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

Quick Facts

• In general, Mississippi Farm Bureau offers significantly cheaper prices than Shelter
• Mississippi Farm Bureau offers more affordable average premiums for drivers who have an at-fault accident on their record
• Shelter offers more discounts than Mississippi Farm Bureau Insurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Mississippi Farm Bureau or Shelter, but which company has less expensive rates for insurance?

Looking at the national average rates for both companies, Shelter is quite a bit more expensive than Mississippi Farm Bureau, with premiums averaging $208 per month compared to just $137 with Mississippi Farm Bureau.

But Mississippi Farm Bureau may not be the most affordable or best option for each driver out there. Auto insurance carriers vary their prices depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a ton of other factors, so premiums will differ quite a bit from person to person.

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

Mississippi Farm Bureau or Shelter: Average Car Insurance Rates by State

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That being said, there's a lot more that goes into your car insurance cost than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Mississippi Farm Bureau save nearly $200 a month compared to those who use Shelter.

However, with both companies, you'll see your rates decrease significantly once you turn 25. For example, average premiums for Mississippi Farm Bureau policyholders reduce almost $150 and Shelter's prices drop about $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase premiums.

So, which company offers the best rates to retired drivers? Mississippi Farm Bureau gets the edge here, with average premiums coming in at around $94 per month compared to Shelter's $141.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable car insurance prices than single policyholders. This usually boils down to married policyholders having multiple cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, Mississippi Farm Bureau is the clear winner for single drivers, with premiums about $84 per month less expensive than Shelter, on average. The advantage is also clear for married couples - Mississippi Farm Bureau offers the lowest average rates.

Mississippi Farm Bureau vs. Shelter: Average Rates by Gender

Did you know women generally pay less for auto insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

Generally, women see rates nearly $10 a month cheaper with Mississippi Farm Bureau, and around $25 cheaper with Shelter when compared to their male counterparts.

When it comes to the most affordable premiums for each gender, Mississippi Farm Bureau comes out on top for both men and women. On average, women save about $63 per month and men save about $80 with Mississippi Farm Bureau compared to the average Shelter policyholder.

Mississippi Farm Bureau or Shelter: 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.

Car insurance isn't the easiest topic to understand. There are a range of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability limits, Mississippi Farm Bureau usually offers significantly more affordable prices of $80 compared to Shelter's $129. When it comes to full coverage policies with similar limits, Mississippi Farm Bureau again has the edge, with policies around $95 a month cheaper than Shelter, on average.

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

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

It's no secret secret that tickets and collisions lead to higher premiums, but which carrier -- Mississippi Farm Bureau or Shelter -- has the cheapest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Mississippi Farm Bureau policyholders can expect their rates to go up an average of $32 per month if they get a ticket, while Shelter typically raises premiums about $39 a month, on average.

But Mississippi Farm Bureau is normally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 29% cheaper for drivers with clean records and 27% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Mississippi Farm Bureau drivers who get in a collision can expect to see their rates rise by over 25%, while those who have insurance through Shelter will see around a 40% increase.

Overall, drivers who use Mississippi Farm Bureau end up with the cheaper prices after an accident, with monthly prices averaging $135 compared to Shelter Insurance's $234.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than an accident or ticket. Shelter drivers usually see a 49% raise in their car insurance rates after a DUI charge, while Mississippi Farm Bureau will usually climb prices by about 44%.

If you have a DUI on your record and are looking for more affordable premiums, Mississippi Farm Bureau tends to be the much more affordable option with average rates of $179 monthly compared to $277 from Shelter.

How does Credit Score Impact Mississippi Farm Bureau and Shelter Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

Looking specifically at Mississippi Farm Bureau and Shelter, which carrier has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance bill. That's because the more miles you put on your car, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mississippi Farm Bureau charges. However, there's a small difference in monthly prices for Shelter, with drivers who put 6,000 miles on their vehicle annually paying around $11 less each month compared to those who drive 12,000 miles every year. Still, Mississippi Farm Bureau is the cheaper option for drivers in both categories.

Mississippi Farm Bureau vs. Shelter: 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 sizable impact as well. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

When comparing these two companies side-by-side, Mississippi Farm Bureau normally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about $93 with Mississippi Farm Bureau compared to Shelter. Drivers in suburban ZIP codes pay around $48 less with Mississippi Farm Bureau compared to Shelter. In urban areas, Mississippi Farm Bureau Insurance's average rates are about $74 less than Shelter Insurance.

Mississippi Farm Bureau vs. Shelter Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts Mississippi Farm Bureau and Shelter offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Shelter has the advantage when it comes to total number of discounts. Mississippi Farm Bureau offers a grand total of five discounts, while Shelter has 10.

Both carriers offer several of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts -- but Shelter also offers advance quote discounts, anti-theft discounts, good driving discounts, and more that Mississippi Farm Bureau does not.

On the flip side, Mississippi Farm Bureau has a unique discount of its own -- a distant student discounts.

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

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best carrier for you, your vehicle, and your wallet?

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

• You have below-average credit.
• You are purchasing your insurance with a spouse.

Shelter might be best for you if...

• You're looking for discounts -- Shelter has the most.

We hope this guide helps you get a better idea of the difference between Mississippi Farm Bureau and Shelter. We also hope we've given you the information you need to make the best decision about 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 multiple companies, not just Mississippi Farm Bureau and Shelter. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Mississippi Farm Bureau vs. Shelter FAQs

Is Mississippi Farm Bureau or Shelter cheaper?

Looking just at the national average prices, Mississippi Farm Bureau is the more affordable of the two companies, offering average rates of $137 per month compared to $208 for Shelter. Even so, Mississippi Farm Bureau won't necessarily be the most affordable company for everyone, since there are many different variables that are considered when it comes to your auto insurance payment.

Who is better, Mississippi Farm Bureau or Shelter?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Mississippi Farm Bureau and Shelter offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the premiums they charge policyholders. Variables such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Mississippi Farm Bureau and Shelter calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Mississippi Farm Bureau or Shelter 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.