Compare Shelby, MS Car Insurance Rates (2021)

Car insurance in Shelby, MS averages $301 a month. Shelby, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Shelby car insurance rates, compare quotes from the top car insurance companies in Shelby, MS.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Shelby for teen drivers is USAA
  • Average car insurance rates in Shelby, MS after a DUI are $4,342/year
  • Average car insurance rates in Shelby, MS are $3,615/year

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

You’ll find Shelby car insurance rates, the cheapest Shelby, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Shelby, Mississippi car insurance rates to Oxford car insurance rates, Southaven car insurance rates, and Jackson car insurance rates.

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

Cheapest Shelby, MS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Shelby, MS car insurance rates? Every Shelby, 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 Shelby, 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 $2,817 $2,690 $2,510 $2,568 $11,283 $12,037 $3,206 $3,291
GEICO $2,692 $2,546 $2,439 $2,266 $6,683 $6,272 $4,478 $2,173
Liberty Mutual $2,720 $2,946 $2,189 $2,457 $9,708 $10,793 $2,888 $3,037
Nationwide $2,058 $2,117 $1,844 $1,958 $4,062 $5,183 $2,325 $2,521
Progressive $2,633 $2,411 $2,147 $2,063 $9,226 $10,298 $2,673 $2,728
State Farm $1,764 $1,764 $1,584 $1,584 $5,174 $6,507 $1,967 $2,240
Travelers $1,610 $1,639 $1,533 $1,537 $7,270 $11,586 $1,688 $1,946
USAA $1,433 $1,420 $1,335 $1,353 $3,562 $4,229 $1,752 $1,934

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Shelby, MS

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

Minimum Required Car Insurance Coverage in Shelby, 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 Shelby, MS Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Shelby, Mississippi

Insurance Company Poor Fair Good
Allstate $5,850 $5,177 $4,124
GEICO $5,569 $3,155 $2,357
Liberty Mutual $6,585 $4,026 $3,165
Nationwide $3,237 $2,635 $2,403
Progressive $4,857 $4,130 $3,831
State Farm $4,070 $2,468 $1,931
Travelers $4,085 $3,334 $3,385
USAA $2,909 $1,893 $1,579

Cheapest Shelby, 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 Shelby, MS to rates for a clean record with top companies.

Annual Shelby, Mississippi Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,265 $5,028 $6,074 $4,833
GEICO $2,300 $3,487 $5,302 $3,686
Liberty Mutual $3,260 $5,201 $5,329 $4,579
Nationwide $2,200 $2,812 $3,584 $2,438
Progressive $3,663 $4,883 $4,244 $4,300
State Farm $2,559 $3,145 $2,793 $2,793
Travelers $3,150 $3,298 $4,524 $3,433
USAA $1,660 $2,120 $2,881 $1,847

Cheapest Shelby, MS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shelby, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,283 $12,037
GEICO $6,683 $6,272
Liberty Mutual $9,708 $10,793
Nationwide $4,062 $5,183
Progressive $9,226 $10,298
State Farm $5,174 $6,507
Travelers $7,270 $11,586
USAA $3,562 $4,229

Cheapest Shelby, MS Car Insurance for Seniors

Take a look at Shelby, 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 Shelby, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,510 $2,568
GEICO $2,439 $2,266
Liberty Mutual $2,189 $2,457
Nationwide $1,844 $1,958
Progressive $2,147 $2,063
State Farm $1,584 $1,584
Travelers $1,533 $1,537
USAA $1,335 $1,353

Cheapest Shelby, MS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shelby, Mississippi

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,074
GEICO $5,302
Liberty Mutual $5,329
Nationwide $3,584
Progressive $4,244
State Farm $2,793
Travelers $4,524
USAA $2,881

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Shelby, MS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shelby, Mississippi

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,050 $5,050
GEICO $3,683 $3,705
Liberty Mutual $4,592 $4,592
Nationwide $2,758 $2,758
Progressive $4,272 $4,272
State Farm $2,754 $2,892
Travelers $3,601 $3,601
USAA $2,062 $2,193

The Best Cheap Car Insurance Companies in Shelby, MS

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

Average Annual Car Insurance Rates by Company in Shelby, Mississippi

Insurance Company Average Annual Rates
Allstate $5,050
GEICO $3,694
Liberty Mutual $4,592
Nationwide $2,758
Progressive $4,272
State Farm $2,823
Travelers $3,601
USAA $2,127

Category Winners: Cheapest Car Insurance in Shelby, Mississippi

Find the cheapest car insurance companies in Shelby, MS for each category right here.

Best Annual Car Insurance Rates by Company in Shelby, Mississippi

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Shelby, MS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelby, Mississippi

Insurance Company Low Medium High
Allstate $4,834 $5,046 $5,271
GEICO $3,453 $3,724 $3,905
Liberty Mutual $4,303 $4,571 $4,902
Nationwide $2,604 $2,749 $2,922
Progressive $3,757 $4,323 $4,738
State Farm $2,652 $2,811 $3,005
Travelers $3,391 $3,623 $3,789
USAA $1,989 $2,116 $2,276

What affects car insurance rates in Shelby, Mississippi?

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

Commute Time in Shelby

The more time you spend in your car the higher the risk of an accident. The average commute length in Shelby, MS is 22.6 minutes according to City-Data.

Compare Car Insurance Quotes in Shelby, MS

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption