Cheap Car Insurance in Mississippi (With Quotes, August 2022)

Although car insurance in Mississippi is less expensive than the national average, you could probably be saving more than you know. The most important factor in getting affordable car insurance quotes in Mississippi is to shop around. Comparing multiple quotes using Insurify, the comparison tool that saves you time and money so that you can get back on the road.

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Some of the most affordable policies in the nation are found in Mississippi. Remember that different insurers offer varying rates, but even the big-name companies can offer savings on your premium. Motorists can expect to pay an average monthly cost of $103 to $229 for the cheapest car insurance policies, depending on the company.

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Cheapest Liability Auto Insurance in Mississippi

The amount of coverage you choose determines how much your insurance rates will be, so it’s important to know what you’re getting into. Still, choosing minimum liability auto insurance coverage typically leads to the cheapest rates. Drivers can find the lowest average monthly quote in Mississippi with National General at $67.

Cheapest Full-Coverage Auto Insurance in Mississippi

Full-coverage car insurance provides bodily injury liability protection for you, your passengers, and other drivers, as well as comprehensive coverage and collision coverage that help protect against damage to your vehicle from things like storms or accidents. However, it does not cover wear and tear like oil changes or brake repairs.

Shopping for cheap car insurance isn’t like shopping for a new phone or television. Each insurance company might offer the same type of policy, but each can vary coverage slightly to include more or less protection and access to perks like roadside assistance. The Insurify Composite Score (ICS) can help you quickly compare companies to find the best rates.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Mississippi insurance providers calculate quotes using many factors, including your driving and accident history. The more at-fault accidents, tickets, DUIs, and other infractions you have, the more you’ll pay for coverage. On the other hand, drivers with a clean driving record can pay significantly less.

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Cheap Car Insurance for Good Drivers in Mississippi

While no one likes paying for car insurance, buying coverage is a necessary part of living in today’s world. Having a clean driving record can help you save money. Typically, a good driver is someone without speeding tickets, at-fault accidents, or DUIs.

Cheap Car Insurance for Drivers with DUI in Mississippi

If you have a DUI on your record, you will pay more for car insurance. DUI stands for “driving under the influence.” Once convicted, auto insurers consider you a high-risk driver. Your rates may be higher, but finding affordable coverage is still possible. Consider companies like National General, Clearcover, and Progressive that offer great rates if you have a DUI.

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SR-22 Insurance in Mississippi

If you’re convicted of a serious traffic violation, you may need an SR-22. An SR-22 is a certificate that proves your auto policy meets the minimum coverage requirements for car insurance in Mississippi. Not all companies offer this type of coverage, but you may be able to get an SR-22 from select insurance providers in the Magnolia State.

Cheap Car Insurance for Drivers with an At-Fault Accident in Mississippi

Finding cheap car insurance quotes may be easy if you have a clean driving record. But what if you’ve been involved in an at-fault accident? If you’re at fault for an accident, you can expect your car insurance premiums to go up. The surcharge can decrease over time if you don’t cause any more accidents.

Cheap Car Insurance for Drivers with Speeding Tickets in Mississippi

Drivers who pay a ticket often only think about how much it will cost. They may not realize that traffic violations also affect auto insurance rates. Mississippi drivers with speeding tickets on their record will pay more for auto insurance coverage.

Some states ban insurers from using your credit score, but Mississippi isn’t one of them. Insurance companies can check your credit and use it as a factor when quoting your premiums. Typically, insurance companies view Mississippi drivers with poor credit scores as higher-risk—you can save money by improving your credit score.

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It’s no secret that teen drivers can cause your insurance rates to skyrocket. Young drivers, especially those under the age of 25, generally pay higher rates than older drivers. For example, in Mississippi, drivers under age 25 pay an average rate of $313, while the average cost drops to $191 once they reach their 30s.

Driving a car is expensive, but where you drive can have an even bigger impact on your wallet. If you live in one of the bigger cities in Mississippi or commute a significant distance to work every day, your insurance rates are likely to be higher than someone who lives closer to their workplace and drives less frequently.

Every state has minimum insurance requirements, and Mississippi is no exception. Additionally, all drivers in Mississippi will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Mississippi.

Minimum Car Insurance Requirements in Mississippi

All motor vehicles operated or parked on Mississippi roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Mississippi^[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Mississippi is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Mississippi DMV Information

The Mississippi DMV is called the Department of Public Safety (DPS). Drivers can find many services at their local office. For example, you can renew your license online, get a firearm permit, file for a change of address, and sign up for Mobile ID to get a digitized version of your driver’s license or ID card.

Public Transportation in Mississippi

Mississippians have access to limited public transportation options. The Coast Transit Authority (CTA) covers three coastal counties, while JTRAN in Jackson has fixed-route door-to-door bus service. Without an extensive public transit system, you can use a bicycle or rideshare services to get around the state if you don’t have a vehicle.

With coverage becoming more expensive, it’s tough to find affordable auto insurance quotes. Fortunately, there are several ways you can save money on your car insurance policy—including getting quotes online.

Shopping around to compare quotes is the most effective way to get the cheapest auto insurance in Mississippi. Instead of visiting multiple sites, use Insurify. You can get multiple quotes from the top insurers in Mississippi with a single click.