Cheapest Car Insurance Quotes in Natchez

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Natchez Car Insurance

^$ 29

/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 Natchez

The car insurance rate in Natchez is $963 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Natchez 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 Natchez

$963

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Natchez

1st place: Direct General Insurance

At $428 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 $475 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $798 for six months, making it the third cheapest auto insurance company in Natchez.

Natchez Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Natchez, MS is Direct General Insurance, offering policies at just $428 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $475.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1471 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Natchez drivers find the best deals.

Cheap Car Insurance Companies in Natchez, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$428	$73
Mississippi Farm Bureau	$475	$79
USAA	$798	$134
Travelers	$818	$138
State Farm	$844	$142
Farm Bureau	$877	$147
National Farmers Union Insurance	$884	$150
Nationwide	$1055	$178
Progressive	$1114	$188
Shelter	$1148	$193
Allstate	$1279	$218
Farmers	$1339	$223
Safeway	$1471	$250

Key Takeaways

Way's key takeaways about car insurance in Natchez

The auto insurance costs in Natchez fall around $428 for six months.
The cheapest auto insurance company in Natchez is Direct General Insurance.
Teen drivers pay the highest rate in Natchez at $965 per month.

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Cheapest Minimum Liability Car Insurance in Natchez

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 Natchez are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Natchez. Their Average 6 Month Premium is $171. Farmers is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Natchez, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$171	$29
Mississippi Farm Bureau	$178	$30
National Farmers Union Insurance	$178	$30
State Farm	$204	$34
USAA	$218	$37
Farm Bureau	$276	$47
Progressive	$283	$48
Safeway	$336	$58
Travelers	$343	$58
Shelter	$395	$67
Nationwide	$408	$69
Allstate	$488	$82
Farmers	$587	$98

Cheapest Full Coverage Car Insurance in Natchez

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 Natchez is Direct General Insurance at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Natchez, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$428	$73
Mississippi Farm Bureau	$475	$79
USAA	$798	$134
Travelers	$818	$138
State Farm	$844	$142
Farm Bureau	$877	$147
National Farmers Union Insurance	$884	$150
Nationwide	$1055	$178
Progressive	$1114	$188
Shelter	$1148	$193
Allstate	$1279	$218
Farmers	$1339	$223
Safeway	$1471	$250

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Average Car Insurance in Natchez 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 Natchez, MS increasing?

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

Car Insurance Premiums by Age in Natchez

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 Natchez,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 Natchez at $37 per month. At $5789 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	$218	$37
National General	$224	$38
Mississippi Farm Bureau	$244	$41
State Farm	$751	$127
USAA	$844	$142
Travelers	$1029	$173
Farm Bureau	$1510	$256
Progressive	$1807	$304
Shelter	$2908	$494
Farmers	$4048	$675
Allstate	$4543	$773
Nationwide	$5789	$965

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 Natchez, Direct General Insurance is the cheapest car insurance provider. At $218 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 Natchez is Farmers, offering rates of around $3949 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$218	$37
Mississippi Farm Bureau	$310	$52
Travelers	$1009	$170
Progressive	$1016	$171
USAA	$1227	$209
Nationwide	$1272	$214
Farm Bureau	$1503	$255
Allstate	$2050	$342
Shelter	$2617	$445
State Farm	$3185	$531
Farmers	$3949	$672

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Car Insurance Rates with An Accident in Natchez

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

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

The cheapest car insurance companies after an at-fault accident in Natchez include Mississippi Farm Bureau and Direct General Insurance, offering $244 and $350, respectively. Farmers is an expensive provider with an average six-month premium of $3198.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$244	$41
Direct General Insurance	$350	$60
National General	$356	$59
State Farm	$376	$63
Safeway	$402	$67
USAA	$442	$74
Shelter	$646	$109
Travelers	$673	$113
Progressive	$738	$124
Farm Bureau	$1128	$192
Nationwide	$1437	$242
Allstate	$1886	$321
Farmers	$3198	$533

Natchez Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Natchez MS. For example, the car insurance in Natchez after a DUI increases to $812 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Natchez auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1173	$195
One Med/PIP claim	$1173	$200
Not-at-fault accident	$1227	$204
One comp claim	$1253	$213
Two Med/PIP claims	$1260	$210
Driving without lights	$1352	$230
Two comp claims	$1359	$226
Failure to show documents	$1397	$238
Failure to wear a seat belt	$1397	$233
Child safety restraint	$1404	$239
Driving with expired registration	$1404	$234
Driving too slowly	$1417	$241
Failure to stop at a red light	$1417	$236
Speeding in school zone	$1417	$241
Cell phone violation	$1431	$239
Improper passing	$1437	$244
Texting while driving	$1437	$240
Wrong way/wrong lane	$1437	$244
Speeding 6 - 10 MPH over limit	$1444	$241
Failure to yield	$1451	$246
Speeding 11 - 15 MPH over limit	$1451	$242
Following too closely	$1457	$248
Illegal turn	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Speeding 21 - 25 MPH over limit	$1471	$245
Passing school bus	$1484	$252
In 65 MPH zone	$1523	$254
At-fault accident - less than $1000	$1595	$271
Operating a vehicle without permission	$1608	$269
Open container	$1655	$282
At-fault accident - $1000-$2000	$1721	$286
At-fault accident - greater than $2000	$1721	$293
Driving with a suspended license	$1794	$299
Reckless driving	$1794	$305
Refusal to submit to a chemical test	$1965	$327
DUI	$1985	$337
Racing	$2005	$334
Leaving scene of an accident/hit and run	$2018	$343

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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 Natchez 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 Natchez.

The cheapest car insurance premiums in Natchez are offered by Mississippi Farm Bureau at $343 for a six-month policy. However, it can be as expensive as $3198 with companies like Farmers.

Natchez car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$343	$59
Direct General Insurance	$350	$58
National General	$356	$61
State Farm	$818	$138
Travelers	$857	$144
Progressive	$877	$148
USAA	$1134	$191
Farm Bureau	$1424	$238
Shelter	$1688	$284
Allstate	$1794	$302
Nationwide	$1826	$307
Farmers	$3198	$533

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 Natchez are offered by Mississippi Farm Bureau at $198. However, it can be as expensive as $1919 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Natchez after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$198	$33
Direct General Insurance	$276	$47
State Farm	$435	$73
Progressive	$765	$129
USAA	$830	$139
Farm Bureau	$942	$160
Travelers	$1167	$194
Shelter	$1384	$235
Allstate	$1411	$235
Farmers	$1675	$285
Nationwide	$1919	$320

Car Insurance Price Trends in Natchez, Mississippi

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

The average cost of full coverage in the Natchez remained steady at $226 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Natchez remained steady at $51 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 Natchez?

The car insurance in Natchez is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Natchez?

The cheapest car insurance in Natchez is $73 per month for full coverage.

How much is car insurance in Natchez for teenagers?

Car insurance for teenagers costs $218 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 Natchez?

The average cost of car insurance is $868 for a six-month policy. It will cost around $162 per month to insure your car in Natchez.

Is car insurance expensive in Natchez?

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

What is the best car insurance in Natchez, MS?

The best car insurance company in Natchez MS is Direct General Insurance, offering $428 for a six-month policy.