Car Insurance in Mississippi
- Travelers offers the cheapest full coverage in MS
- Compare the cheapest car insurance quotes in MS from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car inusurance quotes in Mississippi
Mississippi drivers pay close to the national average rate for car insurance at $1068 for a six-month policy. This is only 2% in premium difference versus the U.S. average.[1] Still, car insurance rates are impacted by much more than where you live. Auto insurance rates comprise many factors, including a driver's age and driving history.
The Zebra's experts analyzed average Mississippi car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Mississippi based on these variables, or submit your ZIP code above to receive personalized auto quotes from top insurers.
- Travelers offered the cheapest full insurance coverage in Mississippi at $135/mo.
- See the other cheapest full coverage insurance companies and best discounts in MS ↓
- As a highly-rated regional carrier, Alfa Insurance scored an 851 on J.D. Power's 2023 auto study. For those eligible, USAA is also top rated by J.D. Power for Customer Service.[2]
- Read about the rest of the top and best companies in MS ↓
- State Farm offered the cheapest liability insurance coverage in Mississippi at $37/mo.
- See the other cheapest liability coverage insurance companies in MS ↓
- The Zebra used 3rd party reviews from JD Power and AM Best as well as thousands of customer ratings in Mississippi to name State Farm as the best overall company for Mississippi drivers.
- Read about the rest of the top and best companies in MS ↓
Cheap full coverage in Mississippi
In Mississippi, drivers pay $1068 on average for a six-month auto insurance policy. A full coverage policy is more expensive than liability, but it provides significantly better protection with comprehensive and collision coverage. 60% of Zebra customers in Mississippi choose full coverage insurance for their vehicles.[3]
Travelers, USAA and State Farm offer the best rates in Mississippi for full coverage policies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $807 | $135 |
| USAA | $815 | $136 |
| State Farm | $849 | $142 |
| Shelter | $1,035 | $173 |
| GEICO | $1,170 | $195 |
| Progressive | $1,297 | $216 |
| Allstate | $1,387 | $231 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Search out these car insurance discounts
- Payment Options: Advance pay, electronic billing, full payment upfront
- Driver Discounts: Multi-policy bundling, multiple vehicles, safe driver, good student, homeowner, military personnel
- Vehicle Discounts: Discounts for new cars, safety features (consider telematics), and anti-theft systems
What are the best car insurance companies in Mississippi?
We ranked State Farm as the top car insurance provider in Mississippi based on customer feedback, independent ratings (including JD Power, Trustpilot, and AM Best), and factors such as available discounts and coverage choices. Below, you'll find the advantages and disadvantages of State Farm, along with a comparison of other highly-rated insurers in Mississippi.
State Farm took first place for best overall insurance company in Mississippi. This is due to its affordable premiums, range of coverage options, and high satisfaction ratings from both J.D. Power and our Customer Satisfaction Survey.Â
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Competitive rates in Mississippi
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Excellent customer satisfaction scores
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Plenty of bundling opportunities and discounts
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State Farm Drive Safe & Save telematics program available
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Less custom coverage options than similarly-sized carriers
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Above average number of complaints from the NAIC
Best car insurance companies in Mississippi — honorable mentions
Although State Farm ranked highest on our list, these other companies also performed strongly. Our rankings were based on data from the JD Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which gathered feedback from 2,722 drivers to identify the companies delivering the most customer satisfaction.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $808 | $135 |
| Mississippi Farm Bureau | $899 | $150 |
| Nationwide | $1,080 | $180 |
Source: The Zebra
How did we pick what company has the "Best Value" in Mississippi?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Mississippi
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find your best value insurance match with The Zebra.
Cheap liability insurance in Mississippi
The average cost for liability insurance in Mississippi is $313. Our data suggests that State Farm, USAA and Travelers offer the most affordable liability insurance in the state.Â
Liability insurance alone is typically not enough protection for the average driver, but it does fulfill state legal requirements. 40% of our Mississippi customers choose liability-only coverage.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $221 | $37 |
| USAA | $221 | $37 |
| Travelers | $284 | $47 |
| GEICO | $305 | $51 |
| Shelter | $347 | $58 |
| Progressive | $407 | $68 |
| Allstate | $423 | $70 |
Source: The Zebra
Updating data...
| Company | Liability coverage | Full coverage |
|---|---|---|
| State Farm | $221 | $849 |
| USAA | $221 | $815 |
| Travelers | $284 | $807 |
| GEICO | $305 | $1,170 |
| Shelter | $347 | $1,035 |
| Progressive | $407 | $1,297 |
| Allstate | $423 | $1,387 |
Source: The Zebra
Mississippi insurance laws mandate that all drivers must carry the minimum limits of 25/50/25. This refers to $25,000 bodily injury coverage per person, $50,000 bodily injury per accident, and $50,000 in property damage liability. This is a typical set of minimum limits, but it is rarely enough to protect your wallet if you get in a wreck. Your bodily injury limits can be exhausted quickly even with moderate injuries— the same holds true for the property damage limits, as $25,000 is just barely in the realm of the cost to replace a new vehicle.
