Cheapest car insurance companies in Gulfport
After an in-depth analysis, Insurance.com found that Nationwide and State Farm are the cheapest car insurance companies in Gulfport for 2023.
Nationwide offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for Gulfport drivers at an annual rate of $1,306 a year, on average.
The cost of car insurance in Gulfport varies depending on your ZIP code, driving history, coverage level, and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Gulfport.
| Companies | Average annual rates |
|---|---|
| Nationwide | $1,306 |
| USAA | $1,351 |
| State Farm | $1,754 |
| Travelers | $1,759 |
| Geico | $1,984 |
| Southern Farm Bureau | $2,076 |
| Progressive | $2,271 |
| Shelter Insurance | $2,522 |
| Allstate | $2,576 |
| Safeway Insurance | $3,366 |
Cheapest car insurance cost in Gulfport by Age Group
The cheapest auto insurance company in Gulfport for teen drivers is Southern Farm Bureau. For full coverage, its average annual rate for Gulfport drivers is $4,190. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
USAA provides the cheapest car insurance coverage for young drivers in Gulfport, with an annual premium of $2,063 on average.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Gulfport is Nationwide. Its average rate for a full coverage car insurance policy is $1,312 per year.
Nationwide tops the list in terms of affordability for senior drivers in Gulfport. With an average annual premium of $1,244, Nationwide offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Southern Farm Bureau | $4,190 | $3,051 | $2,115 | $1,847 |
| Nationwide | $4,320 | $2,091 | $1,312 | $1,244 |
| USAA | $4,434 | $2,063 | $1,365 | $1,436 |
| State Farm | $4,980 | $2,880 | $1,766 | $1,715 |
| Travelers | $5,276 | $2,658 | $1,787 | $1,720 |
| Shelter Insurance | $6,793 | $4,544 | $2,630 | $2,329 |
| Geico | $6,850 | $3,538 | $1,966 | $2,445 |
| Progressive | $9,702 | $3,545 | $2,274 | $2,109 |
| Allstate | $9,808 | $3,980 | $2,557 | $2,618 |
| Safeway Insurance | $9,849 | $5,122 | $3,152 | $3,358 |
Cheapest car insurance companies in Gulfport by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Gulfport. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
To find the cheapest car insurance company in Gulfport, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
In Gulfport, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Gulfport drivers is $1,651.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,651 |
| Nationwide | $1,835 |
| USAA | $1,974 |
| Travelers | $2,650 |
| Progressive | $2,894 |
| Allstate | $3,288 |
| State Farm | $6,808 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Gulfport. Its full coverage car insurance policy costs an average of $1,286 per year for drivers aged 30.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| USAA | $1,286 |
| State Farm | $1,465 |
| Nationwide | $1,593 |
| Geico | $1,767 |
| Travelers | $2,236 |
| Progressive | $2,254 |
| Allstate | $2,272 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Gulfport drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,632. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,632 |
| USAA | $1,730 |
| Nationwide | $1,812 |
| Travelers | $2,250 |
| Geico | $2,454 |
| Progressive | $3,109 |
| Allstate | $3,239 |
Cheapest auto insurance after a DUI: State Farm
In Gulfport, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,465 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,465 |
| USAA | $1,994 |
| Nationwide | $2,541 |
| Progressive | $2,579 |
| Travelers | $2,742 |
| Allstate | $3,153 |
| Geico | $7,170 |
Average car insurance cost in Gulfport
In Gulfport, the annual cost of car insurance for the coverage level of 100/300/100 is $2,096 or around $175 per month. However, the average yearly rate for state minimum coverage in Gulfport is $555.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,096 | $555 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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