Cheap Car Insurance for Bad Credit Drivers in Mississippi:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Mississippi (2021)

For drivers with bad credit in Mississippi, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

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 car insurance for drivers with bad credit in Mississippi.

Bad Credit Car Insurance in Mississippi

If you find yourself in a position where you have bad credit and aren't sure what to do about auto insurance, all hope isn't lost. Although rates will more than likely be a little higher, there are still ways to find competitive rates while living in Mississippi.

For instance, not all cities in Mississippi treat bad credit the same way. Depending on where you live in the state, there are communities that are more lenient and offer competitive rates. Another popular option you can look into is working with a carrier that offers special pricing to those with poor credit.

Mississippi Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$176
$196
$198
$215
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Mississippi?

As to be expected, bad credit does have an impact on the insurance rates you receive in the state of Mississippi. However, the actual increase in price might not be as much as you would think. On average, drivers with bad credit tend to pay nine percent more than drivers with good credit.

Motorists who fall into the bad credit tier will pay about $216 more per year to maintain coverage on their vehicle. This isn't as expensive as other states, where drivers can pay more than $1,000 extra in coverage due to bad credit.

$199
$217
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$18 ▴Monthly Impact of Bad Credit on Rates
9.05% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Mississippi?

While there may be a few companies in Mississippi that will offer you auto insurance without a credit check, the price of the premiums is typically higher than what you can get with other providers. Often, shopping around with insurance companies that are more lenient toward bad credit is your best option for finding affordable coverage.

The main reason why insurance providers in Mississippi rely on credit ratings to determine your premium payments is that it is a good indicator of risk. The better your credit score, the more likely you are to pay your premiums on time and less likely to file a claim or participate in risky driving behaviors.

Mississippi Car Insurance Rates by Credit Tier

When it comes to credit tier, the biggest differences can be seen between those who rank as excellent and those who rank as poor. In Mississippi, drivers who are in the excellent tier pay on average $176 a month for coverage. Those in the poor credit tier pay $38 more, at an average of $214 per month.

Credit Tier
Excellent$176
Good$196
Average$198
Poor$215

Car Insurance Rates With Bad Credit in Mississippi Cities

Location is often one of the biggest determining factors when it comes to how much impact bad credit has on your auto insurance rates. For example, drivers who live in Biloxi tend to experience little impact to their rates when compared to a bigger city like Jackson.

CityCredit Tier
JacksonPoor$241
GulfportPoor$213
HattiesburgPoor$171
BiloxiPoor$164
SouthavenPoor$214
PicayunePoor$198

Tips for Researching Bad Credit Mississippi Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Mississippi draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.