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Cheap Auto Insurance Quotes in Mississippi (January 2022)
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Last Updated: January 2022
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 companies 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.
| Cheapest Companies | |
|---|---|
Progressive | $33/mo |
 State Farm | $54/mo |
 Allstate | $72/mo |
 Travelers | $123/mo |
 Direct Auto | $147/mo |
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 company reviews. The following are the top rated companies that offer car insurance in Mississippi. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $264/mo | |
State Farm | $54/mo | |
Allstate | $72/mo | |
 Liberty Mutual | $162/mo | |
Progressive | $33/mo | |
Travelers | $123/mo |
Car Insurance in Mississippi
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Mississippi to find you the cheapest quotes in each of these metropolitan areas.
Mississippi's most populous city is Jackson.
Quotes by Top Companies
Quotes ($/mo)
$35
$68
$154
$170
$189
$217
ProgressiveState FarmTravelersDirect AutoThe GeneralLiberty Mutual
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Jackson | Progressive | $35/mo |
| Gulfport |  State Farm | $83/mo |
| Southaven | State Farm | $78/mo |
| Hattiesburg | State Farm | $67/mo |
| Biloxi | State Farm | $82/mo |
| Meridian | State Farm | $64/mo |
| Tupelo |  Travelers | $126/mo |
| Olive Branch | State Farm | $78/mo |
| Greenville | Travelers | $145/mo |
| Horn Lake | State Farm | $82/mo |
| Pearl | State Farm | $87/mo |
| Madison | State Farm | $74/mo |
| Clinton | State Farm | $73/mo |
| Starkville | State Farm | $54/mo |
| Ridgeland | Progressive | $33/mo |
| Vicksburg | State Farm | $69/mo |
| Columbus | State Farm | $69/mo |
| Brandon | Travelers | $145/mo |
| Pascagoula | State Farm | $73/mo |
| Oxford | State Farm | $65/mo |
Cheapest Liability Auto Insurance in Mississippi
For drivers in Mississippi, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Mississippi. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Mississippi.
| Cheapest companies | |
|---|---|
 National General | $67/mo |
Progressive | $68/mo |
 Safeco | $87/mo |
Travelers | $103/mo |
 Bristol West | $104/mo |
Cheapest Full Coverage Auto Insurance in Mississippi
For drivers in Mississippi, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Mississippi. The following are the best insurance rates from carriers that offer full coverage auto insurance in Mississippi.
| Cheapest companies | |
|---|---|
National General | $132/mo |
Progressive | $149/mo |
Travelers | $173/mo |
Direct Auto | $174/mo |
Safeco | $182/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.
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 Company | |
|---|---|
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 Company | |
|---|---|
Foremost Signature | $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.
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 Company | |
|---|---|
Hastings Mutual | $35/mo |
Secura | $38/mo |
Foremost Signature | $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 Company | |
|---|---|
Hastings Mutual | $32/mo |
Foremost Signature | $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. Foremost Signature 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 Company | |
|---|---|
Foremost Signature | $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.
For more detailed rates on specific personas and driving histories, use our Mississippi insurance rate resources.
Insurify Insights: How Mississippi Drivers Measure Up
Moving Violations Rank
Mississippi
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Mississippi drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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. Among all fifty states, Mississippi drivers rank 50 in the number of car accidents per driver.
- Rank of States: #50
- Percent of drivers in Mississippi with an accident: 7.16%
- Drivers in MS with an accident in their driving history paid on average 38.95% more than drivers with a clean record
Speeding in Mississippi
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Mississippi drivers rank 29 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #29
- Percent of drivers in Mississippi with a speeding ticket: 9.7%
- Drivers in MS with a speeding ticket in their driving history paid on average 34.3% more than drivers with a clean record
DUI/DWIs in Mississippi
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Mississippi drivers rank 41 in the number of DUI’s per driver across all fifty states.
- Rank of States: #41
- Percent of drivers in Mississippi with a DUI: 1.38%
- Drivers in MS with a DUI in their driving history paid on average 10.47% more than drivers with a clean record
Most Popular Vehicle in Mississippi
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Mississippi is the Nissan Altima.
Rude in Mississippi
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Mississippi drivers rank 23 in rude driving infractions.
- Rank of States: #23
- Percent of drivers in Mississippi with a reckless driving violation: 1.42%
- Drivers in MS with a reckless driving violation in their driving history paid on average 37.79% more than drivers with a clean record.
Safest Drivers in Mississippi
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Mississippi drivers rank 9 in clean driving records across all fifty states.
- Rank of States: #9
- Percent of drivers in Mississippi with clean record: 83.5%
Street Racing in Mississippi
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Mississippi drivers rank 26 in street racing violations per driver.
- Rank of States: #26
- Percent of drivers in Mississippi with a street racing violation: --%
Failure to Yield the Right of Way in Mississippi
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Mississippi drivers rank 41 in failure to yield violations per driver across all fifty states.
- Rank of States: #41
- Percent of drivers in Mississippi with a failure to yield violation: 0.26%
- Drivers in MS with a failure to yield violation in their driving history paid on average 41.86% more than drivers with a clean record
Reckless Drivers 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. Among all fifty states, Mississippi drivers rank 33 in the number of reckless driving offenses per driver.
- Rank of States: #33
- Percent of drivers in Mississippi with a reckless driving offense: 0.07%
Hybrid/Electric Vehicle Ownership in Mississippi
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Mississippi drivers rank 43 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #43
- Percent of drivers in Mississippi with a hybrid/electric vehicle: 0.56%
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.
Long Beach
% of Hybrids / Electrics
3%
Most Patriotic City
Gulfport
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 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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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