Cheapest Car Insurance Quotes in Hermanville

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Hermanville Car Insurance

^$ 31

/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 Hermanville

The car insurance rate in Hermanville is $1156 for a six-month policy, which is $176 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Hermanville 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 Hermanville

$1156

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Hermanville

1st place: Direct General Insurance

At $455 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 $505 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $877 for six months, making it the third cheapest auto insurance company in Hermanville.

Hermanville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hermanville, MS is Direct General Insurance, offering policies at just $455 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $505.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2012 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hermanville drivers find the best deals.

Cheap Car Insurance Companies in Hermanville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$455	$78
Mississippi Farm Bureau	$505	$84
USAA	$877	$148
Travelers	$911	$153
National Farmers Union Insurance	$939	$159
State Farm	$975	$164
Nationwide	$1213	$204
Shelter	$1240	$209
Farm Bureau	$1297	$221
Progressive	$1325	$223
Safeway	$1564	$266
Allstate	$1724	$288
Farmers	$2012	$342

Key Takeaways

Way's key takeaways about car insurance in Hermanville

The auto insurance costs in Hermanville fall around $455 for six months.
The cheapest auto insurance company in Hermanville is Direct General Insurance.
Teen drivers pay the highest rate in Hermanville at $1027 per month.

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Cheapest Minimum Liability Car Insurance in Hermanville

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 Hermanville are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Hermanville. Their Average 6 Month Premium is $182. Farmers is the most expensive at $687 for the same period.

Cheapest Liability Coverage in Hermanville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$182	$31
Mississippi Farm Bureau	$189	$32
National Farmers Union Insurance	$189	$32
State Farm	$231	$39
USAA	$238	$40
Progressive	$315	$53
Farm Bureau	$358	$59
Safeway	$358	$61
Travelers	$365	$61
Shelter	$413	$70
Nationwide	$455	$77
Allstate	$582	$98
Farmers	$687	$114

Cheapest Full Coverage Car Insurance in Hermanville

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 Hermanville is Direct General Insurance at $78 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hermanville, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$455	$78
Mississippi Farm Bureau	$505	$84
USAA	$877	$148
Travelers	$911	$153
National Farmers Union Insurance	$939	$159
State Farm	$975	$164
Nationwide	$1213	$204
Shelter	$1240	$209
Farm Bureau	$1297	$221
Progressive	$1325	$223
Safeway	$1564	$266
Allstate	$1724	$288
Farmers	$2012	$342

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Average Car Insurance in Hermanville 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 Hermanville, MS increasing?

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

Car Insurance Premiums by Age in Hermanville

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 Hermanville,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 Hermanville at $39 per month. At $6161 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	$231	$39
National General	$238	$40
Mississippi Farm Bureau	$260	$44
USAA	$1009	$170
State Farm	$1114	$188
Travelers	$1185	$199
Farm Bureau	$2236	$380
Progressive	$2272	$382
Shelter	$3190	$543
Nationwide	$6070	$1011
Allstate	$6147	$1045
Farmers	$6161	$1027

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 Hermanville, Direct General Insurance is the cheapest car insurance provider. At $231 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 Hermanville is Farmers, offering rates of around $5937 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$231	$39
Mississippi Farm Bureau	$329	$55
Travelers	$1185	$199
Progressive	$1269	$214
USAA	$1458	$248
Nationwide	$1921	$323
Farm Bureau	$2572	$438
Allstate	$2825	$471
Shelter	$2895	$492
State Farm	$5124	$854
Farmers	$5937	$1009

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Car Insurance Rates with An Accident in Hermanville

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

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

The cheapest car insurance companies after an at-fault accident in Hermanville include Mississippi Farm Bureau and Direct General Insurance, offering $260 and $372, respectively. Farmers is an expensive provider with an average six-month premium of $4837.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$260	$44
Direct General Insurance	$372	$64
National General	$379	$63
Safeway	$427	$73
State Farm	$448	$76
USAA	$498	$84
Shelter	$701	$118
Travelers	$778	$131
Progressive	$968	$163
Farm Bureau	$1683	$286
Nationwide	$1934	$326
Allstate	$2551	$434
Farmers	$4837	$806

Hermanville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hermanville MS. For example, the car insurance in Hermanville after a DUI increases to $863 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Hermanville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1247	$208
One Med/PIP claim	$1247	$212
Not-at-fault accident	$1304	$217
One comp claim	$1332	$227
Two Med/PIP claims	$1339	$223
Driving without lights	$1437	$244
Two comp claims	$1444	$241
Failure to show documents	$1486	$253
Failure to wear a seat belt	$1486	$248
Child safety restraint	$1493	$254
Driving with expired registration	$1493	$249
Driving too slowly	$1507	$256
Failure to stop at a red light	$1507	$251
Speeding in school zone	$1507	$256
Cell phone violation	$1521	$254
Improper passing	$1528	$260
Texting while driving	$1528	$255
Wrong way/wrong lane	$1528	$260
Speeding 6 - 10 MPH over limit	$1535	$256
Failure to yield	$1542	$262
Speeding 11 - 15 MPH over limit	$1542	$257
Following too closely	$1549	$263
Illegal turn	$1549	$258
Speeding 16 - 20 MPH over limit	$1549	$263
Speeding 21 - 25 MPH over limit	$1564	$261
Passing school bus	$1578	$268
In 65 MPH zone	$1619	$270
At-fault accident - less than $1000	$1696	$288
Operating a vehicle without permission	$1710	$286
Open container	$1759	$300
At-fault accident - $1000-$2000	$1829	$304
At-fault accident - greater than $2000	$1829	$312
Driving with a suspended license	$1907	$317
Reckless driving	$1907	$325
Refusal to submit to a chemical test	$2089	$348
DUI	$2110	$359
Racing	$2131	$355
Leaving scene of an accident/hit and run	$2145	$365

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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 Hermanville 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 Hermanville.

The cheapest car insurance premiums in Hermanville are offered by Mississippi Farm Bureau at $365 for a six-month policy. However, it can be as expensive as $4837 with companies like Farmers.

Hermanville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$365	$63
Direct General Insurance	$372	$61
National General	$379	$65
Travelers	$961	$162
Progressive	$1023	$172
State Farm	$1066	$179
USAA	$1261	$212
Shelter	$1815	$306
Farm Bureau	$2138	$363
Allstate	$2172	$366
Nationwide	$2565	$432
Farmers	$4837	$806

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 Hermanville are offered by Mississippi Farm Bureau at $210. However, it can be as expensive as $2832 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Hermanville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$210	$35
Direct General Insurance	$294	$50
State Farm	$644	$109
USAA	$995	$169
Progressive	$1023	$172
Farm Bureau	$1395	$237
Travelers	$1416	$236
Shelter	$1514	$257
Allstate	$1907	$317
Farmers	$2523	$430
Nationwide	$2832	$472

Car Insurance Price Trends in Hermanville, Mississippi

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

The average cost of full coverage in the Hermanville rose by $280 in January compared to $241 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Hermanville rose to $57 in January, compared to $54 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 Hermanville?

The car insurance in Hermanville is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Hermanville?

The cheapest car insurance in Hermanville is $78 per month for full coverage.

How much is car insurance in Hermanville for teenagers?

Car insurance for teenagers costs $231 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 Hermanville?

The average cost of car insurance is $980 for a six-month policy. It will cost around $195 per month to insure your car in Hermanville.

Is car insurance expensive in Hermanville?

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

What is the best car insurance in Hermanville, MS?

The best car insurance company in Hermanville MS is Direct General Insurance, offering $455 for a six-month policy.