Cheap Mississippi Car Insurance

Compare the best rates from 26 car insurance companies in Mississippi.

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Here's what you need to know when driving in Mississippi

Across the Magnolia State, there are 156,211 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums in Mississippi

What's the cheapest car insurance in Mississippi?
RankCompany NameAvg. Annual Premium
1Travelers$1,010
2USAA$1,087
3Dairyland$1,164
4State Farm$1,347
5Nationwide$1,350
6Mississippi Farm Bureau$1,396
7Safeco$1,658
8ALFA$1,800
9Safe Auto$2,160
10Allstate$2,548

Compare quotes from over 20 insurance companies that provide coverage throughout Mississippi. Enter your ZIP code below to get started.

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Cheap Insurance for Good Drivers in Mississippi

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$37617.31%
No Accidents$73328.97%
Good Credit$1,61347.29%

Cheap Insurance for Young Drivers in Mississippi

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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,030$8,989
17$3,826$8,053
18$3,738$6,717
19$3,326$4,407

Cheap Car Insurance for Bad Drivers in Mississippi

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 FactorAnnual Rate% Increase
At-Fault Accident$2,53128.97%
DUI$2,60931.11%
Speeding Violation$2,17417.31%
Bad Credit$3,41047.29%

Best Car Insurance Companies in Mississippi

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
ALFANot RatedExcellent
Allstate3Superior
Direct GeneralNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
SafewayNot RatedExcellent
ShelterNot RatedExcellent
Southern Farm BureauNot RatedSuperior
State Farm3Superior
Travelers3Superior
UnitrinNot RatedExcellent
USAA5Superior

 

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What is the Best Car Insurance Coverage in Mississippi?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Mississippi$775.90$1,612.77$1,803.34
National Average$657.66$1,241.26$1,397.94

Mississippi Auto Insurance Laws

State minimum insurance requirements in Mississippi

In Mississippi, drivers are required to maintain state minimum coverage requirements, including liability insurance at or greater than:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Mississippi (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Learn more about Mississippi's car insurance regulations.

Driving Laws in Mississippi

Mississippi Texting and Driving Laws

  • Ban on all cell phones for school bus drivers
  • Ban on text messaging for school bus drivers
  • Ban on text messaging for Learner or Provisional License

Mississippi DUI Laws

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:

  • Up to two days in jail $250 to $1,000 in fines
  • Suspended license for a 90-day minimum
  • Required completion of the Mississippi Alcohol Safety Education Program
  • Requirement to install and use an interlock ignition device for 90 days after license reinstatement

Ticket Impact on Auto Insurance Rates in Mississippi

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,44259%$905
Refused Breathalyzer/Chemical Test$2,33852%$801
DUI$2,33852%$801
Racing$2,37855%$841
Reckless Driving$2,30050%$763
Driving with a Suspended License$2,32351%$786
At-Fault Accident$2,21744%$680
Driving with an Open Container$2,18942%$652
Operating a Vehicle Without Permission$2,03833%$501
Passing a School Bus$2,00731%$470
Improper Passing$1,97528%$438
Following Too Closely$2,09236%$555
Speeding$1,90124%$364
Failure to Stop at a Red Light$1,87722%$340
Illegal Turn$1,94827%$411
Driving Wrong Way/Wrong Lane$2,00731%$470
Failure to Yield$1,87722%$340
Speeding in a School Zone$1,83720%$300
Driving Too Slowly$1,83720%$300
Distracted Driving$1,98329%$446
Driving with Expired Registration$1,73913%$202
Failure to Show Documents$1,73913%$202
Not-at-Fault Accident$1,6678%$130
Failure to Use Child Safety Restraint$1,6467%$109
Failure to Wear a Seat Belt$1,6195%$82
Driving Without Lights$1,6467%$109

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Mississippi Car Insurance FAQs

Who really has the cheapest car insurance in Mississippi?

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.

How much is car insurance in Mississippi?

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.

Is auto insurance required in Mississippi?

Yes — if your vehicle is going to be on public roads, you need to be covered to at least the state-mandated liability limits.

How much does car insurance cost in Mississippi cities?

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.

RankCityAvg. Annual Premium
1Jackson$1,746
2Clarksdale$1,715
3Clinton$1,713
4Gulfport$1,672
5Biloxi$1,653
6Vicksburg$1,623
7Pascagoula$1,612
8Brandon$1,606
9Ridgeland$1,601
10Gautier$1,594
11Horn Lake$1,593
12Olive Branch$1,592
13Southaven$1,585
14Madison$1,569
15Greenville$1,563
16Oxford$1,538
17Meridian$1,537
18Hattiesburg$1,533
19Laurel$1,503
20Columbus$1,444
21Tupelo$1,402

Recent Mississippi Car Insurance Questions and Answers

An excluded driver got into an not-at-fault accident with my vehicle

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle.

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.

Should my husband and I have separate auto insurance policies?

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.

Who insures a vehicle that is shared?

It is tough to answer the question without more information. If your daughter is away from school and living there full time, she will need a policy for that address.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.