Cheapest Car Insurance Quotes in Raymond

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Raymond Car Insurance

^$ 28

/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 Raymond

The car insurance rate in Raymond is $937 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $417, making it a popular choice for budget-conscious drivers. Rates in Raymond 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 Raymond

$937

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Raymond

1st place: Direct General Insurance

At $417 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 $462 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $777 for six months, making it the third cheapest auto insurance company in Raymond.

Raymond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Raymond, MS is Direct General Insurance, offering policies at just $417 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $462.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1431 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Raymond drivers find the best deals.

Cheap Car Insurance Companies in Raymond, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$417	$71
Mississippi Farm Bureau	$462	$77
USAA	$777	$131
Travelers	$796	$134
State Farm	$821	$138
Farm Bureau	$853	$143
National Farmers Union Insurance	$860	$146
Nationwide	$1026	$173
Progressive	$1084	$183
Shelter	$1117	$188
Allstate	$1244	$212
Farmers	$1302	$217
Safeway	$1431	$243

Key Takeaways

Way's key takeaways about car insurance in Raymond

The auto insurance costs in Raymond fall around $417 for six months.
The cheapest auto insurance company in Raymond is Direct General Insurance.
Teen drivers pay the highest rate in Raymond at $939 per month.

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Cheapest Minimum Liability Car Insurance in Raymond

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 Raymond are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Raymond. Their Average 6 Month Premium is $166. Farmers is the most expensive at $571 for the same period.

Cheapest Liability Coverage in Raymond, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$166	$28
Mississippi Farm Bureau	$173	$29
National Farmers Union Insurance	$173	$29
State Farm	$199	$33
USAA	$212	$36
Farm Bureau	$269	$45
Progressive	$275	$46
Safeway	$327	$56
Travelers	$334	$56
Shelter	$384	$65
Nationwide	$397	$67
Allstate	$475	$80
Farmers	$571	$95

Cheapest Full Coverage Car Insurance in Raymond

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 Raymond is Direct General Insurance at $71 per month and $417 for six months.

Cheapest Full Coverage Car Insurance Quotes in Raymond, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$417	$71
Mississippi Farm Bureau	$462	$77
USAA	$777	$131
Travelers	$796	$134
State Farm	$821	$138
Farm Bureau	$853	$143
National Farmers Union Insurance	$860	$146
Nationwide	$1026	$173
Progressive	$1084	$183
Shelter	$1117	$188
Allstate	$1244	$212
Farmers	$1302	$217
Safeway	$1431	$243

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Average Car Insurance in Raymond 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 Raymond, MS increasing?

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

Car Insurance Premiums by Age in Raymond

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 Raymond,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 Raymond at $36 per month. At $5632 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	$212	$36
National General	$218	$37
Mississippi Farm Bureau	$238	$40
State Farm	$731	$123
USAA	$821	$138
Travelers	$1001	$168
Farm Bureau	$1469	$249
Progressive	$1758	$296
Shelter	$2830	$481
Farmers	$3939	$657
Allstate	$4420	$752
Nationwide	$5632	$939

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 Raymond, Direct General Insurance is the cheapest car insurance provider. At $212 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 Raymond is Farmers, offering rates of around $3843 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$212	$36
Mississippi Farm Bureau	$301	$51
Travelers	$982	$165
Progressive	$988	$166
USAA	$1193	$203
Nationwide	$1238	$208
Farm Bureau	$1462	$248
Allstate	$1995	$333
Shelter	$2547	$433
State Farm	$3099	$516
Farmers	$3843	$653

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Car Insurance Rates with An Accident in Raymond

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

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

The cheapest car insurance companies after an at-fault accident in Raymond include Mississippi Farm Bureau and Direct General Insurance, offering $238 and $340, respectively. Farmers is an expensive provider with an average six-month premium of $3111.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$238	$40
Direct General Insurance	$340	$58
National General	$347	$57
State Farm	$366	$62
Safeway	$391	$65
USAA	$430	$72
Shelter	$629	$106
Travelers	$654	$110
Progressive	$718	$121
Farm Bureau	$1097	$187
Nationwide	$1399	$235
Allstate	$1835	$312
Farmers	$3111	$518

Raymond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Raymond MS. For example, the car insurance in Raymond after a DUI increases to $789 for a six month policy. While the rate increases by $263 for a six-month policy in the case of a speeding ticket.

Raymond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1142	$190
One Med/PIP claim	$1142	$194
Not-at-fault accident	$1193	$199
One comp claim	$1219	$207
Two Med/PIP claims	$1226	$204
Driving without lights	$1315	$224
Two comp claims	$1322	$220
Failure to show documents	$1360	$231
Failure to wear a seat belt	$1360	$227
Child safety restraint	$1366	$232
Driving with expired registration	$1366	$228
Driving too slowly	$1379	$234
Failure to stop at a red light	$1379	$230
Speeding in school zone	$1379	$234
Cell phone violation	$1392	$232
Improper passing	$1399	$238
Texting while driving	$1399	$233
Wrong way/wrong lane	$1399	$238
Speeding 6 - 10 MPH over limit	$1405	$234
Failure to yield	$1412	$240
Speeding 11 - 15 MPH over limit	$1412	$235
Following too closely	$1418	$241
Illegal turn	$1418	$237
Speeding 16 - 20 MPH over limit	$1418	$241
Speeding 21 - 25 MPH over limit	$1431	$239
Passing school bus	$1444	$245
In 65 MPH zone	$1482	$247
At-fault accident - less than $1000	$1552	$264
Operating a vehicle without permission	$1565	$261
Open container	$1610	$274
At-fault accident - $1000-$2000	$1674	$279
At-fault accident - greater than $2000	$1674	$285
Driving with a suspended license	$1745	$291
Reckless driving	$1745	$297
Refusal to submit to a chemical test	$1912	$319
DUI	$1931	$328
Racing	$1950	$325
Leaving scene of an accident/hit and run	$1963	$334

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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 Raymond 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 Raymond.

The cheapest car insurance premiums in Raymond are offered by Mississippi Farm Bureau at $334 for a six-month policy. However, it can be as expensive as $3111 with companies like Farmers.

Raymond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$334	$57
Direct General Insurance	$340	$56
National General	$347	$59
State Farm	$796	$134
Travelers	$834	$140
Progressive	$853	$144
USAA	$1104	$186
Farm Bureau	$1386	$231
Shelter	$1643	$276
Allstate	$1745	$294
Nationwide	$1777	$299
Farmers	$3111	$518

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 Raymond are offered by Mississippi Farm Bureau at $192. However, it can be as expensive as $1867 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Raymond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$192	$32
Direct General Insurance	$269	$45
State Farm	$423	$71
Progressive	$744	$125
USAA	$808	$135
Farm Bureau	$917	$156
Travelers	$1135	$189
Shelter	$1347	$229
Allstate	$1373	$229
Farmers	$1630	$278
Nationwide	$1867	$311

Car Insurance Price Trends in Raymond, Mississippi

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

The average cost of full coverage in the Raymond remained steady at $220 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Raymond remained steady at $50 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 Raymond?

The car insurance in Raymond is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Raymond?

The cheapest car insurance in Raymond is $71 per month for full coverage.

How much is car insurance in Raymond for teenagers?

Car insurance for teenagers costs $212 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 Raymond?

The average cost of car insurance is $868 for a six-month policy. It will cost around $158 per month to insure your car in Raymond.

Is car insurance expensive in Raymond?

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

What is the best car insurance in Raymond, MS?

The best car insurance company in Raymond MS is Direct General Insurance, offering $417 for a six-month policy.