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Get Cheap Car Insurance in Long, MS

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

 

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The Cheapest Minimum Coverage in Long

The chart below shows the cheapest car insurance company in Long 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.

 
Long Insurer Monthly Cost
State Farm $61
Farm Bureau $62
Safeco Insurance $64
Progressive $72

Savings for Every Kind of Long Driver

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

Based on our extensive insurance data, we know the average Long 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 $281 per year by choosing the right vehicle insurance company. Some Long residents are paying out over $1,645 extra every year for auto insurance in Long. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Long, MS Savings / Yr.
Drivers with good records
$281
Drivers with accidents
$469
Drivers with speeding tickets
$366
Drivers with a DUI conviction
$720
Young drivers
$1,669
Married drivers
$241
Drivers with bad credit
$734

Long Car Insurance vs. Mississippi

People living in Long pay an average of 3.71% less than the typical driver in the state. The average driver in Long can expect to pay about $936 per year, or $1,645 for full coverage.

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

Car Insurance Prices by Long Neighborhood

Long, MS map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Long?

The map shows insurance prices in and around Long, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,645 to a low of $1,645. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the North parts of Long.

Pick the Best Car Insurance Company for You in Long

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 Long insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Long

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $281 over the average Long car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in Long. 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 Long drivers with accidents on their records

In Long getting into an accident will raise premiums an average 31% for a yearly cost of $2,369. That's $724 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 $469 over the competition.

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The best car insurance company for Long drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $366 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 Long, tickets raise premiums on new quotes about $419. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,063 per year.

The best auto insurance for Long drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,834 per year in auto insurance premiums, which was $1,189 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 $720 less each year.

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

In Long, Farm Bureau costs young drivers $1,669 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 Long. With an average cost of $5,211 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 Long

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $208. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Long.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $241 saved each year compared to an average Long couple's premiums.

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The cheapest car insurance in Long for drivers with bad credit

People with poor credit saved an average of $734 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,204 every year. Premiums for people with poor credit were about $2,848 in Long. 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 Long car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Long, 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 Long.

Nationwide was the best company for customer service in Long 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 Long, 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 Long. 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 Long

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Long residents who are renting, and don't plan to be in the city 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 Long 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 Long, 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.
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Auto Insurance Prices in and Around Long

What Influences the Cost of Car Insurance in Long?

On average, car insurance in Long is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:

  • The average commute time in Long is 20 minutes, which is far 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 Long are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Long has an average population density in the state. The city’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 Long is $78 per month for minimum coverage and $137 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 Cities

Cities with Similar Populations

* Who is the average Long driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Long 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.