Car Insurance in Mississippi
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Here's what you need to know when driving in Mississippi
The average car insurance rate in Mississippi is $1,607 per year — 5% more than the U.S. average. However, 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.
The best car insurance companies in Mississippi
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Mississippi.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 890 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the South.
As a highly-rated regional carrier, Farm Bureau Insurance scored an 883 on J.D. Power's 2021 auto study.
Erie Insurance placed third in this region with a score of 874 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Mississippi
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from USAA at $1,264 annually, or $105 per month.
For teen drivers in Mississippi, Mississippi Farm Bureau is the cheapest on average.
If you have a DUI on your record, check out State Farm for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Mississippi auto insurance laws
Car insurance is mandatory in almost every state, including Mississippi. If you choose the legal minimum coverage level in Mississippi, expect to pay an average of $555 annually. This expenditure is more expensive than the nationwide average for minimum coverage by about 3%.
State minimum coverage
In order to drive legally in the state of Mississippi, you must carry at least the minimum liability limits listed below:
- 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):
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Mississippi, a comprehensive insurance policy with a $1,000 deductible costs $1,444, 166% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 197% more than you would for basic coverage.
Compare car insurance rates from the best companies in Mississippi.
Mississippi car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Mississippi.
Cheap auto insurance in Mississippi with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Mississippi drivers with poor credit pay 155% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Mississippi with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to an average of $2,450 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for 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: $5,258 per year — more than $3,729 more than the nationwide average and 227% more than a typical Mississippi driver.
Mississippi auto insurance rate by violation
In Mississippi, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Mississippi after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,813||0%||$0|
|One comp claim||$1,935||7%||$122|
|Two Med/PIP claims||$1,935||7%||$122|
|Two comp claims||$1,975||9%||$162|
|Driving without lights||$2,059||14%||$246|
|Failure to show documents||$2,080||15%||$267|
|Failure to wear a seat belt||$2,119||17%||$306|
|Child safety restraint||$2,129||17%||$316|
|Speeding in school zone||$2,187||21%||$374|
|Driving too slowly||$2,187||21%||$374|
|Driving with expired registration||$2,204||22%||$391|
|Cell phone violation||$2,204||22%||$391|
|Speeding 6 - 10 MPH over limit||$2,213||22%||$399|
|Speeding 11 - 15 MPH over limit||$2,214||22%||$401|
|Texting while driving||$2,218||22%||$405|
|Failure to yield||$2,220||22%||$407|
|Failure to stop at a red light||$2,220||22%||$407|
|Speeding 16 - 20 MPH over limit||$2,234||23%||$421|
|Speeding 21 - 25 MPH over limit||$2,246||24%||$433|
|Following too closely||$2,264||25%||$451|
|Wrong way/wrong lane||$2,279||26%||$466|
|Passing school bus||$2,314||28%||$501|
|In 65 MPH zone||$2,335||29%||$522|
|Operating a vehicle without permission||$2,450||35%||$637|
|At-fault accident - less than $1000||$2,560||41%||$747|
|At-fault accident - $1000-$2000||$2,723||50%||$910|
|At-fault accident - greater than $2000||$2,723||50%||$910|
|Driving with a suspended license||$2,810||55%||$997|
|Refusal to submit to a chemical test||$3,017||66%||$1,204|
|Leaving scene of an accident/hit and run||$3,093||71%||$1,280|
Mississippi DUI laws
In Mississippi, a DUI offense can increase your annual car insurance premium to an average of $3,037. That’s 23% more than the national average rate hike after a DUI. 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, State Farm, has rates that are 30% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Mississippi is USAA, while the priciest firm is GEICO, with prices 25% above average.
There is no car insurer in particular that offers inexpensive DUI car 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.
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.
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.
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.
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Rates by city
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.
|City||Avg. Annual Premium|
Car insurance price trends in Mississippi
In Mississippi, average annual auto insurance costs increased by $106 in the past year. A typical Mississippi driver pays an average of $1,607 per year.
The recent pricing trend in Mississippi leans toward slightly pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Mississippi||Yearly Change — Mississippi||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Mississippi car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Mississippi auto insurance.
Who really has the cheapest car insurance in Mississippi?
Nationwide and USAA are the cheapest options for car insurance in Mississippi, according to our data. Nationwide costs $704 for a six-month policy, whereas USAA will set you back $632.
How much is car insurance in Mississippi?
The average driver in Mississippi pays $803 for a six-month insurance policy. This is approximately 5% 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.
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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.