Cheap Mississippi Car Insurance

Compare the best rates from 13 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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Mississippi?
Rank Company Name Avg. Annual Premium
1 USAA $823
2 Travelers $1,010
3 Unitrin $1,156
4 Direct General $1,304
5 ALFA $1,364
6 Southern Farm Bureau $1,422
7 Safeway $1,429
8 State Farm $1,436
9 Shelter $1,458
10 Nationwide $1,540
11 Progressive $1,612
12 GEICO $1,791
13 Safe Auto $2,449
14 Allstate $2,618
15 Liberty Mutual $2,940
16 Safeco $3,943

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 $376 17.31%
No Accidents $733 28.97%
Good Credit $1,613 47.29%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $2,531 28.97%
DUI $2,609 31.11%
Speeding Violation $2,174 17.31%
Bad Credit $3,410 47.29%

Car Insurance Laws

State minimum insurance requirements in Mississippi

In Mississippi, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Mississippi and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Mississippi, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Mississippi but higher coverage amounts are available with most companies.

Car Insurance FAQs

Are digital insurance cards accepted in Mississippi?

Yes — if you happen to find yourself pulled over by a police officer in Mississippi you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Mississippi?

24% of drivers don't carry insurance in Mississippi — above the US mean of 13%. We strongly recommend uninsured motorist coverage in Mississippi to avoid extra costs if you're involved in an accident with an uninsured motorist.

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 Starkville, Mississippi, and the most expensive in Natchez, Mississippi.

Rank City Avg. Annual Premium
1 Natchez $1,370
2 Clarksdale $1,353
3 Jackson $1,333
4 Gulfport $1,320
5 Biloxi $1,311
6 Clinton $1,308
7 Vicksburg $1,297
8 Pascagoula $1,292
9 Ocean Springs $1,290
10 Gautier $1,281
11 Greenville $1,276
12 Pearl $1,264
13 Southaven $1,262
14 Olive Branch $1,260
15 Hattiesburg $1,260
16 Horn Lake $1,258
17 Brandon $1,254
18 Ridgeland $1,242
19 Madison $1,235
20 Meridian $1,224
21 Laurel $1,222
22 Oxford $1,221
23 Columbus $1,151
24 Tupelo $1,145
25 Starkville $1,116

Recent Mississippi Car Insurance Questions and Answers

Who insures a vehicle that is shared?

Both mine and my daughter’s name is on the car so who should get insurance? She will be the sole ...

JUN 28, 2018
I didn’t call the police after an accident

I hit a pole at the store when it was raining. What should I do because I didn’t call the ...

APR 12, 2018
Do I need to buy a flood insurance policy for my car?

I recently bought a home and went through the process of homeowners insurance, and my friend told me that I ...

FEB 27, 2017
Should I file a claim for damage that I caused to someone’s bumper?

I rear-ended someone at a stop light and caused very little damage. My car is fine, but the bumper on ...

FEB 02, 2017

Driving Laws

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
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Mississippi Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Mississippi area, while also getting an insider view of the Magnolia State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Click here to learn more