Cheapest Car Insurance Quotes in Pickens

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Pickens Car Insurance

^$ 27

/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 Pickens

The car insurance rate in Pickens is $1029 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in Pickens 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 Pickens

$1029

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Pickens

1st place: Direct General Insurance

At $405 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 $449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $780 for six months, making it the third cheapest auto insurance company in Pickens.

Pickens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pickens, MS is Direct General Insurance, offering policies at just $405 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $449.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1790 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pickens drivers find the best deals.

Cheap Car Insurance Companies in Pickens, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$405	$69
Mississippi Farm Bureau	$449	$75
USAA	$780	$131
Travelers	$811	$137
National Farmers Union Insurance	$836	$142
State Farm	$867	$146
Nationwide	$1079	$182
Shelter	$1104	$186
Farm Bureau	$1154	$196
Progressive	$1179	$198
Safeway	$1391	$236
Allstate	$1534	$256
Farmers	$1790	$305

Key Takeaways

Way's key takeaways about car insurance in Pickens

The auto insurance costs in Pickens fall around $405 for six months.
The cheapest auto insurance company in Pickens is Direct General Insurance.
Teen drivers pay the highest rate in Pickens at $914 per month.

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Cheapest Minimum Liability Car Insurance in Pickens

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 Pickens are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Pickens. Their Average 6 Month Premium is $162. Farmers is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Pickens, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$162	$27
Mississippi Farm Bureau	$168	$28
National Farmers Union Insurance	$168	$28
State Farm	$206	$35
USAA	$212	$36
Progressive	$280	$47
Farm Bureau	$318	$53
Safeway	$318	$55
Travelers	$324	$55
Shelter	$368	$62
Nationwide	$405	$68
Allstate	$518	$87
Farmers	$611	$102

Cheapest Full Coverage Car Insurance in Pickens

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 Pickens is Direct General Insurance at $69 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pickens, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$405	$69
Mississippi Farm Bureau	$449	$75
USAA	$780	$131
Travelers	$811	$137
National Farmers Union Insurance	$836	$142
State Farm	$867	$146
Nationwide	$1079	$182
Shelter	$1104	$186
Farm Bureau	$1154	$196
Progressive	$1179	$198
Safeway	$1391	$236
Allstate	$1534	$256
Farmers	$1790	$305

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Average Car Insurance in Pickens 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 Pickens, MS increasing?

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

Car Insurance Premiums by Age in Pickens

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 Pickens,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 Pickens at $35 per month. At $5482 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	$206	$35
National General	$212	$36
Mississippi Farm Bureau	$231	$39
USAA	$898	$151
State Farm	$991	$167
Travelers	$1054	$177
Farm Bureau	$1990	$338
Progressive	$2021	$340
Shelter	$2838	$483
Nationwide	$5401	$900
Allstate	$5469	$930
Farmers	$5482	$914

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 Pickens, Direct General Insurance is the cheapest car insurance provider. At $206 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 Pickens is Farmers, offering rates of around $5283 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$206	$35
Mississippi Farm Bureau	$293	$49
Travelers	$1054	$177
Progressive	$1129	$190
USAA	$1298	$221
Nationwide	$1709	$288
Farm Bureau	$2289	$390
Allstate	$2514	$419
Shelter	$2576	$438
State Farm	$4559	$760
Farmers	$5283	$898

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Car Insurance Rates with An Accident in Pickens

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

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

The cheapest car insurance companies after an at-fault accident in Pickens include Mississippi Farm Bureau and Direct General Insurance, offering $231 and $331, respectively. Farmers is an expensive provider with an average six-month premium of $4304.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$231	$39
Direct General Insurance	$331	$57
National General	$337	$56
Safeway	$380	$65
State Farm	$399	$67
USAA	$443	$75
Shelter	$624	$105
Travelers	$692	$117
Progressive	$861	$145
Farm Bureau	$1497	$254
Nationwide	$1721	$290
Allstate	$2270	$386
Farmers	$4304	$717

Pickens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pickens MS. For example, the car insurance in Pickens after a DUI increases to $767 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Pickens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1110	$185
One Med/PIP claim	$1110	$189
Not-at-fault accident	$1160	$193
One comp claim	$1185	$202
Two Med/PIP claims	$1192	$198
Driving without lights	$1279	$217
Two comp claims	$1285	$214
Failure to show documents	$1322	$225
Failure to wear a seat belt	$1322	$221
Child safety restraint	$1328	$226
Driving with expired registration	$1328	$222
Driving too slowly	$1341	$228
Failure to stop at a red light	$1341	$224
Speeding in school zone	$1341	$228
Cell phone violation	$1353	$226
Improper passing	$1360	$231
Texting while driving	$1360	$227
Wrong way/wrong lane	$1360	$231
Speeding 6 - 10 MPH over limit	$1366	$228
Failure to yield	$1372	$233
Speeding 11 - 15 MPH over limit	$1372	$229
Following too closely	$1379	$234
Illegal turn	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Speeding 21 - 25 MPH over limit	$1391	$232
Passing school bus	$1404	$238
In 65 MPH zone	$1441	$240
At-fault accident - less than $1000	$1509	$256
Operating a vehicle without permission	$1521	$254
Open container	$1566	$267
At-fault accident - $1000-$2000	$1628	$271
At-fault accident - greater than $2000	$1628	$277
Driving with a suspended license	$1697	$282
Reckless driving	$1697	$289
Refusal to submit to a chemical test	$1859	$310
DUI	$1877	$319
Racing	$1896	$316
Leaving scene of an accident/hit and run	$1909	$324

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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 Pickens 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 Pickens.

The cheapest car insurance premiums in Pickens are offered by Mississippi Farm Bureau at $324 for a six-month policy. However, it can be as expensive as $4304 with companies like Farmers.

Pickens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$324	$56
Direct General Insurance	$331	$55
National General	$337	$58
Travelers	$855	$144
Progressive	$910	$153
State Farm	$948	$160
USAA	$1122	$189
Shelter	$1615	$272
Farm Bureau	$1903	$323
Allstate	$1933	$326
Nationwide	$2283	$384
Farmers	$4304	$717

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 Pickens are offered by Mississippi Farm Bureau at $187. However, it can be as expensive as $2520 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pickens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$187	$32
Direct General Insurance	$261	$44
State Farm	$573	$97
USAA	$885	$150
Progressive	$910	$153
Farm Bureau	$1241	$211
Travelers	$1260	$210
Shelter	$1347	$229
Allstate	$1697	$282
Farmers	$2245	$382
Nationwide	$2520	$420

Car Insurance Price Trends in Pickens, Mississippi

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

The average cost of full coverage in the Pickens rose by $249 in January compared to $214 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Pickens rose to $50 in January, compared to $48 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 Pickens?

The car insurance in Pickens is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Pickens?

The cheapest car insurance in Pickens is $69 per month for full coverage.

How much is car insurance in Pickens for teenagers?

Car insurance for teenagers costs $206 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 Pickens?

The average cost of car insurance is $980 for a six-month policy. It will cost around $173 per month to insure your car in Pickens.

Is car insurance expensive in Pickens?

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

What is the best car insurance in Pickens, MS?

The best car insurance company in Pickens MS is Direct General Insurance, offering $405 for a six-month policy.