Cheapest Car Insurance Quotes in Port Gibson

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Port Gibson Car Insurance

^$ 30

/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 Port Gibson

The car insurance rate in Port Gibson is $1016 for a six-month policy, which is $148 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Port Gibson 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 Port Gibson

$1016

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Port Gibson

1st place: Direct General Insurance

At $452 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 $501 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $841 for six months, making it the third cheapest auto insurance company in Port Gibson.

Port Gibson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Gibson, MS is Direct General Insurance, offering policies at just $452 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $501.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1550 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Gibson drivers find the best deals.

Cheap Car Insurance Companies in Port Gibson, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$452	$77
Mississippi Farm Bureau	$501	$83
USAA	$841	$142
Travelers	$862	$145
State Farm	$889	$150
Farm Bureau	$924	$154
National Farmers Union Insurance	$931	$158
Nationwide	$1112	$187
Progressive	$1175	$198
Shelter	$1210	$204
Allstate	$1348	$229
Farmers	$1411	$235
Safeway	$1550	$263

Key Takeaways

Way's key takeaways about car insurance in Port Gibson

The auto insurance costs in Port Gibson fall around $452 for six months.
The cheapest auto insurance company in Port Gibson is Direct General Insurance.
Teen drivers pay the highest rate in Port Gibson at $1017 per month.

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Cheapest Minimum Liability Car Insurance in Port Gibson

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 Port Gibson are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Port Gibson. Their Average 6 Month Premium is $180. Farmers is the most expensive at $619 for the same period.

Cheapest Liability Coverage in Port Gibson, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$180	$30
Mississippi Farm Bureau	$187	$32
National Farmers Union Insurance	$187	$32
State Farm	$215	$36
USAA	$229	$39
Farm Bureau	$291	$49
Progressive	$298	$50
Safeway	$355	$61
Travelers	$362	$61
Shelter	$417	$70
Nationwide	$431	$73
Allstate	$515	$87
Farmers	$619	$103

Cheapest Full Coverage Car Insurance in Port Gibson

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 Port Gibson is Direct General Insurance at $77 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Gibson, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$452	$77
Mississippi Farm Bureau	$501	$83
USAA	$841	$142
Travelers	$862	$145
State Farm	$889	$150
Farm Bureau	$924	$154
National Farmers Union Insurance	$931	$158
Nationwide	$1112	$187
Progressive	$1175	$198
Shelter	$1210	$204
Allstate	$1348	$229
Farmers	$1411	$235
Safeway	$1550	$263

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Average Car Insurance in Port Gibson 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 Port Gibson, MS increasing?

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

Car Insurance Premiums by Age in Port Gibson

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 Port Gibson,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 Port Gibson at $39 per month. At $6102 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	$229	$39
National General	$236	$40
Mississippi Farm Bureau	$257	$43
State Farm	$792	$133
USAA	$889	$150
Travelers	$1085	$183
Farm Bureau	$1591	$270
Progressive	$1905	$321
Shelter	$3065	$521
Farmers	$4267	$711
Allstate	$4789	$814
Nationwide	$6102	$1017

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 Port Gibson, Direct General Insurance is the cheapest car insurance provider. At $229 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 Port Gibson is Farmers, offering rates of around $4163 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$229	$39
Mississippi Farm Bureau	$326	$55
Travelers	$1064	$179
Progressive	$1071	$180
USAA	$1293	$220
Nationwide	$1341	$226
Farm Bureau	$1584	$269
Allstate	$2161	$360
Shelter	$2759	$469
State Farm	$3357	$559
Farmers	$4163	$708

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Car Insurance Rates with An Accident in Port Gibson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Gibson

