Cheapest Car Insurance Quotes in Thaxton

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Thaxton Car Insurance

^$ 24

/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 Thaxton

The car insurance rate in Thaxton is $799 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $355, making it a popular choice for budget-conscious drivers. Rates in Thaxton 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 Thaxton

$799

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Thaxton

1st place: Direct General Insurance

At $355 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 $394 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $661 for six months, making it the third cheapest auto insurance company in Thaxton.

Thaxton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Thaxton, MS is Direct General Insurance, offering policies at just $355 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $394.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1219 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thaxton drivers find the best deals.

Cheap Car Insurance Companies in Thaxton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$355	$61
Mississippi Farm Bureau	$394	$65
USAA	$661	$111
Travelers	$678	$114
State Farm	$699	$118
Farm Bureau	$727	$121
National Farmers Union Insurance	$732	$124
Nationwide	$874	$147
Progressive	$924	$155
Shelter	$951	$160
Allstate	$1060	$180
Farmers	$1110	$185
Safeway	$1219	$207

Key Takeaways

Way's key takeaways about car insurance in Thaxton

The auto insurance costs in Thaxton fall around $355 for six months.
The cheapest auto insurance company in Thaxton is Direct General Insurance.
Teen drivers pay the highest rate in Thaxton at $799 per month.

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Cheapest Minimum Liability Car Insurance in Thaxton

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 Thaxton are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Thaxton. Their Average 6 Month Premium is $142. Farmers is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Thaxton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$142	$24
Mississippi Farm Bureau	$147	$25
National Farmers Union Insurance	$147	$25
State Farm	$169	$29
USAA	$180	$30
Farm Bureau	$229	$39
Progressive	$235	$40
Safeway	$279	$48
Travelers	$284	$48
Shelter	$328	$55
Nationwide	$339	$57
Allstate	$405	$68
Farmers	$487	$81

Cheapest Full Coverage Car Insurance in Thaxton

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 Thaxton is Direct General Insurance at $61 per month and $355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Thaxton, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$355	$61
Mississippi Farm Bureau	$394	$65
USAA	$661	$111
Travelers	$678	$114
State Farm	$699	$118
Farm Bureau	$727	$121
National Farmers Union Insurance	$732	$124
Nationwide	$874	$147
Progressive	$924	$155
Shelter	$951	$160
Allstate	$1060	$180
Farmers	$1110	$185
Safeway	$1219	$207

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Average Car Insurance in Thaxton 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 Thaxton, MS increasing?

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

Car Insurance Premiums by Age in Thaxton

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 Thaxton,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 Thaxton at $30 per month. At $4798 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	$180	$30
National General	$186	$31
Mississippi Farm Bureau	$202	$34
State Farm	$623	$105
USAA	$699	$118
Travelers	$853	$144
Farm Bureau	$1251	$213
Progressive	$1498	$252
Shelter	$2410	$409
Farmers	$3355	$559
Allstate	$3766	$640
Nationwide	$4798	$799

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 Thaxton, Direct General Insurance is the cheapest car insurance provider. At $180 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 Thaxton is Farmers, offering rates of around $3273 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$180	$30
Mississippi Farm Bureau	$257	$43
Travelers	$836	$141
Progressive	$842	$142
USAA	$1017	$173
Nationwide	$1054	$178
Farm Bureau	$1246	$212
Allstate	$1699	$283
Shelter	$2169	$369
State Farm	$2639	$440
Farmers	$3273	$557

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Car Insurance Rates with An Accident in Thaxton

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

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

The cheapest car insurance companies after an at-fault accident in Thaxton include Mississippi Farm Bureau and Direct General Insurance, offering $202 and $290, respectively. Farmers is an expensive provider with an average six-month premium of $2651.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$202	$34
Direct General Insurance	$290	$50
National General	$295	$49
State Farm	$312	$52
Safeway	$333	$55
USAA	$366	$62
Shelter	$535	$90
Travelers	$558	$94
Progressive	$612	$103
Farm Bureau	$935	$159
Nationwide	$1191	$201
Allstate	$1563	$266
Farmers	$2651	$442

Thaxton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Thaxton MS. For example, the car insurance in Thaxton after a DUI increases to $673 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Thaxton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$972	$166
Not-at-fault accident	$1017	$169
One comp claim	$1039	$177
Two Med/PIP claims	$1044	$174
Driving without lights	$1121	$190
Two comp claims	$1126	$188
Failure to show documents	$1158	$197
Failure to wear a seat belt	$1158	$193
Child safety restraint	$1164	$198
Driving with expired registration	$1164	$194
Driving too slowly	$1175	$200
Failure to stop at a red light	$1175	$196
Speeding in school zone	$1175	$200
Cell phone violation	$1186	$198
Improper passing	$1191	$202
Texting while driving	$1191	$199
Wrong way/wrong lane	$1191	$202
Speeding 6 - 10 MPH over limit	$1197	$200
Failure to yield	$1202	$204
Speeding 11 - 15 MPH over limit	$1202	$201
Following too closely	$1208	$205
Illegal turn	$1208	$201
Speeding 16 - 20 MPH over limit	$1208	$205
Speeding 21 - 25 MPH over limit	$1219	$203
Passing school bus	$1230	$209
In 65 MPH zone	$1262	$211
At-fault accident - less than $1000	$1322	$224
Operating a vehicle without permission	$1333	$223
Open container	$1372	$234
At-fault accident - $1000-$2000	$1426	$237
At-fault accident - greater than $2000	$1426	$243
Driving with a suspended license	$1487	$247
Reckless driving	$1487	$253
Refusal to submit to a chemical test	$1628	$271
DUI	$1645	$280
Racing	$1662	$277
Leaving scene of an accident/hit and run	$1673	$284

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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 Thaxton 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 Thaxton.

The cheapest car insurance premiums in Thaxton are offered by Mississippi Farm Bureau at $284 for a six-month policy. However, it can be as expensive as $2651 with companies like Farmers.

Thaxton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$284	$49
Direct General Insurance	$290	$48
National General	$295	$51
State Farm	$678	$114
Travelers	$710	$120
Progressive	$727	$122
USAA	$940	$158
Farm Bureau	$1180	$197
Shelter	$1399	$236
Allstate	$1487	$250
Nationwide	$1513	$255
Farmers	$2651	$442

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 Thaxton are offered by Mississippi Farm Bureau at $164. However, it can be as expensive as $1591 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Thaxton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$164	$28
Direct General Insurance	$229	$39
State Farm	$361	$61
Progressive	$634	$107
USAA	$688	$115
Farm Bureau	$781	$132
Travelers	$967	$161
Shelter	$1147	$195
Allstate	$1169	$195
Farmers	$1388	$236
Nationwide	$1591	$265

Car Insurance Price Trends in Thaxton, Mississippi

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

The average cost of full coverage in the Thaxton remained steady at $188 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Thaxton remained steady at $42 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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Anthony Luu

Senior Director of Insurance Operations

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Ezra Peterson

Senior Director of Insurance

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Danny Herrera

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Frequently Asked Questions

How much is car insurance in Thaxton?

The car insurance in Thaxton is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Thaxton?

The cheapest car insurance in Thaxton is $61 per month for full coverage.

How much is car insurance in Thaxton for teenagers?

Car insurance for teenagers costs $180 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 Thaxton?

The average cost of car insurance is $868 for a six-month policy. It will cost around $134 per month to insure your car in Thaxton.

Is car insurance expensive in Thaxton?

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

What is the best car insurance in Thaxton, MS?

The best car insurance company in Thaxton MS is Direct General Insurance, offering $355 for a six-month policy.