Gulfport Car Insurance Cost – Cheapest Rates + Rankings (2024)

• Average car insurance cost in Gulfport is $1,948 per year, or about $162 per month, for a full-coverage policy.
• Gulfport auto insurance costs an average of $82 per year more than the Mississippi state average rate and $65 per year more than the average for all 50 states.
• For cheap car insurance in Gulfport, MS, small SUVs like the Mazda CX-5, Chevrolet Trailblazer, and Subaru Crosstrek cost less than most other models.
• A few models with segment-leading car insurance rates in Gulfport include the Honda Passport, Acura Integra, Acura RDX, Nissan Titan, and Jaguar E-Pace.
• Auto insurance quotes in Gulfport can vary significantly from as little as $36 per month for minimum liability limits to over $725 per month for high-risk drivers.

How much does Gulfport car insurance cost?

The average car insurance cost in Gulfport is $1,948 per year, which is about $162 per month. Gulfport car insurance costs 3.4% more than the national average rate of $1,883.

In the state of Mississippi, average auto insurance cost is $1,866 per year, so the cost in Gulfport averages $82 more per year. The average cost to insure a vehicle in Gulfport compared to other Mississippi locations is $136 per year more expensive than in Hattiesburg, $88 per year more expensive than in Southaven, and $68 per year less than in Jackson.

The next chart shows average car insurance cost in Gulfport, Mississippi, for all 2024 models. Rates are averaged for all Gulfport Zip Codes and shown not only by driver age, but also by policy deductible amounts.

The average cost of car insurance per month in Gulfport is $162, and ranges from $114 to $379 for the data in the prior chart.

Gulfport car insurance rates are not static and can change frequently. This variability increases the need to get multiple auto insurance quotes when shopping online for the cheapest auto insurance policy.

The age of the rated driver is one of the biggest determining factors on the price you pay for auto insurance, so the list below details how age impacts cost by showing the difference in average car insurance rates in Gulfport for different driver ages.

Gulfport, Mississippi, car insurance cost by driver age

• 16-year-old rated driver – $6,926 per year or $577 per month
• 17-year-old rated driver – $6,711 per year or $559 per month
• 18-year-old rated driver – $6,014 per year or $501 per month
• 19-year-old rated driver – $5,476 per year or $456 per month
• 20-year-old rated driver – $3,912 per year or $326 per month
• 30-year-old rated driver – $2,076 per year or $173 per month
• 40-year-old rated driver – $1,948 per year or $162 per month
• 50-year-old rated driver – $1,724 per year or $144 per month
• 60-year-old rated driver – $1,614 per year or $135 per month

The previous rates shown for insuring teen drivers age 16 to 19 assumed the gender of the driver was male. The next chart gets more specific and separates the average cost to insure teen drivers in Gulfport by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.

Car insurance for a 16-year-old female driver in Gulfport costs an average of $458 less than a male driver per year, while at age 19, the difference is narrower but is still $843 per year cheaper for females.

The vehicles that sell well in Gulfport tend to be small or midsize sedans like the Volkswagen Jetta, Toyota Corolla, and Kia K5 and compact and midsize SUVs like the Chevy Equinox, Toyota RAV4, and Toyota Highlander.

Other popular models from other segments include luxury SUVs like the BMW X5, Infiniti QX60, and Cadillac XT5, luxury cars like the Lexus ES 350, Acura ILX, and Infiniti Q50, and pickup trucks like the Toyota Tacoma, Ford Ranger, and Chevy Silverado.

We explore different rates in much more detail in a little bit, but first, let’s go over the concepts and comparisons that were presented up to this point.

• Gulfport car insurance rates are more expensive than the Mississippi state average – $1,948 (Gulfport average) compared to $1,866 (Mississippi average)
• Car insurance gets cheaper as you age – Average auto insurance rates for a 50-year-old driver in Gulfport are $2,188 per year cheaper than for a 20-year-old driver.
• Gulfport, Mississippi, car insurance costs more than the U.S. average – $1,948 (Gulfport average) versus $1,883 (U.S. average)
• Insuring teen drivers costs a lot – Rates range from $4,633 to $6,926 per year for insurance on a teen driver in Gulfport.
• Average car insurance cost per month ranges from $135 to $577 – That is the average car insurance cost range for drivers age 16 to 60 in Gulfport, Mississippi.
• Teen female drivers pay lower rates than teen males – Teenage female drivers pay $843 to $458 less each year than male drivers of the same age.

What vehicles have the cheapest car insurance in Gulfport?

The models with the cheapest average car insurance prices in Gulfport, MS, tend to be small SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average insurance quotes for those compact SUVs cost $1,691 or less per year ($141 per month) for full coverage car insurance.

