Car Insurance in Pearl

Protect yourself and your car by getting the best car insurance in Pearl at the most affordable rates. 
Compare, shop and customize quotes from top-rated insurance carriers.

Preserve Your Financial Security With Car Insurance

Pearl, Mississippi, has excellent access to major highways, including US Highways 49 and 80 and Interstates 20 and 55. This makes it easy to get where you need to go throughout the state and beyond. The nearby Jackson-Evers International Airport in Jackson gives residents access to destinations across the country. 

Pearl has a limited public transportation network. Central Mississippi Regional Transit Authority provides local bus service, paratransit services and express bus routes between Jackson and Pearl. Taxis are also available. 

According to the US Census Bureau. Pearl has a population of just over 27,000 people. Almost three-quarters of these people work, and according to Data USA. 83.6% of these are lone commuters with 7.88% carpooling. With around 14,000 Pearl residents in the workforce, city roadways see around 12,000 commuter cars daily, spending an average of 23.2 minutes per trip. Full coverage car insurance can help Pearl drivers stay protected no matter what traffic conditions they face. 

Average Rates for Car Insurance in Pearl

At $1.900 per year, you can expect to pay slightly more for a full-coverage auto policy than the state average but less than the national average if you live in Pearl.  

Pearl's proximity to Jackson, the capital of Mississippi and the largest city in the state, and its congested roads contribute to higher rates. However, your unique underwriting criteria will also affect the amount you pay for insurance. You can use VIU by HUB to compare rates and see which companies will offer you the best rates for car insurance in Pearl. 

Factors Affecting Rates

There are a lot of factors that will impact the rates you end up paying. Those are things like your policy type, driving record and marital status. Additional factors include:

  • Driving Record: People with clean driving records usually see the lowest rates because they are the least likely to make claims. Any tickets or accidents can cause your rate to increase. DUIs are among the most serious infractions and will almost certainly cause a significant increase in how much you pay for car insurance in Pearl, MS. 
  • Credit Score: People with lower credit tend to file more claims, making them higher-risk drivers. Improving your credit score can help you greatly reduce the amount you pay for insurance. 
  • Gender: Women tend to pay less for insurance in Pearl than men do. 
  • Age: Teens are the riskiest to insure, so they usually pay the most for insurance. Once drivers hit 20, their rates usually start to go down until they turn 25, when they level off for several decades. Drivers over 70 may start to see rate increases again. 

Young Drivers and Insurance

State laws in Mississippi demand that drivers who are 16 or 17 must be on their parents' insurance policy. At 18, drivers can purchase their insurance. However, staying on their parents' insurance as long as possible is often cheaper. As long as teens keep their records clean, their rates will decline as they age. 

Getting good car insurance in Pearl is important, but taking the time to compare options can be frustrating. However, if you provide your information to VIU by HUB you will quickly get back several quotes from competing companies. That makes it easy to compare options and make the best choice for your financial security.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

Data USA

City Data

Mississippi Department of Transportation

Mississippi Insurance Department

Auto insurance in Mississippi by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.