Cheapest Auto Insurance in Mississippi (2024)

Mississippi drivers will find the cheapest rates from State Farm, with liability policies that start at $36 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated June 20, 2024

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Cheapest recent rates in Mississippi

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $71/mo for full coverage in Mississippi.

*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Mississippis average car insurance costs are less than the national average for car insurance. Full coverage in the Magnolia State averages $210 per month, and liability-only coverage averages $76 per month, according to Insurify data. By comparison, the national average costs of full coverage and liability only are $214 and $105, respectively.

The Magnolia State’s relatively low population density of 63 people per square mile likely contributes to its lower average car insurance costs. Here’s what you need to know about finding cheap car insurance in Mississippi.

Quick Facts
  • Mississippi drivers with a speeding ticket, accident, or DUI on their records could see their monthly liability rates increase to an average of $112.

  • Liability-only coverage in Mississippi costs $76 per month, on average, and full coverage costs $210 per month.

  • State Farm, USAA, and Safeco offer the cheapest car insurance in Mississippi.

3 of the cheapest car insurance companies in Mississippi

The right insurer for you depends on your unique budget, coverage preferences, and driving record. Three of the cheapest auto insurers in Mississippi include National General, USAA, and Hugo — each offering the most affordable coverage in different categories.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
National General3.7$170$66Teen drivers
USAA9.4$73$37Full coverage
Hugo7.0$55$48On-demand coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teen drivers: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo

A subsidiary of Allstate, National General offers non-standard car insurance for high-risk drivers. The company offers additional coverage options, as well as multi-policy and multi-vehicle discounts.

An AM Best rating of A+ (Superior) represents solid financial strength and the ability to pay its claims. But its customer satisfaction could improve. National General received a higher-than-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC).

Pros
  • Specializes in non-standard policies for high-risk drivers

  • Offers DynamicDrive safe-driving program

  • Can file an SR-22 on your behalf, if needed

Cons
  • Gap insurance not available

  • Many online complaints

  • Low J.D. Power customer satisfaction rating (863 out of 1,000)

Read our National General review
Marian - June 19, 2024
Verified

Too Expensive

Honestly, I wouldn't recommend them to my friends. They quoted me a price that was over $400 for basic coverage. That could have been full coverage. They mentioned a discount, but the truth is, they didn't even apply it during the first month. It was a very bad experience.

Timothy - June 17, 2024
Verified

Too expensive

Too expensive

Willie - June 17, 2024
Verified

Poor

I'm not sure, but the policy isn't functioning correctly due to their authoritarian and unsafe decisions, which are their own mistakes.

Best insurer for full coverage: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo

USAA focuses on car insurance and a variety of other products for active-duty, veterans, and reserve members and their families. The company has 10 advertised discounts, and policyholders benefit from affordable rates. An AM Best rating of A++ (Superior) shows strong financial strength. Beyond standard coverage options, USAA doesn’t have many available additional coverages.

Pros
  • Accident forgiveness and new-car replacement available

  • Offers usage-based SafePilot telematics insurance program

  • Variety of discounts

Cons
  • Only for military members, veterans, and their families

  • Gap insurance not available

  • Limited customer service hours

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

Best insurer for on-demand coverage: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo

Launched in 2021, Hugo specializes in pay-as-you-drive liability car insurance. Currently, Hugo only offers coverage in Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Ohio, Pennsylvania, Tennessee, and Texas. Drivers can purchase as little as three days of coverage at a time and have the freedom to start and stop coverage at any point.

If you drive every day or need to customize your coverage, Hugo may not work best for you. Pay-as-you-go insurance is also not an option for people who have financed or leased their vehicles since theyll need to maintain continuous coverage. But customers who want flexible coverage can get insurance from Hugo — with no up-front fees or down payment.

Pros
  • Pay-as-you-go structure

  • Only pay on days you drive

  • No down payments or hidden fees

Cons
  • Available in only 13 states

  • Not as affordable for daily drivers

  • Limited customization options

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

How to get the cheapest car insurance in Mississippi

Each car insurance company offers its own variations in available coverage, policy specifics, and more. These tips can help you find affordable coverage:[1]

  • Shop around. If you go with the first car insurance company you come across, you might pay more than you have to for a policy. Get quotes from several car insurance companies to zero in on the cheapest rates.

  • Look for discounts. Most car insurance companies offer a variety of discounts. Common discounts you might qualify for include good driver, anti-theft device, and loyalty discounts.

  • Drive safely. Driving violations, like speeding tickets and DUIs, can increase your car insurance costs significantly. Do your best to drive responsibly and avoid accidents.

  • Consider usage-based insurance. If you don’t drive a lot, usage-based or pay-per-mile insurance can save you money. You’ll only pay for the miles you drive. This may make sense for retirees and remote workers.

