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Finding the cheapest car insurance quotes in Midnight shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Midnight
The car insurance rate in Midnight is $868 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Midnight 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.
At $386 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 $428 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $719
for six months, making it
the third cheapest auto insurance company in Midnight.
Midnight Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Midnight, MS is Direct General Insurance, offering policies at just $386 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $428.
At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midnight drivers find the best deals.
Way's key takeaways about car insurance in Midnight
The auto insurance costs in Midnight fall around $386 for six
months.
The cheapest auto insurance company in Midnight is Direct General Insurance.
Teen drivers pay the highest rate in Midnight at $869 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Midnight
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 Midnight are given below.
Direct General Insurance provides
the cheapest minimum car insurance
coverage in Midnight. Their Average 6 Month Premium is $154.
Farmers is the most
expensive at $529 for the same
period.
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 Midnight is Direct General Insurance
at $66 per month and $386
for six months.
Cheapest Full Coverage Car Insurance Quotes in Midnight,
MS
Get Your Car Insurance Quote in Midnight
Instantly!
Average Car Insurance in Midnight 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 Midnight, MS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Midnight, 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, Midnight's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Midnight
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Midnight,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 Midnight at $33
per
month. At $5215 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Midnight.
As young drivers face the highest rates in Midnight, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Midnight,
Direct General Insurance is
the cheapest car insurance provider. At $196 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
Midnight is Farmers, offering
rates of around $3558 for six
months.
Save up to $971/yr on car insurance rates in Midnight.
Car Insurance Rates with An Accident in Midnight
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 Midnight, MS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Midnight
The cheapest car insurance companies after an at-fault accident in
Midnight include Mississippi Farm Bureau
and Direct General Insurance, offering $220
and $315,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2881.
Here is a list of driving violations that can increase your car
insurance rates in Midnight MS. For example, the car
insurance in Midnight
after a DUI increases to $731 for a six
month policy. While the rate increases by $244 for a six-month policy in the case of
a speeding ticket.
Midnight auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1057
$176
One Med/PIP claim
$1057
$180
Not-at-fault accident
$1105
$184
One comp claim
$1129
$192
Two Med/PIP claims
$1135
$189
Driving without lights
$1218
$207
Two comp claims
$1224
$204
Failure to show documents
$1259
$214
Failure to wear a seat belt
$1259
$210
Child safety restraint
$1265
$215
Driving with expired registration
$1265
$211
Driving too slowly
$1277
$217
Failure to stop at a red light
$1277
$213
Speeding in school zone
$1277
$217
Cell phone violation
$1289
$215
Improper passing
$1295
$220
Texting while driving
$1295
$216
Wrong way/wrong lane
$1295
$220
Speeding 6 - 10 MPH over limit
$1301
$217
Failure to yield
$1307
$222
Speeding 11 - 15 MPH over limit
$1307
$218
Following too closely
$1313
$223
Illegal turn
$1313
$219
Speeding 16 - 20 MPH over limit
$1313
$223
Speeding 21 - 25 MPH over limit
$1325
$221
Passing school bus
$1337
$227
In 65 MPH zone
$1372
$229
At-fault accident - less than $1000
$1437
$244
Operating a vehicle without permission
$1449
$242
Open container
$1491
$254
At-fault accident - $1000-$2000
$1550
$258
At-fault accident - greater than $2000
$1550
$264
Driving with a suspended license
$1616
$269
Reckless driving
$1616
$275
Refusal to submit to a chemical test
$1770
$295
DUI
$1788
$304
Racing
$1806
$301
Leaving scene of an accident/hit and run
$1818
$309
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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 Midnight 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 Midnight.
The cheapest car insurance premiums in
Midnight are
offered by Mississippi Farm Bureau at $309 for a six-month policy.
However, it can be as
expensive as $2881 with companies
like Farmers.
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 Midnight are offered by Mississippi Farm Bureau
at $178. However,
it can be as expensive as $1729
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Midnight after Speeding ticket
Car Insurance Price Trends in Midnight,
Mississippi
Car insurance rates in Midnight have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Midnight remained steady at $204 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Midnight remained steady at $46 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Midnight by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Midnight. At $1736 for a
six-month policy, insuring
your car at 39115 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Midnight?
The car insurance in Midnight is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Midnight?
The cheapest car insurance in Midnight
is $66 per month
for full coverage.
How much is car insurance in Midnight for teenagers?
Car insurance for teenagers costs $196 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
Midnight?
The average cost of car insurance is $868 for a six-month
policy. It will cost around $146 per month to insure your
car in Midnight.
Is car insurance expensive in Midnight?
Car insurance can be expensive in Midnight if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Midnight can be
affordable.
What is the best car insurance in Midnight,
MS?
The best car insurance company in Midnight
MS is
Direct General Insurance, offering $386 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Midnight, MS
Car Insurance Rates by State in the USA (2025 Update)
Midnight Car Insurance
