Cheapest Car Insurance Quotes in Sturgis

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399,755 Policies Sold

Sturgis Car Insurance

^$ 23

/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 Sturgis

The car insurance rate in Sturgis is $755 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $336, making it a popular choice for budget-conscious drivers. Rates in Sturgis 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 Sturgis

$755

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Sturgis

1st place: Direct General Insurance

At $336 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 $372 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $626 for six months, making it the third cheapest auto insurance company in Sturgis.

Sturgis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sturgis, MS is Direct General Insurance, offering policies at just $336 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $372.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1153 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sturgis drivers find the best deals.

Cheap Car Insurance Companies in Sturgis, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$336	$57
Mississippi Farm Bureau	$372	$62
USAA	$626	$105
Travelers	$641	$108
State Farm	$661	$111
Farm Bureau	$687	$115
National Farmers Union Insurance	$693	$117
Nationwide	$827	$139
Progressive	$873	$147
Shelter	$900	$151
Allstate	$1002	$171
Farmers	$1049	$175
Safeway	$1153	$196

Key Takeaways

Way's key takeaways about car insurance in Sturgis

The auto insurance costs in Sturgis fall around $336 for six months.
The cheapest auto insurance company in Sturgis is Direct General Insurance.
Teen drivers pay the highest rate in Sturgis at $756 per month.

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Cheapest Minimum Liability Car Insurance in Sturgis

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 Sturgis are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Sturgis. Their Average 6 Month Premium is $134. Farmers is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Sturgis, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$134	$23
Mississippi Farm Bureau	$139	$23
National Farmers Union Insurance	$139	$23
State Farm	$160	$27
USAA	$171	$29
Farm Bureau	$217	$37
Progressive	$222	$37
Safeway	$264	$45
Travelers	$269	$45
Shelter	$310	$52
Nationwide	$320	$54
Allstate	$383	$64
Farmers	$460	$77

Cheapest Full Coverage Car Insurance in Sturgis

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 Sturgis is Direct General Insurance at $57 per month and $336 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sturgis, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$336	$57
Mississippi Farm Bureau	$372	$62
USAA	$626	$105
Travelers	$641	$108
State Farm	$661	$111
Farm Bureau	$687	$115
National Farmers Union Insurance	$693	$117
Nationwide	$827	$139
Progressive	$873	$147
Shelter	$900	$151
Allstate	$1002	$171
Farmers	$1049	$175
Safeway	$1153	$196

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Average Car Insurance in Sturgis 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 Sturgis, MS increasing?

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

Car Insurance Premiums by Age in Sturgis

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 Sturgis,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 Sturgis at $29 per month. At $4537 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	$171	$29
National General	$176	$30
Mississippi Farm Bureau	$191	$32
State Farm	$589	$99
USAA	$661	$111
Travelers	$806	$136
Farm Bureau	$1183	$201
Progressive	$1416	$238
Shelter	$2279	$387
Farmers	$3173	$529
Allstate	$3561	$606
Nationwide	$4537	$756

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 Sturgis, Direct General Insurance is the cheapest car insurance provider. At $171 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 Sturgis is Farmers, offering rates of around $3095 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$171	$29
Mississippi Farm Bureau	$243	$41
Travelers	$791	$133
Progressive	$796	$134
USAA	$961	$164
Nationwide	$997	$168
Farm Bureau	$1178	$200
Allstate	$1607	$268
Shelter	$2051	$349
State Farm	$2496	$416
Farmers	$3095	$526

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Car Insurance Rates with An Accident in Sturgis

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

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

The cheapest car insurance companies after an at-fault accident in Sturgis include Mississippi Farm Bureau and Direct General Insurance, offering $191 and $274, respectively. Farmers is an expensive provider with an average six-month premium of $2506.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$191	$32
Direct General Insurance	$274	$47
National General	$279	$46
State Farm	$295	$50
Safeway	$315	$52
USAA	$346	$58
Shelter	$506	$85
Travelers	$527	$89
Progressive	$579	$97
Farm Bureau	$884	$151
Nationwide	$1127	$190
Allstate	$1478	$251
Farmers	$2506	$418

Sturgis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sturgis MS. For example, the car insurance in Sturgis after a DUI increases to $636 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Sturgis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$920	$153
One Med/PIP claim	$920	$157
Not-at-fault accident	$961	$160
One comp claim	$982	$167
Two Med/PIP claims	$987	$164
Driving without lights	$1060	$180
Two comp claims	$1065	$177
Failure to show documents	$1095	$186
Failure to wear a seat belt	$1095	$183
Child safety restraint	$1101	$187
Driving with expired registration	$1101	$184
Driving too slowly	$1111	$189
Failure to stop at a red light	$1111	$185
Speeding in school zone	$1111	$189
Cell phone violation	$1121	$187
Improper passing	$1127	$191
Texting while driving	$1127	$188
Wrong way/wrong lane	$1127	$191
Speeding 6 - 10 MPH over limit	$1132	$189
Failure to yield	$1137	$193
Speeding 11 - 15 MPH over limit	$1137	$190
Following too closely	$1142	$194
Illegal turn	$1142	$191
Speeding 16 - 20 MPH over limit	$1142	$194
Speeding 21 - 25 MPH over limit	$1153	$192
Passing school bus	$1163	$197
In 65 MPH zone	$1194	$199
At-fault accident - less than $1000	$1250	$212
Operating a vehicle without permission	$1261	$211
Open container	$1297	$221
At-fault accident - $1000-$2000	$1349	$224
At-fault accident - greater than $2000	$1349	$230
Driving with a suspended license	$1406	$234
Reckless driving	$1406	$239
Refusal to submit to a chemical test	$1540	$257
DUI	$1556	$264
Racing	$1571	$262
Leaving scene of an accident/hit and run	$1582	$269

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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 Sturgis 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 Sturgis.

The cheapest car insurance premiums in Sturgis are offered by Mississippi Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $2506 with companies like Farmers.

Sturgis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$269	$46
Direct General Insurance	$274	$45
National General	$279	$48
State Farm	$641	$108
Travelers	$672	$113
Progressive	$687	$116
USAA	$889	$150
Farm Bureau	$1116	$186
Shelter	$1323	$223
Allstate	$1406	$237
Nationwide	$1431	$241
Farmers	$2506	$418

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 Sturgis are offered by Mississippi Farm Bureau at $155. However, it can be as expensive as $1504 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Sturgis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$155	$26
Direct General Insurance	$217	$37
State Farm	$341	$57
Progressive	$599	$101
USAA	$651	$109
Farm Bureau	$739	$125
Travelers	$914	$152
Shelter	$1085	$184
Allstate	$1106	$184
Farmers	$1313	$224
Nationwide	$1504	$251

Car Insurance Price Trends in Sturgis, Mississippi

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

The average cost of full coverage in the Sturgis remained steady at $177 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Sturgis remained steady at $40 in both November and October, indicating no change over the two month period.

Our Insurance Agent Experts

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Principal

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Frequently Asked Questions

How much is car insurance in Sturgis?

The car insurance in Sturgis is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Sturgis?

The cheapest car insurance in Sturgis is $57 per month for full coverage.

How much is car insurance in Sturgis for teenagers?

Car insurance for teenagers costs $171 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 Sturgis?

The average cost of car insurance is $868 for a six-month policy. It will cost around $127 per month to insure your car in Sturgis.

Is car insurance expensive in Sturgis?

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

What is the best car insurance in Sturgis, MS?

The best car insurance company in Sturgis MS is Direct General Insurance, offering $336 for a six-month policy.