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Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Mississippi drivers don't enjoy much of a rate discount for staying safe on the roads, as avoiding at-fault accidents is rewarded by just a 28% price cut, compared to 32% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$376||17.31%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Mississippi, the typical teen driver pays $5,385 per year, just a bit higher than the national average for all teen drivers.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 31% after a DUI, 28% after an at-fault accident, and 17% after a speeding ticket in Mississippi. The post-citation penalties assessed by car insurance companies in Mississippi roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Every car insurance company boasts about its cheap costs. But just like with any product, the cheapest car insurance isn't always the finest option. Considering the stakes, it's worth doing your homework to discover an insurance policy that will cover your car completely after an accident. Consider comparing choices to discover a great value, instead of settling for the cheapest auto insurance you find.
Compare popular car insurance companies' financial stability and claims satisfaction ratings to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurer's financial strength and ability to fulfill its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Direct General||Not Rated||Excellent|
|Southern Farm Bureau||Not Rated||Superior|
The minimum insurance requirement in Mississippi is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
If you choose the legal minimum coverage level in Mississippi, you will pay an average of $776 annually. This is more expensive than the national mean by 18%. If you opt for better coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicle collisions, auto theft, or weather incidents. It's worth noting that better insurance coverage comes with a cost: in Mississippi, a comprehensive insurance policy with a $1,000 deductible runs $1,613, 108% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, you can expect to pay 132% more than for basic coverage.
Compare average rates for basic, better, and best car insurance levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Mississippi, drivers are required to maintain state minimum coverage requirements, including liability insurance at or greater than:
Learn more about Mississippi's car insurance regulations.
Mississippi’s DUI lookback period is five years. Multiple DUI offenses within this timeframe lead to enhanced fines and penalties. Penalties are also increased for DUIs that cause damage, injury, or death.
First-time DUI offenses in Mississippi lead to:
If you receive a ticket or citation, your car insurance rates may rise. How much your rates rise depends on the violation, your insurer's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Mississippi after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,442||59%||$905|
|Refused Breathalyzer/Chemical Test||$2,338||52%||$801|
|Driving with a Suspended License||$2,323||51%||$786|
|Driving with an Open Container||$2,189||42%||$652|
|Operating a Vehicle Without Permission||$2,038||33%||$501|
|Passing a School Bus||$2,007||31%||$470|
|Following Too Closely||$2,092||36%||$555|
|Failure to Stop at a Red Light||$1,877||22%||$340|
|Driving Wrong Way/Wrong Lane||$2,007||31%||$470|
|Failure to Yield||$1,877||22%||$340|
|Speeding in a School Zone||$1,837||20%||$300|
|Driving Too Slowly||$1,837||20%||$300|
|Driving with Expired Registration||$1,739||13%||$202|
|Failure to Show Documents||$1,739||13%||$202|
|Failure to Use Child Safety Restraint||$1,646||7%||$109|
|Failure to Wear a Seat Belt||$1,619||5%||$82|
|Driving Without Lights||$1,646||7%||$109|
Travelers and USAA are the cheapest options for car insurance in Mississippi, according to our data. Travelers costs $505 for a six-month policy, whereas USAA will set you back $543.
The average driver in Mississippi pays $904 for a six-month insurance policy. This is approximately $200 more than the average driver pays in the U.S. for the same coverage.
Yes — if your vehicle is going to be on public roads, you need to be covered to at least the state-mandated liability limits.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Tupelo, Mississippi, and the most expensive in Jackson, Mississippi.
|Rank||City||Avg. Annual Premium|