Cheapest Auto Insurance in Mississippi (2025)
Mississippi drivers will find the cheapest rates from State Farm, with liability policies that start at $35 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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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.
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Table of contents
Car insurance in Mississippi averages $204 per month for full coverage and $91 per month for liability coverage, Insurify data shows. This is less than the national monthly averages of $197 and $105, respectively.
The Magnolia State’s relatively low population density of 63 people per square mile likely contributes to its lower average car insurance costs. Here’s what you need to know about finding cheap car insurance in Mississippi.
Quick Facts
Mississippi drivers with a speeding ticket, accident, or DUI on their records could see their monthly liability rates increase to an average of $118.
Mississippi drivers pay an average of $2,445 per year for a full-coverage policy.
State Farm, USAA, and Allstate offer the cheapest car insurance in Mississippi.
3 of the cheapest car insurance companies in Mississippi
The right insurer for you depends on your unique budget, coverage preferences, and driving record. Three of the cheapest auto insurers in Mississippi include National General, USAA, and Hugo — each offering the most affordable coverage in different categories.
National General
| User Reviews | 3.4 |
|---|---|
| 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. | 6.8 /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. | $61/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 |
3.4
A solid optionBased on 446 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (228)
Marsha
March 10, 2025
Verified Review
National General has become too expensive
The rates have become too expensive now.
Richard
March 9, 2025
Verified Review
Check out options
Check out options.
Darryl
March 8, 2025
Verified Review
Overcharged
National General takes advantage of drivers whose credit is under 700.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.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
A subsidiary of Allstate, National General offers non-standard car insurance for high-risk drivers. The company offers additional coverage options, as well as multi-policy and multi-vehicle discounts.
An AM Best rating of A+ (Superior) represents solid financial strength and the ability to pay its claims. But its customer satisfaction could improve. National General received a higher-than-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC).
Pros
Specializes in non-standard policies for high-risk drivers
Offers DynamicDrive safe-driving program
Can file an SR-22 on your behalf, if needed
Cons
Gap insurance not available
Many online complaints
Low J.D. Power customer satisfaction rating (863 out of 1,000)
USAA
| 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. | 9.4 /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. | $36/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. | $76/mo |
4.9
Best choiceBased on 1,774 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 (1,017)
Rose
March 11, 2025
Verified Review
You would be paying for nothing
They are not truthful about covering your vehicle repairs. My vehicle was damaged by rubber on the road and required $2000 worth of repairs. They approved the repairs, but they were never carried out. Later, they claimed a check was paid but refused to provide proof or even the name of the payee. Meanwhile, I was left for 2 years with my car held together by zip ties instead of being repaired. Then they reported that I was in a preventable accident. A giant piece of tire rubber on the road at highway speeds at night with a car on either side of me, and it was my fault? They were not honest throughout the process.
Tina
March 11, 2025
Verified Review
USAA
I love USAA.
Lizy
March 10, 2025
Verified Review
Expensive
Fantastic, just expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 focuses on car insurance and a variety of other products for active-duty, veterans, and reserve members and their families. The company has 10 advertised discounts, and policyholders benefit from affordable rates. An AM Best rating of A++ (Superior) shows strong financial strength. Beyond standard coverage options, USAA doesn’t have many available additional coverages.
Pros
Accident forgiveness and new-car replacement available
Offers usage-based SafePilot telematics insurance program
Variety of discounts
Cons
Only for military members, veterans, and their families
Gap insurance not available
Limited customer service hours
Hugo
| 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. | 7.0 /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. | $129/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. | $NaN/mo |
4.1
Best choiceBased on 137 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 (53)
Larry
March 10, 2025
Verified Review
Good Experience
The experience was good, but it was becoming too expensive.
Alphonso
March 4, 2025
Verified Review
Hugo is Ideal for Low-Income, Infrequent Drivers
Okay.
Sara
February 15, 2025
Verified Review
Hugo: Immediate, Hassle-Free Insurance
Just make sure you're covered if you're driving; that's all you have to do.
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 launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.
Pros
Short-term policies
No up-front down payment required
Flexible, pay-as-you-go insurance
Cons
Only available in 13 states
Doesn’t offer collision or comprehensive coverage
No discounts available
How to get the cheapest car insurance in Mississippi
Each car insurance company offers its own variations in available coverage, policy specifics, and more. These tips can help you find affordable coverage:[1]
Shop around. If you go with the first car insurance company you come across, you might pay more than you have to for a policy. Get quotes from several car insurance companies to zero in on the cheapest rates.
Look for discounts. Most car insurance companies offer a variety of discounts. Common discounts you might qualify for include good driver, anti-theft device, and loyalty discounts.
Drive safely. Driving violations, like speeding tickets and DUIs, can increase your car insurance costs significantly. Do your best to drive responsibly and avoid accidents.
Consider usage-based insurance. If you don’t drive a lot, usage-based or pay-per-mile insurance can save you money. You’ll only pay for the miles you drive. This may make sense for retirees and remote workers.
Find Cheap Car Insurance in Mississippi
Liability rates start at $35 per month
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Cheapest liability-only car insurance quotes in Mississippi: State Farm
To drive legally in Mississippi, you must have the minimum-required liability-only car insurance, which covers the other driver’s property damage and injuries after an at-fault accident.
