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Finding the cheapest car insurance quotes in Wayside 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.
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 Wayside
The car insurance rate in Wayside is $885 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Wayside 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.
At $394 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 $437 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $733
for six months, making it
the third cheapest auto insurance company in Wayside.
Wayside Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wayside, MS is Direct General Insurance, offering policies at just $394 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $437.
At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1352 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wayside drivers find the best deals.
Way's key takeaways about car insurance in Wayside
The auto insurance costs in Wayside fall around $394 for six
months.
The cheapest auto insurance company in Wayside is Direct General Insurance.
Teen drivers pay the highest rate in Wayside at $886 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 Wayside
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 Wayside are given below.
Direct General Insurance provides
the cheapest minimum car insurance
coverage in Wayside. Their Average 6 Month Premium is $157.
Farmers is the most
expensive at $540 for the same
period.
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 Wayside is Direct General Insurance
at $67 per month and $394
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wayside,
MS
Get Your Car Insurance Quote in Wayside
Instantly!
Average Car Insurance in Wayside 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 Wayside, MS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wayside, 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, Wayside's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wayside
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Wayside,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 Wayside at $34
per
month. At $5319 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Wayside.
As young drivers face the highest rates in Wayside, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Wayside,
Direct General Insurance is
the cheapest car insurance provider. At $200 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
Wayside is Farmers, offering
rates of around $3629 for six
months.
Save up to $971/yr on car insurance rates in Wayside.
Car Insurance Rates with An Accident in Wayside
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 Wayside, MS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wayside
The cheapest car insurance companies after an at-fault accident in
Wayside include Mississippi Farm Bureau
and Direct General Insurance, offering $224
and $321,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2939.
Here is a list of driving violations that can increase your car
insurance rates in Wayside MS. For example, the car
insurance in Wayside
after a DUI increases to $746 for a six
month policy. While the rate increases by $249 for a six-month policy in the case of
a speeding ticket.
Wayside auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1078
$180
One Med/PIP claim
$1078
$184
Not-at-fault accident
$1127
$188
One comp claim
$1152
$196
Two Med/PIP claims
$1158
$193
Driving without lights
$1242
$211
Two comp claims
$1248
$208
Failure to show documents
$1284
$218
Failure to wear a seat belt
$1284
$214
Child safety restraint
$1290
$219
Driving with expired registration
$1290
$215
Driving too slowly
$1303
$221
Failure to stop at a red light
$1303
$217
Speeding in school zone
$1303
$221
Cell phone violation
$1315
$219
Improper passing
$1321
$224
Texting while driving
$1321
$220
Wrong way/wrong lane
$1321
$224
Speeding 6 - 10 MPH over limit
$1327
$221
Failure to yield
$1333
$226
Speeding 11 - 15 MPH over limit
$1333
$222
Following too closely
$1339
$227
Illegal turn
$1339
$223
Speeding 16 - 20 MPH over limit
$1339
$227
Speeding 21 - 25 MPH over limit
$1352
$225
Passing school bus
$1364
$232
In 65 MPH zone
$1399
$234
At-fault accident - less than $1000
$1466
$249
Operating a vehicle without permission
$1478
$247
Open container
$1521
$259
At-fault accident - $1000-$2000
$1581
$263
At-fault accident - greater than $2000
$1581
$269
Driving with a suspended license
$1648
$274
Reckless driving
$1648
$281
Refusal to submit to a chemical test
$1805
$301
DUI
$1824
$310
Racing
$1842
$307
Leaving scene of an accident/hit and run
$1854
$315
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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 Wayside 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 Wayside.
The cheapest car insurance premiums in
Wayside are
offered by Mississippi Farm Bureau at $315 for a six-month policy.
However, it can be as
expensive as $2939 with companies
like Farmers.
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 Wayside are offered by Mississippi Farm Bureau
at $182. However,
it can be as expensive as $1764
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Wayside after Speeding ticket
Car Insurance Price Trends in Wayside,
Mississippi
Car insurance rates in Wayside have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wayside remained steady at $208 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Wayside remained steady at $47 in both November and October, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wayside. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Wayside?
The car insurance in Wayside is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Wayside?
The cheapest car insurance in Wayside
is $67 per month
for full coverage.
How much is car insurance in Wayside for teenagers?
Car insurance for teenagers costs $200 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
Wayside?
The average cost of car insurance is $868 for a six-month
policy. It will cost around $149 per month to insure your
car in Wayside.
Is car insurance expensive in Wayside?
Car insurance can be expensive in Wayside if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wayside can be
affordable.
What is the best car insurance in Wayside,
MS?
The best car insurance company in Wayside
MS is
Direct General Insurance, offering $394 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wayside, MS
Car Insurance Rates by State in the USA (2025 Update)
Wayside Car Insurance
