Cheap Mississippi Car Insurance

Find affordable auto insurance that works for you in Mississippi. Compare quotes from over 100 top companies.

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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.

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

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.


 

Affordable insurance companies 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 quotesfrom dozens of insurers that provide coverage throughout Mississippi. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Mississippi

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

 

Cheap auto 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 auto 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%

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Top rated car insurance companies in Mississippi

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. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

ALFAN/AN/AN/AN/A
AllstateAbove averageAverageSuperior4.3 / 5
DairylandN/AN/ASuperiorN/A
GEICOAverageAverageSuperior4.4 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
SafecoAverageAverageExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Mississippi auto insurance laws

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

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.

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How tickets change 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

 

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
2Gulfport$1,672
3Biloxi$1,653
4Horn Lake$1,593
5Olive Branch$1,592
6Southaven$1,585
7Greenville$1,563
8Meridian$1,537
9Hattiesburg$1,533
10Tupelo$1,402

 

Recent Questions:

How do you insure a car that is not being driven but is held for collateral by a bank?

Whether or not the vehicle is being driven, you still need the state minimum liability coverage — in Mississippi, the state-required liability limits are 25/50/25, meaning you are required to carry $25,000 per person and $50,000 per accident of bodily injury coverage and $25,000 in property damage coverage. In most cases, if the vehicle is used as collateral for a loan, the loan company will require you to have comprehensive and collision coverage to protect your vehicle.
May 3, 2019 Yazoo City, MS

Why is your company called The Zebra?

Our motto at The Zebra is "Insurance in black and white". The basic contrast of the stripes on a zebra gave us our inspiration to simplify and improve the process of shopping for car insurance while providing a user friendly platform to navigate the process.
Feb 8, 2016 Oxford, MS

Do I need to buy a flood insurance policy for my car?

While it is correct that your home will need a separate policy for flood coverage, you do not need it for your auto insurance as long as you have comprehensive coverage. Comprehensive covers things like fire, theft, vandalism, and flooding.
Feb 26, 2017 Biloxi, MS

I didn't call the police after an accident

There are a couple of ways to look at things. You are able to file a claim with your insurance company for the damage to your vehicle, regardless of if you filed a police report.
Apr 11, 2018 Natchez, Mississppi

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.