Table of contents
How much is car insurance in Biloxi?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Biloxi are in line with rates across the rest of Mississippi.
If you're thinking of moving to Biloxi from out of state, you may still be in luck. On average, it's about $14 less to insure your vehicle in Biloxi than it is in the rest of the U.S.
Although these are the average car insurance rates in Biloxi, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Biloxi to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $63 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Biloxi drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Biloxi, the difference comes out to about $20 a month. As illustrated in the table above, female drivers in the area pay about $55 on average, while male drivers pay around $75 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Biloxi with a single accident will pay around $116 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$69|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Biloxi, with drivers paying around $64 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $66 per month, while truck and van drivers can expect to pay about $72 a month for car insurance.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Biloxi are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly 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 $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Biloxi, expect to pay around $24 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Biloxi, MS
Recent trends in car insurance for Biloxi drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Biloxi, the rates for auto insurance had been increasing from 2016-2017, when they reached a high of $82. This leveled out in 2018, when policy premiums began to decrease. They hit a low of $43 in 2020, and finished at $57 in 2021.
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 many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (frequency of local car accidents)
- Local regulations
- Crime rates
- Off-street parking access
- Number of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Biloxi?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Biloxi.
Biloxi Insurance FAQs
What factors affect car insurance quotes in Biloxi?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Biloxi different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Biloxi?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Biloxi?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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.