The cheapest car insurance companies after an at-fault accident in Port Gibson include Mississippi Farm Bureau and Direct General Insurance, offering $257 and $369, respectively. Farmers is an expensive provider with an average six-month premium of $3371.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$257	$43
Direct General Insurance	$369	$63
National General	$376	$62
State Farm	$397	$67
Safeway	$424	$70
USAA	$466	$78
Shelter	$681	$115
Travelers	$709	$119
Progressive	$778	$131
Farm Bureau	$1189	$202
Nationwide	$1515	$255
Allstate	$1988	$338
Farmers	$3371	$562

Port Gibson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Gibson MS. For example, the car insurance in Port Gibson after a DUI increases to $855 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Port Gibson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1237	$206
One Med/PIP claim	$1237	$211
Not-at-fault accident	$1293	$215
One comp claim	$1321	$225
Two Med/PIP claims	$1328	$221
Driving without lights	$1425	$242
Two comp claims	$1432	$239
Failure to show documents	$1473	$250
Failure to wear a seat belt	$1473	$246
Child safety restraint	$1480	$252
Driving with expired registration	$1480	$247
Driving too slowly	$1494	$254
Failure to stop at a red light	$1494	$249
Speeding in school zone	$1494	$254
Cell phone violation	$1508	$252
Improper passing	$1515	$257
Texting while driving	$1515	$253
Wrong way/wrong lane	$1515	$257
Speeding 6 - 10 MPH over limit	$1522	$254
Failure to yield	$1529	$260
Speeding 11 - 15 MPH over limit	$1529	$255
Following too closely	$1536	$261
Illegal turn	$1536	$256
Speeding 16 - 20 MPH over limit	$1536	$261
Speeding 21 - 25 MPH over limit	$1550	$259
Passing school bus	$1564	$266
In 65 MPH zone	$1605	$268
At-fault accident - less than $1000	$1681	$285
Operating a vehicle without permission	$1695	$283
Open container	$1744	$297
At-fault accident - $1000-$2000	$1814	$302
At-fault accident - greater than $2000	$1814	$309
Driving with a suspended license	$1891	$315
Reckless driving	$1891	$322
Refusal to submit to a chemical test	$2071	$345
DUI	$2092	$356
Racing	$2113	$352
Leaving scene of an accident/hit and run	$2127	$362

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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 Port Gibson 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 Port Gibson.

The cheapest car insurance premiums in Port Gibson are offered by Mississippi Farm Bureau at $362 for a six-month policy. However, it can be as expensive as $3371 with companies like Farmers.

Port Gibson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$362	$62
Direct General Insurance	$369	$61
National General	$376	$64
State Farm	$862	$145
Travelers	$903	$152
Progressive	$924	$156
USAA	$1196	$201
Farm Bureau	$1501	$250
Shelter	$1780	$300
Allstate	$1891	$318
Nationwide	$1925	$324
Farmers	$3371	$562

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 Port Gibson are offered by Mississippi Farm Bureau at $208. However, it can be as expensive as $2023 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Port Gibson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$208	$35
Direct General Insurance	$291	$49
State Farm	$459	$77
Progressive	$806	$136
USAA	$875	$146
Farm Bureau	$993	$168
Travelers	$1230	$205
Shelter	$1459	$248
Allstate	$1487	$248
Farmers	$1766	$301
Nationwide	$2023	$337

Car Insurance Price Trends in Port Gibson, Mississippi

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

The average cost of full coverage in the Port Gibson remained steady at $239 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Port Gibson remained steady at $54 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 Port Gibson?

The car insurance in Port Gibson is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Port Gibson?

The cheapest car insurance in Port Gibson is $77 per month for full coverage.

How much is car insurance in Port Gibson for teenagers?

Car insurance for teenagers costs $229 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 Port Gibson?

The average cost of car insurance is $868 for a six-month policy. It will cost around $171 per month to insure your car in Port Gibson.

Is car insurance expensive in Port Gibson?

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

What is the best car insurance in Port Gibson, MS?

The best car insurance company in Port Gibson MS is Direct General Insurance, offering $452 for a six-month policy.