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Cheapest car insurance in Waveland, Mississippi (Jun 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Waveland, Mississippi.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

Cheapest car insurance quotes in Waveland

Waveland,
Mississippi
drivers can usually find
car insurance
quotes starting as low as $78 per month for liability coverage and $146 per month for full coverage. But as any driver in the Magnolia State knows, rates are constantly on the rise—which is why knowing how to compare quotes is more important for finding an affordable rate now than ever.
The best way to compare dozens of car insurance quotes free and fast is with Jerry. Just download the app and answer a few simple questions to establish your driver profile, then sit back while Jerry pulls real quotes tailored just for you in under two minutes.
app screenshot
Drivers save an average of $600/year on car insurance just by shopping in the
Jerry
app.
Same-day purchase options and smart digital policy management round out Jerry’s suite of user-friendly insurance tools.
Take a look at the table below to see real quotes drivers in Waveland found by shopping with Jerry.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$154
Hettie, 29
Zip: 39576
Fiat 500 Lounge
• State Minimum Liability
• Comp / Collision
National General
$61
Lillie, 60
Zip: 39576
Hyundai Accent GLS
• State Minimum Liability
Gainsco
$192
Logan, 37
Zip: 39576
Honda Accord LX
• State Minimum Liability
• Comp / Collision
Bristol West
$137
Sarah, 42
Zip: 39576
Nissan Armada Platinum
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 17, 2024

Best car insurance companies in Waveland

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 Waveland regarding these insurers and others.
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Waveland

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 Waveland

The minimum essential coverage required by all Mississippi drivers includes: 
These coverages are commonly expressed more simply as 25/50/25. With Jerry's assistance, car owners in Waveland have obtained the necessary minimum liability coverage at a lower cost.
card cover
Hettie (29 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
carFiat 500 Lounge
$154
per month
card cover
Gainsco
Logan (37 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$192
per month
card cover
Lillie (60 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$61
per month
card cover
Sarah (42 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
carNissan Armada Platinum
$137
per month

Do you need more than minimum coverage in Waveland?

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 Waveland

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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$154
Hettie, 29
Zip: 39576
Fiat 500 Lounge
• 50,000/100,000 Liability
• Comp / Collision
National General
$210
Erik, 40
Zip: 39576
Ford Explorer XLT
• State Minimum Liability
• Comp / Collision
Bristol West
$137
Sarah, 42
Zip: 39576
Nissan Armada Platinum
• State Minimum Liability
• Comp / Collision
Gainsco
$192
Lulu, 37
Zip: 39576
Honda Accord LX
coverageLast Updated Jun 17, 2024
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Average cost of car insurance in Waveland

Jerry's experience with Waveland policyholders shows that the average cost of minimum liability insurance is around $78 per month, or $936 per year. On the other hand, full coverage insurance costs an average of approximately $1,752 per year, or around $146 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 Waveland 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 Waveland?

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Allowed (with applicable limitations): Gender, age, driving experience, education, occupation, employment status, marital status, address, ZIP code, residential status, and marital status.
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Prohibited (or effectively prohibited): There are currently no prohibited rating factors for Mississippi drivers seeking car insurance.
Learn more about the car insurance rating factors in Waveland:

Cheap car insurance quotes in Waveland 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 Waveland after speeding ticket

Even a minor speeding violation can increase rates, while multiple infractions can cause your insurance costs to skyrocket. In Waveland, your premium can increase by as much as 23% following one speeding ticket.
Jerry has helped Waveland drivers with speeding tickets lower their insurance costs: 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$80
Ina, 33
Zip: 39576
Lexus GX
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Safeco
$62
Herman, 32
Zip: 39576
Land Rover Discovery
• 50,000/100,000 Liability
coverageLast Updated Jun 11, 2024

Cheapest car insurance in Waveland 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 Waveland drivers have secured affordable auto insurance rates even after a DUI offense.
card cover
Gainsco
Lulu (37 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$192
per month

Cheapest car insurance in Waveland 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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$154
Russell, 29
Zip: 39576
Fiat 500 Lounge
• State Minimum Liability
• Comp / Collision
Not At Fault
Gainsco
$192
Jonathan, 37
Zip: 39576
Honda Accord LX
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
National General
$210
Luke, 40
Zip: 39576
Ford Explorer XLT
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 12, 2024

Cheapest car insurance in Waveland 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 Waveland, Mississippi. 
Jerry has assisted drivers in reducing their car insurance costs after various driving violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
National General
$135
Ann, 23
Zip: 39576
Jeep Grand Cherokee Laredo
• State Minimum Liability
Failure to Obey Signal
Bristol West
$121
Bertha, 23
Zip: 39576
Jeep Grand Cherokee Laredo
• State Minimum Liability
coverageLast Updated Jun 17, 2024

Cheap car insurance quotes in Waveland by age

Teen drivers in Waveland 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 Waveland for young drivers

Insurance rates for new drivers
are some of the highest in Waveland—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 Waveland to find the cheapest option for full-coverage policies.
card cover
Jay (22 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
carFord Fusion SEL
$122
per month
card cover
Ralph (23 years old)
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
carJeep Grand Cherokee Laredo
$135
per month

Cheapest car insurance in Waveland 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.
card cover
Curtis (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWaveland, MS
(Zip Code: 39576)
$43
per month
card cover
Max (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationWaveland, MS
(Zip Code: 39576)
$64
per month

Cheap car insurance quotes in Waveland 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 Waveland customers without current insurance or past coverage lapses to find savings on a new policy.
card cover
Gabriel (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
carFiat 500 Lounge
$154
per month
card cover
Gainsco
Inez (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$192
per month
card cover
Lucile (60 years old)
Currently Insured
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$61
per month
card cover
Gainsco
May (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$192
per month
card cover
Myra (60 years old)
Currently Insured
coverageCoverage
State Minimum
locationWaveland, MS
(Zip Code: 39576)
$61
per month

Cheap car insurance quotes in Waveland for drivers with poor credit

Bad credit doesn’t necessarily make you a bad driver—but you could still wind up with higher insurance rates. That’s because insurers have observed a correlation between poor credit scores and more frequent claim filing. 
As a result, having a lower credit score can equate to higher annual premiums. Our data indicate that drivers with poor credit scores (below 550) generally experience approximately 20% higher car insurance rates than those above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Gainsco
$192
Evan, 37
Zip: 39576
Honda Accord LX
• State Minimum Liability
• Comp / Collision
550 - 659
National General
$61
Sean, 60
Zip: 39576
Hyundai Accent GLS
• State Minimum Liability
coverageLast Updated Jun 17, 2024

How to lower car insurance costs in Waveland

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 Waveland 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 a
    clean driving record
    for 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

How much is car insurance in Waveland?

People living in Waveland pay on average $78 per month – or $936 per year – on state-minimum liability coverage. Full coverage in Waveland costs on average $146 per month or $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 Waveland?

Based on thousands of Waveland drivers Jerry has worked with, car insurance in Waveland 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!  

What is the best car insurance in Waveland?

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 Waveland 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.

What is the minimum car insurance in Waveland, Mississippi?

The minimum car insurance coverage required by all Waveland, Mississippi drivers includes:
  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per accident
  • $25,000 in property damage liability per accident
These coverages are commonly expressed more simply as 25/50/25.

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

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Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Josh Damico
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Head Of Insurance Operations
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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.