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Car insurance in Gulfport, MS

Are you looking for car insurance in Gulfport, MS? Your primary focus will be getting affordable auto insurance. Auto insurance costs vary from driver to driver due to various factors such as claim history, driving record, and place of residence. In addition, each city in Mississippi has different car insurance rates. So, how much will the cost of car insurance in Gulfport be?

Our research found that the cost of car insurance in Gulfport is lower than the state and national averages. However, this can change due to age, driving behavior, accident history, or the ZIP Code where you live. So, to get cheap car insurance in Gulfport, MS, you need to compare the quote from various insurers and buy the one with the lowest rate.

So, how much does car insurance in Gulfport cost? How can you get the cheapest auto insurance in the city? Which are the different car insurance companies in Gulfport, MS? Continue reading to know more about the insurance cost and insurers in Gulfport.

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How Much Does Car Insurance Cost in Gulfport?

A car driver in Gulfport typically pays an annual average rate of around $1,396 for auto insurance. However, the rate is lower than the state and national averages. The annual average rate in Mississippi is around $1,700.

Gulfport (annual average) Mississippi (annual average) United States
$1,396 $1,700 $1,557

Our car insurance review of Gulfport, MS, includes average rates based on age, ZIP Code, and more. Keep reading to find out more!

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Gulfport Auto Insurance Premiums by Company

The rates of insurers may vary greatly due to various factors. So, the best way to lower the cost of car insurance in Gulfport is by comparing the quotes from various insurance companies and buying the most affordable one. Our research found that USAA offers the most affordable car insurance policy in Gulfport, with an average annual rate of $1,053.

If you don't qualify for USAA, the next best option is to go for State Farm.

Car insurance company Average Annual Rate
USAA $1,053
State Farm $1,415
Direct Auto $1,529
Safeco $1,676
Nationwide $1,984

Gulfport Auto Insurance Premiums by Age Group

The younger and older you are, the more expensive your auto insurance is. For instance, in Gulfport, teens and young adults typically pay $3,487 yearly and $290 monthly. In contrast, drivers in their 40s and 50s typically spend roughly $1,211 and $1,086 yearly, respectively. So, how can you lower the rate of car insurance in Gulfport?

The best way is to get out of your teens. Or examining any age-specific discounts is always a smart idea. The away-from-school discount, mature driver discount, good student discount, safe driver discount, good student discount, multi-policy discount, and bundling discount are a few.

Age Average Annual Rate
Teens $3,487
20s $1,911
30s $1,263
40s $1,211
50s $1,086
60s $1,067
70s $1,272

Gulfport Auto Insurance Premiums by ZIP Code

When calculating the rate of car insurance in Gulfport, MS, insurers also consider your ZIP Code. Your Gulfport auto insurance rates are significantly influenced by factors like the frequency of accidents and accident claims, the number of stolen and vandalized vehicles, and other dangers in your neighborhood.

Every insurer has different rates for every ZIP Code. Your neighborhood's crime rate and other risks also influence the cost of car insurance in Gulfport. For instance, you'll have to pay hefty car insurance rates if you live in an area with a high crime rate. You can ensure that your car is garaged in a secure location if you reside in a neighborhood with a high crime risk.

Here are the insurance rates for some of the ZIP Codes in the region.

ZIP Code Average Annual Rate
39502 $775
39507 $1,330
39501 $1,374
39503 $1,428
39505 $4,338

How to get cheap auto insurance in Gulfport, MS

The cost of living in Gulfport is high. So, it won't be feasible for you to pay a hefty rate for car insurance in Gulfport. So, how can you lower the rate of car insurance in Gulfport, MS?

The ideal way is to compare the quotes and buy one. But, first, do extensive research on the car insurance companies in Gulfport, MS. Get the quotes from the major insurers in the city. This way, you can know about the lowest insurance quote and buy that.

Another way is by increasing your deductible. For example, suppose you have a full coverage car insurance policy. In that case, you can easily reduce your monthly costs without losing coverage by raising your deductible. In addition, raising your deductible will result in reduced regular payments, which is beneficial if you currently practice safe driving to receive discounts.

Always look for discounts when you buy an insurance policy in Gulfport. Although all insurance companies provide them, they are not all the same, and businesses frequently choose not to promote them directly. Therefore, it is up to you to look for the best deals. Ask your insurer over the phone about the following discounts.

  • Good driver discounts: Drivers in Gulfport get 20% insurance discounts for those with one or fewer points on their license. Also, you'll be eligible for this discount if you drive for three years without causing any injuries or fatalities.
  • Telematics discounts: You must demonstrate a lengthy history of safe driving for a state-mandated good driver discount. However, many insurers provide simple-to-win discounts to drivers who use telematics to monitor their driving behaviors.
  • Good student discounts: Are you enrolled full-time in high school or college? Have you earned a grade of B or higher? Your insurance provider will likely give you a discount.
  • Bundling discounts: If you combine your home and auto insurance with the same provider, you may save money on both plans.

Auto insurance in Gulfport: Minimum insurance requirement in Mississippi

In Mississippi, having car insurance is a must, and driving without insurance can result in a $500 fine and license suspension. The minimum auto insurance requirements for Mississippi drivers are as follows.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000

Auto Theft Statistics in Gulfport

Unfortunately, the auto theft rate in Gulfport is much higher than the state and national averages. For instance, in 2019, the auto theft rate in the city was around 370 per 100,000 residents. At the same time, the state rate was nearly 193 per 100,000 residents, and the national rate was around 219 per 100,000s.

So, there's always a risk of your getting stolen in the city. Always ensure to park your car in a closed garage or your home. It is always better to buy an insurance policy with comprehensive coverage to get enough coverage in the case of auto theft.

Gulfport theft rate (per 100,000 persons) Mississippi theft rate (per 100,000 persons) United States theft rate (per 100,000 persons)
370 193 219

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Accident statistics in Gulfport

In 2019, around 11 vehicles got involved in fatal accidents. As a result, there were 22 persons involved in fatal accidents, with eight fatalities. There were also two fatal accidents involving drunk persons. In addition, three pedestrians were also involved in fatal accidents in the city. So, try to get a full insurance policy with collision coverage.

Car Insurance Companies in Gulfport, MS

Are you looking for cheap car insurance companies in Gulfport, MS? The insurers in the city claim to provide specialized coverages at affordable pricing. With the aid of our auto insurance agents in Gulfport, you may understand the state's most complicated laws, insurance words, coverages, and discounts. Talk to them if you want to discover affordable auto insurance in Gulfport, Mississippi.

Here are a few auto insurance providers with offices in Gulfport.

Insurers
State Farm Safeco
USAA Farmers
Allstate Direct Auto
Liberty Mutual Nationwide
Travelers Shelter
Progressive State Auto
Farm Bureau  

Driving Conditions in Gulfport

  • Driving conditions are fair.
  • Gulfport traffic is not that hard to navigate.
  • On average, there are 110 rainy days per year in Gulfport. Rain averages 65 inches.
  • Snowfall averages almost 0 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How much is car insurance per month in Gulfport Mississippi?

A car driver in Gulfport typically pays an annual average rate of around $1,396 for auto insurance.

Is car insurance expensive in Gulfport?

Car insurance rates in Gulfport is lower than the state and national averages. The annual average rate in Mississippi is around $1,700.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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