Gulfport, MS Car Insurance

The average cost for car insurance in Gulfport is about $73 a month. We cover plan rates, policies and more in our guide below.
How do rates in Gulfport measure up compared to neighboring areas, including Mississippi as a whole? What rates should residents of Gulfport expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Gulfport?

Area Average Monthly Car Insurance Premium
Gulfport$73
MS$66
United States$80

Car insurance policies across the rest of Mississippi are about $7 a month cheaper than the rates drivers pay in Gulfport.

When stacked up against the national average, the average monthly policy payment for Gulfport is more affordable. It's about $7 cheaper to insure your vehicle in Gulfport compared to the average rate for the United States as a whole.

Bear in mind that while these rates are the average costs for Gulfport drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Gulfport residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$117
25-34$68
35-44$70
45-54Not Enough Data
55-64$54
65+$48

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $69 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Gulfport drivers may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$68

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Gulfport, where male drivers pay about $9 more per month. As you can see in the table above, female drivers in the area typically pay $68 on average, while female drivers typically pay $77 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$127
1 Ticket$123
Multiple Tickets$120

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Gulfport with a single accident on their record will usually see rates around $89 a month. In addition, drivers with one ticket can expect to pay around $123 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$67
2-3 Years$50
4-5 Years$51
6-7 Years$93
8-10 Years$78
11-14 Years$65
15 Years or Older$73

If you look at the first table above, the cheapest vehicles to insure in Gulfport are by and large SUVs, at $67 per month.

Car owners will see rates of about $74, while truck and van owners usually pay around $73 a month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is about 5 years old. The most expensive vehicles to insure in Gulfport are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$78
Married$58
Divorced$63
Widowed$43

Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Gulfport is no exception, with the difference totaling to around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$75
Live with parents$112

One other element taken into consideration is your living accommodations. Renters can expect to pay around $11 a month more than homeowners in Gulfport. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

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.

The rates for car insurance in Gulfport decreased from 2016-2017, when they hit a low of $56. This changed in 2018, when rates started to rise. They reached a high of $87 in 2020, and finished down in 2021, at $68 per month.

How does Gulfport compare to neighboring areas?

Why are car insurance rates in Gulfport different from other areas?

Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Regional crime rates
  • Road Safety (total number of local car accidents)
  • Off-street parking availability
  • Regional laws
  • Amount of drivers

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Gulfport?

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 does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Gulfport.

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Gulfport Insurance FAQs

What factors affect car insurance quotes in Gulfport?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Gulfport different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Gulfport?

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 Gulfport?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Gulfport or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes