Compare Bay St. Louis, MS Car Insurance Rates (2021)

Car insurance in Bay St. Louis, MS averages $322 a month. Bay St. Louis, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bay St. Louis car insurance rates, compare quotes from the top car insurance companies in Bay St. Louis, MS.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Bay St. Louis, MS after a DUI are $4,638/year
  • The cheapest car insurance company in Bay St. Louis for teen drivers is USAA
  • The cheapest car insurance company in Bay St. Louis is USAA

If you need to buy Bay St. Louis, Mississippi car insurance, the options can be confusing. Everything you need to know about car insurance in Bay St. Louis, MS is right here.

You’ll find Bay St. Louis car insurance rates, the cheapest Bay St. Louis, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Bay St. Louis, Mississippi car insurance rates to Greenville car insurance rates, Hattiesburg car insurance rates, and Olive Branch car insurance rates.

Ready to find affordable Bay St. Louis, MS car insurance today? Enter your ZIP code for fast, free Bay St. Louis car insurance quotes.

Cheapest Bay St. Louis, MS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bay St. Louis, MS car insurance rates? Every Bay St. Louis, Mississippi car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay St. Louis, Mississippi

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,714 $2,589 $2,424 $2,482 $10,991 $11,729 $3,077 $3,150
GEICO $3,084 $2,917 $2,786 $2,589 $7,728 $7,226 $5,174 $2,489
Liberty Mutual $2,778 $3,009 $2,223 $2,500 $10,300 $11,470 $2,949 $3,101
Nationwide $2,128 $2,176 $1,913 $2,018 $4,385 $5,554 $2,430 $2,624
Progressive $2,972 $2,776 $2,425 $2,353 $10,515 $11,780 $3,050 $3,160
State Farm $1,936 $1,936 $1,747 $1,747 $5,772 $7,273 $2,161 $2,453
Travelers $1,749 $1,778 $1,677 $1,676 $8,179 $13,066 $1,838 $2,103
USAA $1,393 $1,377 $1,304 $1,315 $3,514 $4,161 $1,694 $1,863

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Minimum Car Insurance in Bay St. Louis, MS

Every driver must carry the minimum car insurance in Bay St. Louis, MS. Take a look at the Mississippi car insurance requirements.

Minimum Required Car Insurance Coverage in Bay St. Louis, Mississippi

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Bay St. Louis, MS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bay St. Louis, MS. Compare credit history car insurance rates in Bay St. Louis from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bay St. Louis, Mississippi

Insurance Company Poor Fair Good
Allstate $5,673 $5,017 $3,994
GEICO $6,407 $3,630 $2,711
Liberty Mutual $6,866 $4,206 $3,302
Nationwide $3,398 $2,774 $2,538
Progressive $5,547 $4,714 $4,375
State Farm $4,509 $2,735 $2,141
Travelers $4,540 $3,711 $3,773
USAA $2,834 $1,851 $1,547

Cheapest Bay St. Louis, MS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bay St. Louis, MS to rates for a clean record with top companies.

Annual Bay St. Louis, Mississippi Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,131 $4,878 $5,886 $4,684
GEICO $2,646 $4,011 $6,099 $4,241
Liberty Mutual $3,386 $5,446 $5,566 $4,767
Nationwide $2,325 $2,960 $3,759 $2,571
Progressive $4,182 $5,588 $4,830 $4,916
State Farm $2,828 $3,495 $3,095 $3,095
Travelers $3,498 $3,661 $5,057 $3,818
USAA $1,619 $2,074 $2,816 $1,801

Cheapest Bay St. Louis, MS Car Insurance for Teen Drivers

Teen car insurance in Bay St. Louis, MS can be expensive. Take a look at rates from the top car insurance companies in Bay St. Louis for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bay St. Louis, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,991 $11,729
GEICO $7,728 $7,226
Liberty Mutual $10,300 $11,470
Nationwide $4,385 $5,554
Progressive $10,515 $11,780
State Farm $5,772 $7,273
Travelers $8,179 $13,066
USAA $3,514 $4,161

Cheapest Bay St. Louis, MS Car Insurance for Seniors

Take a look at Bay St. Louis, MS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bay St. Louis, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,424 $2,482
GEICO $2,786 $2,589
Liberty Mutual $2,223 $2,500
Nationwide $1,913 $2,018
Progressive $2,425 $2,353
State Farm $1,747 $1,747
Travelers $1,677 $1,676
USAA $1,304 $1,315

Cheapest Bay St. Louis, MS Car Insurance Rates After a DUI

A DUI in Bay St. Louis, MS increases car insurance rates. Compare Bay St. Louis, Mississippi DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bay St. Louis, Mississippi

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,886
GEICO $6,099
Liberty Mutual $5,566
Nationwide $3,759
Progressive $4,830
State Farm $3,095
Travelers $5,057
USAA $2,816

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Cheapest Bay St. Louis, MS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bay St. Louis, MS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bay St. Louis, Mississippi

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,894 $4,894
GEICO $4,236 $4,263
Liberty Mutual $4,791 $4,791
Nationwide $2,903 $2,903
Progressive $4,879 $4,879
State Farm $3,050 $3,207
Travelers $4,008 $4,008
USAA $2,014 $2,141

The Best Cheap Car Insurance Companies in Bay St. Louis, MS

Take a look at a side-by-side comparison of the top car insurance companies in Bay St. Louis, MS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bay St. Louis, Mississippi

Insurance Company Average Annual Rates
Allstate $4,894
GEICO $4,249
Liberty Mutual $4,791
Nationwide $2,903
Progressive $4,879
State Farm $3,128
Travelers $4,008
USAA $2,078

Category Winners: Cheapest Car Insurance in Bay St. Louis, Mississippi

Find the cheapest car insurance companies in Bay St. Louis, MS for each category right here.

Best Annual Car Insurance Rates by Company in Bay St. Louis, Mississippi

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Bay St. Louis, MS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bay St. Louis car insurance rates. Find the cheapest Bay St. Louis, MS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bay St. Louis, Mississippi

Insurance Company Low Medium High
Allstate $4,665 $4,891 $5,127
GEICO $3,938 $4,288 $4,521
Liberty Mutual $4,474 $4,769 $5,131
Nationwide $2,712 $2,893 $3,105
Progressive $4,357 $4,940 $5,340
State Farm $2,917 $3,115 $3,352
Travelers $3,768 $4,033 $4,224
USAA $1,938 $2,066 $2,229

What affects car insurance rates in Bay St. Louis, Mississippi?

What factors can have an impact on Bay St. Louis, MS car insurance? There are several reasons why Bay St. Louis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bay St. Louis, Mississippi.

Commute Time in Bay St. Louis

The more time you spend in your car the higher the risk of an accident. The average commute length in Bay St. Louis, MS is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Bay St. Louis, MS

Ready to find affordable Bay St. Louis, Mississippi car insurance today? Enter your ZIP code for fast, free Bay St. Louis, MS car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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