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Jerry Data & Research
Cheapest car insurance in Heidelberg, Mississippi (Nov 2024)
Cheapest car insurance in Heidelberg, Mississippi (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Heidelberg, Mississippi.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Heidelberg
- Best Car Insurance Companies in Heidelberg
- Best cheap car insurance quotes in Heidelberg
- Car insurance quotes in Heidelberg by rating factors
- How do different factors impact your car insurance costs in Heidelberg?
- Cheap car insurance quotes in Heidelberg by age
- Cheap car insurance quotes in Heidelberg based on insurance history
- Cheap car insurance quotes in Heidelberg for popular cars
- How to lower car insurance costs in Heidelberg
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Heidelberg
On average,
auto insurance
in Heidelberg costs about $89 per month for minimum coverage liability insurance and about $220 per month for full coverage insurance. Heidelberg drivers pay 4% less than the Mississippi
average. With hundreds of car insurance companies operating in Mississippi, it can be overwhelming to consider all your coverage options. Then, there’s the fact that every insurance company calculates its rates a little differently—making car insurance quotes as uniquely customized as individual drivers.
So how do you find the best cheap car insurance?
Comparing quotes from multiple insurance providers
is the most efficient way—and using Jerry can simplify the process even further. A trusted companion for insurance shoppers everywhere, Jerry Insurance Agency can collect quotes on your behalf, making shopping for car insurance
in Heidelberg easier than ever. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $101 | Bettie, 26 Zip: 39439 | Suzuki Aerio SX | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $195 | Martha, 27 Zip: 39439 | KIA Soul | • State Minimum Liability • Comp / Collision |
Clearcover | $87 | Josephine, 49 Zip: 39439 | Dodge RAM 1500 | • State Minimum Liability |
| Bristol West | $384 | Travis, 28 Zip: 39439 | Toyota Camry SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Best Car Insurance Companies in Heidelberg
Finding an insurance provider that offers the coverage you need at a price you can afford isn’t always easy.
That’s why Jerry conducted the nation’s most extensive insurance shopping survey—we wanted to determine which company offers the lowest rates in Mississippi.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers—and the results were clear: There is (unfortunately) no singular “cheapest” insurance company that can offer universally low rates to everyone.
For example, even though
Travelers
is consistently considered one of the cheapest insurers in the country, Mississippi drivers only rated it a 4/5 when it came to policy costs.Mississippi drivers gave these insurers high ratings for their policy costs:
Explore feedback from drivers in Heidelberg regarding these insurers and others.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.5 | N/A | 4.8 |
| Bristol West | 4.6 | 4.4 | N/A | 4.8 |
| Progressive | 4.3 | 4 | 3.5 | 4.4 |
| Geico | 4.2 | 4 | 3.8 | 4.3 |
| State Farm | 4 | 3.3 | 3.8 | 4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Jerry's free
insurance comparison app
simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.Best cheap car insurance quotes in Heidelberg
In Mississippi, drivers must meet the state's
minimum car insurance requirements
to take to the roads. However, whether or not you opt for additional coverage is up to you—although a full-coverage policy can offer greater protection to you and your vehicle. Cheap minimum liability insurance quotes in Heidelberg
The minimum essential coverage required by all Mississippi drivers includes:
- $50,000 of bodily injury liability per accident
These coverages are commonly expressed more simply as 25/50/25. With Jerry's assistance, car owners in Heidelberg have obtained the necessary minimum liability coverage at a lower cost.
David (45 years old)
$160
per month
Clearcover
Josephine (49 years old)
$87
per month
Do you need more than minimum coverage in Heidelberg?
If you find yourself at fault in a serious accident, the state's minimum coverage may not be sufficient to cover the costs of medical expenses or property damage to other drivers.
Once your insurance limits have been reached, your provider won’t contribute further support for accident-related expenses—which means you could be stuck paying out-of-pocket to cover any remaining costs.
Moreover, basic liability insurance won’t extend any type of coverage to your own medical costs or vehicle repairs.
That’s why it’s recommended to purchase higher amounts of coverage and add-on coverages like
comprehensive
and collision coverage
to ensure adequate protection for yourself and other drivers. Cheap full coverage car insurance quotes in Heidelberg
A
full-coverage car insurance policy
is the best choice to safeguard yourself from expenses associated with vehicle repairs or replacements.Full coverage policies typically include comprehensive and collision coverage and your state’s insurance minimums.
