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Get Cheap Car Insurance in Hinds County, MS

We monitor insurance prices, helping the average driver in Hinds County save up to 32.0% on car insurance.

 

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The Cheapest Minimum Coverage in Hinds County

The chart below shows the cheapest car insurance company in Hinds County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Safeco Insurance, and Progressive.

 
Hinds County Insurer Monthly Cost
State Farm $69
Farm Bureau $71
Safeco Insurance $74
Progressive $82

Savings for Every Kind of Hinds County Driver

The table shows how much the average auto insurance customer in Hinds County might save by following our recommendations.

Based on our extensive insurance data, we know the average Hinds County driver will save about 17% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $321 per year by choosing the right vehicle insurance company. Some Hinds County residents are paying out over $1,880 extra every year for auto insurance in Hinds County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hinds County, MS Savings / Yr.
Drivers with good records
$321
Drivers with accidents
$536
Drivers with speeding tickets
$418
Drivers with a DUI conviction
$823
Young drivers
$1,908
Married drivers
$275
Drivers with bad credit
$839

Hinds County Car Insurance vs. Mississippi

People living in Hinds County pay an average of 10.07% more than the typical driver in the state. The average driver in Hinds County can expect to pay about $1,070 per year, or $1,880 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Hinds County for most people.

Car Insurance Prices by Hinds County Neighborhood

Hinds County, MS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hinds County?

The map shows insurance prices in and around Hinds County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $590 per year within the county boundaries, with insurance premiums ranging from a high of $2,208 to a low of $1,618. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southwest parts of Hinds County.

Pick the Best Car Insurance Company for You in Hinds County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hinds County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hinds County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $321 over the average Hinds County car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in Hinds County. State Farm, Geico, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Hinds County drivers with accidents on their records

In Hinds County getting into an accident will raise premiums an average 31% for a yearly cost of $2,708. That's $828 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $536 over the competition.

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The best car insurance company for Hinds County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $418 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hinds County, tickets raise premiums on new quotes about $479. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,359 per year.

The best auto insurance for Hinds County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,239 per year in auto insurance premiums, which was $1,359 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $823 less each year.

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The least expensive car insurance company for new and young drivers in Hinds County

In Hinds County, Farm Bureau costs young drivers $1,908 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Hinds County. With an average cost of $5,957 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hinds County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $238. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Hinds County.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $275 saved each year compared to an average Hinds County couple's premiums.

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The cheapest car insurance in Hinds County for drivers with bad credit

People with poor credit saved an average of $839 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,376 every year. Premiums for people with poor credit were about $3,256 in Hinds County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Bristol West.

The best Hinds County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hinds County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Hinds County.

Nationwide was the best company for customer service in Hinds County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hinds County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hinds County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hinds County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Hinds County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hinds County driver can expect to pay about $118 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hinds County, USAA has the best prices for married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Hinds County

What Influences the Cost of Car Insurance in Hinds County?

On average, car insurance in Hinds County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Hinds County is 28 minutes, which is a little less than average for a driver in the state.
  • Mississippi state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Hinds County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Hinds County is a lightly populated area in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Hinds County is $89 per month for minimum coverage and $157 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Hinds County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hinds County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.