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Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Discount Type | Maximum Advertised Savings |
|---|---|
| Telematics/safe-driving program | Up to 40% with Nationwide |
| Multi-car | Up to 25% with Allstate |
| Home and auto bundling | Average of 20% with Allstate |
| Good student | Up to 10% with USAA |
| Defensive driving course | Up to 10% with GEICO |
| Accident-free | Up to 10% with Nationwide |
| Vehicle safety equipment | Average of 5% |
| Student away at school | Not publicly specified |
| Claims-free | Not publicly specified |
| Low mileage | Not publicly specified |
| Homeowner | Not publicly specified |
| Paperless billing | Not publicly specified |
| Occupational/affinity | Not publicly specified |
| Paid in full | Not publicly specified |
| Automatic payments/EFT | Not publicly specified |
| Continuous insurance | Not publicly specified |
| Online quote or purchase | Not publicly specified |
Car insurance discounts vary by insurer. We chose the following as some of the best auto insurance companies for discounts in Mississippi.
| 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. | $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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm offers some of Mississippi’s lowest average rates. In addition to the savings you can earn with the Drive Safe & Save and Steer Clear programs, State Farm offers numerous discounts. These include good driving, multiple automobiles, multiple line, defensive driving course, and vehicle safety discounts.
Savings of up to 30% through Drive Safe & Save
Low average Mississippi rates
Steer Clear savings for drivers younger than 25
Many discount amounts undisclosed
Defensive driving discount limited to ages 55-plus
Slightly below-average J.D. Power customer satisfaction ranking in the Southeast[1]
| 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. | 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. | $71/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. | $131/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Allstate offers several substantial savings opportunities for Mississippi drivers. Its state page advertises up to 30% with Drivewise, 25% for insuring multiple vehicles, and average savings of 20% for home and auto bundling.
Wide network of local agents throughout Mississippi
J.D. Power customer satisfaction ranking matches the Southeast region average
Many available discounts
Higher rates than competitors
Some savings amounts are undisclosed
No low-mileage discount listed for Mississippi
| 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. | $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. | $153/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
GEICO offers an extensive discount menu spanning safe driving, vehicle equipment, students, multi-vehicle, affiliations, and policy choices. Its average Mississippi quotes are below the statewide average.
15 listed discount options
Above-average J.D. Power customer satisfaction ranking in the Southeast
Below-average Mississippi rates
Pricier than competitors
No local Mississippi agents listed
Home insurance bundled through third parties
Mississippi drivers can often find substantial savings through enrolling in a telematics program, insuring multiple vehicles, and bundling policies. Savings and eligibility requirements vary by insurer and driving history.
Some discounts won’t apply if you’ve had an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction, or if you need an SR-22.
Discount Type | Potential Savings | Eligibility Criteria | Mississippi Insurer With Largest Discount |
|---|---|---|---|
| Telematics | Up to 40% | Enroll and meet program requirements | Nationwide |
| Multi-car | 25% | Insure multiple vehicles | Allstate |
| Home and auto bundling | 20% average | Purchase two or more eligible policies | Allstate |
| Good student | Up to 10% | Meet academic and age requirements | USAA |
| Defensive driving | Up to 10% | Complete an approved course | GEICO |
| Accident-free | Up to 10% | Maintain an accident-free driving record | Nationwide |
Nationwide advertises some of the largest potential savings through its SmartRide program, with discounts of up to 40%. Allstate also advertises substantial savings for Mississippi drivers, including a 25% multi-car discount and an average savings of 20% when bundling home and auto insurance.
Maximum advertised discounts aren’t guaranteed, so compare final quotes after insurers apply all available savings.
Check quotes from 120+ top insurance companies
Some of the easiest car insurance discounts to qualify for in Mississippi require little more than changing how you purchase or manage your policy. Paperless billing, automatic payments, and online quote discounts are options that many drivers can access without age or driving history requirements.
