Cheap Car Insurance in Biloxi, MS

Biloxi is one of the state’s most charming cities in Harrison County. Situated along the Gulf of Mexico, it boasts miles and miles of beautiful white sand beaches and a strong maritime tradition, home to the Maritime and Seafood Industry Museum with exciting exhibits on boat building and seafood management.

Some of Biloxi’s most popular attractions include the Biloxi lighthouse, Beau Rivage Resort & Casino, and (most importantly) majestic views of the Gulf Coast in all of its glory.

All Biloxi drivers must carry an auto insurance policy to drive legally in Mississippi. Failure to provide proof of insurance at a traffic stop will result in a suspended driver’s license registration, fines, and administrative headaches. Keep reading to learn more about car insurance in Mississippi, including the types of rates you can expect by ZIP code, available discounts, and a word on the region’s road and traffic infrastructure.

Biloxi drivers pay an average monthly premium of $140 a month for full coverage, which is a little below the state average of $148 and the national average of $148. For the state-required minimum liability, it costs drivers on average $40 a month, almost the same as the state at $41 and lower than the national average of $47.

Reasons Why Insurance is So Expensive in Mississippi

Unfortunately, Mississippi is one of the more expensive states in the country to obtain auto insurance.

For starters, the state has a high number of uninsured drivers. According to the Insurance Information Institute, roughly 29.4% of all drivers are uninsured, or approximately one in three. Secondly, Mississippi has a high fatality rate. With both of these stats, it’s no surprise why Mississippi auto insurance is so expensive.

The state plays host to damaging weather events some years with hurricanes and flooding, which increases insurance costs.

Another reason insurance is so expensive in Mississippi is high crime rates. Compared to the national average, the risk of theft, vandalism, and other risky behaviors are much higher, increasing insurance rates for home and vehicle owners throughout the region.

How Many Fatal Accidents Happen in Biloxi?

In 2020, Biloxi had 11 fatal traffic accidents, resulting in 12 fatalities involving 22 people and three pedestrians.

How Are the Road Infrastructure and Bridges in Biloxi?

Biloxi has an active Department of Public Works that works on all aspects of city infrastructure, including but not limited to streets/drainage systems, bridge maintenance, and general infrastructure repair. Past projects included Main Street railroad crossing upgrades, Bayview Waterfront restoration, and Cedar Lake Bridge repairs.

To take advantage of the maximum savings possible on your auto insurance policy, it is important to qualify for and be eligible for discounts.

Many popular discount programs allow you to save as much as 30% off your premium, including “Good Driver” discounts, low mileage discounts, and multi-vehicle/multi-policy discounts.

Good driver discounts are awarded to drivers who have maintained clean driving records for three to five years. Some companies may require that you hit closer to the three-year mark, while others prefer that you hit closer to the five-year mark. Regardless, this discount is awarded because insurers see you as less of a risk for future claims payouts.

Low mileage discounts are also typically awarded to drivers who drive less than 7,500 miles a year. Auto insurance companies may also create tiered discount programs offering drivers with less than 7,500 miles a higher percentage discount than drivers between 7,500 and 10,000 miles.

Here are other types of discounts that you may qualify for:

Be sure to stay in touch with your auto insurance company. It is a good idea to call them every six months to see if you qualify for any new discounts. Also, remember to call as your life circumstances change. For example, if you have recently purchased a new home, you may be able to bundle auto and homeowner’s insurance.