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How much is car insurance in Biloxi?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Biloxi is in line with pricing for the rest of Mississippi.
Compared to the rest of the country, auto insurance in Biloxi is more affordable. The average monthly payment for the United States as a whole is about $17 more expensive than in Biloxi.
While these numbers are the average rates for auto insurance in Biloxi, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Biloxi so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $49 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Biloxi may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Biloxi, the difference is around $9 per month. As you can see in the table above, female drivers in the area typically pay $59 on average, while female drivers typically pay $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Biloxi, a driving record with one accident will usually get you a rate around $93 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.
Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$66|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Biloxi, with drivers paying around $62 per month for insurance coverage.
Cars and SUVs, however, usually cost about $65 for auto insurance.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Biloxi, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Overall, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Biloxi follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
Another factor that comes into play is your living situation. Renters can expect to pay around $17 a month more than those who own their own home in Biloxi. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Biloxi, MS
Recent trends in car insurance for Biloxi drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of insurance in Biloxi dropped from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $55 a month
How does Biloxi compare to neighboring areas?
Why are car insurance rates in Biloxi different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Regional regulations
- Amount of off-street parking
- Rate of car accidents
- Number of drivers in the region
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Biloxi?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Biloxi.
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Biloxi Insurance FAQs
What factors affect car insurance quotes in Biloxi?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Biloxi different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Biloxi?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Biloxi?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Biloxi or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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