Cheapest Car Insurance Quotes in Vardaman

Finding the cheapest car insurance quotes in Vardaman shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Vardaman 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 Vardaman

The car insurance rate in Vardaman is $911 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 $359, making it a popular choice for budget-conscious drivers. Rates in Vardaman 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 Vardaman

$911

Avg. Car Insurance in Mississippi

$980

National Average

$1278

Cheapest Car Insurance Companies in Vardaman

1st place: Direct General Insurance

At $359 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 $398 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $691 for six months, making it the third cheapest auto insurance company in Vardaman.

Vardaman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vardaman, MS is Direct General Insurance, offering policies at just $359 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $398.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1586 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vardaman drivers find the best deals.

Cheap Car Insurance Companies in Vardaman, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$359	$61
Mississippi Farm Bureau	$398	$66
USAA	$691	$116
Travelers	$718	$121
National Farmers Union Insurance	$740	$126
State Farm	$768	$129
Nationwide	$956	$161
Shelter	$977	$165
Farm Bureau	$1022	$174
Progressive	$1044	$176
Safeway	$1232	$209
Allstate	$1359	$227
Farmers	$1586	$270

Key Takeaways

Way's key takeaways about car insurance in Vardaman

The auto insurance costs in Vardaman fall around $359 for six months.
The cheapest auto insurance company in Vardaman is Direct General Insurance.
Teen drivers pay the highest rate in Vardaman at $809 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Vardaman

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 Vardaman are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Vardaman. Their Average 6 Month Premium is $143. Farmers is the most expensive at $541 for the same period.

Cheapest Liability Coverage in Vardaman, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$143	$24
Mississippi Farm Bureau	$149	$25
National Farmers Union Insurance	$149	$25
State Farm	$182	$31
USAA	$188	$32
Progressive	$248	$42
Farm Bureau	$282	$47
Safeway	$282	$48
Travelers	$287	$48
Shelter	$326	$55
Nationwide	$359	$60
Allstate	$458	$77
Farmers	$541	$90

Cheapest Full Coverage Car Insurance in Vardaman

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 Vardaman is Direct General Insurance at $61 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vardaman, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$359	$61
Mississippi Farm Bureau	$398	$66
USAA	$691	$116
Travelers	$718	$121
National Farmers Union Insurance	$740	$126
State Farm	$768	$129
Nationwide	$956	$161
Shelter	$977	$165
Farm Bureau	$1022	$174
Progressive	$1044	$176
Safeway	$1232	$209
Allstate	$1359	$227
Farmers	$1586	$270

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Vardaman Instantly!

Average Car Insurance in Vardaman 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 Vardaman, MS increasing?

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

Car Insurance Premiums by Age in Vardaman

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Vardaman,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 Vardaman at $31 per month. At $4856 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	$182	$31
National General	$188	$32
Mississippi Farm Bureau	$205	$34
USAA	$795	$134
State Farm	$878	$148
Travelers	$934	$157
Farm Bureau	$1762	$299
Progressive	$1790	$301
Shelter	$2514	$428
Nationwide	$4784	$797
Allstate	$4844	$824
Farmers	$4856	$809

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 Vardaman, Direct General Insurance is the cheapest car insurance provider. At $182 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 Vardaman is Farmers, offering rates of around $4679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$182	$31
Mississippi Farm Bureau	$259	$44
Travelers	$934	$157
Progressive	$1000	$168
USAA	$1149	$195
Nationwide	$1514	$255
Farm Bureau	$2027	$345
Allstate	$2226	$371
Shelter	$2281	$388
State Farm	$4038	$673
Farmers	$4679	$795

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Vardaman.

