Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Murphy, MS
We monitor insurance prices, helping the average driver in Murphy save up to 32.0% on car insurance.
The Cheapest Minimum Coverage in Murphy
The chart below shows the cheapest car insurance company in Murphy 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.
| Murphy Insurer | Monthly Cost |
|---|---|
| State Farm | $64 |
| Farm Bureau | $66 |
| Safeco Insurance | $68 |
| Progressive | $75 |
Savings for Every Kind of Murphy Driver
Based on our extensive insurance data, we know the average Murphy 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 $295 per year by choosing the right vehicle insurance company. Some Murphy residents are paying out over $1,728 extra every year for auto insurance in Murphy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Murphy, MS Savings / Yr. |
|---|---|
$295 |
|
$493 |
|
$384 |
|
$757 |
|
$1,753 |
|
$253 |
|
$771 |
Murphy Car Insurance vs. Mississippi
People living in Murphy pay an average of 1.17% more than the typical driver in the state. The average driver in Murphy can expect to pay about $983 per year, or $1,728 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Murphy for most people.
Car Insurance Prices by Murphy Neighborhood
Insurance Prices
Where is insurance cheapest within Murphy?
The map shows insurance prices in and around Murphy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $116 per year within the city boundaries, with insurance premiums ranging from a high of $1,761 to a low of $1,645. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Murphy.Pick the Best Car Insurance Company for You in Murphy
The best car insurance provider for most drivers in Murphy
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $295 over the average Murphy car insurance company.
The best car insurance provider for Murphy drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $493 over the competition.
The best car insurance company for Murphy drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $384 better than other car insurance companies.
The best auto insurance for Murphy drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $757 less each year.
The least expensive car insurance company for new and young drivers in Murphy
In Murphy, Farm Bureau costs young drivers $1,753 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Murphy
Farm Bureau gave the largest car insurance discounts to married couples, averaging $253 saved each year compared to an average Murphy couple's premiums.
The cheapest car insurance in Murphy for drivers with bad credit
The best Murphy car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Murphy, which was better than other insurers.
The cheapest large national provider in Murphy
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Murphy driver can expect to pay about $118 per month.
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 Murphy, 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.Auto Insurance Prices in and Around Murphy
What Influences the Cost of Car Insurance in Murphy?
On average, car insurance in Murphy 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 city are influenced by the following factors:
- 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 Murphy are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Murphy is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Murphy is $82 per month for minimum coverage and $144 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
- Willet: Insurance costs 2.20% less
- Gooden Lake: Insurance costs 0.23% less
- Delta City: Insurance costs 1.91% more
- Midnight: Insurance costs 0.64% less
- Isola: Insurance costs 0.52% less
- Silver City: Insurance costs 0.17% more
- Cameta: Insurance costs 1.39% more
- Panther Burn: Insurance costs 2.72% more
- Hollandale: Insurance costs 5.84% more
- Belzoni: Insurance costs 3.65% more
Cities with Similar Populations
- Stegall: Insurance costs 16.32% less
- Kanawha Head: Insurance costs 12.50% less
- Kasbeer: Insurance costs 18.06% less
- Kimeo: Insurance costs 12.04% less
- Kipahulu: Insurance costs 26.27% less
- Kirkland Junction: Insurance costs 0.98% less
- St. Paul: Insurance costs 18.46% less
- St. Stephens: Insurance costs 18.40% less
- Stahl: Insurance costs 2.95% more
- Standardsburg: Insurance costs 38.72% less