Best Car Insurance in Olive Branch 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Olive Branch.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 18, 2021Lexus Gx 4603865439Progressive$250/mo.$111/mo.
August 5, 2021Toyota 4Runner SR53865433Progressive$162/mo.$111/mo.
September 9, 2021Mitsubishi Mirage G4 SE3865426National General$232/mo.$127/mo.
April 12, 2021Kia Forte EX3865422Bristol West$230/mo.$138/mo.
June 10, 2021Hyundai Elantra SEL3865424Progressive$311/mo.$156/mo.
Here’s more information about what impacts the insurance rates in your Olive Branch.

How much does car insurance cost in Olive Branch?

Car insurance in Olive Branch, Mississippi costs single-car drivers an average of $2,697 annually, or about $225 per month. Compared to the state annual average of $2,941, auto insurance in Olive Branch is $244 lower higher.
With a population of just over 40,000 residents, Olive Branch is a growing suburb of Memphis. With easy access to the city, Olive Branch offers a more rural feel with plenty of open space. Still, the town has theatres, great restaurants, and plenty of activities to keep locals happy.
Something that won’t bring you peace in Olive Branch? The cost of your car insurance coverage. If you’re unhappy with your insurance bill, it might be time to download Jerry.
Jerry is an insurance brokerage app that takes the stress out of comparison shopping! After a free sign-up that only takes a minute, Jerry gives you dozens of car insurance quotes from top insurance companies to compare. Once you’ve found the right policy at the right price, Jerry will even do your paperwork to start the new policy!
Here’s a rundown of what you need to know about car insurance in Olive Branch.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Olive Branch$3,431$2,317----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Olive BranchNational Average
All Coverage Before Jerry
$3,431$3,223
All Coverage After Jerry
$2,317$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Olive Branch

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
The best insurance provider is heavily dependent on your needs and demographics. That’s why you always want to go comparison shopping—it’s the only way to find where you’ll get the cheapest rates. Plus, different insurance companies offer different discounts and policy options!
Some insurance carriers that are popular with Olive Branch drivers include GEICO, Travelers, and USAA. But the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Olive Branch before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
State Auto$7,932$5,678Compare Prices
Progressive$3,734$799Compare Prices
Travelers$1,920$56Compare Prices
Allstate$1,884$48Compare Prices
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What kind of car insurance you need in Olive Branch

In Olive Branch, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
All drivers in Olive Branch must have the Mississippi state insurance minimum. This is the least amount of insurance a driver can have and still legally be on the road if their car is registered in Mississippi.
All Mississippi drivers need at least:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While liability insurance is useful for paying for damages you cause and avoiding lawsuits, it will never protect your own ride.
Want your car to be fully protected in Olive Branch? Consider these recommended coverage types:
FactorRecommended coverageDescription
TrafficCollision insuranceWith Memphis close by, Olive Branch deals with some of the city’s traffic. To protect yourself from collision damage, add collision coverage to your policy.
Crime rateComprehensive coverageWith a property crime rate above the national average, you’ll want to keep your car covered for theft and vandalism with comprehensive insurance.
Uninsured motoristsUninsured motorist coverageIf you’re hit by a driver without insurance, you may be stuck with the repair bill, unless you’ve got uninsured motorist coverage.
Road tripRoadside assistanceGetting ready for an epic drive? Roadside assistance will help you out with tows, jumpstarts, and more.

What determines your car insurance cost in Olive Branch

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Olive Branch, you could be paying as much as $222 more per month than an adult driver. These are average rates for Jerry customers in Olive Branch broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$7,932$5,304
21-24$3,897$929
25-34$2,433$815
35-44$2,847$447
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Olive Branch with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,763$1,539
Speeding over 15$2,760$1,026
Speeding under 15$2,904$120
Other$3,000$534
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Where in Olive Branch you live

It may seem like insurance rates in Olive Branch should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Olive Branch, residents of -- will have the most expensive car insurance rates, while people who live in 38654 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Olive Branch:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 18, 202138654Lexus Gx 460MS39Progressive$250/mo.$111/mo.
August 5, 202138654Toyota 4Runner SR5MS33Progressive$162/mo.$111/mo.
September 9, 202138654Mitsubishi Mirage G4 SEMS26National General$232/mo.$127/mo.
April 12, 202138654Kia Forte EXMS22Bristol West$230/mo.$138/mo.
June 10, 202138654Hyundai Elantra SELMS24Progressive$311/mo.$156/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Olive Branch so expensive?

A variety of considerations determine baseline car insurance rates in Olive Branch. Insurance companies often consider the following:
Olive Branch drivers might blanch at their insurance bills. Check out a few reasons why insurance in Olive Branch is expensive.

Property crime

With a property crime rate above the national average, insurance companies know locals are more likely to be victims of property crime. With this increased chance of a comprehensive insurance claim, insurers will raise their prices.

Proximity to a metropolitan

The city of Memphis is close to Olive Branch and has to deal with Memphis traffic. This leads to a higher chance of collisions.
With this increased risk, insurance prices go up.

Extreme weather

With a moderate risk of tornados and frequent storms, Olive Branch drivers can be affected by extreme weather.
Whether this means a higher likelihood of a collision due to worsened road conditions or a comprehensive insurance claim from weather damage, insurance providers will increase their prices to combat this risk.

How can you save money on car insurance in Olive Branch?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Insurance discounts are crucial for drivers hoping to lower their insurance bills.
Reach out to your insurer and see if you qualify for any of these common insurance discounts:
DiscountDescription
BundlingUsing one insurance provider for multiple types of insurance can get you a discount across all your policies.
Driving classDefensive driving courses can lead to discounts.
High GPAStudents in high school or college can earn a lower insurance premium with good grades.
Responsible payingConsistently pay your bill on time to save money.
Going greenDriving an electric car or hybrid will get you a discounted rate.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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