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Pheba Car Insurance
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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.
The car insurance rate in Pheba is $804 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, making it a popular choice for budget-conscious drivers. Rates in Pheba 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 $359 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.
Mississippi Farm Bureau offers auto insurance rates at $398 for a six-month policy, making it one of the cheapest to insure with.
USAA offers auto insurance rates at $663 for six months, making it the third cheapest auto insurance company in Pheba.
Based on our research, the cheapest car insurance company in Pheba, MS is Direct General Insurance, offering policies at just $359 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $398.
At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1210 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pheba drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $359 | $61 |
| Mississippi Farm Bureau | $398 | $66 |
| USAA | $663 | $112 |
| Travelers | $685 | $115 |
| State Farm | $696 | $117 |
| Farm Bureau | $735 | $123 |
| National Farmers Union Insurance | $740 | $126 |
| Nationwide | $884 | $149 |
| Progressive | $939 | $158 |
| Shelter | $962 | $162 |
| Allstate | $1071 | $182 |
| Farmers | $1122 | $187 |
| Safeway | $1210 | $206 |
Save up to $971/yr with our auto insurance quotes
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 Pheba are given below.
Direct General Insurance provides the cheapest minimum car insurance coverage in Pheba. Their Average 6 Month Premium is $143. Farmers is the most expensive at $492 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $143 | $24 |
| Mississippi Farm Bureau | $149 | $25 |
| National Farmers Union Insurance | $149 | $25 |
| State Farm | $171 | $29 |
| USAA | $182 | $31 |
| Farm Bureau | $232 | $39 |
| Progressive | $237 | $40 |
| Safeway | $271 | $46 |
| Travelers | $287 | $48 |
| Shelter | $331 | $56 |
| Nationwide | $342 | $58 |
| Allstate | $409 | $69 |
| Farmers | $492 | $82 |
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 Pheba is Direct General Insurance at $61 per month and $359 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $359 | $61 |
| Mississippi Farm Bureau | $398 | $66 |
| USAA | $663 | $112 |
| Travelers | $685 | $115 |
| State Farm | $696 | $117 |
| Farm Bureau | $735 | $123 |
| National Farmers Union Insurance | $740 | $126 |
| Nationwide | $884 | $149 |
| Progressive | $939 | $158 |
| Shelter | $962 | $162 |
| Allstate | $1071 | $182 |
| Farmers | $1122 | $187 |
| Safeway | $1210 | $206 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Pheba, 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, Pheba's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Pheba at $31 per month. At $4850 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 | $182 | $31 |
| National General | $188 | $32 |
| Mississippi Farm Bureau | $205 | $34 |
| State Farm | $630 | $106 |
| USAA | $707 | $119 |
| Travelers | $862 | $145 |
| Farm Bureau | $1265 | $215 |
| Progressive | $1514 | $255 |
| Shelter | $2437 | $414 |
| Farmers | $3392 | $565 |
| Allstate | $3806 | $647 |
| Nationwide | $4850 | $808 |
Teen Car Insurance Rates in MS by Age
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.
For those with poor credit scores in Pheba, Direct General Insurance is the cheapest car insurance provider. At $182 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 Pheba is Farmers, offering rates of around $3309 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $182 | $31 |
| Mississippi Farm Bureau | $259 | $44 |
| Travelers | $845 | $142 |
| Progressive | $851 | $143 |
| USAA | $1028 | $175 |
| Nationwide | $1066 | $179 |
| Farm Bureau | $1259 | $214 |
| Allstate | $1718 | $286 |
| Shelter | $2193 | $373 |
| State Farm | $2668 | $445 |
| Farmers | $3309 | $563 |
Save up to $971/yr on car insurance rates in Pheba.
