Gulfport Car Insurance

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

Find the right car insurance policy for you.

There are a lot of drivers on the roadways in and around Gulfport, Mississippi. Many of them are tourists or out-of-towners who may not be familiar with the roadways, and some are aggressive drivers who make reckless decisions, particularly after leaving the casinos. As a vehicle owner, you are at risk of financial damages if you are involved in a collision. A solid Gulfport, MS auto insurance policy can protect your finances by providing coverage against a number of hazards you may face.

Car insurance is required of vehicle owners in Gulfport, but overpaying for it is not. Independent insurance agents in our network can help you find a selection of affordable Gulfport 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 variety of reputable insurers.

  • National average cost per year: $1,311
  • Mississippi average cost per year: $1,584
  • 12th most expensive auto premium in the U.S.

Unfortunately for those looking to buy a Gulfport car insurance policy, the average cost of car insurance in Mississippi is higher than the national average. Of course, your particular rates may 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 location, or ZIP code
  • Your car's make, model and year
  • Your personal driving record and claims history
  • Your age, sex, and marital status as well as that of other drivers in your household
  • Your credit score
  • Your desired coverage amount
  • Your desired deductible

Because so many different factors are taken into account when determining your Gulfport 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 reliability: 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

Failure to carry insurance that meets these requirements can result in fines of $1,000 as well as the suspension of your driver’s license for one year. Simply put, foregoing car insurance coverage is not worth the risk. These state-mandated minimums are meant to protect your finances in the event of a car accident. However, if you are responsible for a major collision that results in significant injuries requiring extensive medical care, you could be responsible for damages that greatly exceed these minimum coverage amounts. For that reason, it might be a good idea to purchase coverage that exceeds these mandated requirements. An agent can help you determine how much coverage might be sufficient to adequately protect your assets.

Number of Uninsured Motorists in Mississippi

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Mississippi drivers: 22.90%

Although the penalties for driving without insurance in this state are significant, Mississippi has the third-highest rate of uninsured drivers in the county. With one in five drivers lacking insurance coverage, you are at an increased risk while driving. This is because if you are injured or suffer property damage in a collision caused by an uninsured driver that driver is responsible for covering your cost – and it may be difficult or impossible to collect these funds.

Unless, that is, you have included uninsured motorist coverage with your Gulfport car insurance. In this case, your insurance company will compensate you for your losses and then try to collect from the offending driver on its own behalf. Uninsured motorist insurance also covers you against damage caused by 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 is even lower in Gulfport. In recent years, there were only 125 car thefts reported in this city. That equates to about 1.76 thefts per 1,000 vehicles. These rates are taken into account when calculating your insurance rates. Unfortunately, this does not mean that you are immune to being a victim of car theft. By supplementing your Gulfport car insurance policy with comprehensive, or “other than collision,” insurance, you can receive compensation if your car happens to be stolen. The insurance also provides coverage if your car is damaged while not being driven, such as by a falling tree or a flood.

Find a Great Gulfport Car Insurance Policy

Nobody should pay more than necessary for car insurance. However, if you purchased your coverage without taking the time to get quotes from any other insurance companies, chances are you are doing just that. That is why savvy car owners turn to independent agents in our network for help when they are shopping for suitable and competitively priced policies. Our agents make comparison shopping easy by doing the legwork for you. Because they can work with a variety of reliable insurance companies, they are able to quickly provide you with a selection of Gulfport auto insurance quotes that you can review and compare. 

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

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