Best Car Insurance in Pascagoula 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 Pascagoula.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 7, 2021Hyundai Elantra SEL3958121Progressive$307/mo.$81/mo.
July 28, 2021Hyundai Veloster Turbo3958124Progressive$240/mo.$134/mo.
Here’s more information about what impacts the insurance rates in your Pascagoula.

How much does car insurance cost in Pascagoula?

Car insurance in Pascagoula, Mississippi costs single-car drivers an average of $3,703 annually, or about $309 per month. Compared to the state annual average of $2,941, auto insurance in Pascagoula is $762 higher lower.
Nestled in the corner of the Gulf Coast, Pascagoula offers a host of beachy, coastal activities and scenery. The city also serves as a major industrial hub of the area with a handful of large corporations and factories. It also ranks in Nasdaq’s top 5 cities for families in the Southwest.
Car insurance in Pascagoula is about average for Mississippi, so finding affordable car insurance shouldn’t be too challenging. To make it even easier, try using the Jerry app. Jerry takes car insurance shopping to the next level by comparing rates and coverage options in under a minute.
Here’s what you should know about finding car insurance in Pascagoula.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Pascagoula$3,583$1,651----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
PascagoulaNational Average
All Coverage Before Jerry
$3,583$3,223
All Coverage After Jerry
$1,651$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 Pascagoula

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.
While Pascagoula provides plenty of affordable options for car insurance, be sure to shop around to ensure you’re getting the best possible deal. There are so many great carriers to choose from, so picking the right one won’t be too difficult.
The most popular carriers in Pascagoula include Alfa, Nationwide, Progressive, and State Farm. Your demographics, driving record, and other factors can influence the rates you’re offered, so be sure to find out which carriers offer discounts for your specific needs.
Here’s a glance at the rates from some of the most popular insurance providers in Pascagoula before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$4,512$2,561Compare Prices
Progressive$3,498$1,946Compare Prices
National General$2,100$48Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What kind of car insurance you need in Pascagoula

In Pascagoula, 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.
In Mississippi, drivers must have the following minimum car insurance coverage:
You must provide proof of coverage (either electronic or paper) and vehicle registration if you get pulled over or become involved in a claim.
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:
It may be tempting to buy the bare minimum, but with so many uncertainties, purchasing more comprehensive insurance is always the safest choice. Liability coverage protects others if you cause an accident, but it won’t protect your vehicle.
Here are some additional coverages that Pascagoula drivers should consider:
FactorRecommended coverageDescription
Highway trafficCollision insuranceCollision insurance protects drivers for damage to their car caused by collisions or rollovers, regardless of fault.
Natural disastersComprehensive coverageComprehensive insurance covers you for damage to your car caused by weather events like hurricanes, tornadoes, floods, or hail.
BackroadsRoadside assistanceThis coverage will provide towing, tire changes, locksmith services, battery jumpstarts, and more.
Uninsured driversUninsured/underinsured motorist coverageIf you’re in an accident with an uninsured driver, this covers your property damage, medical bills, and other expenses.

What determines your car insurance cost in Pascagoula

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 Pascagoula, you could be paying as much as $35 more per month than an adult driver. These are average rates for Jerry customers in Pascagoula broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,282$1,852
25-34$3,843$2,089
45-54$1,752$216
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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 Pascagoula with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,583$1,932
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Where in Pascagoula you live

It may seem like insurance rates in Pascagoula 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 Pascagoula, residents of 39567 will have the most expensive car insurance rates, while people who live in 39581 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Pascagoula:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
May 23, 202139581Chevrolet Malibu LSMS30Safeco$86/mo.$52/mo.
September 7, 202139581Hyundai Elantra SELMS21Progressive$307/mo.$81/mo.
July 28, 202139581Hyundai Veloster TurboMS24Progressive$240/mo.$134/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Pascagoula so expensive?

A variety of considerations determine baseline car insurance rates in Pascagoula. Insurance companies often consider the following:
Several factors contribute to the insurance rates in Pascagoula.

More drivers

In states like Mississippi with limited public transportation options, there are more drivers on the road. With more drivers comes more accidents, leading to higher numbers of claims and payouts—and, ultimately, higher insurance rates.

Uninsured drivers

A whopping one-fourth of Mississippi drivers are uninsured. With the increased odds of having an accident with an uninsured driver, insurance companies raise the costs for responsible drivers to make up for the claim expenses.

Severe weather

In the Gulf Coast, events like tropical storms, floods, and tornadoes are becoming more frequent, leading to more expensive—and unpredictable—claims. Companies have to raise their rates to make up for these expenses.

How can you save money on car insurance in Pascagoula?

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

Most insurance companies offer discounts if you meet certain criteria. Here are some of the most common ones from insurance carriers in Pascagoula:
DiscountDescription
Good recordAlmost all insurance companies have some level of discount for having a clean driving record.
Occupation discountsDrivers who work in certain jobs can get a special discounted auto rate.
Driving coursesSome carriers offer discounts for completing their safe driver programs.
Going paperlessOne of the easiest ways to save money is to opt for carriers’ fully digital policy management.
Car safetyDriving a car with safety features—like airbags and anti-theft systems—can earn you discounted premiums.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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