Car Insurance in Southaven, MS – Rates + Cheapest to Insure for 2024

• Average car insurance cost in Southaven is $1,860 per year, which is 1.2% less than the national average rate of $1,883.
• Compact models like the Nissan Kicks, Chevrolet Trailblazer, Buick Envision, and Volkswagen Tiguan have the best chance of getting cheap car insurance in Southaven.
• Models with segment-leading car insurance rates include the Mercedes-Benz CLA250 at $1,914 per year, Toyota GR Corolla at $1,616 per year, Honda Passport at $1,482 per year, and Jaguar E-Pace at $1,740 per year.

How much does car insurance cost in Southaven?

Average car insurance rates in Southaven cost $1,860 per year, or approximately $155 per month. When compared to the overall U.S. national average rate, Southaven car insurance cost is 1.2% cheaper per year.

In the state of Mississippi, the average cost of car insurance is $1,866 per year, so the cost in Southaven averages $6 less per year. When compared to other cities in Mississippi, the cost to insure a car in Southaven is approximately $88 per year less than in Gulfport, $48 per year more than in Hattiesburg, and $70 per year cheaper than in Biloxi.

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

Average cost of car insurance in Southaven for drivers age 16 to 60

• 16-year-old rated driver – $6,628 per year or $552 per month
• 17-year-old rated driver – $6,419 per year or $535 per month
• 18-year-old rated driver – $5,752 per year or $479 per month
• 19-year-old rated driver – $5,238 per year or $437 per month
• 20-year-old rated driver – $3,742 per year or $312 per month
• 30-year-old rated driver – $1,984 per year or $165 per month
• 40-year-old rated driver – $1,860 per year or $155 per month
• 50-year-old rated driver – $1,650 per year or $138 per month
• 60-year-old rated driver – $1,546 per year or $129 per month

The chart below shows additional data for the 20 to 60-year-old age groups by including rates for three different policy deductible amounts. Showing these different rates can help you understand how auto insurance cost increases with lower deductibles, and decreases when deductible are raised.

Average rates in the chart above range from $1,306 per year for a 60-year-old driver with $1,000 physical damage deductibles to $4,352 per year for a 20-year-old driver with $250 deductibles. Throughout our site, the rate used for comparing different segments, models or locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which has an average cost of $1,860 per year.

As a monthly price, the average cost to insure a vehicle in Southaven ranges from $109 to $363 for the same annual rate data shown in the chart above.

Car insurance rates can have a very wide price range and can also be very different depending on the company. This large rate variability increases the need for accurate free auto insurance quotes when shopping around for cheaper car insurance in Southaven.

Which vehicles have cheap insurance in Southaven?

The models with the best car insurance prices in Southaven tend to be crossover SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Toyota Corolla Cross. Average auto insurance rates for those vehicles cost $126 or less per month for a full coverage policy.

Other vehicles that rank well in our car insurance price comparison are the Acura RDX, Ford Bronco Sport, Subaru Outback, and Buick Encore.

Rates are marginally higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,596 or less per year in Southaven.

The next table breaks down the 25 models with the cheapest car insurance in Southaven, sorted by average cost.

A list of 25 vehicles with the cheapest insurance in Southaven is fine if you just want the lowest rates. Considering we track over 700 vehicles, the majority of models get omitted from the list. So let’s dig deeper and show the vehicles with the best rates in a format that is more usable, by vehicle segment.

The next section of this article illustrates the average cost of car insurance for each different vehicle segment. The average rates shown will give you a better idea of which types of cars, trucks, and SUVs that have the overall best average auto insurance rates. The subsequent sections break out and rank the most affordable auto insurance in each unique segment.

Southaven auto insurance rates by vehicle segment

If you’re shopping around for a different vehicle, it’s advantageous to know which categories of vehicles are cheaper to insure. For example, maybe you’re curious if midsize cars have more affordable insurance than midsize SUVs or if heavy duty pickups have more expensive insurance than half-ton pickups.

