Cheapest Car Insurance Quotes in New Houlka

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New Houlka Car Insurance

^$ 24

/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 New Houlka

The car insurance rate in New Houlka is $813 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in New Houlka 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 New Houlka

$813

Avg. Car Insurance in Mississippi

$865

National Average

$1128

Cheapest Car Insurance Companies in New Houlka

1st place: Direct General Insurance

At $363 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 $402 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $670 for six months, making it the third cheapest auto insurance company in New Houlka.

New Houlka Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Houlka, MS is Direct General Insurance, offering policies at just $363 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $402.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1223 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Houlka drivers find the best deals.

Cheap Car Insurance Companies in New Houlka, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$363	$62
Mississippi Farm Bureau	$402	$67
USAA	$670	$113
Travelers	$693	$117
State Farm	$703	$118
Farm Bureau	$743	$124
National Farmers Union Insurance	$748	$127
Nationwide	$893	$150
Progressive	$949	$160
Shelter	$972	$164
Allstate	$1083	$184
Farmers	$1134	$189
Safeway	$1223	$208

Key Takeaways

Way's key takeaways about car insurance in New Houlka

The auto insurance costs in New Houlka fall around $363 for six months.
The cheapest auto insurance company in New Houlka is Direct General Insurance.
Teen drivers pay the highest rate in New Houlka at $817 per month.

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Cheapest Minimum Liability Car Insurance in New Houlka

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 New Houlka are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in New Houlka. Their Average 6 Month Premium is $145. Farmers is the most expensive at $497 for the same period.

Cheapest Liability Coverage in New Houlka, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$145	$24
Mississippi Farm Bureau	$150	$25
National Farmers Union Insurance	$150	$25
State Farm	$173	$29
USAA	$184	$31
Farm Bureau	$234	$39
Progressive	$240	$40
Safeway	$274	$46
Travelers	$290	$49
Shelter	$335	$56
Nationwide	$346	$58
Allstate	$414	$70
Farmers	$497	$83

Cheapest Full Coverage Car Insurance in New Houlka

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 New Houlka is Direct General Insurance at $62 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Houlka, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$363	$62
Mississippi Farm Bureau	$402	$67
USAA	$670	$113
Travelers	$693	$117
State Farm	$703	$118
Farm Bureau	$743	$124
National Farmers Union Insurance	$748	$127
Nationwide	$893	$150
Progressive	$949	$160
Shelter	$972	$164
Allstate	$1083	$184
Farmers	$1134	$189
Safeway	$1223	$208

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Average Car Insurance in New Houlka 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 New Houlka, MS increasing?

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

Car Insurance Premiums by Age in New Houlka

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 New Houlka,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 New Houlka at $31 per month. At $4902 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	$184	$31
National General	$190	$32
Mississippi Farm Bureau	$207	$35
State Farm	$636	$107
USAA	$714	$120
Travelers	$871	$147
Farm Bureau	$1278	$217
Progressive	$1530	$258
Shelter	$2463	$418
Farmers	$3428	$572
Allstate	$3847	$654
Nationwide	$4902	$817

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 New Houlka, Direct General Insurance is the cheapest car insurance provider. At $184 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 New Houlka is Farmers, offering rates of around $3345 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$184	$31
Mississippi Farm Bureau	$262	$44
Travelers	$854	$144
Progressive	$860	$145
USAA	$1039	$177
Nationwide	$1077	$181
Farm Bureau	$1273	$216
Allstate	$1736	$290
Shelter	$2217	$377
State Farm	$2697	$449
Farmers	$3345	$569

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Car Insurance Rates with An Accident in New Houlka

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Houlka

The cheapest car insurance companies after an at-fault accident in New Houlka include Mississippi Farm Bureau and Direct General Insurance, offering $207 and $296, respectively. Farmers is an expensive provider with an average six-month premium of $2708.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$207	$35
Direct General Insurance	$296	$51
National General	$302	$50
State Farm	$313	$53
Safeway	$352	$58
USAA	$374	$63
Shelter	$547	$92
Travelers	$570	$96
Progressive	$625	$105
Farm Bureau	$955	$163
Nationwide	$1217	$205
Allstate	$1597	$272
Farmers	$2708	$451

