Best Car Insurance in Mississippi (2025)
State Farm, Allstate, and GEICO are three of the best car insurance companies in Mississippi.
Secure. Free. Easy-to-use.
Excellent
)
Written byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
Edited bySara Getman
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Table of contents
Shopping for car insurance can be challenging, and every driver has different needs and priorities. Your ZIP code, credit history, gender, driving record, and several other rating factors can influence the rates you get.
Mississippi drivers pay an average of $102 per month, but you can often find cheaper rates. Insurify analyzed more than 50 insurers to help you find the best car insurance in Mississippi.
Here’s what you need to know about finding coverage in Mississippi.
Best car insurance companies in Mississippi
Mississippi has plenty of good car insurance companies, but some stand out from the rest. Below are the five best car insurance companies for different types of drivers. These rankings are based on numerous factors, such as affordability, discounts, coverages, customer service, AM Best ratings and J.D. Power scores, and the number of policyholder complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.
State Farm: Best for affordability
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
4.1
Best choiceBased on 12,077 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,341)
Jared
Verified Review
Service
Reviewed in Louisiana on October 2025
Excellent service.
Barbara
Verified Review
Nice Agents
Reviewed in Pennsylvania on October 2025
They have always been very nice to me.
Steve
Verified Review
Where's the Discount?
Reviewed in Georgia on October 2025
I've been a customer for forty years with no accident claims and I'm a low mileage driver. Yet, my rates are always going up without a good reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the most affordable car insurance company for drivers in Mississippi, making it a good choice for people who prioritize their wallets. While State Farm is the cheapest, it’s also an excellent insurer, offering a range of coverages and discounts. Drivers who want to save money without sacrificing coverage quality should consider State Farm.
Pros
Above-average J.D. Power customer satisfaction rating in Mississippi
Expansive statewide network of exclusive local agents
Affordable rates
Cons
Accent forgiveness not available
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Trustpilot rating of 1.5 out of 5
Allstate: Best for customer service
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
3.9
A solid optionBased on 7,378 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,823)
Tiffany
Verified Review
EXCELLENT!!!
Reviewed in North Carolina on October 2025
Excellent!!! Excellent customer service!!! Excellent coverage for the $$$
Michele
Verified Review
Cost too high
Reviewed in New Jersey on October 2025
Allstate is too expensive for seniors.
Pete
Verified Review
Fair
Reviewed in Texas on October 2025
They keep raising your insurance every time it's time to renew, for no reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate is the best car insurance option for Mississippi drivers who prioritize customer service. The insurer has a wide network of exclusive and independent agents available to help customers and offers 24/7 chat support. Allstate also offers a variety of coverages and discounts, making it an all-around good choice for Mississippians.
Pros
Below-average number of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index
AM Best financial strength rating of A+ (Superior)
Numerous tools for easy customer support
Cons
Doesn’t offer a customer loyalty discount
Average rates higher than some competitors
Below-average J.D. Power customer satisfaction rating in the South Central region
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
4.0
Best choiceBased on 12,741 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,704)
Darlene
Verified Review
Good
Reviewed in California on October 2025
Service is good, but the cost is higher than is fair.
Lawrence
Verified Review
Customer service on hold
Reviewed in Florida on October 2025
They keep increasing the rates. I paid my insurance, and 5 days later, I received a bill for $56.00. I didn't see it in time, and they canceled my insurance. I spent 3 phone calls and about 4½ hours on the phone and got nowhere. One call was 2 hours and 20 minutes long. So I ventured out and found insurance for half the price I've been paying for 3 years. Thank you, Geico.
Kim
Verified Review
I am not happy with the increase in payments over time with Geico
Reviewed in Georgia on October 2025
My payments increase over time because I have to pay for general inflation in the economy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With nearly two dozen car insurance discounts, GEICO is the best option for Mississippi drivers looking to leverage discounts to get the best policy. The insurer offers drivers numerous coverage options as well, making it a well-rounded choice for Mississippi drivers. Drivers who can take advantage of multiple discounts can save quite a bit on their policies.
Pros
Reasonable rates
Plethora of discounts
Below-average number of complaints on the NAIC Complaint Index
Cons
Below-average J.D. Power customer satisfaction rating in the South Central region
Average rates higher than some competitors
Doesn’t offer gap insurance
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.9
Best choiceBased on 2,289 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,270)
Edward
Verified Review
USAA
Reviewed in South Carolina on October 2025
It's too high.
Remmington
Verified Review
Sometimes No Discounts - After 34 Years with Them
Reviewed in Arizona on October 2025
Better than most, but charges too much sometimes.
Jared
Verified Review
USAA doesn't give discounts
Reviewed in Florida on October 2025
They offer big discounts but then raise your rate by the amount of the discount, so they don't really give a discount.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best car insurance company for military families in Mississippi. It offers numerous reliable coverages and exclusive discounts for active-duty military members, veterans and eligible family members. USAA is a great choice for the nearly 180,000 veterans in Mississippi. The insurer also offers home insurance, allowing you to bundle it with your auto policy.
Pros
Above-average customer satisfaction rating from J.D. Power in the South Central region
AM Best financial strength rating of A++ (Superior)
Offers SafePilot usage-based telematics insurance
Cons
Coverage restricted to members of the military community
Higher-than-average number of complaints with the NAIC
No local offices in Mississippi
Hugo: Best for temporary coverage
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $168/mo |
4.5
Best choiceBased on 163 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (59)
Michael
Verified Review
Affordable and convenient
Reviewed in Georgia on October 2025
Wonderfully convenient.