- Comprehensive coverage handles the cost of non-collision incidents—like theft or vandalism
- Collision coverage covers repairs to your vehicle after an accident
If you lease or finance your vehicle, your lender may even require you to carry these additional coverages for the duration of your loan.
Although a full-coverage premium may cost more upfront, the extra peace of mind may be worth the additional cost. Jerry’s agents have assisted customers in finding the most affordable full-coverage policies.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $101 | Bettie, 26 Zip: 39439 | Suzuki Aerio SX |
• State Minimum Liability • Comp / Collision | Safeco | $195 | Martha, 27 Zip: 39439 | KIA Soul |
• State Minimum Liability • Comp / Collision | Bristol West | $384 | Travis, 28 Zip: 39439 | Toyota Camry SE |
Last Updated Nov 18, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Heidelberg
Jerry's experience with Heidelberg policyholders shows that the average cost of minimum liability insurance is around $89 per month, or $1,068 per year. On the other hand, full coverage insurance costs an average of approximately $2,640 per year, or around $220 per month.
While averages can generally estimate your insurance costs, remember that each driver's premium is calculated based on individual factors such as demographics, driving history, eligibility for discounts, and other variables.
Car insurance quotes in Heidelberg by rating factors
Car insurance companies consider several rating factors when
calculating your insurance premium
. Rating factors are based on risk-related characteristics and can include:- Your driving record and claims history: Drivers with a history of accidents or violations often face higher premiums.
- Your demographics: Age, gender, and marital status can impact the cost of your insurance.
- Your location: City dwellers often face higher premiums due to elevated crime rates and higher population density.
- Your mileage: A higher annual mileage can lead to increased insurance costs.
- The make and model of your car: Luxury and high-performance vehicles typically have higher rates for collision and comprehensive coverage.
- Your credit score: Good credit scores are typically associated with lower insurance rates, even for identical coverage.
How much emphasis an insurer places on these factors when calculating your insurance premium varies between carriers, so it pays to shop around and find the best rate for your driving profile.
How do different factors impact your car insurance costs in Heidelberg?
How do different factors impact your car insurance costs in Heidelberg?
Allowed (with applicable limitations): Gender, age, driving experience, education, occupation, employment status, marital status, address, ZIP code, residential status, and marital status.
Prohibited (or effectively prohibited): There are currently no prohibited rating factors for Mississippi drivers seeking car insurance.
Learn more abut the car insurance rating factors in Heidelberg:
Cheap car insurance quotes in Heidelberg after driving violations
Your Mississippi driving record is among the biggest rating factors influencing car insurance costs. If insurance companies find a record of violations, they consider you a higher risk to insure—which can mean increased insurance costs.
Some of the most common traffic violations that can affect your insurance premium are:
Cheapest car insurance in Heidelberg after speeding ticket
Even a minor speeding violation can increase rates, while multiple infractions can cause your insurance costs to skyrocket. In Heidelberg, your premium can increase by as much as 23% following one speeding ticket.
Jerry has helped Heidelberg drivers with speeding tickets lower their insurance costs:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $62 | Blanche, 38 Zip: 39439 | Pontiac Solstice | • 50,000/100,000 Liability |
Speeding 6-10 | Allstate | $56 | Christopher, 39 Zip: 39439 | Volkswagen Jetta | • 100,000/300,000 Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Heidelberg after DUI
The consequences of a
Mississippi DUI
conviction can extend beyond legal penalties, affecting your ability to obtain affordable car insurance coverage. If you have a DUI offense on your Mississippi driving record, you may find that rates vary significantly between auto insurance companies, so comparing quotes is necessary. Through Jerry's expertise and extensive network of insurance providers, many Heidelberg drivers have secured affordable auto insurance rates even after a DUI offense.
Cheapest car insurance in Heidelberg after an at-fault accident
Similar to your driving record, your accident history can substantially impact your car insurance costs.
Insurance companies will consider your history of at-fault accidents to gauge your level of risk—and recent at-fault incidents can lead to significant rate hikes.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $256 | Duane, 27 Zip: 39439 | Toyota Camry SE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $195 | Jason, 26 Zip: 39439 | KIA Soul | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Heidelberg after other driving violations
In addition to speeding tickets and DUIs, different types of driving violations that can lead to higher car insurance expenses in Heidelberg, Mississippi.
Jerry has assisted drivers in reducing their car insurance costs after various driving violations.
