Best Bay St. Louis, MS Car Insurance in 2024
Car insurance in Bay St. Louis, MS averages $322 a month. Bay St. Louis, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bay St. Louis car insurance rates, compare quotes from the top car insurance companies in Bay St. Louis, MS.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Bay St. Louis, MS after a DUI are $4,638/year
- The cheapest car insurance company in Bay St. Louis for teen drivers is USAA
- The cheapest car insurance company in Bay St. Louis is USAA
If you need to buy Bay St. Louis, Mississippi car insurance, the options can be confusing. Everything you need to know about car insurance in Bay St. Louis, MS is right here.
You’ll find Bay St. Louis car insurance rates, the cheapest Bay St. Louis, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Bay St. Louis, Mississippi car insurance rates to Greenville car insurance rates, Hattiesburg car insurance rates, and Olive Branch car insurance rates.
Ready to find affordable Bay St. Louis, MS car insurance today? Enter your ZIP code for fast, free Bay St. Louis car insurance quotes.
Cheapest Bay St. Louis, MS Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bay St. Louis, MS car insurance rates? Every Bay St. Louis, Mississippi car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,714 | $2,589 | $2,424 | $2,482 | $10,991 | $11,729 | $3,077 | $3,150 |
| Geico | $3,084 | $2,917 | $2,786 | $2,589 | $7,728 | $7,226 | $5,174 | $2,489 |
| Liberty Mutual | $2,778 | $3,009 | $2,223 | $2,500 | $10,300 | $11,470 | $2,949 | $3,101 |
| Nationwide | $2,128 | $2,176 | $1,913 | $2,018 | $4,385 | $5,554 | $2,430 | $2,624 |
| Progressive | $2,972 | $2,776 | $2,425 | $2,353 | $10,515 | $11,780 | $3,050 | $3,160 |
| State Farm | $1,936 | $1,936 | $1,747 | $1,747 | $5,772 | $7,273 | $2,161 | $2,453 |
| Travelers | $1,749 | $1,778 | $1,677 | $1,676 | $8,179 | $13,066 | $1,838 | $2,103 |
| USAA | $1,393 | $1,377 | $1,304 | $1,315 | $3,514 | $4,161 | $1,694 | $1,863 |
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Minimum Car Insurance in Bay St. Louis, MS
Every driver must carry the minimum car insurance in Bay St. Louis, MS. Take a look at the Mississippi car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Bay St. Louis, MS Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bay St. Louis, MS. Compare credit history car insurance rates in Bay St. Louis from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,673 | $5,017 | $3,994 |
| Geico | $6,407 | $3,630 | $2,711 |
| Liberty Mutual | $6,866 | $4,206 | $3,302 |
| Nationwide | $3,398 | $2,774 | $2,538 |
| Progressive | $5,547 | $4,714 | $4,375 |
| State Farm | $4,509 | $2,735 | $2,141 |
| Travelers | $4,540 | $3,711 | $3,773 |
| USAA | $2,834 | $1,851 | $1,547 |
Cheapest Bay St. Louis, MS Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bay St. Louis, MS to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,131 | $4,878 | $5,886 | $4,684 |
| Geico | $2,646 | $4,011 | $6,099 | $4,241 |
| Liberty Mutual | $3,386 | $5,446 | $5,566 | $4,767 |
| Nationwide | $2,325 | $2,960 | $3,759 | $2,571 |
| Progressive | $4,182 | $5,588 | $4,830 | $4,916 |
| State Farm | $2,828 | $3,495 | $3,095 | $3,095 |
| Travelers | $3,498 | $3,661 | $5,057 | $3,818 |
| USAA | $1,619 | $2,074 | $2,816 | $1,801 |
Cheapest Bay St. Louis, MS Car Insurance for Teen Drivers
Teen car insurance in Bay St. Louis, MS can be expensive. Take a look at rates from the top car insurance companies in Bay St. Louis for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,991 | $11,729 |
| Geico | $7,728 | $7,226 |
| Liberty Mutual | $10,300 | $11,470 |
| Nationwide | $4,385 | $5,554 |
| Progressive | $10,515 | $11,780 |
| State Farm | $5,772 | $7,273 |
| Travelers | $8,179 | $13,066 |
| USAA | $3,514 | $4,161 |
Cheapest Bay St. Louis, MS Car Insurance for Seniors
Take a look at Bay St. Louis, MS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,424 | $2,482 |
| Geico | $2,786 | $2,589 |
| Liberty Mutual | $2,223 | $2,500 |
| Nationwide | $1,913 | $2,018 |
| Progressive | $2,425 | $2,353 |
| State Farm | $1,747 | $1,747 |
| Travelers | $1,677 | $1,676 |
| USAA | $1,304 | $1,315 |
Cheapest Bay St. Louis, MS Car Insurance Rates After a DUI
A DUI in Bay St. Louis, MS increases car insurance rates. Compare Bay St. Louis, Mississippi DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,886 |
| Geico | $6,099 |
| Liberty Mutual | $5,566 |
| Nationwide | $3,759 |
| Progressive | $4,830 |
| State Farm | $3,095 |
| Travelers | $5,057 |
| USAA | $2,816 |
Read more: What are the DUI insurance laws in Mississippi?