A few other vehicles that come in near the top in our overall cost comparison are the Kia Niro, Buick Envista, Subaru Outback, and Nissan Murano. Insurance rates are slightly more for those models than the compact SUVs and crossovers at the top of the rankings, but they still have an average cost of $1,789 or less per year, or $149 per month.

The next table ranks the top 40 cheapest vehicles to insure in Gulfport, sorted by annual and monthly insurance cost.

A list of 40 vehicles with the cheapest insurance in Gulfport doesn’t do a great job of providing a comprehesive view of the cost of car insurance in Gulfport. A more useful way to analyze auto insurance rates in an analytical manner is by breaking them out by the segment they belong to.

The next section illustrates the different automotive segments and the average cost of car insurance in Gulfport. This should give a good foundation of which segments have the most affordable average auto insurance rates. Then the following six sections break out and rank the most affordable auto insurance in the more popular segments.

Gulfport auto insurance rates by automotive segment

If you’re considering buying a different vehicle, it’s useful to have a basic understanding of which categories of vehicles have less expensive insurance rates.

For example, you may be curious if SUVs are more affordable to insure than minivans or if heavy duty pickups cost more to insure than half-ton pickups.

The next chart displays average car insurance rates by segment in Gulfport. From an overall average perspective, compact and midsize SUVs, vans, and midsize pickups have the most affordable rates, while luxury models and sports cars tend to have the most expensive insurance.

Segment rates are suitable for getting a ballpark comparison, but insurance cost varies substantially within each segment shown in the previous chart.

For example, in the small car segment, rates range from the Toyota GR Corolla costing $1,690 per year for a full coverage policy to the Toyota Mirai at $2,418 per year.

Also, in the large SUV segment, rates range from the Chevrolet Tahoe at $1,828 per year up to the Toyota Sequoia costing $2,432 per year, a difference of $604 within that segment.

In the next parts of this article, we will remove much of this variability by analyzing car insurance cost for specific vehicles.

Cheapest car insurance rates in Gulfport

Ranking #1 in Gulfport for the lowest-cost insurance in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, with an average cost of $1,690 per year. Second place is the Nissan Leaf costing $1,702 per year, and third place goes to the Honda Civic, costing an average of $1,720 per year.

Some other cars that have good average insurance rates include the Toyota Prius, Kia K5, Hyundai Ioniq 6, and Chevrolet Malibu, with an average cost of $1,886 per year or less.

Ranking between positions 10 and 20, models like the Hyundai Sonata, Mazda 3, Mitsubishi Mirage G4, Toyota Corolla, Toyota Crown, and Volkswagen Arteon cost between $1,886 and $2,010 per year to insure in Gulfport.

As a cost per month, auto insurance in this segment for a safe driver starts at an average of $141 per month, depending on your location.

If ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Gulfport is the Toyota GR Corolla at $1,690 per year, or $141 per month. For midsize cars, the Hyundai Ioniq 6 has the cheapest rates at $1,788 per year, or $149 per month. And for full-size cars, the Chrysler 300 has the most affordable rates at $1,848 per year, or $154 per month.

The next table ranks the cars with the most affordable average auto insurance rates in Gulfport, starting with the Toyota GR Corolla at $141 per month and ending with the Mazda 3 at $168 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Mississippi.

Cheapest SUVs to insure in Gulfport, Mississippi

The four highest ranking non-luxury SUVs with the most affordable auto insurance in Gulfport are the Subaru Crosstrek at $1,436 per year, Chevrolet Trailblazer at $1,464 per year, Kia Soul at $1,518 per year, and Nissan Kicks at $1,530 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Hyundai Venue, Ford Bronco Sport, Mazda CX-5, and Toyota Corolla Cross, with an average cost to insure of $1,594 per year or less.

From a cost per month standpoint, auto insurance rates on this segment in Gulfport for the average driver will start around $120 per month, depending on your company and location.

If rates are ranked based on vehicle size, the cheapest non-luxury compact SUV to insure in Gulfport is the Subaru Crosstrek at $1,436 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,550 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $1,828 per year.

The rate comparison table below ranks the SUVs with the lowest-cost insurance in Gulfport, starting with the Subaru Crosstrek at $1,436 per year ($120 per month) and ending with the Honda HR-V at $1,692 per year ($141 per month).

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Mississippi.

Cheapest luxury car insurance rates in Gulfport

Ranking at the top for the cheapest Gulfport auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Lexus IS 300, Acura Integra, Acura TLX, and BMW 330i. Auto insurance rates for these models average $168 or less per month.

