Hattiesburg, MS Car Insurance

Drivers in Hattiesburg pay, on average, $61 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Hattiesburg expect to pay for their car insurance? Are rates in Hattiesburg higher or lower than those in neighboring areas? How do they compare to the rest of Mississippi? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Hattiesburg?

Area Average Monthly Car Insurance Premium
Hattiesburg$61
MS$66
United States$80

Auto insurance coverage in Hattiesburg is about $5 cheaper than it is in the rest of Mississippi.

Similarly, car insurance rates in Hattiesburg are often favorable when viewed against the rest of the country. The average monthly payment in Hattiesburg is about $19 less than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Hattiesburg, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Hattiesburg so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$166
18-24$78
25-34$56
35-44$55
45-54$50
55-64$52
65+$54

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Hattiesburg.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$60

Car insurance rates for women are generally cheaper than they are for men. The price for car insurance in Hattiesburg, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$67
1 Ticket$41
Multiple Tickets$65

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Hattiesburg, having a single accident on your record will usually get you rates around $61 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $41.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$55
2-3 Years$44
4-5 Years$46
6-7 Years$75
8-10 Years$57
11-14 Years$59
15 Years or Older$61

The most affordable vehicles to insure in Hattiesburg are usually trucks and vans, which run about $41 per month.

SUV drivers will see rates of about $50, while the rates for car owners average out to about $65 a month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Hattiesburg, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$48
Divorced$58
Widowed$56

On average, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Hattiesburg follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$64
Live with parents$69

Your housing status is another factor that affects your monthly rate. Drivers who own property in Hattiesburg can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Hattiesburg, MS

Recent trends in car insurance for Hattiesburg 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 Hattiesburg dropped from 2016-2019, before leveling out in 2020. They finished down in 2021, at $52 per month

How does Hattiesburg compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Off-street parking access
  • Total number of drivers in the area
  • Crime levels
  • Local laws
  • Road Safety (total number of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Hattiesburg?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Hattiesburg.

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Hattiesburg Insurance FAQs

What factors affect car insurance quotes in Hattiesburg?

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 age and gender, as well as your credit score, driving record, marital status, and address.

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

Things like local laws, parking situations, and crime rates, 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 Hattiesburg?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hattiesburg?

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 Hattiesburg 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.

Find your best rate in just a few minutes