Direct Auto vs. Mississippi Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Mississippi Farm Bureau offers less expensive premiums than Direct Auto
• Direct Auto tends to be a much cheaper option for drivers with a DUI charge on their record
• Mississippi Farm Bureau has more affordable rates for drivers who have an at-fault accident on their record

Direct Auto vs. Mississippi Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Direct Auto or Mississippi Farm Bureau as potential options, but which company will offer you less expensive prices?

Looking at the national average rates for both companies, Mississippi Farm Bureau is about $33 per month cheaper than Direct Auto.

However, that doesn't necessarily mean Mississippi Farm Bureau will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

Wanting to know if Direct Auto or Mississippi Farm Bureau is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Direct Auto or Mississippi Farm Bureau: Average Car Insurance Rates by State

Direct Auto and Mississippi Farm Bureau only compete against each other in Mississippi, where Direct Auto offers the cheaper average rates. For Mississippi residents, Direct Auto offers auto insurance for $97 monthly on average. Mississippi Farm Bureau's average prices come out to be over 40% more expensive, at $137 per month.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Mississippi Farm Bureau save $95 a month compared to those who use Direct Auto.

Even so, both carriers will lower rates by the time drivers turn 25. Mississippi Farm Bureau offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Direct Auto's average premiums decrease more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Direct Auto and Mississippi Farm Bureau? Mississippi Farm Bureau gets the edge, with prices for drivers 65 and older nearly 25% less expensive than the national average for Direct Auto.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance premiums than married policyholders. That's because policies for married drivers usually cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Mississippi Farm Bureau is the clear winner for single drivers, with rates around $38 per month more affordable than Direct Auto, on average. For married couples, the advantage is clear again - Mississippi Farm Bureau has the edge when it comes to average prices.

Direct Auto vs. Mississippi Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll normally end up paying more for insurance than women.

On average, men see rates about $4 a month higher with Direct Auto, and almost $10 with Mississippi Farm Bureau.

Looking at overall affordability, Mississippi Farm Bureau comes out as the cheapest option for both genders. On average, male drivers save about $31 per month and women save around $35 with Mississippi Farm Bureau compared to the average Direct Auto policyholder.

Direct Auto or Mississippi Farm Bureau: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Mississippi Farm Bureau typically offers cheaper premiums of $80 compared to Direct Auto's $96. When it comes to full coverage policies with similar limits, Mississippi Farm Bureau again has the edge, with policies about $50 a month less expensive than Direct Auto, on average.

Is Direct Auto or Mississippi Farm Bureau Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your prices, but is Direct Auto or Mississippi Farm Bureau cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Direct Auto policyholders can expect their premiums to go up an average of $38 per month if they get a ticket, while Mississippi Farm Bureau usually raises rates around $32 a month, on average.

But Mississippi Farm Bureau has more affordable prices for drivers in both categories, offering rates that are 29% and 27% less expensive, respectively, compared to Direct Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Direct Auto climbing by over $45. Mississippi Farm Bureau has a less extreme climb, but you can still expect to pay just under $35 more than you were prior to your first accident.

Overall, Mississippi Farm Bureau offers the most affordable prices for drivers with an at-fault collision on their records, with monthly rates averaging $135 compared to Direct Auto Insurance's $190.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Mississippi Farm Bureau will raise your premiums about 44% after a DUI, while Direct Auto's average prices climb by just under 15%.

If you have a DUI on your record and are looking for more affordable premiums, Direct Auto tends to be the much more affordable option with average rates of $165 a month compared to $179 from Mississippi Farm Bureau.

How does Credit Score Impact Direct Auto and Mississippi Farm Bureau Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Mississippi Farm Bureau. Policyholders with "excellent" credit can save over 40% compared to Direct Auto, and those with "good" scores can also expect to see savings -- around $51 or 31% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $38 less with Mississippi Farm Bureau than Direct Auto, but those whose credit is considered "poor" have it flipped -- saving around $23 per month with Direct Auto.

Is Direct Auto or Mississippi Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly insurance cost? Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Direct Auto or Mississippi Farm Bureau report increasing premiums for drivers with higher annual mileage figures. Mississippi Farm Bureau comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $137 a month for both.

Direct Auto vs. Mississippi Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Mississippi Farm Bureau tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Mississippi Farm Bureau offers rates about $161 monthly compared to Direct Auto's $226. People who live in suburban ZIP codes can expect to pay around $139 per month for Mississippi Farm Bureau and $168 for Direct Auto. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly premiums coming in at $110 and $116 for Mississippi Farm Bureau and Direct Auto respectively.

Direct Auto vs. Mississippi Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Direct Auto and Mississippi Farm Bureau so that you can find the one that has the most discounts and, therefore, the biggest savings.

Direct Auto knocks Mississippi Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Mississippi Farm Bureau.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good student. Direct Auto also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Mississippi Farm Bureau does not.

On the flip side, Mississippi Farm Bureau has a couple unique discounts of its own -- distant student discounts, discounts for getting driver training, and multi-policy discounts.

Final Thoughts: Is Direct Auto or Mississippi Farm Bureau Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you and your specific needs?

Mississippi Farm Bureau might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want basic insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Direct Auto might be best for you if...

• You have a DUI charge on your record.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Direct Auto and Mississippi Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of companies, not just Direct Auto and Mississippi Farm Bureau. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Direct Auto vs. Mississippi Farm Bureau FAQs

Is Direct Auto or Mississippi Farm Bureau cheaper?

Looking just at the national average rates, Mississippi Farm Bureau is the cheaper of the two companies, offering average rates of $137 a month compared to $170 for Direct Auto. Even so, Mississippi Farm Bureau won't necessarily be the lowest company for every policyholder, since there are many different factors that come into play when it comes to your auto insurance bill.

Who is better, Direct Auto or Mississippi Farm Bureau?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Mississippi Farm Bureau offers more affordable premiums for policyholders with an at-fault accident on their record, while Direct Auto is cheaper for drivers who have less-than-stellar credit scores.

Why do Direct Auto and Mississippi Farm Bureau offer me different rates?

Insurance carriers take a look at many different variables when calculating the prices they charge drivers. Factors like your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Direct Auto and Mississippi Farm Bureau calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Direct Auto or Mississippi Farm Bureau is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Direct Auto or Mississippi Farm Bureau at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.