Auto Insurance in Hattiesburg, Mississippi
Drive Confidently. Protect What Moves You.
Whether you're commuting through Hattiesburg, cruising across Lamar County, or navigating the roads of Forrest and Perry Counties, the right auto insurance gives you peace of mind every mile of the way.
At The Howlett Insurance Agency, we provide local, personalized guidance to help Mississippi drivers secure smart, affordable coverage — backed by real people who care.
What Does Auto Insurance Cover?
Auto insurance protects you financially after car accidents, damage, or theft — and ensures you're legally compliant on Mississippi roads. Standard coverage includes:
Liability Coverage
Covers medical bills and property damage if you’re at fault. (Legally required in Mississippi)
Collision Coverage
Pays for repairs to your car after hitting another vehicle or object — regardless of fault.
Comprehensive Coverage
Protects against non-collision losses, like theft, hail, vandalism, or hitting a deer.
Uninsured/Underinsured Motorist Coverage
Helps cover costs if you're hit by someone without enough (or any) insurance — more common than you think.
Medical Payments (MedPay)
Pays medical expenses for you and your passengers, regardless of fault.
Rental Reimbursement
Covers a rental vehicle while yours is being repaired after a covered loss.
Roadside Assistance & Towing
Helps with flat tires, dead batteries, lockouts, and more — because life happens.
Need help choosing the right limits? We’ll tailor your policy based on your vehicle, commute, family, and budget.
Why Hattiesburg Drivers Trust Howlett Insurance
We’re not a 1-800 number — we’re your neighbors. Here’s what makes us different:
Local Mississippi Expertise
We understand regional driving risks — from severe weather to deer crossings — and make sure you're covered.
No Confusion, No Pressure
We explain every coverage option so you know exactly what you're buying — and what you're not.
Independent, Not Captive
We shop multiple top-rated carriers to find you the best rate and coverage.
Real Support When You Need It
Whether you're filing a claim, renewing, or adjusting your policy — you’ll always talk to a real person who knows your name.
Frequently Asked Questions (Auto Insurance – Mississippi)
Is auto insurance required in Mississippi?
Yes. Mississippi law requires minimum liability coverage. We’ll help ensure you meet or exceed these requirements affordably.
What’s the difference between collision and comprehensive?
- Collision: Covers damage from crashes with vehicles or objects.
- Comprehensive: Covers things like fire, theft, weather, or animal damage.
Do I really need uninsured motorist coverage?
Absolutely. Many Mississippi drivers are underinsured. This coverage protects you from footing the bill if they hit you.
How can I save money on my car insurance?
We can help you save by bundling with homeowners, adjusting deductibles, applying safe driver discounts, and more.
Will my policy cover rental cars and roadside assistance?
Yes — if selected. These optional coverages are low-cost add-ons that offer big peace of mind.
Ready to Hit the Road With Confidence?
Let’s build an auto insurance policy that fits your car, your lifestyle, and your budget — with no guesswork and no pressure.