Brandon Car Insurance

Everything You Need to Know About Car Insurance in Brandon, MS

Find the right car insurance policy for you.

Brandon is a small city in Mississippi. While it may not experience heavy traffic to the degree that a larger city might, its location near major highways and its proximity to the capital, Jackson, does increase the number of cars on its roadways – particularly along Interstate 20, Mississippi State roads 18 and 471, and parts of U.S. Route 80. The more cars you share the road with in Brandon, MS, the greater your risk of being involved in a collision. That is why it is to your benefit to carry a suitable Brandon auto insurance policy.

Shopping for reasonably priced coverage does not have to be a difficult or complicated task. Independent insurance agents in our network can help by providing you with a variety of affordable Brandon car insurance policies that are customized to fit your coverage and budgetary needs. Find an agent near you to learn more so you can soon start comparing quotes from a selection of reputable insurers.

  • National average cost per year: $1,311
  • Mississippi average cost per year: $1,514
  • 12th most expensive auto premium in U.S.

Those looking to buy a Brandon car insurance policy may be unhappy to learn that the average cost of car insurance in Mississippi is higher than the national average. Of course, your actual rates can be higher or lower than the numbers shown above because they are calculated based on a number of different considerations. These include but are not limited to the following:

  • Your ZIP code and where you park your car
  • The make, model and year of your car and any safety features it may have, as indicated by the VIN number
  • Your personal driving record and claims history
  • The age, sex and marital status of the drivers in your household
  • The amount of liability coverage you are purchasing
  • The amount of your deductible
  • Your credit score

Because so many different factors are taken into account when determining your Brandon auto insurance rates, comparison shopping can help you find the best price for your policy.

Mississippi Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25: Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

Mississippi’s minimum requirements are meant to protect your finances in the event of a car accident. These amounts may be high enough to provide the coverage you need in a typical accident; however, if you carry only the minimum coverage and are responsible for a major collision that results in significant injuries, you could be liable for damages that greatly exceed your policy’s coverage limits. 

For that reason, it might be a good idea to purchase higher coverage limits, particularly if you have assets like a house or savings that you want to protect. An agent can help you determine how much coverage to buy by presenting you with quotes for different levels of coverage. Failure to carry insurance that meets or exceeds Mississippi’s state-mandated requirements can result in fines of $1,000 as well as the suspension of your driver’s license for one year.

Number of Uninsured Motorists in Mississippi

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Mississippi drivers: 22.9%

Although the penalties for driving without insurance in this state are rather severe, Mississippi has the third-highest rate of uninsured drivers in the United States. Because one in five drivers lack insurance coverage in this state, you are at an increased risk while driving. This is because if you are injured or suffer property damage in a collision that is caused by an uninsured driver, that driver is responsible for covering your cost – and it may be difficult or impossible to collect this compensation if the offending driver simply doesn’t have the assets to cover it.

That is why you want to be sure that you include uninsured motorist coverage with your Brandon car insurance. If you have this optional coverage, your insurance company compensates you for your losses immediately after the collision and then tries to collect from the uninsured driver on its own behalf. Uninsured motorist insurance also covers you against damage caused by accidents with hit-and-run drivers.

Number of Auto Thefts in Mississippi

  • National number of thefts per 1,000 vehicles: 2.94
  • Mississippi number of thefts per 1,000 vehicles: 2.14

The rate of car theft in Mississippi is lower than the national average; and in Brandon, it is even lower. In recent years, there were only 14 car thefts reported in this city. That equates to about 0.63 thefts per 1,000 vehicles – less than one quarter the national rate. Of course, this does not mean that you are immune to being a victim of car theft. By supplementing your Brandon car insurance policy with comprehensive, or “other than collision,” insurance, you can receive compensation in the event that your car is stolen. The insurance also provides coverage if your car is damaged in other ways while not being driven, such as by a flood, fire, falling object or vandalism.

Find a Great Brandon Car Insurance Policy

Nobody should pay more than is necessary for car insurance. However, if you purchased a policy without first taking the time to get quotes from any competing insurance companies, chances are you good that you are doing just that. That is why well-informed vehicle owners in Brandon turn to independent agents in our network for help when they are shopping for suitable and competitively priced car insurance policies.

Our agents make comparison shopping easy because they do the rate-inquiry legwork for you. Because they are independent of insurance providers, they can work with a variety of reliable insurance companies to provide you with a selection of customized Brandon auto insurance quotes that you can compare. 

Find an agent with an office near you to learn more about your Brandon car insurance options.

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