It’s highly recommended that drivers increase their liability limits. If not to opt for full coverage, raising your limits to 50/100/50 is a good place to start.
Renata Balasco — licensed insurance professional and senior content specialist at The Zebra
Mississippi auto insurance quotes after an accident or ticket
Your driving history plays a major role in determining your auto insurance premiums. Insurers often view past at-fault accidents as a risk indicator, which can result in higher policy costs. On average, a single at-fault accident could increase your annual car insurance rates to as much as $995.
See below the average auto insurance rates from top companies in Mississippi after an accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,056 | $176 |
| Shelter | $1,056 | $176 |
| State Farm | $1,105 | $184 |
| USAA | $1,180 | $197 |
| Allstate | $1,703 | $284 |
| GEICO | $1,775 | $296 |
| Progressive | $1,882 | $314 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Filing a claim is never ideal, but having a smooth, hassle-free process is crucial when you do. In our 2024 Customer Satisfaction Survey, we focused on those who had to file claims, and USAA and AAA emerged as the top choices among companies underwriting in Mississippi. Mississippians seeking peace of mind in critical moments like claims filing should consider these companies.[4, 5]
In Mississippi, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Source: The Zebra
The Zebra's guide to Mississippi car insurance laws for high-risk drivers
Serious violations such as reckless driving or a DUI will require adjustments to your insurance policy.
For more details on car insurance requirements in Mississippi, check out our comprehensive guide. You can also find quick explanations below on how DUIs and SR22s impact your coverage.
Mississippi DUI laws
In Mississippi, a DUI offense can increase your annual car insurance premium to an average of $3,608. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Mississippi
If you're convicted of a DUI or DWI violation in Mississippi, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive major car insurance company for drivers with a DUI in Mississippi, Travelers, has rates that are 36% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Mississippi is State Farm, while the priciest firm is GEICO.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,150 | $192 |
| State Farm | $1,251 | $208 |
| Shelter | $1,470 | $245 |
| Progressive | $1,519 | $253 |
| USAA | $1,594 | $266 |
| Allstate | $1,682 | $280 |
| GEICO | $2,664 | $444 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Mississippi SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Mississippi to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Mississippi might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Mississippi
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find the best coverage and price in Mississippi with The Zebra.
Car insurance price trends in Mississippi
Mississippi car insurance rates have remained fairly steady over the past decade, fluctuating in both directions by about $200 since 2021. While Mississippi drivers tend to pay more than the national average, they can take some comfort in the fact that rates haven’t seen extreme spikes.
Mississippi rates lean pricier due to the state's proximity to the Gulf Coast region and the increased risk of weather-related damage. Still, state-wide rate changes each year are often driven by rising repair costs, higher medical expenses, and increased compensation for the growing number of uninsured drivers on the road
| Year | Avg. Annual Premium — Mississippi | Yearly Change — Mississippi |
|---|---|---|
| 2024 | $1,801 | $203 |
| 2023 | $1,598 | -$215 |
| 2022 | $1,813 | $206 |
| 2021 | $1,607 | $106 |
| 2020 | $1,501 | -$89 |
| 2019 | $1,590 | -$14 |
| 2018 | $1,604 | -$192 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Mississippi cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the top five largest cities in the state, the cheapest car insurance is found in Hattiesburg, Mississippi, and the most expensive in Jackson, Mississippi.
Have a look at the table below to see average car insurance costs in some of Mississippi's biggest cities.
Find an affordable policy in Mississippi in minutes!
Cheap auto insurance for teens and young drivers in Mississippi
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Mississippi, teen drivers pay especially high rates: $6,609 per year — that's over 200% more than a typical Mississippi driver.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $2,333 | $389 |
| Shelter | $2,444 | $407 |
| USAA | $2,497 | $416 |
| State Farm | $2,782 | $464 |
| GEICO | $3,204 | $534 |
| Allstate | $4,075 | $679 |
| Progressive | $5,511 | $919 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Shelter | $2,796 | $466 |
| Travelers | $3,243 | $541 |
| State Farm | $3,682 | $614 |
| GEICO | $3,861 | $644 |
| USAA | $3,885 | $647 |
| Allstate | $5,048 | $841 |
| Progressive | $6,641 | $1,107 |
Source: The Zebra
Mississippi car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Mississippi auto insurance.
Overpaying for car insurance? Compare quotes to discover how much you can save.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
2023 Auto Insurance Study. J.D. Power
Anonymized User Surveys. The Zebra
2024 Customer Satisfaction Survey. The Zebra
2023 U.S. Auto Claims Satisfaction Study. J.D. Power
National Complaint Index Report. NAIC
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.