Cheapest Car Insurance Quotes in Morgan City

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Morgan City Car Insurance

^$ 25

/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 Morgan City

The car insurance rate in Morgan City is $941 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $371, making it a popular choice for budget-conscious drivers. Rates in Morgan City 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 Morgan City

$941

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Morgan City

1st place: Direct General Insurance

At $371 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 $411 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $713 for six months, making it the third cheapest auto insurance company in Morgan City.

Morgan City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morgan City, MS is Direct General Insurance, offering policies at just $371 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $411.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1637 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morgan City drivers find the best deals.

Cheap Car Insurance Companies in Morgan City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$371	$63
Mississippi Farm Bureau	$411	$68
USAA	$713	$120
Travelers	$741	$125
National Farmers Union Insurance	$764	$130
State Farm	$793	$133
Nationwide	$987	$166
Shelter	$1009	$170
Farm Bureau	$1055	$180
Progressive	$1078	$181
Safeway	$1272	$216
Allstate	$1403	$234
Farmers	$1637	$278

Key Takeaways

Way's key takeaways about car insurance in Morgan City

The auto insurance costs in Morgan City fall around $371 for six months.
The cheapest auto insurance company in Morgan City is Direct General Insurance.
Teen drivers pay the highest rate in Morgan City at $835 per month.

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Cheapest Minimum Liability Car Insurance in Morgan City

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 Morgan City are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Morgan City. Their Average 6 Month Premium is $148. Farmers is the most expensive at $559 for the same period.

Cheapest Liability Coverage in Morgan City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$148	$25
Mississippi Farm Bureau	$154	$26
National Farmers Union Insurance	$154	$26
State Farm	$188	$32
USAA	$194	$33
Progressive	$256	$43
Farm Bureau	$291	$48
Safeway	$291	$50
Travelers	$297	$50
Shelter	$336	$57
Nationwide	$371	$62
Allstate	$473	$80
Farmers	$559	$93

Cheapest Full Coverage Car Insurance in Morgan City

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 Morgan City is Direct General Insurance at $63 per month and $371 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morgan City, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$371	$63
Mississippi Farm Bureau	$411	$68
USAA	$713	$120
Travelers	$741	$125
National Farmers Union Insurance	$764	$130
State Farm	$793	$133
Nationwide	$987	$166
Shelter	$1009	$170
Farm Bureau	$1055	$180
Progressive	$1078	$181
Safeway	$1272	$216
Allstate	$1403	$234
Farmers	$1637	$278

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Average Car Insurance in Morgan City 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 Morgan City, MS increasing?

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

Car Insurance Premiums by Age in Morgan City

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 Morgan City,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 Morgan City at $32 per month. At $5012 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	$188	$32
National General	$194	$33
Mississippi Farm Bureau	$211	$36
USAA	$821	$138
State Farm	$906	$153
Travelers	$964	$162
Farm Bureau	$1819	$309
Progressive	$1848	$311
Shelter	$2595	$442
Nationwide	$4938	$823
Allstate	$5001	$851
Farmers	$5012	$835

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 Morgan City, Direct General Insurance is the cheapest car insurance provider. At $188 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 Morgan City is Farmers, offering rates of around $4830 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$188	$32
Mississippi Farm Bureau	$268	$45
Travelers	$964	$162
Progressive	$1032	$174
USAA	$1187	$202
Nationwide	$1563	$263
Farm Bureau	$2093	$356
Allstate	$2298	$383
Shelter	$2355	$400
State Farm	$4168	$695
Farmers	$4830	$821

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Car Insurance Rates with An Accident in Morgan City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morgan City

The cheapest car insurance companies after an at-fault accident in Morgan City include Mississippi Farm Bureau and Direct General Insurance, offering $211 and $302, respectively. Farmers is an expensive provider with an average six-month premium of $3935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$211	$36
Direct General Insurance	$302	$52
National General	$308	$51
Safeway	$348	$60
State Farm	$365	$61
USAA	$405	$68
Shelter	$570	$96
Travelers	$633	$107
Progressive	$787	$132
Farm Bureau	$1369	$232
Nationwide	$1573	$265
Allstate	$2076	$353
Farmers	$3935	$656

Morgan City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morgan City MS. For example, the car insurance in Morgan City after a DUI increases to $701 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Morgan City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1015	$169
One Med/PIP claim	$1015	$173
Not-at-fault accident	$1061	$177
One comp claim	$1084	$184
Two Med/PIP claims	$1090	$181
Driving without lights	$1169	$199
Two comp claims	$1175	$196
Failure to show documents	$1209	$205
Failure to wear a seat belt	$1209	$202
Child safety restraint	$1214	$206
Driving with expired registration	$1214	$203
Driving too slowly	$1226	$208
Failure to stop at a red light	$1226	$204
Speeding in school zone	$1226	$208
Cell phone violation	$1237	$206
Improper passing	$1243	$211
Texting while driving	$1243	$207
Wrong way/wrong lane	$1243	$211
Speeding 6 - 10 MPH over limit	$1249	$208
Failure to yield	$1255	$213
Speeding 11 - 15 MPH over limit	$1255	$209
Following too closely	$1260	$214
Illegal turn	$1260	$210
Speeding 16 - 20 MPH over limit	$1260	$214
Speeding 21 - 25 MPH over limit	$1272	$212
Passing school bus	$1284	$218
In 65 MPH zone	$1317	$220
At-fault accident - less than $1000	$1380	$234
Operating a vehicle without permission	$1391	$232
Open container	$1431	$244
At-fault accident - $1000-$2000	$1488	$248
At-fault accident - greater than $2000	$1488	$253
Driving with a suspended license	$1551	$258
Reckless driving	$1551	$264
Refusal to submit to a chemical test	$1699	$283
DUI	$1716	$292
Racing	$1734	$289
Leaving scene of an accident/hit and run	$1745	$297

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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 Morgan City 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 Morgan City.

The cheapest car insurance premiums in Morgan City are offered by Mississippi Farm Bureau at $297 for a six-month policy. However, it can be as expensive as $3935 with companies like Farmers.

Morgan City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$297	$51
Direct General Insurance	$302	$50
National General	$308	$53
Travelers	$781	$132
Progressive	$832	$140
State Farm	$867	$146
USAA	$1026	$173
Shelter	$1476	$249
Farm Bureau	$1740	$296
Allstate	$1767	$298
Nationwide	$2087	$351
Farmers	$3935	$656

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 Morgan City are offered by Mississippi Farm Bureau at $171. However, it can be as expensive as $2304 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Morgan City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$171	$29
Direct General Insurance	$239	$40
State Farm	$524	$88
USAA	$809	$137
Progressive	$832	$140
Farm Bureau	$1135	$193
Travelers	$1152	$192
Shelter	$1232	$209
Allstate	$1551	$258
Farmers	$2052	$349
Nationwide	$2304	$384

Car Insurance Price Trends in Morgan City, Mississippi

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

The average cost of full coverage in the Morgan City rose by $228 in January compared to $196 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Morgan City rose to $46 in January, compared to $44 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 Morgan City?

The car insurance in Morgan City is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Morgan City?

The cheapest car insurance in Morgan City is $63 per month for full coverage.

How much is car insurance in Morgan City for teenagers?

Car insurance for teenagers costs $188 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 Morgan City?

The average cost of car insurance is $980 for a six-month policy. It will cost around $158 per month to insure your car in Morgan City.

Is car insurance expensive in Morgan City?

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

What is the best car insurance in Morgan City, MS?

The best car insurance company in Morgan City MS is Direct General Insurance, offering $371 for a six-month policy.