Last Updated Nov 21, 2024Cheap car insurance quotes in Heidelberg by age
Teen drivers in Heidelberg pay more than any other age group in the state for car insurance coverage, although drivers over 70 may also notice their rates increasing.
Cheapest car insurance in Heidelberg for young drivers
Insurance rates for new drivers
are some of the highest in Heidelberg—and Mississippi as a whole—due to limited driving history and heightened risk of collisions. You may notice rates are lower when a teen still has their
Mississippi learner’s permit
—this reflects that new drivers are operating a vehicle under supervision while they have their permit. Still, new drivers’ rates will increase once permitted to drive unsupervised. The good news is that these steep rates tend to drop off as drivers reach the age of 25.
For drivers new to the road, a full coverage policy is the safest way to send them off. Jerry can assist teenage drivers in Heidelberg to find the cheapest option for full-coverage policies.
Cheapest car insurance in Heidelberg for senior drivers
Like teenage drivers, insurance agencies also perceive senior drivers as a higher risk.
This is because senior drivers are more prone to car accidents than other age groups, which often result in more severe injuries and higher medical expenses. As a result,
insurance for senior drivers
tends to be higher than the national average.
Cheap car insurance quotes in Heidelberg based on insurance history
A history of claims can mark you as high-risk to insurance providers—and so can your insurance history.
How long you have been insured and whether or not you’ve had any
lapses in coverage
are important indicators to insurance companies about the type of customer you’re likely to be. That’s why drivers with a limited insurance history or a past lapse in coverage usually face higher costs for car insurance. At Jerry, we recognize the importance of timely insurance payments and avoiding coverage gaps. That's why we offer payment reminders to eligible customers, ensuring you stay on top of your insurance responsibilities and maintain uninterrupted coverage.
We have assisted many Heidelberg customers without current insurance or past coverage lapses to find savings on a new policy.
Gregory (26 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Heidelberg, MS (Zip Code: 39439)
Suzuki Aerio SX$101
per month
Leroy (27 years old)
$384
per month
Clearcover
Noah (48 years old)
$87
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Super great, literally the cheapest insurance I've ever had in my entire life.
Tyler
Used Jerry to swap from my former car insurance company to Travelers & was pleased to be able to add renter's as well. As an added bonus, their customer service has been Great!
Kristina
The cheapest I have found
Amy
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
Cheap car insurance quotes in Heidelberg for popular cars
Your vehicle's make and model can impact your car insurance premium.
While insurance companies don’t actually care about the color of your car, they do consider factors such as associated repair costs, the risk of theft, and the overall safety record of the vehicle when determining your rates.
Some of the most popular car models among Heidelberg drivers include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry SE | Progressive | $256 | Mattie, 27 Zip: 39439 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Heidelberg for new vs. old car
Insuring a new vehicle is typically more expensive than an older car. Based on our findings, the average liability insurance cost for a vehicle over ten years old is $216 per month in Heidelberg, Mississippi, while the average liability coverage cost for a car less than four years old is $216 per month.
Whether you’re riding in an old or new car, check out how Jerry helped these Heidelberg drivers save on their car insurance premiums.
Bettie (26 years old)
2005 Suzuki Aerio SX
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Heidelberg, MS (Zip Code: 39439)
$101
per month
Clearcover
Josephine (49 years old)
$87
per month
Brandon (45 years old)
$177
per month
How to lower car insurance costs in Heidelberg
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to shop for car insurance quotes with at least three different providers every six months.
If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Heidelberg that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:- Good driver discounts: You're due for some savings if you've held aclean driving recordfor at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if you bundle your home and auto insurance products from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
FAQ
What is the minimum car insurance required in Heidelberg, Mississippi?
The minimum car insurance coverage required by all Heidelberg, Mississippi drivers includes:
- $50,000 of bodily injury liability per accident
These coverages are commonly expressed more simply as 25/50/25.
What is the best car insurance in Heidelberg?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Travelers, and Safeco
receive good ratings from Heidelberg drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
How much is car insurance in Heidelberg?
People living in Heidelberg pay on average $78 per month – or $936 per year – on state-minimum liability coverage. Full coverage in Heidelberg costs on average $146 per month of $1,752 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Heidelberg ?
Based on thousands of Heidelberg drivers Jerry has worked with, car insurance in Heidelberg costs an average of $78 per month for state-minimum coverage and $146 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.