Cheapest Car Insurance Quotes in Summit

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406,175 Policies Sold

Summit 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 Summit

The car insurance rate in Summit is $1019 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Summit 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 Summit

$1019

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Summit

1st place: Direct General Insurance

At $401 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 $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $773 for six months, making it the third cheapest auto insurance company in Summit.

Summit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Summit, MS is Direct General Insurance, offering policies at just $401 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $445.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1773 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Summit drivers find the best deals.

Cheap Car Insurance Companies in Summit, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$401	$69
Mississippi Farm Bureau	$445	$74
USAA	$773	$130
Travelers	$803	$135
National Farmers Union Insurance	$828	$140
State Farm	$859	$145
Nationwide	$1069	$180
Shelter	$1093	$184
Farm Bureau	$1143	$194
Progressive	$1168	$197
Safeway	$1378	$234
Allstate	$1519	$254
Farmers	$1773	$302

Key Takeaways

Way's key takeaways about car insurance in Summit

The auto insurance costs in Summit fall around $401 for six months.
The cheapest auto insurance company in Summit is Direct General Insurance.
Teen drivers pay the highest rate in Summit at $905 per month.

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Cheapest Minimum Liability Car Insurance in Summit

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 Summit are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Summit. Their Average 6 Month Premium is $160. Farmers is the most expensive at $605 for the same period.

Cheapest Liability Coverage in Summit, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$160	$27
Mississippi Farm Bureau	$166	$28
National Farmers Union Insurance	$166	$28
State Farm	$204	$34
USAA	$210	$35
Progressive	$278	$47
Farm Bureau	$315	$52
Safeway	$315	$54
Travelers	$321	$54
Shelter	$364	$61
Nationwide	$401	$68
Allstate	$513	$86
Farmers	$605	$101

Cheapest Full Coverage Car Insurance in Summit

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 Summit is Direct General Insurance at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Summit, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$401	$69
Mississippi Farm Bureau	$445	$74
USAA	$773	$130
Travelers	$803	$135
National Farmers Union Insurance	$828	$140
State Farm	$859	$145
Nationwide	$1069	$180
Shelter	$1093	$184
Farm Bureau	$1143	$194
Progressive	$1168	$197
Safeway	$1378	$234
Allstate	$1519	$254
Farmers	$1773	$302

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Average Car Insurance in Summit 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 Summit, MS increasing?

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

Car Insurance Premiums by Age in Summit

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 Summit,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 Summit at $34 per month. At $5430 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	$204	$34
National General	$210	$35
Mississippi Farm Bureau	$229	$38
USAA	$889	$150
State Farm	$982	$165
Travelers	$1044	$176
Farm Bureau	$1971	$335
Progressive	$2002	$337
Shelter	$2811	$478
Nationwide	$5350	$891
Allstate	$5417	$921
Farmers	$5430	$905

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 Summit, Direct General Insurance is the cheapest car insurance provider. At $204 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 Summit is Farmers, offering rates of around $5232 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$204	$34
Mississippi Farm Bureau	$290	$49
Travelers	$1044	$176
Progressive	$1118	$188
USAA	$1285	$218
Nationwide	$1693	$285
Farm Bureau	$2267	$386
Allstate	$2490	$415
Shelter	$2551	$434
State Farm	$4516	$753
Farmers	$5232	$889

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Car Insurance Rates with An Accident in Summit

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

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

The cheapest car insurance companies after an at-fault accident in Summit include Mississippi Farm Bureau and Direct General Insurance, offering $229 and $328, respectively. Farmers is an expensive provider with an average six-month premium of $4263.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$229	$38
Direct General Insurance	$328	$56
National General	$334	$55
Safeway	$376	$64
State Farm	$395	$67
USAA	$439	$74
Shelter	$618	$104
Travelers	$685	$115
Progressive	$853	$144
Farm Bureau	$1483	$252
Nationwide	$1705	$287
Allstate	$2248	$383
Farmers	$4263	$710

Summit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Summit MS. For example, the car insurance in Summit after a DUI increases to $761 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Summit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1099	$183
One Med/PIP claim	$1099	$187
Not-at-fault accident	$1149	$191
One comp claim	$1174	$200
Two Med/PIP claims	$1180	$197
Driving without lights	$1267	$215
Two comp claims	$1273	$212
Failure to show documents	$1309	$223
Failure to wear a seat belt	$1309	$218
Child safety restraint	$1316	$224
Driving with expired registration	$1316	$219
Driving too slowly	$1328	$226
Failure to stop at a red light	$1328	$222
Speeding in school zone	$1328	$226
Cell phone violation	$1341	$224
Improper passing	$1347	$229
Texting while driving	$1347	$225
Wrong way/wrong lane	$1347	$229
Speeding 6 - 10 MPH over limit	$1353	$226
Failure to yield	$1359	$231
Speeding 11 - 15 MPH over limit	$1359	$227
Following too closely	$1366	$232
Illegal turn	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding 21 - 25 MPH over limit	$1378	$230
Passing school bus	$1390	$236
In 65 MPH zone	$1427	$238
At-fault accident - less than $1000	$1494	$254
Operating a vehicle without permission	$1507	$252
Open container	$1551	$264
At-fault accident - $1000-$2000	$1612	$268
At-fault accident - greater than $2000	$1612	$275
Driving with a suspended license	$1681	$280
Reckless driving	$1681	$286
Refusal to submit to a chemical test	$1841	$307
DUI	$1860	$316
Racing	$1878	$313
Leaving scene of an accident/hit and run	$1891	$321

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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 Summit 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 Summit.

The cheapest car insurance premiums in Summit are offered by Mississippi Farm Bureau at $321 for a six-month policy. However, it can be as expensive as $4263 with companies like Farmers.

Summit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$321	$55
Direct General Insurance	$328	$54
National General	$334	$57
Travelers	$847	$142
Progressive	$902	$152
State Farm	$939	$158
USAA	$1112	$187
Shelter	$1600	$269
Farm Bureau	$1884	$320
Allstate	$1915	$322
Nationwide	$2261	$381
Farmers	$4263	$710

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 Summit are offered by Mississippi Farm Bureau at $185. However, it can be as expensive as $2496 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Summit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$185	$31
Direct General Insurance	$259	$44
State Farm	$568	$96
USAA	$877	$149
Progressive	$902	$152
Farm Bureau	$1229	$209
Travelers	$1248	$208
Shelter	$1334	$227
Allstate	$1681	$280
Farmers	$2224	$379
Nationwide	$2496	$416

Car Insurance Price Trends in Summit, Mississippi

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

The average cost of full coverage in the Summit rose by $246 in January compared to $212 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Summit 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 Summit?

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

What is the cheapest car insurance in Summit?

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

How much is car insurance in Summit for teenagers?

Car insurance for teenagers costs $204 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 Summit?

The average cost of car insurance is $980 for a six-month policy. It will cost around $172 per month to insure your car in Summit.

Is car insurance expensive in Summit?

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

What is the best car insurance in Summit, MS?

The best car insurance company in Summit MS is Direct General Insurance, offering $401 for a six-month policy.