Some other luxury cars that are affordable to insure include the Lexus ES 350, Lexus RC 300, Cadillac CT4, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $2,044 per year or less.

Some additional 2024 luxury models on the list include the Lexus IS 350, Cadillac CT5, Lexus ES 250, BMW 228i, and BMW 330e, which average between $2,044 and $2,180 per year to insure.

Car insurance in Gulfport for this segment for an average middle-age driver can cost as low as $144 per month, depending on where you live and the company you use. The comparison table below ranks the cars with the most affordable auto insurance rates in Gulfport, starting with the Acura Integra at $1,730 per year ($144 per month) and ending with the Audi S3 at $2,180 per year ($182 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Mississippi.

Cheapest luxury SUV insurance rates in Gulfport, MS

The top five models for the most affordable Gulfport car insurance rates in the luxury SUV segment are the Cadillac XT5, Jaguar E-Pace, Cadillac XT4, Acura RDX, and Lexus NX 250. Auto insurance prices for these models average $1,836 or less per year, or around $153 per month.

Not the cheapest in the list, but still ranking well, are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 450h, with average rates of $1,874 per year or less.

Full-coverage auto insurance in Gulfport for this segment for a good driver will start around $135 per month, depending on your location and insurance company.

The comparison table below ranks the SUVs with the cheapest insurance in Gulfport, starting with the Acura RDX at $135 per month and ending with the Lexus NX 350 at $163 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Mississippi.

Cheapest pickup insurance rates in Gulfport, MS

Ranking in the top five for the lowest-cost Gulfport auto insurance rates in the pickup truck segment are the Ford Ranger, Nissan Titan, Nissan Frontier, Ford Maverick, and Chevrolet Colorado. Auto insurance prices for these vehicles average $1,886 or less per year.

Not the cheapest, but still very affordable, are models like the Toyota Tacoma, Honda Ridgeline, GMC Sierra 2500 HD, and GMC Canyon, with average insurance cost of $2,000 per year or less.

On a monthly basis, full-coverage car insurance in Gulfport on this segment for the average driver starts at an average of $139 per month, depending on your location and insurance company. The table below ranks the pickups with the cheapest insurance rates in Gulfport, starting with the Chevrolet Colorado at $139 per month and ending with the Ram Truck at $188 per month.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Gulfport car insurance quotes from top-rated companies in Mississippi.

Cheapest sports car insurance rates in Gulfport, Mississippi

Taking the top ranking in Gulfport for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, at an average of $1,800 per year. Second place is the Toyota GR86 at $2,050 per year, and third place goes to the Ford Mustang, at an average of $2,138 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the Subaru BRZ, Lexus RC F, Nissan Z, and Toyota GR Supra, with an average cost of $2,326 per year or less.

On a monthly basis, auto insurance on this segment in Gulfport starts at around $150 per month, depending on your location and insurance company.

The table below ranks the twenty sports cars with the cheapest average auto insurance rates in Gulfport, starting with the Mazda MX-5 Miata at $1,800 per year ($150 per month) and ending with the Porsche Taycan at $3,292 per year ($274 per month).

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Gulfport.

Tips for cheaper Gulfport car insurance rates

Drivers should always be looking to reduce the monthly expense for insurance, so take a minute and read through the money-saving ideas in this next list and it’s very likely you can save a little money on your next policy.

• You don’t have to stick with the same company. Taking a few minutes to get some free car insurance quotes could significantly reduce the cost of insurance. Companies make rate modifications frequently and you can switch companies at any time.
• Get better rates due to your profession. The vast majority of auto insurance providers offer discounts for occupations like dentists, scientists, lawyers, architects, college professors, and others. By qualifying for this profession discount, you could potentially save between $58 and $189 on your insurance premium, subject to the policy coverages selected.
• Be a careful driver and save. Being the cause of frequent accidents will raise rates, possibly up to $2,774 per year for a 20-year-old driver and as much as $584 per year for a 50-year-old driver. So be safe and save.
• Increasing deductibles makes car insurance cheaper. Boosting your physical damage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Reduce coverage on older cars. Deleting physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective can cut the cost of car insurance considerably.
• Don’t file small claims. Most insurance companies give a discount for not having any claims. Car insurance should be used in the case of significant financial loss, not minor claims that should be paid out-of-pocket.
• Driving citations can increase insurance cost. In order to get cheap auto insurance in Gulfport, it’s necessary to avoid traffic citations. As few as two minor infractions could increase the price of a policy by up to $514 per year. Serious convictions like failing to stop at the scene of an accident could raise rates by an additional $1,806 or more.