New Houlka Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Houlka MS. For example, the car insurance in New Houlka after a DUI increases to $687 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

New Houlka auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$994	$165
One Med/PIP claim	$994	$169
Not-at-fault accident	$1039	$173
One comp claim	$1061	$180
Two Med/PIP claims	$1067	$178
Driving without lights	$1145	$195
Two comp claims	$1151	$192
Failure to show documents	$1183	$201
Failure to wear a seat belt	$1183	$197
Child safety restraint	$1189	$202
Driving with expired registration	$1189	$198
Driving too slowly	$1200	$204
Failure to stop at a red light	$1200	$200
Speeding in school zone	$1200	$204
Cell phone violation	$1212	$202
Improper passing	$1217	$207
Texting while driving	$1217	$203
Wrong way/wrong lane	$1217	$207
Speeding 6 - 10 MPH over limit	$1223	$204
Failure to yield	$1229	$209
Speeding 11 - 15 MPH over limit	$1229	$205
Following too closely	$1234	$210
Illegal turn	$1234	$206
Speeding 16 - 20 MPH over limit	$1234	$210
Speeding 21 - 25 MPH over limit	$1246	$208
Passing school bus	$1257	$213
In 65 MPH zone	$1290	$215
At-fault accident - less than $1000	$1351	$229
Operating a vehicle without permission	$1362	$227
Open container	$1402	$239
At-fault accident - $1000-$2000	$1457	$243
At-fault accident - greater than $2000	$1457	$248
Driving with a suspended license	$1519	$253
Reckless driving	$1519	$259
Refusal to submit to a chemical test	$1664	$277
DUI	$1681	$286
Racing	$1698	$283
Leaving scene of an accident/hit and run	$1709	$290

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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 New Houlka 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 New Houlka.

The cheapest car insurance premiums in New Houlka are offered by Mississippi Farm Bureau at $290 for a six-month policy. However, it can be as expensive as $2708 with companies like Farmers.

New Houlka car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$290	$50
Direct General Insurance	$296	$49
National General	$302	$52
State Farm	$693	$117
Travelers	$726	$122
Progressive	$743	$125
USAA	$961	$162
Farm Bureau	$1206	$201
Shelter	$1430	$241
Allstate	$1519	$256
Nationwide	$1546	$260
Farmers	$2708	$451

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 New Houlka are offered by Mississippi Farm Bureau at $167. However, it can be as expensive as $1625 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in New Houlka after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$167	$28
Direct General Insurance	$234	$39
State Farm	$368	$62
Progressive	$648	$109
USAA	$703	$118
Farm Bureau	$798	$135
Travelers	$988	$165
Shelter	$1172	$199
Allstate	$1195	$199
Farmers	$1418	$242
Nationwide	$1625	$271

Car Insurance Price Trends in New Houlka, Mississippi

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

The average cost of full coverage in the New Houlka remained steady at $192 in both October and September, indicating no change over the two month period.

The average cost of liability insurance in the New Houlka remained steady at $43 in both October and September, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in New Houlka?

The car insurance in New Houlka is $24 per month, which is lower than the national average.

What is the cheapest car insurance in New Houlka?

The cheapest car insurance in New Houlka is $62 per month for full coverage.

How much is car insurance in New Houlka for teenagers?

Car insurance for teenagers costs $184 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 New Houlka?

The average cost of car insurance is $865 for a six-month policy. It will cost around $136 per month to insure your car in New Houlka.

Is car insurance expensive in New Houlka?

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

What is the best car insurance in New Houlka, MS?

The best car insurance company in New Houlka MS is Direct General Insurance, offering $363 for a six-month policy.