Cheap Auto Insurance Quotes in Mississippi (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

We have deals so sweet on car insurance in Mississippi, you might skip your next glass of tea.

The Magnolia State is famous for soul food, legendary music, and mosquitoes big enough to be considered the state bird. Many people may not know the state is over 60 percent forest. While you’re driving through Mississippi seeing the beauty of the outdoors and Old Man River, why not save a few bucks on your car insurance rates? You can leave everyone who is paying too much for car insurance with B.B. singing the Blues. You’ll be tapping along to our guide to the best and cheapest car insurance quotes in Mississippi.

Cheapest Car Insurance in Mississippi

Here are the cheapest carriers in Mississippi for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Mississippi.

Best Car Insurance in Mississippi

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Mississippi. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Mississippi

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Mississippi to find you the cheapest quotes in each of these metropolitan areas.

Mississippi's most populous city is Jackson.

CityCheapest CarrierQuote
ProgressiveProgressive
$35/mo
State FarmState Farm
$83/mo
State FarmState Farm
$78/mo
State FarmState Farm
$67/mo
State FarmState Farm
$82/mo
State FarmState Farm
$64/mo
State FarmState Farm
$62/mo
State FarmState Farm
$78/mo
TravelersTravelers
$145/mo
State FarmState Farm
$82/mo
State FarmState Farm
$87/mo
State FarmState Farm
$74/mo
State FarmState Farm
$73/mo
State FarmState Farm
$54/mo
ProgressiveProgressive
$33/mo
State FarmState Farm
$69/mo
State FarmState Farm
$69/mo
TravelersTravelers
$145/mo
State FarmState Farm
$73/mo
State FarmState Farm
$65/mo

Mississippi Driving Facts

Minimum Car Insurance Requirements in MS

The state of Mississippi requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Mississippi are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident 

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Mississippi state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

  • $25,000 property damage liability per accident

Property damage liabilitry coverage pays for any property that you damage in an accident. The state of Mississippi requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

mississippi

Cheapest Car Insurance Quotes in Mississippi by Profile

Here are the cheapest insurance companies in Mississippi based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Mississippi drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Mississippi, at $33 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive
$33/mo
State Farm
$54/mo
Allstate
$72/mo
Travelers
$123/mo
Direct Auto
$147/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
MetLife
$49/mo
Secura
$60/mo
Pioneer State Mutual
$90/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
Hastings Mutual
$35/mo
Secura
$38/mo
MetLife
$42/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
Hastings Mutual
$32/mo
MetLife
$33/mo
Secura
$59/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Mississippi, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. MetLife offers the cheapest car insurance rates for young drivers, averaging $26 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Mississippi 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Mississippians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
MetLife
$26/mo
Hastings Mutual
$31/mo
Secura
$34/mo
Travelers
$60/mo
Auto Owners
$76/mo

SR‌-22 Insurance in Mississippi

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Mississippi on your behalf.

MS DMV Information

Mississippi DMV is called the driver’s license office (DLO). There are nine different districts to serve the Magnolia State.

The DLOs are walk-in friendly, but you’ll have to schedule to take a driver’s license test. Those new to the state have 30 days to register a vehicle. You can do that at the local county tax collectors office. New residents seeking a license will need a certified state-issued long-form birth certificate, social security card, and two proofs of residency.

After you’ve registered your vehicle and gotten your driver’s license, in the future, you can save time by using the online portal. On the website, you can renew your license or ID card, pay a reinstatement fee, or request your motor vehicle record.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Mississippi

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Mississippi offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers. The state also offers incentives for green business such as biofuel production and alternative-fuel school buses.

Greenes Cities

Columbus

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Jackson

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Biloxi won Insurify's Most Patriotic Cities Award for the state of Mississippi. Over 14,000 people work at or are stationed at Biloxi's Keesler Air Force Base; approximately 13,000 veterans live in the area as well.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Mississippi is vital for all car insurance shoppers hitting the road in The Magnolia State.

road with cars illustration

Road Rankings

25%Rural Roads in
Poor Condition

#5
Ranked

13%Structurally Deficient
Rural Bridges

#7
Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#3
Ranked


FAQs - Mississippi Car Insurance

What happens if I get caught driving uninsured in Mississippi?

It’s a misdemeanor to violate the Mississippi Code for Motor Vehicle Safety and Responsibility. An uninsured driver can also face up to a $500 fine. You can also have your driving privileges suspended for up to one year, or until proof of insurance is provided. You must keep an SR-22 filing for three years.

How is fault assigned after a car accident in Mississippi?

Mississippi is an at-fault state, not a no-fault state. In Mississippi, the person who is responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Is my car covered in floods, earthquakes, or other natural disasters?

It depends. If you have liability-only coverage, then you have no protection in a natural disaster. When you pay for full coverage, specifically your comprehensive insurance coverage, you’ll be protected from natural disasters. You will be compensated to repair or replace your vehicle after you pay your deductible.

Who has the cheapest car insurance in Mississippi?

The best way to find the cheapest car insurance for Mississippi drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.