Cheap Car Insurance in Mississippi (2023)

Mississippi drivers pay an average of $205 per month for auto insurance, which is cheaper than the national average of $233 per month. If you’re currently looking for a new policy, comparing quotes from car insurance companies can help you find cheap car insurance. To compare quotes, you’ll need to provide your ZIP code, vehicle type, driver information, and more.

Best cheap car insurance in Mississippi: State Farm

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State Farm

The Insurify data team collects and utilizes the latest information about the best car insurance in Mississippi — including financial strength, industry rankings, customer satisfaction, and more — to develop Insurify Composite Scores (ICS). Based on its ICS of 88 and average monthly quote of $90, State Farm provides the best cheap car insurance in Mississippi. Find quotes below.

Learn More: Best Car Insurance Companies

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 are:

• $25,000 per person and $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.^[1]

Mississippi DMV information

If you need to access driver and vehicle services for the state of Mississippi, you can do so online through the Department of Revenue for the State of Mississippi or the Mississippi Department of Public Safety.^[2] Drivers can apply for a new license or learner’s permit, renew their license, register their vehicles, and more. If you’d rather do business in person, you can sign up for an appointment to help avoid long lines.

Public transportation in Mississippi

Because Mississippi is a fairly rural state with a relatively small population, public transportation systems aren’t as developed as you might see in more densely populated areas. The best way to get around in Mississippi is by car, though some public transit options are available. You’re more likely to find bus services in larger cities like Jackson than in less populated areas.

Tips for getting cheap car insurance in Mississippi 

Shopping around for coverage is the best way to find cheap car insurance in Mississippi. Keep in mind the cost of insurance can vary based on several factors, including your location, age, driving record, credit score, and more. Taking the time to compare car insurance can help you understand the rates different providers are offering and secure the right policy.

Liability-only vs. full-coverage insurance in Mississippi

If you live in Mississippi, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Mississippi by policy type.

How your driving history affects Mississippi car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Mississippi. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Mississippi based on driving and accident history.

See More: High-Risk Car Insurance Mississippi

See More: SR-22 Car Insurance Mississippi

SR-22 insurance in Mississippi

If you’re caught driving under the influence and convicted of a DUI in Mississippi, you may need an SR-22 form to reinstate your license. An SR-22 proves that you meet the state’s mandated coverage requirements and that you’re a financially responsible driver. While some auto insurance companies offer SR-22s, not all of them do. Here are a few car insurers that offer them in Mississippi:

How credit scores affect Mississippi car insurance quotes

Unlike a handful of states, Mississippi allows auto insurers to consider and factor your credit history into the cost of your car insurance. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Mississippi

How your city affects Mississippi insurance quotes

Another factor car insurance companies in Mississippi use to calculate rates is your city. People in large cities or areas with high crime rates can generally expect to pay more for car insurance than those in smaller or less dense communities. Drivers in Richland have the highest rates for auto insurance in Mississippi, paying $313 per month on average. Those in Tupelo have the lowest rates on average, at just $176 per month. Find rates by city below.

How your age affects your Mississippi car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

In addition to factors like driving records and credit history, your age affects the cost of your car insurance in Mississippi. Teen drivers in Mississippi usually pay the highest rates for auto insurance coverage, at $469 per month on average. Drivers in their 60s and 70s generally pay the lowest rates for coverage in Mississippi, at just $131 and $135 per month on average, respectively.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others affect all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30.

Quotes for middle-aged drivers

Car insurance rates begin to fall for drivers once they reach 25. However, accidents — which cost insurers money when you file a claim — and DUIs can push rates higher for middle-aged drivers. The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59.

Quotes for senior drivers

Seniors generally pay the lowest car insurance rates of any age group. But as drivers grow older, rates begin to climb for those in their 60s, 70s, and 80s. Having an accident can make it difficult for senior drivers to find insurance. The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. 

Mississippi car insurance FAQs

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 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

• Accidents in Mississippi

  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%
• DUIs in Mississippi

  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 in Mississippi

  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%
• Rude Driving in Mississippi

  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%
• Speeding in Mississippi

  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%
• Failure to Yield Rates in Mississippi

  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.