The next chart displays the average cost of car insurance rates in Southaven for different vehicle segments. In general, compact SUVs, midsize trucks, and minivans have the least expensive average auto insurance rates, with sports cars and performance luxury models having the most expensive average insurance cost.

Average rates by segment are close enough for general comparisons, but insurance rates for specific models range quite a lot within each vehicle segment listed in the chart above.

For example, in the midsize luxury car segment, Southaven auto insurance rates range from the Mercedes-Benz CLA250 costing $1,914 per year up to the BMW M8 at $3,134 per year.

As another example, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $2,086 per year up to the Mercedes-Benz G63 AMG costing $4,000 per year, a difference of $1,914 within that segment.

In the next sections, we will eliminate a lot of this variability by looking at car insurance cost in Southaven for specific cars, trucks, and SUVs.

Cheapest cars to insure in Southaven, MS

The four cheapest cars to insure in Southaven are the Toyota GR Corolla at $1,616 per year, Nissan Leaf at $1,630 per year, Honda Civic at $1,650 per year, and Nissan Sentra at $1,706 per year.

Additional cars that have good average insurance rates are the Kia K5, Chevrolet Malibu, Toyota Prius, and Hyundai Ioniq 6, with average cost of $1,806 per year or less.

Full-coverage auto insurance in Southaven for this segment for a good driver can cost as low as $135 per month, depending on where you live.

When rates are compared by vehicle size, the cheapest non-luxury compact car to insure in Southaven is the Toyota GR Corolla at $1,616 per year. For midsize models, the Hyundai Ioniq 6 is the cheapest model to insure at $1,710 per year. And for full-size cars, the Chrysler 300 has the cheapest rates at $1,766 per year.

The table below ranks the twenty cars with the most affordable average auto insurance rates in Southaven.

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

Don’t see rates for your vehicle? No sweat! 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-rated auto insurance companies in Mississippi.

Cheapest SUV insurance rates in Southaven

The Subaru Crosstrek comes in at #1 as the most budget-friendly non-luxury SUV to insure in Southaven, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,374 per year for a policy with full coverage.

Not the cheapest to insure, but still ranked well, are models like the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Toyota Corolla Cross, with an average cost of $1,524 per year or less.

On a monthly basis, full-coverage car insurance in this segment can cost as low as $115 per month, depending on your location and insurance company.

If ranked by vehicle size, the cheapest non-luxury compact SUV to insure in Southaven is the Subaru Crosstrek at $1,374 per year, or $115 per month. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,482 per year, or $124 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $1,748 per year, or $146 per month.

The comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Southaven.

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

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

Cheapest pickup trucks to insure in Southaven, MS

The Chevrolet Colorado takes the top ranking for the most budget-friendly pickup truck to insure in Southaven, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,592 per year for full-coverage insurance.

Other models that are affordable to insure are the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost of $1,914 per year or less.

Full-coverage insurance for this segment in Southaven for the average driver will start around $133 per month, depending on the company and where you live.

The comparison table below ranks the pickups with the cheapest average car insurance rates in Southaven.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your truck in the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Southaven car insurance quotes from top-rated companies in Mississippi.

Cheapest luxury cars to insure in Southaven

The Acura Integra comes in at #1 as the lowest-cost luxury car model to insure in Southaven, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model costs an average of $1,654 per year for a full-coverage insurance policy.

Additional models that have cheaper rates include the Lexus ES 350, Genesis G70, Cadillac CT4, and Lexus RC 300, with average rates of $1,956 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the Lexus RC 350, Cadillac CT5, Lexus ES 300h, Lexus ES 250, BMW 330e, and BMW 228i average between $1,956 and $2,086 per year for insurance in Southaven.

On a monthly basis, full-coverage auto insurance in Southaven on this segment for a middle-age safe driver can cost as low as $138 per month, depending on the company and your location.