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Cheapest Bay St. Louis, MS Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bay St. Louis, MS by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,894 | $4,894 |
| Geico | $4,236 | $4,263 |
| Liberty Mutual | $4,791 | $4,791 |
| Nationwide | $2,903 | $2,903 |
| Progressive | $4,879 | $4,879 |
| State Farm | $3,050 | $3,207 |
| Travelers | $4,008 | $4,008 |
| USAA | $2,014 | $2,141 |
The Best Cheap Car Insurance Companies in Bay St. Louis, MS
Take a look at a side-by-side comparison of the top car insurance companies in Bay St. Louis, MS to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,894 |
| Geico | $4,249 |
| Liberty Mutual | $4,791 |
| Nationwide | $2,903 |
| Progressive | $4,879 |
| State Farm | $3,128 |
| Travelers | $4,008 |
| USAA | $2,078 |
Category Winners: Cheapest Car Insurance in Bay St. Louis, Mississippi
Find the cheapest car insurance companies in Bay St. Louis, MS for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Bay St. Louis, MS Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Bay St. Louis car insurance rates. Find the cheapest Bay St. Louis, MS car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,665 | $4,891 | $5,127 |
| Geico | $3,938 | $4,288 | $4,521 |
| Liberty Mutual | $4,474 | $4,769 | $5,131 |
| Nationwide | $2,712 | $2,893 | $3,105 |
| Progressive | $4,357 | $4,940 | $5,340 |
| State Farm | $2,917 | $3,115 | $3,352 |
| Travelers | $3,768 | $4,033 | $4,224 |
| USAA | $1,938 | $2,066 | $2,229 |
What affects car insurance rates in Bay St. Louis, Mississippi?
What factors can have an impact on Bay St. Louis, MS car insurance? There are several reasons why Bay St. Louis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bay St. Louis, Mississippi.
Commute Time in Bay St. Louis
The more time you spend in your car the higher the risk of an accident. The average commute length in Bay St. Louis, MS is 21.7 minutes according to City-Data.
Compare Car Insurance Quotes in Bay St. Louis, MS
Ready to find affordable Bay St. Louis, Mississippi car insurance today? Enter your ZIP code for fast, free Bay St. Louis, MS car insurance quotes.
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Frequently Asked Questions
How are car insurance rates determined in Bay St. Louis, MS?
Car insurance rates in Bay St. Louis, MS are determined by several factors, including your age, driving history, type of vehicle, location, coverage levels, and deductibles. Insurance companies also consider local factors such as the crime rate, weather conditions, and frequency of accidents in the area.
What is the average cost of car insurance in Bay St. Louis, MS?
The average cost of car insurance in Bay St. Louis, MS can vary depending on the factors mentioned above. However, as of my knowledge cutoff in September 2021, the average annual cost of car insurance in Mississippi was around $1,150. Rates in Bay St. Louis may be higher or lower than the state average based on local factors.
How can I find the best car insurance rates in Bay St. Louis, MS?
To find the best car insurance rates in Bay St. Louis, MS, it is advisable to shop around and compare quotes from multiple insurance companies. You can contact insurance agents directly or use online comparison tools to get quotes tailored to your specific needs. It’s also essential to review the coverage options, deductibles, and customer reviews to make an informed decision.
Are there any discounts available for car insurance in Bay St. Louis, MS?
Yes, many insurance companies offer various discounts that can help reduce your car insurance premiums in Bay St. Louis, MS. Common discounts include safe driver discounts, multi-policy discounts (for bundling car insurance with other types of insurance), good student discounts, low-mileage discounts, and discounts for safety features in your vehicle. It’s recommended to ask your insurance provider about available discounts.
Are there any cons specific to Bay St. Louis, MS car insurance rates?
While Bay St. Louis, MS may offer competitive car insurance rates, there are a few potential cons to consider. Insurance rates can be influenced by factors such as high traffic volume or frequency of accidents in the area. Additionally, the weather conditions and risk of hurricanes in coastal regions may affect insurance rates. It’s essential to compare rates, coverage, and factors specific to your situation before making a decision.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.