Find Cheap Car Insurance in Mississippi

Liability rates start at $36 per month

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Cheapest liability-only car insurance in Mississippi: State Farm

To drive legally in Mississippi, you must have the minimum-required liability-only car insurance, which covers the other driver’s property damage and injuries after an at-fault accident. The following table shows monthly liability-only quotes from top insurers in Mississippi.

Liability-only coverage in Mississippi costs an average of $76 per month.

The following table shows monthly liability-only quotes from top insurers in Mississippi.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Mississippi: State Farm

Full-coverage car insurance usually includes liability, collision, and comprehensive insurance. If you have a car loan or lease, your lender or leasing company may require you to invest in a full-coverage policy.

Mississippi drivers pay $210 per month, on average, for a full-coverage policy.

The following table illustrates monthly full-coverage quotes from top car insurance companies for Mississippi drivers.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Mississippi

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $82/mo for full coverage in Mississippi.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Mississippi

Mississippi is an at-fault — or tort — state, which means the driver who caused an accident must cover the costs of any damage and injury they caused drivers or passengers in another vehicle.

Drivers in the state must carry bodily injury and property damage liability coverage, though purchasing more coverage provides more robust protection. Failure to show proof of insurance could result in financial and legal consequences.[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Any coverage beyond the minimum liability coverage is optional for Mississippi drivers. But insurance professionals typically recommend full coverage since it offers greater financial protection.

Common optional car insurance coverages include:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects you from non-collision-related incidents that damage your car, like theft and glass breakage. This coverage kicks in following natural disasters, vandalism, fire, and civil unrest.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If your car needs repairs or replacement after an accident with another vehicle or object, collision coverage applies regardless of fault. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Mississippi has the highest percentage of uninsured drivers in the U.S., so you should consider purchasing an uninsured motorist policy to protect you if you get into an accident with an uninsured driver. It also provides coverage for hit-and-run accidents.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Similar to personal injury protection (PIP) coverage, medical payments coverage can pay for your medical bills following an accident, even if you caused it.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs on your record can influence your insurance costs. If you have an incident on your record, car insurance companies typically view you as a riskier driver and, in turn, increase your premiums. Drivers with clean records tend to pay the lowest rates.

For example, if you have a speeding ticket on your record, State Farm may charge you $48 per month, on average, in Mississippi. But if you have a clean record, you can expect to pay an average premium of $36 per month.

Shop for Car Insurance in Mississippi

Monthly rates start at $47 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding is a risky driving behavior that can lead to an accident. If you have one or more speeding tickets on your record, you’ll likely pay more for an auto policy than a driver who always follows the speed limit.

Mississippi drivers with speeding tickets pay $314 per month for full coverage and $114 for liability-only policies, on average.

The following table illustrates monthly quotes for Mississippi drivers with speeding violations.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$94$48
USAA$97$49
Safeco$140$76
Allstate$154$77
Progressive$157$79
Nationwide$161$82
GEICO$163$83
National General$172$86
Travelers$187$94
Clearcover$218$135
Midvale Home & Auto$247$134
Root$249$153
Shelter$249$125
GAINSCO$274$91
Liberty Mutual$304$148
Bristol West$304$127
The General$313$197
Dairyland$344$142
Direct Auto$366$165
Foremost$392$149
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause a car accident, your insurer will likely charge you higher car insurance premiums. The average monthly cost of car insurance for drivers with at-fault accidents in Mississippi is $330 for full coverage and $119 for liability only.

The following table illustrates monthly quotes from top Mississippi insurers for drivers in the state with an at-fault accident on their records.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$99$50
USAA$103$52
Safeco$141$77
Allstate$163$82
Progressive$167$84
Nationwide$170$87
GEICO$172$87
National General$184$92
Travelers$197$99
Clearcover$242$150
GAINSCO$254$84
Root$262$161
Shelter$262$132
Midvale Home & Auto$266$144
Liberty Mutual$318$155
Bristol West$318$133
The General$333$209
Dairyland$361$149
Direct Auto$392$177
Foremost$410$156
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI is a serious offense that leads to penalties, like fines and jail time, in the Magnolia State. This charge stays on your record for five years and results in more expensive car insurance rates.

Drivers in Mississippi with a DUI pay an average of $372 per month for full coverage and $135 for liability-only policies. The table below shows monthly quotes for Mississippi drivers with DUIs on their motor vehicle records.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$123$62
USAA$126$64
Safeco$178$97
Allstate$201$100
Progressive$202$102
Nationwide$208$105
GEICO$211$107
National General$225$112
Travelers$240$121
Clearcover$280$173
Root$304$187
Midvale Home & Auto$310$168
Shelter$310$156
GAINSCO$323$107
Liberty Mutual$360$175
Bristol West$396$166
The General$401$252
Dairyland$444$183
Foremost$463$176
Direct Auto$472$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Per miles driven, seniors have a higher mortality rate in car accidents than some younger drivers.[3] Average rates by age group usually decrease around age 30 and increase a bit around age 70.

