New Albany Car Insurance

(And how to make sure you're getting a good deal)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.


If you call the booming city of New Albany your home, there's no shortage of history and charm. This vibrant town is nestled in the rolling hills of MS and is full of 8,757 friendly residents.

You're liable to take a drive through the main streets, and for that, you'll want to be protected. A local independent insurance agent can be found on to help with your car insurance needs. 

New Albany, MS, Car Insurance Requirements

If you're a driver in New Albany, MS, there are some requirements to use the roads. Most states mandate insurance coverage in some form or fashion, and Mississippi is no different. Let's see what car insurance requirements New Albany, MS, has:

  • A minimum per person liability limit of $25,000
  • A minimum per accident liability limit of $50,000
  • A minimum $25,000 in property damage liability

The minimum required limits are usually not enough coverage and barely get you by. The MS standard limits are the lowest you can get when it comes to car insurance. Discuss more protection with your local independent agent. 

What Other Car Insurance Coverage Do I Need in New Albany, MS?

Car insurance is relative to each person. It all depends on the vehicles and people you are insuring. Customized car insurance is what you need to be adequately protected. Some other coverage options that you can discuss with your agent are:

  • Towing insurance: This pays for a tow service.
  • Rental car insurance: This pays for a rental car in the event of a loss.
  • Gap insurance: This pays the difference between the value of an auto and the loan amount left when a total loss occurs.
  • Comprehensive insurance: This pays for property damage to your vehicle when it's not a collision loss.
  • Collision insurance: This pays for property damage to another person's auto or property when a collision loss occurs.
  • Medical payments insurance: This pays for a smaller medical expense from a claim without using your liability limit.

Your independent agent can go over which of the above coverages apply to your car insurance needs. If you lack these coverage options, then it may be time to reevaluate your insurance and speak with a New Albany licensed advisor. 

What about Uninsured Drivers in New Albany, MS?

If you are on the road, there is a percentage of drivers that have zero insurance. It's a fact of everyday life and an added exposure to driving a motor vehicle. 

Percentage of Uninsured Drivers:

  • National average: 13.0%
  • Mississippi average: 23.7%

New Albany, by default, will share some of that 23.7% uninsured drivers. To better protect your family, get uninsured/underinsured motorists coverage or UM/UIM. This will fill in the gap of coverage that other people lack and ensure you have the protection you need when an accident occurs.  


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Do Vehicle Break-ins Affect Your New Albany, MS, Car Insurance?

Crime rates, in general, will affect your insurance premiums. The more vehicle thefts that occur in an area, the higher your insurance rates will be. Fortunately, New Albany has a very low theft rate compared to the national and state averages. 

  • National theft rate: 2.37
  • Missississippi theft rate: 1.45
  • New Albany theft rage: 0.56

The New Albany theft rate speaks volumes on how involved and tight-knit this historic community is. Discuss car insurance premiums with your local agent and start saving. 

What Does Car Insurance Cost in New Albany, MS?

Each state and individual has a different car insurance rate. That is because the carriers look at every person, vehicle, and location separately. While outside factors help decide premiums, it's much more individualized than you may know. 

Car Insurance Premium Rating Factors:

  • Crime rate 
  • Insurance score and credit score
  • Your age
  • The coverage selected
  • The vehicle and driver insured
  • The motor vehicle records of each driver
  • The value of each vehicle
  • Your address

The cost of car insurance in New Albany will be close to the national and state averages. However, your rate can be very different from these averages because there are so many individualized factors. Let's look at the numbers:

  • Average national car insurance rate: $1,005
  • Average Mississippi car insurance rate: $1,684

Talk with your New Albany agent to run tailored insurance quotes specific to your vehicle and personal data. A trusted advisor can save you time and money by comparison shopping for you. 

Should You Drive for Uber or Lyft in New Albany, MS?

The need for an Uber or Lyft in a small town is probably slim, however, if you're looking to make a side hustle, you need to understand coverage. Your personal auto policy will not provide insurance for livery for hire services. Uber or Lyft is considered a livery service. 

If you are delivering goods, packages, or people from one place to another, you have a business. You'll likely want to discuss a business auto policy with your independent agent to ensure your exposure is covered. 

When you have the liability of a paying passenger in your vehicle, it changes the way your policy responds. In this case, your personal policy would not have coverage, leaving you to pay losses on your own. 

Match with a Local Independent Agent in New Albany, MS

A local independent insurance agent could be just what you need to find the most competitive car insurance in New Albany. If you work with an independent agent, it's free and saves you money. 

They can shop all the carriers that provide the coverage you want in your area, so you don't have to. Go on and match with an independent agent who's right for you today. 

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City of New Albany