Southern Car Insurance

Southern car insurance is different from car insurance in the North in that weather conditions are usually safer to drive in. Additionally, the South has reduced risk in terms of traffic.

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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 5, 2020

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Here's what you need to know...

  • The weather in the south makes driving safer because there are usually not winter conditions
  • National companies also operate in the southern states
  • Many personal factors go into your car insurance premiums

Southern car insurance companies are ready for your business and are sprouting up all over the lower half of the United States.

Southern car insurance is much like northern or eastern car insurance in this way; it is based on driver risk and insurance company underwriting.

There is no federal or regional control over this industry; only the states have the power to enforce insurance laws.

Southern states may be conservative in politics, but when it comes to car insurance, they are highly protective of the rights of the individual driver.

Most of the no-fault states in the U.S. are in the northern sections of the country.

Type in your zip code to get southern car insurance quotes now!

Factors That Affect Southern Car Insurance Rates


Some of the factors that impact rates in the South include:

  • Weather Naturally, the southern half of the United States endures a great deal of severe weather every year, including tornadoes, hail, and hurricanes
  • Traffic The South also has a slightly reduced risk in terms of traffic, at least when compared to northern and western states like New York and California
  • Climate and car type Because of the climate of southern states, many drivers continue to drive older model cars, which are cheaper to insure

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Googling Southern Car Insurance Companies

The term “southern” can imply a number of “southern” car insurance companies.

Some companies actually use the term “Southern” in their names, such as Great Southern Insurance and Southern Family Insurance Services.

Other companies are based in the south and so are commonly referred to as Southern insurance companies. Whether you are in Texas or South Carolina, you have familiar options.

Some of the top southern providers include:

  • Allstate
  • State Farm
  • Progressive

Remember that although state legislation can influence the terms and conditions of contracts, ultimately it is the insurance company that writes the contract.

However, you as the insured are not powerless. You have the power to request changes and insist upon “riders” being added to the fine print.

If you’re not completely happy with the policy, then don’t sign it!

Consider the online quote a rough estimate based on preliminary data. After supplying your full information to the company, you can get an accurate quote.

If you are having difficulty finding information about a company online, then this could be a strong indication that something is wrong.

Some Southern insurance companies that are hard to find online have not so coincidentally been investigated or sued by state/civil attorney and have changed their names in an attempt to escape their checkered past.

When choosing an insurance company in the south, try to find information about the company from independent insurance ratings organizations like Moody’s or A.M. Best.

Factors That Influence Policy Price

Though your state location does play a part in determining prices, some factors are based on your demographics and your particular driving history.

Age, gender, and occupation all determine your risk in addition to these factors:

  • Miles  the number of miles you drive every year, as well as the make and model of your car, will help determine the premium rate
  • Credit score  statistically speaking, people who do not take risks with their credit similarly do not take risks on the road
  • Driving history  If you have been carefully driving for a while now but still pay a high price for coverage, it might be time for you to start shopping again

You can start looking for new southern car insurance quotes right away by entering your zip code.

Use this fast and easy search tool to compare car insurance quotes and save money!

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