Compare Waterford, MS Car Insurance Rates (2021)

Car insurance in Waterford, MS averages $293 a month. Waterford, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waterford car insurance rates, compare quotes from the top car insurance companies in Waterford, MS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest car insurance company in Waterford is USAA
  • Average car insurance rates in Waterford, MS are $3,521/year
  • Average car insurance rates in Waterford, MS after a DUI are $4,224/year

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

You’ll find Waterford car insurance rates, the cheapest Waterford, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Waterford, Mississippi car insurance rates to Meridian car insurance rates, Olive Branch car insurance rates, and Southaven car insurance rates.

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

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

How do age, gender, and marital status affect Waterford, MS car insurance rates? Every Waterford, 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 Waterford, 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 $2,895 $2,764 $2,591 $2,649 $11,620 $12,425 $3,276 $3,358
GEICO $2,643 $2,498 $2,396 $2,227 $6,655 $6,275 $4,454 $2,139
Liberty Mutual $2,555 $2,766 $2,056 $2,304 $9,137 $10,153 $2,717 $2,861
Nationwide $1,895 $1,946 $1,704 $1,804 $3,737 $4,749 $2,141 $2,316
Progressive $2,510 $2,363 $2,056 $2,002 $9,101 $10,206 $2,588 $2,710
State Farm $1,700 $1,700 $1,522 $1,522 $4,908 $6,166 $1,894 $2,158
Travelers $1,647 $1,677 $1,564 $1,566 $7,337 $11,622 $1,726 $2,006
USAA $1,302 $1,289 $1,217 $1,230 $3,217 $3,812 $1,582 $1,742

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Minimum Car Insurance in Waterford, MS

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

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

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

Annual Car Insurance Rates by Credit Score in Waterford, Mississippi

Insurance Company Poor Fair Good
Allstate $6,021 $5,326 $4,244
GEICO $5,520 $3,128 $2,335
Liberty Mutual $6,193 $3,786 $2,976
Nationwide $2,967 $2,425 $2,217
Progressive $4,758 $4,053 $3,765
State Farm $3,885 $2,358 $1,846
Travelers $4,136 $3,373 $3,421
USAA $2,626 $1,714 $1,431

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

Annual Waterford, Mississippi Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,379 $5,160 $6,280 $4,969
GEICO $2,288 $3,459 $5,244 $3,652
Liberty Mutual $3,068 $4,888 $5,010 $4,309
Nationwide $2,033 $2,585 $3,280 $2,247
Progressive $3,592 $4,818 $4,136 $4,222
State Farm $2,450 $2,997 $2,669 $2,669
Travelers $3,185 $3,335 $4,576 $3,477
USAA $1,505 $1,919 $2,599 $1,673

Cheapest Waterford, MS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterford, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,620 $12,425
GEICO $6,655 $6,275
Liberty Mutual $9,137 $10,153
Nationwide $3,737 $4,749
Progressive $9,101 $10,206
State Farm $4,908 $6,166
Travelers $7,337 $11,622
USAA $3,217 $3,812

Cheapest Waterford, MS Car Insurance for Seniors

Take a look at Waterford, 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 Waterford, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,591 $2,649
GEICO $2,396 $2,227
Liberty Mutual $2,056 $2,304
Nationwide $1,704 $1,804
Progressive $2,056 $2,002
State Farm $1,522 $1,522
Travelers $1,564 $1,566
USAA $1,217 $1,230

Cheapest Waterford, MS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterford, Mississippi

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,280
GEICO $5,244
Liberty Mutual $5,010
Nationwide $3,280
Progressive $4,136
State Farm $2,669
Travelers $4,576
USAA $2,599

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Cheapest Waterford, MS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterford, Mississippi

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,197 $5,197
GEICO $3,649 $3,673
Liberty Mutual $4,319 $4,319
Nationwide $2,536 $2,536
Progressive $4,192 $4,192
State Farm $2,632 $2,761
Travelers $3,643 $3,643
USAA $1,865 $1,983

The Best Cheap Car Insurance Companies in Waterford, MS

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

Average Annual Car Insurance Rates by Company in Waterford, Mississippi

Insurance Company Average Annual Rates
Allstate $5,197
GEICO $3,661
Liberty Mutual $4,319
Nationwide $2,536
Progressive $4,192
State Farm $2,696
Travelers $3,643
USAA $1,924

Category Winners: Cheapest Car Insurance in Waterford, Mississippi

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

Best Annual Car Insurance Rates by Company in Waterford, 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 Waterford, MS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterford, Mississippi

Insurance Company Low Medium High
Allstate $4,970 $5,190 $5,431
GEICO $3,453 $3,686 $3,843
Liberty Mutual $4,059 $4,300 $4,597
Nationwide $2,392 $2,528 $2,689
Progressive $3,772 $4,245 $4,559
State Farm $2,543 $2,684 $2,862
Travelers $3,459 $3,666 $3,805
USAA $1,798 $1,913 $2,061

What affects car insurance rates in Waterford, Mississippi?

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

Traffic in Waterford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waterford, MS traffic data from INRIX ranks Waterford as the 196th-most congested in the world.

Compare Car Insurance Quotes in Waterford, MS

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

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