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How much is car insurance in Gulfport?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Gulfport than it is in the rest of Mississippi.
Drivers relocating from out of state may enjoy some cost savings in Gulfport. It's about $8 cheaper than the national average to insure your vehicle in Gulfport.
While these are the average monthly costs for auto insurance coverage in Gulfport, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Gulfport and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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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 makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Gulfport.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Gulfport, although women do pay slightly less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Gulfport with a single accident on their record is about $90 a month. In addition, drivers with a single ticket on their record can expect to pay around $89 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$73|
According to the first table above, the cheapest vehicles to insure in Gulfport are typically SUVs, at $68 per month.
Truck and van drivers will see rates of about $70, while the rates for car owners average out to about $75 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Gulfport, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Gulfport, with married couples paying about $9 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your living accommodations is another factor that affects your monthly rate. Drivers who own property in Gulfport can expect to pay around $9 a month less than those who rent. 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 average costs.
Car Insurance Companies in Gulfport, MS
Recent trends in car insurance for Gulfport drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Gulfport, the rates for car insurance increased from 2017-2020, when they hit a high of $87. Car insurance rates started to turn downward in 2021, and this pattern has continued through 2022, when rates have most recently reached $64.
How does Gulfport compare to neighboring areas?
Why are car insurance rates in Gulfport different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Road Safety (frequency of car accidents)
- Total number of drivers in the region
- Off-street parking access
- Rate of crime
- Regional regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge 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 Gulfport?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Gulfport.
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Gulfport Insurance FAQs
What factors affect car insurance quotes in Gulfport?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Gulfport different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Gulfport?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gulfport?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Gulfport or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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