Best Car Insurance in Mississippi (2026)
GEICO, State Farm, and Progressive are a few of the best car insurance companies for Mississippi drivers.
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Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Qualifications:
7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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.
Best car insurance companies in Mississippi
Our team selected five of the best Mississippi car insurance companies from 120+ auto insurance companies. We looked at pricing data, financial strength metrics, customer satisfaction rankings, available discounts, and more to determine the best companies for Mississippi drivers.
Below, you can learn more about Mississippi’s top insurers to start your search for the best car insurance company for your needs.
GEICO: Best overall
| 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. | 9.2 /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. | $79/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. | $155/mo |
4.1
Best choice in MississippiBased on 21,126 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Mississippi for
Showing 8 reviews from Mississippi driversSee all 8,316 GEICO reviews
Verified Review
Reviewed in Mississippi on July 11, 2026
Acceptable, but more expensive than other insurance options.
Verified Review
Reviewed in Mississippi on July 3, 2026
The rates are too high for the age of my vehicle.
Verified Review
Reviewed in Mississippi on June 25, 2026
I have mixed feelings about Geico because they have tried to increase my premium every time it was time to renew my insurance after 6 months. I pay close to $160.00 for one vehicle, with no DUIs on my record, and I'm nearing 60 years old. I think that's ridiculous.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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
GEICO offers affordable premiums and a strong record of customer satisfaction in the Southeast region, making it a great choice for Mississippi drivers. GEICO also has an A++ (Superior) financial strength rating from AM Best, which means it can reliably pay out claims.
Mississippi has more than 86,500 licensed teen drivers aged 19 or younger and another 171,000 aged 20 to 24. Young drivers in Mississippi, who typically face higher premiums, can benefit from GEICO’s discounts, including good student, student away at school, defensive driving, and driver training course discounts.
Pros
Above-average JD Power customer satisfaction rating in the Southeast region
Only two complaints filed in Mississippi in 2025 with the National Association of Insurance Commissioners (NAIC)
Strong selection of discounts
Cons
Limited coverage add-ons
Below-average claims satisfaction rating from JD Power
Some insurers have more competitive rates in Mississippi
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. | $47/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. | $89/mo |
4.9
Best choice in MississippiBased on 4,354 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Mississippi for
Showing 4 reviews from Mississippi driversSee all 1,732 USAA reviews
Verified Review
Reviewed in Mississippi on April 30, 2026
The lady I talked to was very knowledgeable, patient, and professional in every way. The only problem I have with all insurance companies is that I can’t drop comprehensive insurance without dropping collision. It seems like a tactic by insurance companies to take more money from people who don’t need comprehensive coverage. I’ve lived in my house for 20 years, and the chances of my car getting stolen are really slim. There are no trees close enough to fall on and destroy my car. I live in the city and seldom drive at night, so my chances of hitting a deer are very slim. My car is completely paid for and not financed, so why can’t I drop comprehensive coverage? I don’t need it and haven’t for a long time!
Verified Review
Reviewed in Mississippi on January 15, 2026
Rates keep increasing.
Verified Review
Reviewed in Mississippi on December 16, 2025
Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
Veterans make up more than 5% of Mississippi’s population, according to U.S. census data. Active-duty military members, retired veterans, and their families qualify for USAA auto insurance. USAA outranks competitors for claims and customer satisfaction while offering some of the lowest premiums in the state.
Pros
Top ranking for customer satisfaction from JD Power in the Southeast region
Above-average claims satisfaction rating from JD Power
Discounts for military members
Cons
Available only to military members and their families
Some companies offer higher bundling discounts
Gap coverage only available as a broader replacement add-on
State Farm: Best for cheap coverage
| User Reviews | 4.2 |
|---|---|
| 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. | $45/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. | $87/mo |
4.2
Best choice in MississippiBased on 21,479 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Mississippi for
Showing 18 reviews from Mississippi driversSee all 8,259 State Farm reviews
Verified Review
Reviewed in Mississippi on September 25, 2026
State Farm was a good company years ago, but now their customer service skills have declined.
Verified Review
Reviewed in Mississippi on August 24, 2026
If you file a claim, be ready to pay.
Verified Review
Reviewed in Mississippi on August 2, 2026
It’s as if they don’t want you to contact your agent. They want to send generic text messages, and the agent’s answering machine is very consumer-unfriendly, in my opinion.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
Mississippi has a relatively low median income and a high poverty rate. Mississippi drivers seeking affordability can turn to State Farm, which offers some of the lowest average car insurance rates in the state. Even drivers with a poor credit history and a driving incident on their record can see lower average premiums from State Farm.
Pros
Cheap average premiums in Mississippi
Below-average amount of NAIC complaints
Strong claims satisfaction rating from JD Power
Cons
Below-average customer satisfaction rating from JD Power in the Southeast region
Gap insurance not available
Doesn’t offer all discounts in Mississippi
Progressive: Best for homeowners
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| 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. | 8.7 /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. | $54/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. | $121/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Mississippi for
Showing 17 reviews from Mississippi driversSee all 9,243 Progressive reviews
Verified Review
Reviewed in Mississippi on October 27, 2026
Expensive. Even as the car’s value diminishes, the insurance premium goes up disproportionately. They treat even the smallest incidents as an accident, and their algorithm seems to penalize not-at-fault accidents.
Verified Review
Reviewed in Mississippi on October 8, 2026
Great.
Verified Review
Reviewed in Mississippi on July 30, 2026
Progressive is the #1 rated in Mississippi. I compared a bunch of sites, and every one kept coming back with Progressive as the top-rated option.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.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
Mississippi homeowners — especially those on the Gulf Coast — can benefit from bundling home and auto insurance with Progressive. The company claims that new bundling customers save an average of 25% when they switch.
