Car Insurance in Tupelo, Mississippi
Estimated full coverage in Tupelo runs about $1,525 a year ($127/month) — ▲ 0% versus the Mississippi average, ranking 9th most expensive of the 9 Mississippi cities we cover.
Why car insurance in Tupelo costs more than the Mississippi average
Insurers price by territory, and Tupelo's numbers explain most of the gap. With 37,775 residents on 64.4 square miles, the city's density (587 people per square mile) is 4.1 times the density where the typical Mississippi resident lives (142). The average commute is 18.0 minutes (Mississippi: 25.6), and 86% of workers drive alone. Together these put our location factor at 1.01× the state baseline for liability and collision, and 0.97× for comprehensive once FEMA weather risk for Lee County is included.
| Factor | Tupelo | Mississippi ref. | Why it matters |
|---|---|---|---|
| Population density | 587 / sq mi | 142 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.0 min | 25.6 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 85.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 6.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 71.8 | 85.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Tupelo
Rates can change from one ZIP code to the next. Across 3 Tupelo ZIP codes, our full-coverage estimate ranges from $1,475 in 38826 to $1,500 in 38801. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 38801 | 29,858 | 409 | 18.0 min | 6.9% | $1,500 | −2% |
| 38804 | 16,693 | 213 | 20.6 min | 7.6% | $1,480 | −3% |
| 38826 | 5,894 | 192 | 20.5 min | 4.4% | $1,475 | −3% |
Minimum car insurance in Tupelo
Tupelo drivers follow Mississippi's rules: at least 25/50/25 liability coverage. Mississippi is at-fault (tort). We estimate state-minimum coverage in Tupelo at $535 a year, and $775 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Mississippi does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in auto policies unless it is rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Mississippi's uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Tupelo premiums
Accidents
Mississippi recorded 753 traffic deaths, or 1.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Mississippi's vehicle theft rate is 138 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Lee County as relatively low for hail, relatively low for inland flooding and relatively moderate for strong wind, and relatively low for hurricanes.
Traffic & commuting
3.4% of Tupelo commuters spend an hour or more getting to work, and there are 1.73 vehicles per household. 6.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 65.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 86.8 | Comprehensive; dwelling | |
| Hurricane | 68.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 72.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 65.7 | Comprehensive; dwelling | |
| Winter weather | 33.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Tupelo by driver profile
A clean-record driver in their 50s pays the least in our Tupelo model (about $1,405 for full coverage); an 18-year-old on their own policy pays about $4,200, and a DUI pushes a 30-something to $2,825.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,470 | $2,130 | $4,200 | $350 |
| Young adult (22) | $855 | $1,240 | $2,445 | $204 |
| Adult in their 30s | $535 | $775 | $1,525 | $127 |
| Adult in their 50s | $490 | $715 | $1,405 | $117 |
| Senior (72) | $600 | $870 | $1,710 | $143 |
| 30s, one at-fault accident | $775 | $1,125 | $2,215 | $185 |
| 30s, DUI on record | $990 | $1,435 | $2,825 | $235 |
Minimum vs. standard vs. full coverage in Tupelo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $535 | $45 | $440–$630 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $775 | $65 | $635–$915 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,525 | $127 | $1,250–$1,800 |
Estimate your premium in Tupelo
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Cheap car insurance in Tupelo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Tupelo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 6.0% of Tupelo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $415 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $750 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $340 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Tupelo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 12 offices listed below.
- Check complaint records with the Mississippi Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Tupelo, our estimates differ by up to $25 a year between neighborhoods.
Car insurance agents near Tupelo, MS
We found 12 insurance offices within about 6 miles of central Tupelo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Andy Dyson - Allstate
704 Hillcrest Dr, Ste B, Tupelo, MS 38804 -
State Farm - Trentice Imbler
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Farmers Insurance
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Stephen E. Hood - Allstate
2305 W Main St, Ste A, Tupelo, MS 38801 -
State Farm - Rich Potter
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Bobby Brock Insurance
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Shawn King - State Farm
306 Troy St, Tupelo, MS 38804 -
State Farm - Robert Gaines
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Cliff Hancock Insurance Agency
2531 South President Avenue, Tupelo, MS 38801 -
Austin Harrelson - State Farm
1915 Cliff Gookin Blvd, Tupelo, MS 38801 -
State Farm - Rob Rice
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Oquien Bradley - Allstate
960 Barnes Crossing Rd, Tupelo, MS 38804
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Tupelo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,145 | −25% |
| Subaru Outback | Wagon | $1,145 | −25% |
| Tesla Model 3 | Midsize car | $1,600 | +5% |
| Subaru Forester | Small SUV | $1,125 | −26% |
| Honda Civic | Compact car | $1,725 | +13% |
| Toyota Corolla | Compact car | $1,615 | +6% |
| Jeep Wrangler | Midsize SUV | $1,250 | −18% |
| Mazda CX-5 | Small SUV | $1,280 | −16% |
| MINI Cooper | Subcompact car | $1,155 | −24% |
| Tesla Model Y | Midsize SUV | $1,440 | −6% |
Car insurance in nearby Mississippi cities
- Olive Branch $1,655/yr · 79 mi
- Southaven $1,695/yr · 85 mi
- Meridian $1,555/yr · 130 mi
- Jackson $1,640/yr · 160 mi
- Laurel $1,555/yr · 180 mi
- Hattiesburg $1,565/yr · 208 mi
- Biloxi $1,650/yr · 266 mi
- Gulfport $1,675/yr · 267 mi
All Mississippi cities and state rules · Homeowners insurance in Tupelo
Frequently asked questions
How much is car insurance in Tupelo, MS?
We estimate full coverage in Tupelo at about $1,525 a year ($127 a month) for a driver in their 30s with a clean record, and about $535 for Mississippi's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Tupelo more expensive than the Mississippi average?
Our Tupelo estimate is about the same as the statewide figure. The model reflects a population density of 587 people per square mile (the typical Mississippi resident lives at about 142) and an average commute of 18.0 minutes versus 25.6 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Tupelo?
Drivers in Tupelo follow Mississippi law: at least 25/50/25 liability coverage.
Which ZIP code in Tupelo has the cheapest car insurance?
Among Tupelo's 3 ZIP codes, 38826 has the lowest estimate (about $1,475 a year for full coverage) and 38801 the highest (about $1,500), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Tupelo?
An 18-year-old with their own full-coverage policy would pay around $4,200 a year in Tupelo by our estimate ($1,470 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Tupelo?
FEMA's National Risk Index does not rate Lee County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Tupelo?
We list 12 insurance offices in and around Tupelo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Mississippi Insurance Department: Auto Insurance
- Mississippi Insurance Department: Automobile Insurance shopping tool
- Mississippi Insurance Department: personal auto filing review requirements (UM rejection)
- Mississippi Insurance Department: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Tupelo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places