195
Speeding 11 - 15 MPH over limit	$1150	$192
Following too closely	$1155	$196
Illegal turn	$1155	$193
Speeding 16 - 20 MPH over limit	$1155	$196
Speeding 21 - 25 MPH over limit	$1166	$194
Passing school bus	$1177	$200
In 65 MPH zone	$1207	$202
At-fault accident - less than $1000	$1265	$215
Operating a vehicle without permission	$1275	$213
Open container	$1312	$224
At-fault accident - $1000-$2000	$1364	$227
At-fault accident - greater than $2000	$1364	$232
Driving with a suspended license	$1422	$237
Reckless driving	$1422	$242
Refusal to submit to a chemical test	$1558	$260
DUI	$1573	$268
Racing	$1589	$265
Leaving scene of an accident/hit and run	$1600	$272

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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 Fulton 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 Fulton.

The cheapest car insurance premiums in Fulton are offered by Mississippi Farm Bureau at $272 for a six-month policy. However, it can be as expensive as $3607 with companies like Farmers.

Fulton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$272	$47
Direct General Insurance	$277	$46
National General	$282	$48
Travelers	$716	$121
Progressive	$763	$128
State Farm	$795	$134
USAA	$941	$158
Shelter	$1353	$228
Farm Bureau	$1595	$271
Allstate	$1620	$273
Nationwide	$1913	$322
Farmers	$3607	$601

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 Fulton are offered by Mississippi Farm Bureau at $157. However, it can be as expensive as $2112 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fulton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$157	$26
Direct General Insurance	$219	$37
State Farm	$480	$81
USAA	$742	$126
Progressive	$763	$128
Farm Bureau	$1040	$177
Travelers	$1056	$176
Shelter	$1129	$192
Allstate	$1422	$237
Farmers	$1881	$320
Nationwide	$2112	$352

Car Insurance Price Trends in Fulton, Mississippi

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

The average cost of full coverage in the Fulton rose by $209 in January compared to $180 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the Fulton rose to $42 in January, compared to $40 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fulton?

The car insurance in Fulton is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Fulton?

The cheapest car insurance in Fulton is $58 per month for full coverage.

How much is car insurance in Fulton for teenagers?

Car insurance for teenagers costs $172 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 Fulton?

The average cost of car insurance is $980 for a six-month policy. It will cost around $145 per month to insure your car in Fulton.

Is car insurance expensive in Fulton?

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

What is the best car insurance in Fulton, MS?

The best car insurance company in Fulton MS is Direct General Insurance, offering $340 for a six-month policy.