Adrian
Verified Review
Hugo saves the day
Reviewed in Texas on September 2025
They were fast and convenient. Excellent company.
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is the best option for Mississippi drivers who want temporary car insurance coverage. Drivers can get on-demand coverage for a period of six months or as little as three, seven, 14, or 30 days. Hugo offers policyholders flexibility when it comes to payments as well, allowing them to pay smaller amounts at more frequent intervals.
Pros
Offers proof of insurance within minutes of signing up
Flexible payments
Multiple policy length options
Cons
Doesn’t offer discounts
Does not have agents
Limited coverage options
Our editorial team analyzed regional and national auto insurance companies that sell policies in Mississippi to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Mississippi
If you want to get the absolute best car insurance available in Mississippi, you should keep a few things in mind.[1]
Maintain a clean driving record
Keeping a clean driving record is one of the best ways to ensure you get the best car insurance in Mississippi. Infractions on your driving record almost always result in higher car insurance premiums, and serious ones can even cause you to lose your license. Insurers consider your driving history when setting rates, and good drivers always pay the least.
Consider your coverage level
Think about how much coverage you actually need before signing your policy. Consider how you use your vehicle, how often you drive, and whether you’re a safe driver. If you’re a frequent commuter and your drive is packed with traffic, you’ll want to carry both collision and comprehensive insurance. But if you drive infrequently and have an old car that’s not worth much, you may be okay with minimum coverage.
Utilize discounts
Car insurance discounts are a great way to ensure you have a good policy. Almost every car insurance company offers numerous discounts, and you likely qualify for a couple of them. A common discount is bundling home and auto insurance policies with the same insurer. Adding this and even one or two other discounts can save you quite a bit on your policy. Talk to an agent to see what you’re eligible for.
Read customer reviews
Make sure you understand your potential new car insurance company’s reputation before buying a policy. Don’t just go for the cheapest option without doing any research — it may not be worth the hassle if it’s difficult to deal with. Consider third-party ratings from J.D. Power and the NAIC. Additionally, read unfilitered customer reviews from Trustpilot, Google, and Reddit to get a better understanding of what to expect if you need to use your coverage.
Compare car insurance quotes
Always compare car insurance quotes from at least three car insurance companies before choosing a policy. This is one of the best ways to ensure you’re getting a good deal. Every insurance company weighs the various driving factors like age, location, and driving record differently. You might pay significantly less with one insurer than another for the same policy.
Find Cheap Car Insurance in Mississippi
Compare rates from leading insurers
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Mississippi
The average cost of car insurance in Mississippi is $102 per month, compared to the national average rate of $140. Mississippi drivers pay an average of $67 per month for liability coverage and $137 for a full-coverage policy.
The average annual cost of full coverage in Mississippi increased by 1% from December 2024 to June 2025. Many vehicle parts have become significantly more expensive in recent years, driving up repair costs and, in turn, insurance premiums.[2] This is why it’s so important to compare quotes before deciding on a company.
Best car insurance in Mississippi FAQs
If you still aren’t sure how to find a policy, check out this additional information about the best car insurance in Mississippi.
How much is car insurance in Mississippi?
Mississippians pay an average of $102 per month for car insurance. Monthly liability rates average $67, while full-coverage rates average $137 per month.
What are the best car insurance companies in Mississippi?
State Farm, Allstate, GEICO, USAA, and Hugo are the best car insurance companies in Mississippi. But each company is better in certain areas, so it’s important to compare quotes from each insurer. Consider what’s important to you in a policy when deciding on your coverage.
What is the required auto insurance coverage amount in Mississippi?
The required auto insurance coverage amount in Mississippi is $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance. Drivers can also satisfy these requirements by posting a bond or making a deposit equal to these amounts, but it’s typically better to buy an insurance policy.[3]
Related articles
)
Cheap Car Insurance Quotes in Mississippi Starting at $43
October 28, 2025
)
Cheap SR-22 Insurance in Mississippi
October 28, 2025
)
Car Insurance Requirements in Mississippi
October 28, 2025
Average Car Insurance Cost in Mississippi
April 29, 2025
)
How to Find Cheap Commercial Auto Insurance
February 14, 2025
)
How to Shop for Car Insurance
October 28, 2025
)
Can You Get Car Insurance Without a Permanent Address?
October 28, 2025
)
A Guide to New-Car Insurance
October 28, 2025
)
Best Cheapest Car Insurance in Tupelo, MS, From $36
October 28, 2025
)
Cheapest Car Insurance Quotes in Southaven, MS,
October 28, 2025
)
Cheapest Car Insurance Quotes in Oxford, Mississippi,
October 28, 2025
)
Cheap Car Insurance in Meridian, MS, Starting at $42
October 28, 2025
)
Cheapest Car Insurance Quotes in Madison, Mississippi,
October 28, 2025
)
Cheap Car Insurance in Jackson, MS, Starting at $49
October 28, 2025
)
Cheap Car Insurance in Hattiesburg, MS, Starting at $43
October 28, 2025
)
Best Cheap Car Insurance in Columbus, MS, from $40
October 28, 2025
Sources
- III. "How to save money on car insurance."
- How expensive parts on modern cars have driven up repair and insurance costs. "PBS."
- Official Website of the Mississippi Insurance Department. "Auto Insurance."
)
Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.