Progressive is one of the largest private car insurance companies in the U.S. It has an AM Best financial strength rating of Superior (A++), and its rates are quite competitive.
Pros
Low average car insurance rates in Mississippi
Strong local agent presence
Below-average amount of NAIC complaints
Cons
Below-average customer satisfaction in the Southeast region
Fewer discounts than some other companies
Low claims satisfaction rating from JD Power
National General: Best for full-coverage policies
| User Reviews | 3.8 |
|---|---|
| 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. | 7 /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. | $69/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. | $119/mo |
3.8
A solid option in MississippiBased on 1,580 verified driver reviews and ratings
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
Based on analysis of verified reviews collected by Insurify
Best in Mississippi for
Showing recent national reviews
Verified Review
Reviewed in Arizona on October 26, 2026
I had one claim, and it was handled quickly without any trouble. It was for our fifth wheel. We have a truck and trailer policy.
Verified Review
Reviewed in New Jersey on October 22, 2026
Always drive safely and avoid getting traffic tickets.
Verified Purchase
Reviewed in Michigan on October 20, 2026
I was with National General a few years back, and overall I had a good experience. They allowed me to switch from a 6-month to a 12-month policy, which reduced my rate and overall cost. Most auto insurers don’t offer 12-month vehicle policies.
The downside is that billing updates can take a while to catch up when you make changes like switching from a 6-month to a 12-month policy. I kept getting letters about possible cancellation due to payment discrepancies.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
602
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
A.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
National General provides Mississippi drivers with affordable rates on full-coverage auto insurance. Mississippi has some of the highest rates of uninsured drivers, as well as accident fatalities, in the country. Full coverage, which includes comprehensive coverage and collision coverage, can protect your vehicle in the event of an accident.
National General also provides an emergency expense allowance to cover transport, food, or accommodation if a covered claim disrupts your plans.
Pros
AM Best financial strength rating of A- (Excellent)
Also offers motorcycle and RV insurance
Financial backing of its parent company, Allstate
Cons
High number of NAIC customer complaints
Below-average customer satisfaction rating from JD Power in the Southeast region
Below-average claims satisfaction rating from JD Power
How we chose the best car insurance companies in Mississippi 
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.
Average cost of car insurance in Mississippi
The average cost of car insurance in Mississippi costs an average of $89 per month for liability coverage and $186 for full coverage. The national average is slightly higher, likely in part because Mississippi has a much lower population density than the country as a whole.[1]
That said, Mississippi drivers face risks that may increase their car insurance premiums. Mississippi has the highest rate of uninsured drivers in the U.S., with 28% of drivers not having car insurance, according to Insurance Research Council data.
Drivers in the state also suffer more than double the traffic fatalities per driver than the national average, making it the deadliest driving state in the country, according to data from the Insurance Institute for Highway Safety.[2]
Insurify data projects that average Mississippi car insurance rates will increase by about 5% in 2026. For comparison, Insurify estimates that national rates will only increase by about 1%.
Find Cheap Car Insurance in Mississippi
Liability quotes start at $45/mo.
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4.7 out of 5 based on 18,038 reviews
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How to get the best car insurance in Mississippi
You can follow these tips to make the most of your Mississippi car insurance and protect your liability and assets at the best price possible:
Buy uninsured/underinsured (UM/UIM) motorist insurance
More than 1 in 4 drivers on Mississippi roads have no insurance. Many more will have inadequate insurance, which will cause problems if you need to make a claim on their policy. Having UM/UIM coverage can protect you financially if you experience this.
Avoid coverage gaps at all costs
A lapse in insurance coverage is bad for your insurance record and your future rates. And, if law enforcement pulls you over in Mississippi without proof of insurance, you can face a penalty of $1,000.[3]
Compare quotes
Prices are rising in Mississippi faster than in the U.S. as a whole. In a changing marketplace, you need to make the extra effort to find companies that are bucking these trends.
Consider higher limits than the state requirements
Citing the increasing cost of auto repairs and medical services, the Mississippi Insurance Department recommends that you buy higher limits than the state-required minimum liability insurance.
Protect your car with a full-coverage auto policy
If you can afford the premiums, it can pay off to protect your car with collision coverage and comprehensive coverage in Mississippi. The state has high crash and uninsured-driver rates, so it helps to have coverage for your own vehicle.
Best car insurance in Mississippi FAQs
Find answers to your remaining questions about the best car insurance in Mississippi below.
What is the average cost of car insurance in Mississippi?
In Mississippi, car insurance costs $89 per month for liability coverage and $186 for full coverage. How much you pay for car insurance will depend on your driving record. To find the cheapest car insurance in Mississippi, you should compare quotes from multiple insurers.
What factors should you consider when choosing the best car insurance in Mississippi?
The Mississippi Insurance Department counsels drivers to consider a company’s financial strength rating, discounts, customer service reputation, and coverage options alongside its prices when choosing the best car insurance company for you.
Which companies offer the best car insurance discounts in Mississippi?
Progressive offers a strong bundling discount in Mississippi, while GEICO offers discounts for federal employees and military personnel. You can check with specific companies to see which discounts might fit your driver profile, based on your driving history, insurance details, and more.
Is it better to have a $500 or $1,000 deductible?
The best deductible for you depends on your situation. A higher deductible can help lower your premiums. Whatever deductible you choose for your comprehensive and collision coverage, make sure you can pay it in full in the event of a claim.
Sources
- United States Census Bureau. "QuickFacts Mississippi."
- Insurance Institute for Highway Safety. "Fatality Facts 2024 State by state."
- Mississippi Insurance Department. "Auto Insurance."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Qualifications:
7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.