The next table ranks the luxury cars with the most affordable car insurance in Southaven, starting with the Acura Integra at $1,654 per year and ending with the Audi S3 at $2,086 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

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

Cheapest luxury SUV insurance rates in Southaven, Mississippi

The four top-ranked luxury SUV models with the lowest-cost insurance in Southaven are the Acura RDX at $1,554 per year, Lexus NX 250 at $1,648 per year, Cadillac XT4 at $1,682 per year, and Jaguar E-Pace at $1,740 per year.

Some other luxury SUVs that rank well in our comparison include the Lexus UX 250h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lincoln Corsair, with an average cost to insure of $1,794 per year or less.

Some additional luxury SUVs that rank well include the Mercedes-Benz GLA35 AMG, Lexus NX 350, Cadillac XT6, and Infiniti QX60, which average between $1,794 and $1,866 per year for auto insurance.

Full-coverage auto insurance for this segment in Southaven for the average driver starts at around $130 per month, depending on your company and location.

When vehicle size is considered, the lowest-cost compact luxury SUV to insure in Southaven is the Acura RDX at $1,554 per year, or $130 per month. For midsize luxury SUV models, the Jaguar E-Pace is cheapest to insure at $1,740 per year, or $145 per month. And for full-size luxury models, the Infiniti QX80 has the most affordable rates at $2,086 per year, or $174 per month.

The table below ranks the SUVs with the cheapest auto insurance rates in Southaven, starting with the Acura RDX at $1,554 per year ($130 per month) and ending with the Lexus NX 350 at $1,866 per year ($156 per month).

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Southaven car insurance quotes from top-rated companies in Mississippi.

Cheapest sports car insurance rates in Southaven

Ranking at the top for the lowest-cost Southaven car insurance rates in the performance and sports car segment are the Ford Mustang, Subaru WRX, BMW Z4, Toyota GR86, and Mazda MX-5 Miata. Car insurance prices for these 2024 models average $174 or less per month.

Other models that are affordable to insure are the Nissan Z, Subaru BRZ, Lexus RC F, and Toyota GR Supra, with average cost of $2,226 per year or less.

From a cost per month standpoint, auto insurance in this segment for a middle-age safe driver starts at around $144 per month, depending on the company.

The next table ranks the twenty sports cars with the cheapest average auto insurance rates in Southaven, starting with the Mazda MX-5 Miata at $1,724 per year and ending with the Porsche Taycan at $3,150 per year.

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 top-rated companies in Mississippi.

Tips for getting cheaper Southaven car insurance quotes

Southaven drivers should always be thinking of ways to reduce the monthly expense for auto insurance, so read through the tips in the list below to see if you can save a little money on your next policy.

• Avoiding accidents makes for cheaper auto insurance in Southaven. Too frequent at-fault accidents can raise rates, as much as $2,656 per year for a 20-year-old driver and as much as $774 per year for a 40-year-old driver. So drive safe and save money!
• Research discounts to save money. Discounts may be available if the insureds are accident-free, are loyal customers, take a defensive driving course, are good students, or many other discounts which could save the average Southaven driver as much as $314 per year on the cost of auto insurance
• Reduce coverage on older vehicles. Dropping physical damage coverage (comprehensive and collision) from vehicles whose low value makes coverage cost prohibitive can reduce the cost of insurance significantly.
• Choose vehicles that have cheaper insurance. Vehicle performance has a significant impact on the price you pay for car insurance. For example, a Honda CR-V costs $1,890 less per year to insure in Southaven than a Acura NSX. Less performance means less cost.
• Remain claim free. Insurance companies offer discounts if you have no claims on your account. Insurance should be used to protect you from significant claims, not for insignificant claims.
• Get cheaper rates because of your employer. Most car insurance companies offer discounts for being employed in professions like doctors, architects, accountants, engineers, college professors, firefighters, and others. Working in a qualifying occupation could potentially save between $56 and $181 on your insurance premium, depending on the age of the driver.