Short-Term Car Insurance in Mississippi

The Zebra
Jan. 18, 2019

If you are seeking a creative approach to car insurance, you could be interested in a short-term auto insurance policy. Truth is, short-term car insurance is hard to come by for multiple reasons.

For one, major car insurers won't offer contract terms for fewer than six months. Since car insurance coverage is legally required in most states, there's some risk associated with swapping policies every month. Additionally, you risk having lapses in your auto insurance history by making abrupt moves between policies, leading to higher premiums in the long run.

The good news is car insurance policies usually last for just six months. This relatively brief duration allows insurance companies to frequently “re-rate” — or re-price — your policy based on your present driving profile and personal info.


Compare auto insurance policies!

Location pin icon
Your information is secure.

The end of a policy period also serves as the perfect chance to evaluate your policy by getting quotes from other car insurers. Finding prices online is quick and complimentary, and there isn't a penalty for switching auto insurance companies at the end of your policy — or mid-term, as long as you never let your insurance lapse.

The short-term nature of auto insurance makes it relatively easy to find quickly. If you require a policy to drive a new vehicle off the lot, shopping for a policy for a longer-term rental, or seeking coverage on a vehicle you don't own but regularly drive, consider purchasing a six-month policy and cutting the term short as needed.

Temporary car insurance in Mississippi

See below typical auto insurance rates in Mississippi, ordered by major companies and major cities. If you're paying more than the rates listed below, consider other options.


SHORT-TERM AUTO INSURANCE RATES IN MISSISSIPPI — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Mississippi State Average — All Companies$900$150
USAA$457$76
State Farm$651$109
Nationwide$647$108
ALFA$676$113
Mississippi Farm Bureau$718$120

The most affordable option for temporary car insurance in Mississippi is USAA, which can save you $33 per month, compared to the second-cheapest company, State Farm. In Mississippi, the average monthly price of car insurance is $150, or $900 over a biannual term.

Where you drive can have as great an effect on your auto insurance premiums as the insurance company you choose. Auto insurance companies take into account the density and likelihood of a claim being filed when drafting prices by ZIP. Check out insurance prices in the biggest cities in Mississippi and compare the amount you pay.


TEMPORARY CAR INSURANCE PREMIUMS IN MISSISSIPPI — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Jackson$667$111
Gulfport$660$110
Southaven$631$105
Hattiesburg$630$113
Biloxi$656$109

If your premiums exceed those listed above, take a moment to shop around. The short-term duration of a car insurance policy increases the importance of staying informed and ready to shop.

Find out more about temporary auto insurance or use our search function to compare policies today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.


Find affordable auto insurance today!

Location pin icon
Your information is secure.