Mississippi also requires insurers to offer a discount to drivers aged 55 and older who complete a Mississippi Department of Public Safety-approved accident-prevention course. The discount lasts three years and can apply to eligible liability, personal injury protection (PIP), and collision coverage, subject to certain conditions.[2]
The following table shows Mississippi discounts with relatively simple eligibility requirements.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Paperless | Varies | Agree to receive policy documents electronically |
| Auto pay | Varies | Set up recurring automatic payments |
| Online quote | 7% average nationally | Request a quote online |
| Continuous coverage | Varies | Maintain uninterrupted insurance coverage |
| Homeowner | Varies | Provide proof of homeownership |
| Mature driver | Varies | Be 55 or older and complete a state-approved course |
Mississippi drivers may qualify for multiple discounts on the same policy. Follow these tips to maximize your savings:
Stack eligible discounts. Ask your insurer whether you can combine discounts.
Check occupational eligibility. Ask about discounts for eligible teachers, farmers, first responders, military members, and government employees.
Ask about bundling. Ask if bundling home and auto insurance will lower your total insurance costs.
Consider a defensive driving course. If you’re 55 or older, completing a Mississippi-approved course can qualify you for a three-year discount.
Compare final quotes. Make sure your quotes reflect each discount you qualify for, then compare quotes with the same coverage limits and deductibles across insurers.
Mississippi auto insurance companies use different methods to apply discounts. Some apply automatically, while others require documentation or additional verification.
Identify available discounts. Check your insurer’s available discounts online or ask your agent which discounts you qualify for.
Provide proof of eligibility. Submit any required documentation, such as a course-completion certificate, proof of student status, or proof of occupation.
Complete enrollment. Follow your insurer’s instructions to enroll and activate discounts.
Verify your savings. Review your updated quote or policy to verify that all eligible discounts were applied.
Insurify partners with 120+ top insurers for real-time quotes
Mississippi drivers pay an average of $89 per month for state-minimum insurance, including bodily injury liability and property damage liability, and $186 for full coverage, according to Insurify data.
These rates are slightly below the national monthly averages of $99 for liability insurance and $187 for full coverage. Average rates in Mississippi are higher than in neighboring Alabama, Arkansas, and Tennessee but lower than in Louisiana.
Full-coverage costs rose 3.6% in the first half of 2026, and Insurify projects a 4.7% increase for the full year.
The table below compares average monthly rates for liability-only and full-coverage policies from the cheapest car insurance companies in Mississippi.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $45 | $87 |
| USAA | $47 | $89 |
| Progressive | $54 | $126 |
| Bristol West | $66 | $172 |
| Direct Auto | $68 | $134 |
| National General | $68 | $118 |
| Allstate | $71 | $131 |
| GEICO | $79 | $153 |
| The General | $86 | $332 |
| Travelers | $89 | $170 |
| Trexis One | $90 | $222 |
| Safeco | $92 | $132 |
| First Acceptance | $94 | $240 |
| Mendota | $94 | $214 |
| GAINSCO | $96 | $240 |
| Root | $99 | $151 |
| Shelter | $114 | $220 |
| Liberty Mutual | $142 | $231 |
| Dairyland | $147 | $370 |
Mississippians have several opportunities to reduce their auto insurance costs, including a discount tied to a state-approved driving course. Below are answers to common questions to help you find car insurance discounts in Mississippi.
Mississippi insurers offer various discounts, including safe-driver, multi-car, bundling, good student, payment, and vehicle-safety discounts. Drivers aged 55 and older can qualify for a state-required discount after completing an approved course.
Yes. You can compare Mississippi car insurance quotes online, and some insurers offer discounts for obtaining a quote or purchasing online. Compare identical coverage limits and deductibles to find the lowest overall cost.
Auto insurance is expensive in Mississippi for several reasons. More than 28% of the state’s drivers are uninsured — the highest percentage in the nation, according to the Insurance Research Council. [3] Mississippi also has the nation’s highest rate of fatal motor vehicle crashes, according to the Insurance Institute for Highway Safety.[4]
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:
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Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
