Car Insurance in Mississippi
- State Farm offers the cheapest liability at $39/mo.
- Travelers has the cheapest full coverage at $120/mo.
Enter your ZIP code to start your search for Mississippi car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Mississippi at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Mississippi
The average car insurance rate in Mississippi is $1,113 for a six-month policy — 4% cheaper than the U.S. average.[1]
According to our data, 35% of Mississippians believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest full coverage in MS
- Travelers offered the cheapest full coverage in Mississippi at $120/mo.
Best customer service in MS
- Nationwide scored 685 in JD Power's latest study — the highest in Mississippi.[3]
Cheapest liability coverage in MS
- State Farm offered the cheapest liability coverage in Mississippi at $39/mo.
Cheap full coverage insurance in Mississippi
In 2026, the average cost of full coverage insurance in Mississippi is $1,113 for a six-month policy. For the cheapest full coverage rates, consider Travelers as a jumping off point. Their $120 monthly quote is the lowest in the state for the average driver.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $718 | $120 |
| USAA | $934 | $156 |
| State Farm | $945 | $157 |
| Nationwide | $1,111 | $185 |
| Safeway | $1,162 | $194 |
| GEICO | $1,172 | $195 |
| Safe Auto | $1,253 | $209 |
| Progressive | $1,280 | $213 |
| Allstate | $1,501 | $250 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
What are the best car insurance companies in Mississippi?
We’ve named Nationwide as Mississippi's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go — this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Mississippi
The average cost for liability insurance in Mississippi is $339 for a 6-month policy.[1] For our user profile, State Farm offers the most affordable liability insurance options in the state at $39/mo.
According to our data, 42% of Mississippi drivers carry only the state-required liability coverage.[2] In Mississippi, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Mississippi with our helpful guide.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $234 | $39 |
| USAA | $259 | $43 |
| Travelers | $291 | $48 |
| GEICO | $307 | $51 |
| Safe Auto | $389 | $65 |
| Safeway | $391 | $65 |
| Progressive | $408 | $68 |
| Nationwide | $456 | $76 |
| Allstate | $470 | $78 |
Source: The Zebra
If you're involved in a car accident in Mississippi, you may still recover damages even if you were mostly responsible for the crash. Under the state's pure comparative negligence law, your compensation is reduced by your percentage of fault, but you are not barred from recovering damages, even if you're more than 50% at fault.[4] For example, if you're found 80% responsible for an accident, you may still recover 20% of your eligible damages from the other party. This rule differs from the laws in many states that prevent recovery once a driver reaches a certain level of fault.
Renata Balasco — licensed insurance professional and senior content specialist at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $259 | $934 |
| Travelers | $291 | $718 |
| State Farm | $234 | $945 |
| Shelter | $316 | $948 |
| Safeway | $391 | $1,162 |
| Progressive | $408 | $1,280 |
| Nationwide | $456 | $1,111 |
| Mississippi Farm Bureau | $356 | $1,052 |
| MetLife | $525 | $1,529 |
| GEICO | $307 | $1,172 |
| Allstate | $470 | $1,501 |
Source: The Zebra
Local insights
Drivers near you in Mississippi weigh in
"USAA, but not everyone qualifies for membership (although they are getting more generous with it)."
-Reddit user on r/Mississippi
"Farm Bureau. They’re also incredibly easy to deal with."
-Reddit user on r/Mississippi
Compare car insurance rates from the best companies in Mississippi.
Car insurance in popular Mississippi cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Tupelo, 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.
Source: The Zebra
Updating data...
Source: The Zebra
Mississippi auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Mississippi. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Mississippi insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Mississippi car insurance for high-risk drivers
For high-risk drivers in Mississippi with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Mississippi's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in Mississippi?
In Mississippi, a DUI offense can increase your annual car insurance premium substantially. 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.
Rate increase: +$710
The average 6-month premium increase after a DWI in Mississippi. This premium increase typically lasts 3-5 years.
First time DUI penalties
- Fine of $250 to $1,000
- Up to 48 hours in jail
- Driver's license suspension of 90 to 120 days
DUI record impact timeline
- DMV record: 5 years
- Criminal record: Permanent
Cheap 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. Check out the table below to see average rates by top insurers in Mississippi.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,020 | $170 |
| State Farm | $1,381 | $230 |
| Safeway | $1,493 | $249 |
| Nationwide | $1,550 | $258 |
| Progressive | $1,556 | $259 |
| Safe Auto | $1,754 | $292 |
| Allstate | $1,839 | $306 |
| USAA | $1,850 | $308 |
| GEICO | $2,694 | $449 |
Source: The Zebra
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 laws
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. In Mississippi, drivers with a DUI must have an SR-22 for three years.
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.
Find the best coverage and price in Mississippi with The Zebra.
How have average car insurance costs in Mississippi changed?
Mississippi's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Mississippi |
|---|---|
| 2026 | $2,165 |
| 2025 | $2,219 |
| 2024 | $1,801 |
| 2023 | $1,598 |
| 2022 | $1,813 |
| 2021 | $1,607 |
| 2020 | $1,501 |
| 2019 | $1,590 |
| 2018 | $1,604 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Mississippi car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Mississippi auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
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Comparative Negligence Rule. Mississippi Law
Comparative Negligence Rule. Mississippi Law
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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.
