Find affordable auto insurance that works for you in Mississippi. Compare quotes from over 100 top companies.
Why you can trust The Zebra
The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.
The Zebra has gathered and analyzed data from all over Mississippi and presented it below to help you find your perfect car insurance match. We’ve simplified the hunt for cheap auto insurance in Mississippi, so you can quickly make an expert decision and get back to the things you enjoy in life.
Compare quotesfrom dozens of insurers that provide coverage throughout Mississippi. Enter your ZIP code below to get started.
Drivers with spotless 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 least expensive 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.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
|Allstate||Above average||Average||Superior||4.3 / 5|
|GEICO||Average||Average||Superior||4.4 / 5|
|Nationwide||Above average||Poor||Superior||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In Mississippi, drivers are required to maintain state minimum coverage requirements, including liability insurance at or greater than:
Optional coverage in Mississippi (varies by carrier):
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 $500 deductible, you can expect to pay 132% more than for basic coverage.
Learn more about Mississippi's car insurance regulations.
If you receive a ticket or citation, your car insurance rates may rise. How much your rates rise depends on the violation, your insurer's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Mississippi after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ 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|
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|
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 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.