Car Insurance Rates with An Accident in Vardaman

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

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

The cheapest car insurance companies after an at-fault accident in Vardaman include Mississippi Farm Bureau and Direct General Insurance, offering $205 and $293, respectively. Farmers is an expensive provider with an average six-month premium of $3812.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$205	$34
Direct General Insurance	$293	$50
National General	$299	$49
Safeway	$337	$58
State Farm	$353	$60
USAA	$392	$66
Shelter	$552	$93
Travelers	$613	$103
Progressive	$763	$128
Farm Bureau	$1326	$225
Nationwide	$1524	$257
Allstate	$2011	$342
Farmers	$3812	$635

Vardaman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vardaman MS. For example, the car insurance in Vardaman after a DUI increases to $680 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Vardaman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$983	$164
One Med/PIP claim	$983	$167
Not-at-fault accident	$1028	$171
One comp claim	$1050	$179
Two Med/PIP claims	$1056	$176
Driving without lights	$1133	$193
Two comp claims	$1138	$190
Failure to show documents	$1171	$199
Failure to wear a seat belt	$1171	$195
Child safety restraint	$1176	$200
Driving with expired registration	$1176	$196
Driving too slowly	$1188	$202
Failure to stop at a red light	$1188	$198
Speeding in school zone	$1188	$202
Cell phone violation	$1199	$200
Improper passing	$1204	$205
Texting while driving	$1204	$201
Wrong way/wrong lane	$1204	$205
Speeding 6 - 10 MPH over limit	$1210	$202
Failure to yield	$1216	$206
Speeding 11 - 15 MPH over limit	$1216	$203
Following too closely	$1221	$207
Illegal turn	$1221	$204
Speeding 16 - 20 MPH over limit	$1221	$207
Speeding 21 - 25 MPH over limit	$1232	$206
Passing school bus	$1243	$211
In 65 MPH zone	$1276	$213
At-fault accident - less than $1000	$1336	$227
Operating a vehicle without permission	$1348	$225
Open container	$1387	$236
At-fault accident - $1000-$2000	$1442	$240
At-fault accident - greater than $2000	$1442	$246
Driving with a suspended license	$1503	$250
Reckless driving	$1503	$256
Refusal to submit to a chemical test	$1646	$274
DUI	$1663	$283
Racing	$1680	$280
Leaving scene of an accident/hit and run	$1691	$287

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Vardaman 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 Vardaman.

The cheapest car insurance premiums in Vardaman are offered by Mississippi Farm Bureau at $287 for a six-month policy. However, it can be as expensive as $3812 with companies like Farmers.

Vardaman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$287	$49
Direct General Insurance	$293	$48
National General	$299	$51
Travelers	$757	$127
Progressive	$806	$136
State Farm	$840	$141
USAA	$994	$167
Shelter	$1430	$241
Farm Bureau	$1685	$286
Allstate	$1712	$288
Nationwide	$2022	$340
Farmers	$3812	$635

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 Vardaman are offered by Mississippi Farm Bureau at $166. However, it can be as expensive as $2232 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Vardaman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$166	$28
Direct General Insurance	$232	$39
State Farm	$508	$86
USAA	$784	$133
Progressive	$806	$136
Farm Bureau	$1099	$187
Travelers	$1116	$186
Shelter	$1193	$203
Allstate	$1503	$250
Farmers	$1988	$339
Nationwide	$2232	$372

Car Insurance Price Trends in Vardaman, Mississippi

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

The average cost of full coverage in the Vardaman rose by $220 in January compared to $190 of December. In other words, there has been an increase by $30 when you compare January and December.

The average cost of liability insurance in the Vardaman rose to $45 in January, compared to $43 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Vardaman?

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

What is the cheapest car insurance in Vardaman?

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

How much is car insurance in Vardaman for teenagers?

Car insurance for teenagers costs $182 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 Vardaman?

The average cost of car insurance is $980 for a six-month policy. It will cost around $153 per month to insure your car in Vardaman.

Is car insurance expensive in Vardaman?

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

What is the best car insurance in Vardaman, MS?

The best car insurance company in Vardaman MS is Direct General Insurance, offering $359 for a six-month policy.