Mississippi seniors pay a monthly average of $158 for full coverage car insurance and $57 for liability policies. The table below shows the cheapest car insurance premiums for seniors in Mississippi.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$53$27
USAA$56$28
Safeco$80$44
Progressive$80$40
Nationwide$86$43
Allstate$89$45
GEICO$93$47
National General$98$49
Travelers$104$52
Shelter$119$60
Clearcover$124$77
Midvale Home & Auto$131$71
Root$138$85
GAINSCO$148$49
Liberty Mutual$159$77
Bristol West$175$73
The General$181$114
Dairyland$196$81
Foremost$200$76
Direct Auto$202$91
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Because teen drivers have minimal experience behind the wheel and have a greater likelihood of getting in a car accident, auto insurers charge them much higher premiums than older drivers.

Teens can lower car insurance costs by staying on their parents’ insurance, taking a defensive driving course, and locking in a good student discount.

The average cost of car insurance for teen drivers in Mississippi is $441 per month for full coverage and $160 for liability-only coverage.

The table below shows monthly quotes for teen drivers from top car insurers in Mississippi.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$131$67
USAA$133$67
GEICO$211$107
Allstate$221$111
Nationwide$224$114
Progressive$229$116
Safeco$230$125
National General$269$134
Travelers$272$137
Root$296$182
Shelter$335$168
Midvale Home & Auto$336$182
Clearcover$339$209
GAINSCO$361$120
The General$411$258
Liberty Mutual$416$202
Bristol West$425$178
Dairyland$469$193
Foremost$517$197
Direct Auto$539$243
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find the Best Car Insurance in Mississippi

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Mississippi car insurance quotes by credit tier

Having good or excellent credit can lead to cheaper car insurance rates in the Magnolia State. Actuarial data shows that drivers with good credit are less likely to file claims than drivers with poor credit.

The chart below shows how car insurance rates in Mississippi vary by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Mississippi car insurance FAQs

Finding cheap coverage can feel difficult. The following information should help you determine what you need to know about buying coverage in Mississippi.

  • How much is car insurance in Mississippi?

    The average cost of car insurance in Mississippi is $210 per month for full coverage and $76 for liability-only policies. These rates assume you have a clean driving record. Incidents like speeding tickets, at-fault accidents, and DUIs can significantly increase rates for Mississippi drivers.

  • Who has the cheapest car insurance in Mississippi?

    State Farm has the cheapest car insurance rates in Mississippi, with liability policies starting at $36 per month. USAA and Safeco are the second- and third-cheapest insurance companies in the Magnolia State, with liability rates starting at $37 and $56, respectively.

  • What are the best car insurance companies in Mississippi?

    National General is the best car insurance company for teenagers, due to its focus on insuring high-risk drivers and a safe-driving program called DynamicDrive. USAA provides the best option for full-coverage insurance — though it’s only available for military members and their families. Hugo is the top option for usage-based insurance, offering cheap pay-as-you-drive coverage to non-daily drivers.

  • Is Mississippi car insurance expensive?

    On average, drivers in Mississippi pay less for insurance than the national average of $214 for full coverage and $105 for liability. Location-based factors — like severe weather patterns, population density, and traffic congestion — all influence rates in the area.

  • Is Mississippi a no-fault state?

    No. Mississippi is an at-fault state. Drivers in an at-fault — or tort — state must cover the costs of damage and injury they cause another driver and their passengers in an at-fault accident.

Insurify Insights

How Mississippi Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Mississippi below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Mississippi drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Mississippi

#23

State with the Most Speeding Tickets Rank

#31

State with the Moving Violations Rank

#41

State with the Most DUIs Rank

#34

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Mississippi is the #41 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #41
    • Percent of drivers in Mississippi with an accident: 7.1%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Mississippi is the #41 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #41
    • Percent of drivers in Mississippi with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Mississippi is the #44 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #44
    • Percent of drivers in Mississippi with a reckless driving offense: 0.9%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Mississippi is the #46 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #46
    • Percent of drivers in Mississippi with a rude driving violation: 1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Mississippi is the #23 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #23
    • Percent of drivers in Mississippi with a speeding ticket: 8.8%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Mississippi is the #48 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #48
    • Percent of drivers in Mississippi with a failure to yield violation: 0%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Mississippi Department of Insurance. "Auto Insurance."
  3. Insurance Information Institute. "Senior driving safety and insurance tips."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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