Car Insurance for Good Drivers in Mississippi

The Zebra
July 15, 2019

Car insurance for good drivers in Mississippi

Some of the factors contributing to car insurance rates are out of your control: your gender, age, and location are important rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of lower rates.

To ensure you keep your car insurance cheap, try to keep your driving history clean, your credit score high, and your monthly driving mileage on the low end. Car insurance companies offer lower rates to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Mississippi.

Auto insurance rates for drivers with no citations in Mississippi

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Car insurance companies see good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you're citation-free, start your search for insurance with State Farm, with average annual premiums of $1,124. That comes out to $164less than the average car insurance rate for citation-free drivers in Mississippi.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MISSISSIPPI
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,124
USAA$1,145
ALFA$1,186
Unitrin$1,241
Mississippi Farm Bureau$1,432
Progressive$1,659
Nationwide$1,697
Shelter$1,749

Auto insurance rates for drivers with high credit scores in Mississippi

Auto insurance companies reward clients who maintain a solid credit history. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your car insurance premium.

If your credit score is “good,” your top option for car insurance in Mississippi could be State Farm, offering an average annual rate of $1,124. If your credit score is even better (in the "excellent" range), State Farm could be the best option. State Farm's prices for drivers with credit scores of 800 or better are $408 per year less than the typical car insurance rate for drivers with exceptional credit in Mississippi.

Find below a breakdown of auto insurance rates in Mississippi for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MISSISSIPPI
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,124
USAA$1,145
ALFA$1,186
Unitrin$1,241
Mississippi Farm Bureau$1,432
Progressive$1,659
Nationwide$1,697
Shelter$1,749

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MISSISSIPPI
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$998
USAA$1,068
Unitrin$1,081
ALFA$1,126
Mississippi Farm Bureau$1,309
Progressive$1,461
Shelter$1,502
Nationwide$1,663

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MISSISSIPPI
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$889
Unitrin$920
USAA$992
ALFA$1,050
Mississippi Farm Bureau$1,197
Progressive$1,258
Shelter$1,502
GEICO$1,596

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Car insurance for low-mileage drivers in Mississippi

The fewer miles you drive, the less likely you are to file an insurance claim. At least that's what car insurance companies think. If you stay within the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.

If you're a Mississippi driver who doesn't rack up major mileage, consider USAA, which offers average annual savings of $307 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MISSISSIPPI
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$981
State Farm$1,019
ALFA$1,024
Unitrin$1,241
Mississippi Farm Bureau$1,432
Shelter$1,604
Progressive$1,659
Nationwide$1,661

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Rates for good drivers in Mississippi — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Biloxi$1,242$1,242$1,138$1,052$1,140
Hattiesburg$1,243$1,243$1,142$1,058$1,143
Gulfport$1,259$1,259$1,154$1,066$1,166
Meridian$1,282$1,282$1,175$1,087$1,160
Jackson$1,454$1,454$1,332$1,229$1,331

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