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 Pheba, MS, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Pheba include Mississippi Farm Bureau and Direct General Insurance, offering $205 and $293, respectively. Farmers is an expensive provider with an average six-month premium of $2679.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mississippi Farm Bureau | $205 | $34 |
| Direct General Insurance | $293 | $50 |
| National General | $299 | $49 |
| State Farm | $310 | $52 |
| Safeway | $348 | $58 |
| USAA | $370 | $62 |
| Shelter | $541 | $91 |
| Travelers | $564 | $95 |
| Progressive | $618 | $104 |
| Farm Bureau | $945 | $161 |
| Nationwide | $1204 | $203 |
| Allstate | $1580 | $269 |
| Farmers | $2679 | $446 |
Here is a list of driving violations that can increase your car insurance rates in Pheba MS. For example, the car insurance in Pheba after a DUI increases to $680 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $983 | $164 |
| One Med/PIP claim | $983 | $167 |
| Not-at-fault accident | $1028 | $171 |
| One comp claim | $1050 | $179 |
| Two Med/PIP claims | $1056 | $176 |
| Driving without lights | $1133 | $193 |
| Two comp claims | $1138 | $190 |
| Failure to show documents | $1171 | $199 |
| Failure to wear a seat belt | $1171 | $195 |
| Child safety restraint | $1176 | $200 |
| Driving with expired registration | $1176 | $196 |
| Driving too slowly | $1188 | $202 |
| Failure to stop at a red light | $1188 | $198 |
| Speeding in school zone | $1188 | $202 |
| Cell phone violation | $1199 | $200 |
| Improper passing | $1204 | $205 |
| Texting while driving | $1204 | $201 |
| Wrong way/wrong lane | $1204 | $205 |
| Speeding 6 - 10 MPH over limit | $1210 | $202 |
| Failure to yield | $1216 | $206 |
| Speeding 11 - 15 MPH over limit | $1216 | $203 |
| Following too closely | $1221 | $207 |
| Illegal turn | $1221 | $204 |
| Speeding 16 - 20 MPH over limit | $1221 | $207 |
| Speeding 21 - 25 MPH over limit | $1232 | $206 |
| Passing school bus | $1243 | $211 |
| In 65 MPH zone | $1276 | $213 |
| At-fault accident - less than $1000 | $1336 | $227 |
| Operating a vehicle without permission | $1348 | $225 |
| Open container | $1387 | $236 |
| At-fault accident - $1000-$2000 | $1442 | $240 |
| At-fault accident - greater than $2000 | $1442 | $246 |
| Driving with a suspended license | $1503 | $250 |
| Reckless driving | $1503 | $256 |
| Refusal to submit to a chemical test | $1646 | $274 |
| DUI | $1663 | $283 |
| Racing | $1680 | $280 |
| Leaving scene of an accident/hit and run | $1691 | $287 |
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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.
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 Pheba.
The cheapest car insurance premiums in Pheba are offered by Mississippi Farm Bureau at $287 for a six-month policy. However, it can be as expensive as $2679 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mississippi Farm Bureau | $287 | $49 |
| Direct General Insurance | $293 | $48 |
| National General | $299 | $51 |
| State Farm | $685 | $115 |
| Travelers | $718 | $121 |
| Progressive | $735 | $124 |
| USAA | $950 | $160 |
| Farm Bureau | $1193 | $199 |
| Shelter | $1415 | $238 |
| Allstate | $1503 | $253 |
| Nationwide | $1530 | $258 |
| Farmers | $2679 | $446 |
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 Pheba are offered by Mississippi Farm Bureau at $166. However, it can be as expensive as $1608 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mississippi Farm Bureau | $166 | $28 |
| Direct General Insurance | $232 | $39 |
| State Farm | $365 | $61 |
| Progressive | $641 | $108 |
| USAA | $696 | $116 |
| Farm Bureau | $790 | $134 |
| Travelers | $977 | $163 |
| Shelter | $1160 | $197 |
| Allstate | $1182 | $197 |
| Farmers | $1403 | $239 |
| Nationwide | $1608 | $268 |
Car insurance rates in Pheba have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pheba remained steady at $190 in both October and September, indicating no change over the two month period.
The average cost of liability insurance in the Pheba remained steady at $43 in both October and September, indicating no change over the two month period.
How much is car insurance in Pheba?
The car insurance in Pheba is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Pheba?
The cheapest car insurance in Pheba is $61 per month for full coverage.
How much is car insurance in Pheba for teenagers?
Car insurance for teenagers costs $182 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 Pheba?
The average cost of car insurance is $865 for a six-month policy. It will cost around $135 per month to insure your car in Pheba.
Is car insurance expensive in Pheba?
Car insurance can be expensive in Pheba if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Pheba can be affordable.
What is the best car insurance in Pheba, MS?
The best car insurance company in Pheba MS is Direct General Insurance, offering $359 for a six-month policy.
Cut auto insurance costs in Pheba right now.