Cheapest Car Insurance Quotes in Woodland

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Woodland 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 Woodland

The car insurance rate in Woodland is $807 for a six-month policy, which is $61 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 Woodland 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 Woodland

$807

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Woodland

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 $669 for six months, making it the third cheapest auto insurance company in Woodland.

Woodland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodland, 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, Safeway is the most expensive, with rates reaching $1232 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodland drivers find the best deals.

Cheap Car Insurance Companies in Woodland, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$359	$61
Mississippi Farm Bureau	$398	$66
USAA	$669	$113
Travelers	$685	$115
State Farm	$707	$119
Farm Bureau	$735	$123
National Farmers Union Insurance	$740	$126
Nationwide	$884	$149
Progressive	$934	$157
Shelter	$962	$162
Allstate	$1071	$182
Farmers	$1122	$187
Safeway	$1232	$209

Key Takeaways

Way's key takeaways about car insurance in Woodland

The auto insurance costs in Woodland fall around $359 for six months.
The cheapest auto insurance company in Woodland is Direct General Insurance.
Teen drivers pay the highest rate in Woodland at $808 per month.

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Cheapest Minimum Liability Car Insurance in Woodland

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 Woodland are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Woodland. Their Average 6 Month Premium is $143. Farmers is the most expensive at $492 for the same period.

Cheapest Liability Coverage in Woodland, 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	$171	$29
USAA	$182	$31
Farm Bureau	$232	$39
Progressive	$237	$40
Safeway	$282	$48
Travelers	$287	$48
Shelter	$331	$56
Nationwide	$342	$58
Allstate	$409	$69
Farmers	$492	$82

Cheapest Full Coverage Car Insurance in Woodland

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

Cheapest Full Coverage Car Insurance Quotes in Woodland, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$359	$61
Mississippi Farm Bureau	$398	$66
USAA	$669	$113
Travelers	$685	$115
State Farm	$707	$119
Farm Bureau	$735	$123
National Farmers Union Insurance	$740	$126
Nationwide	$884	$149
Progressive	$934	$157
Shelter	$962	$162
Allstate	$1071	$182
Farmers	$1122	$187
Safeway	$1232	$209

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Average Car Insurance in Woodland 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 Woodland, MS increasing?

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

Car Insurance Premiums by Age in Woodland

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 Woodland,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 Woodland at $31 per month. At $4850 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	$182	$31
National General	$188	$32
Mississippi Farm Bureau	$205	$34
State Farm	$630	$106
USAA	$707	$119
Travelers	$862	$145
Farm Bureau	$1265	$215
Progressive	$1514	$255
Shelter	$2437	$414
Farmers	$3392	$565
Allstate	$3806	$647
Nationwide	$4850	$808

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 Woodland, 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 Woodland is Farmers, offering rates of around $3309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$182	$31
Mississippi Farm Bureau	$259	$44
Travelers	$845	$142
Progressive	$851	$143
USAA	$1028	$175
Nationwide	$1066	$179
Farm Bureau	$1259	$214
Allstate	$1718	$286
Shelter	$2193	$373
State Farm	$2668	$445
Farmers	$3309	$563

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Car Insurance Rates with An Accident in Woodland

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

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

The cheapest car insurance companies after an at-fault accident in Woodland 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 $2679.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$205	$34
Direct General Insurance	$293	$50
National General	$299	$49
State Farm	$315	$53
Safeway	$337	$56
USAA	$370	$62
Shelter	$541	$91
Travelers	$564	$95
Progressive	$618	$104
Farm Bureau	$945	$161
Nationwide	$1204	$203
Allstate	$1580	$269
Farmers	$2679	$446

Woodland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodland MS. For example, the car insurance in Woodland 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.

Woodland 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

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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 Woodland 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 Woodland.

The cheapest car insurance premiums in Woodland are offered by Mississippi Farm Bureau at $287 for a six-month policy. However, it can be as expensive as $2679 with companies like Farmers.

Woodland 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
State Farm	$685	$115
Travelers	$718	$121
Progressive	$735	$124
USAA	$950	$160
Farm Bureau	$1193	$199
Shelter	$1415	$238
Allstate	$1503	$253
Nationwide	$1530	$258
Farmers	$2679	$446

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 Woodland are offered by Mississippi Farm Bureau at $166. However, it can be as expensive as $1608 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Woodland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$166	$28
Direct General Insurance	$232	$39
State Farm	$365	$61
Progressive	$641	$108
USAA	$696	$116
Farm Bureau	$790	$134
Travelers	$977	$163
Shelter	$1160	$197
Allstate	$1182	$197
Farmers	$1403	$239
Nationwide	$1608	$268

Car Insurance Price Trends in Woodland, Mississippi

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

The average cost of full coverage in the Woodland remained steady at $190 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Woodland remained steady at $43 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Woodland?

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

What is the cheapest car insurance in Woodland?

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

How much is car insurance in Woodland 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 Woodland?

The average cost of car insurance is $868 for a six-month policy. It will cost around $136 per month to insure your car in Woodland.

Is car insurance expensive in Woodland?

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

What is the best car insurance in Woodland, MS?

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