Hattiesburg, MS Car Insurance

How does Hattiesburg compare to the surrounding area and the rest of Mississippi? What should residents of Hattiesburg expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Hattiesburg?

Car insurance coverage in Hattiesburg is about $4 cheaper than it is in the rest of Mississippi.

When stacked up against the national average, the average monthly policy payment for Hattiesburg is more affordable. It's around $20 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates are the average costs for drivers in Hattiesburg, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Hattiesburg residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Hattiesburg drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. This is true in Hattiesburg, where women pay around $10 less a month. As you can see in the table above, female drivers in the area typically pay $58 on average, while female drivers typically pay $68 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Hattiesburg with a single accident on their record is about $62 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $60.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Hattiesburg are usually trucks and vans, at $37 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $68 per month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Hattiesburg, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Hattiesburg is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. Renters can expect to pay around $4 a month more than homeowners in Hattiesburg. 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

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The rates for car insurance in Hattiesburg had been decreasing from 2017-2019, but began to increase from 2020-2021, when they reached a high of $70. Policy premiums finished down in 2022, at $50 a month.

How does Hattiesburg compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Many factors affecting your policy are based around your home address. These factors include things like:

• Prevalence of crime
• Total number of drivers
• Number of car accidents
• Off-street parking availability
• Local regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Hattiesburg?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

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

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Hattiesburg Insurance FAQs

What factors affect car insurance quotes in Hattiesburg?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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?

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 Hattiesburg 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?