Cheapest Car Insurance Quotes in Mount Olive

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Mount Olive Car Insurance

^$ 28

/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 Mount Olive

The car insurance rate in Mount Olive is $920 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Mount Olive 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 Mount Olive

$920

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Mount Olive

1st place: Direct General Insurance

At $409 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 $454 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $762 for six months, making it the third cheapest auto insurance company in Mount Olive.

Mount Olive Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Olive, MS is Direct General Insurance, offering policies at just $409 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $454.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1405 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Olive drivers find the best deals.

Cheap Car Insurance Companies in Mount Olive, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$409	$70
Mississippi Farm Bureau	$454	$75
USAA	$762	$128
Travelers	$781	$131
State Farm	$806	$136
Farm Bureau	$837	$140
National Farmers Union Insurance	$844	$143
Nationwide	$1007	$170
Progressive	$1064	$179
Shelter	$1096	$184
Allstate	$1221	$208
Farmers	$1278	$213
Safeway	$1405	$239

Key Takeaways

Way's key takeaways about car insurance in Mount Olive

The auto insurance costs in Mount Olive fall around $409 for six months.
The cheapest auto insurance company in Mount Olive is Direct General Insurance.
Teen drivers pay the highest rate in Mount Olive at $921 per month.

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Cheapest Minimum Liability Car Insurance in Mount Olive

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 Mount Olive are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Mount Olive. Their Average 6 Month Premium is $163. Farmers is the most expensive at $561 for the same period.

Cheapest Liability Coverage in Mount Olive, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$163	$28
Mississippi Farm Bureau	$170	$29
National Farmers Union Insurance	$170	$29
State Farm	$195	$33
USAA	$208	$35
Farm Bureau	$264	$45
Progressive	$270	$46
Safeway	$321	$55
Travelers	$328	$55
Shelter	$377	$64
Nationwide	$390	$66
Allstate	$466	$78
Farmers	$561	$93

Cheapest Full Coverage Car Insurance in Mount Olive

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 Mount Olive is Direct General Insurance at $70 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Olive, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$409	$70
Mississippi Farm Bureau	$454	$75
USAA	$762	$128
Travelers	$781	$131
State Farm	$806	$136
Farm Bureau	$837	$140
National Farmers Union Insurance	$844	$143
Nationwide	$1007	$170
Progressive	$1064	$179
Shelter	$1096	$184
Allstate	$1221	$208
Farmers	$1278	$213
Safeway	$1405	$239

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Average Car Insurance in Mount Olive 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 Mount Olive, MS increasing?

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

Car Insurance Premiums by Age in Mount Olive

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 Mount Olive,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 Mount Olive at $35 per month. At $5528 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$208	$35
National General	$214	$36
Mississippi Farm Bureau	$233	$39
State Farm	$718	$121
USAA	$806	$136
Travelers	$983	$165
Farm Bureau	$1442	$245
Progressive	$1726	$290
Shelter	$2777	$472
Farmers	$3866	$644
Allstate	$4339	$738
Nationwide	$5528	$921

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 Mount Olive, Direct General Insurance is the cheapest car insurance provider. At $208 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 Mount Olive is Farmers, offering rates of around $3771 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$208	$35
Mississippi Farm Bureau	$296	$50
Travelers	$964	$162
Progressive	$970	$163
USAA	$1171	$199
Nationwide	$1215	$205
Farm Bureau	$1435	$244
Allstate	$1958	$326
Shelter	$2499	$425
State Farm	$3041	$507
Farmers	$3771	$641

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Car Insurance Rates with An Accident in Mount Olive

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Olive

The cheapest car insurance companies after an at-fault accident in Mount Olive include Mississippi Farm Bureau and Direct General Insurance, offering $233 and $334, respectively. Farmers is an expensive provider with an average six-month premium of $3054.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$233	$39
Direct General Insurance	$334	$57
National General	$340	$56
State Farm	$359	$60
Safeway	$384	$64
USAA	$422	$71
Shelter	$617	$104
Travelers	$642	$108
Progressive	$705	$119
Farm Bureau	$1077	$183
Nationwide	$1373	$231
Allstate	$1801	$306
Farmers	$3054	$509

Mount Olive Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Olive MS. For example, the car insurance in Mount Olive after a DUI increases to $775 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Mount Olive auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1120	$187
One Med/PIP claim	$1120	$191
Not-at-fault accident	$1171	$195
One comp claim	$1197	$204
Two Med/PIP claims	$1203	$200
Driving without lights	$1291	$219
Two comp claims	$1297	$216
Failure to show documents	$1335	$227
Failure to wear a seat belt	$1335	$223
Child safety restraint	$1341	$228
Driving with expired registration	$1341	$224
Driving too slowly	$1354	$230
Failure to stop at a red light	$1354	$226
Speeding in school zone	$1354	$230
Cell phone violation	$1366	$228
Improper passing	$1373	$233
Texting while driving	$1373	$229
Wrong way/wrong lane	$1373	$233
Speeding 6 - 10 MPH over limit	$1379	$230
Failure to yield	$1385	$235
Speeding 11 - 15 MPH over limit	$1385	$231
Following too closely	$1392	$236
Illegal turn	$1392	$232
Speeding 16 - 20 MPH over limit	$1392	$236
Speeding 21 - 25 MPH over limit	$1405	$234
Passing school bus	$1417	$241
In 65 MPH zone	$1454	$243
At-fault accident - less than $1000	$1523	$259
Operating a vehicle without permission	$1536	$257
Open container	$1580	$269
At-fault accident - $1000-$2000	$1643	$273
At-fault accident - greater than $2000	$1643	$280
Driving with a suspended license	$1713	$285
Reckless driving	$1713	$292
Refusal to submit to a chemical test	$1876	$313
DUI	$1895	$322
Racing	$1914	$319
Leaving scene of an accident/hit and run	$1927	$328

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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 Mount Olive 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 Mount Olive.

The cheapest car insurance premiums in Mount Olive are offered by Mississippi Farm Bureau at $328 for a six-month policy. However, it can be as expensive as $3054 with companies like Farmers.

Mount Olive car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$328	$56
Direct General Insurance	$334	$55
National General	$340	$58
State Farm	$781	$131
Travelers	$818	$138
Progressive	$837	$141
USAA	$1083	$182
Farm Bureau	$1360	$227
Shelter	$1612	$271
Allstate	$1713	$288
Nationwide	$1744	$294
Farmers	$3054	$509

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 Mount Olive are offered by Mississippi Farm Bureau at $189. However, it can be as expensive as $1833 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mount Olive after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$189	$32
Direct General Insurance	$264	$45
State Farm	$416	$70
Progressive	$730	$123
USAA	$793	$133
Farm Bureau	$900	$153
Travelers	$1114	$186
Shelter	$1322	$225
Allstate	$1347	$225
Farmers	$1600	$272
Nationwide	$1833	$305

Car Insurance Price Trends in Mount Olive, Mississippi

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

The average cost of full coverage in the Mount Olive remained steady at $216 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Mount Olive remained steady at $49 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mount Olive?

The car insurance in Mount Olive is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Olive?

The cheapest car insurance in Mount Olive is $70 per month for full coverage.

How much is car insurance in Mount Olive for teenagers?

Car insurance for teenagers costs $208 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 Mount Olive?

The average cost of car insurance is $868 for a six-month policy. It will cost around $155 per month to insure your car in Mount Olive.

Is car insurance expensive in Mount Olive?

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

What is the best car insurance in Mount Olive, MS?

The best car insurance company in Mount Olive MS is Direct General Insurance, offering $409 for a six-month policy.