Liability-only coverage in Mississippi costs an average of $91 per month.
The following table shows monthly liability-only quotes from top insurers in Mississippi.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| USAA | $36 |
| Allstate | $58 |
| Progressive | $58 |
| Nationwide | $60 |
| National General | $61 |
| GEICO | $61 |
| Travelers | $69 |
| Bristol West | $71 |
| Root | $78 |
| Safeco | $81 |
| Shelter | $89 |
| Clearcover | $98 |
| Foremost | $103 |
| GAINSCO | $104 |
| Hugo | $129 |
| Dairyland | $136 |
| Liberty Mutual | $148 |
| Direct Auto | $168 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Mississippi: State Farm
Full-coverage car insurance usually includes liability, collision, and comprehensive insurance. If you have a car loan or lease, your lender or leasing company may require you to invest in a full-coverage policy.
Mississippi drivers pay $204 per month, on average, for a full-coverage policy.
The following table illustrates monthly full-coverage quotes from top car insurance companies for Mississippi drivers.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| USAA | $76 |
| National General | $118 |
| Allstate | $120 |
| Progressive | $121 |
| Nationwide | $124 |
| GEICO | $126 |
| Safeco | $128 |
| Travelers | $144 |
| Root | $145 |
| Clearcover | $157 |
| Shelter | $186 |
| Bristol West | $196 |
| Liberty Mutual | $238 |
| Foremost | $281 |
| GAINSCO | $341 |
| Dairyland | $352 |
| Direct Auto | $438 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Mississippi
Recent Mississippi car insurance prices for Mazda, GMC, Ford , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Because teen drivers have minimal experience behind the wheel and a greater likelihood of getting in a car accident, auto insurers charge them the highest premiums. Average rates by age group usually decrease around age 25 and increase slightly around age 70. Per miles driven, senior drivers have a higher mortality rate in car accidents than younger drivers.[2]
In the table below, you can see how much Mississippi drivers pay for car insurance by age group.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $162 $362 Adult drivers $89 $200 Senior drivers $70 $157 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Mississippi
Mississippi is an at-fault — or tort — state, which means the driver who caused an accident must cover the costs of any damage and injury they caused drivers or passengers in another vehicle.
Drivers in the state must carry bodily injury and property damage liability coverage, though purchasing more coverage provides more robust protection. Failure to show proof of insurance could result in financial and legal consequences.[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Any coverage beyond the minimum liability coverage is optional for Mississippi drivers. But insurance professionals typically recommend full coverage since it offers greater financial protection.
Common optional car insurance coverages include:
Comprehensive coverage
Comprehensive insurance protects you from non-collision-related incidents that damage your car, like theft and glass breakage. This coverage kicks in following natural disasters, vandalism, fire, and civil unrest.
Collision coverage
If your car needs repairs or replacement after an accident with another vehicle or object, collision coverage applies regardless of fault. It also covers rollover accidents and pothole damage.
Uninsured/underinsured motorist coverage
Mississippi has the highest percentage of uninsured drivers in the U.S., so you should consider purchasing an uninsured motorist policy to protect you if you get into an accident with an uninsured driver. It also provides coverage for hit-and-run accidents.
Medical payments coverage
Similar to personal injury protection (PIP) coverage, medical payments coverage can pay for your medical bills following an accident, even if you caused it.
Cheapest car insurance in Mississippi by driving record
At-fault accidents, speeding tickets, and DUIs on your record can influence your insurance costs. If you have an incident on your record, car insurance companies typically view you as a riskier driver and, in turn, increase your premiums. Drivers with clean records pay the lowest rates.
For example, Mississippi drivers with a clean record pay an average of $91 per month for a liability policy. But Mississippi drivers with a DUI pay $146 per month.
See how Mississippi liability car insurance rates change based on different driving incidents in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $45 | $46 | $57 |
| USAA | $46 | $48 | $58 |
| Allstate | $75 | $78 | $94 |
| Progressive | $75 | $79 | $94 |
| Nationwide | $78 | $81 | $97 |
| National General | $79 | $81 | $99 |
| GEICO | $79 | $82 | $99 |
| Travelers | $90 | $93 | $111 |
| Bristol West | $93 | $95 | $115 |
| Safeco | $107 | $111 | $126 |
| Root | $110 | $113 | $114 |
| Shelter | $120 | $126 | $131 |
| Clearcover | $126 | $143 | $158 |
| Foremost | $142 | $146 | $166 |
| GAINSCO | $143 | $133 | $168 |
| Hugo | $163 | $183 | $208 |
| Dairyland | $175 | $181 | $220 |
| Liberty Mutual | $204 | $210 | $239 |
| Direct Auto | $218 | $230 | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find the Best Car Insurance in Mississippi
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Where you live in Mississippi can affect the rates you pay for car insurance. A city’s traffic volume, accident rates, and vehicle crime rates all influence car insurance premiums. Check out liability and full-coverage rates for several Mississippi cities below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.CityAverage Quote: Liability OnlyAverage Quote: Full CoverageTupelo $79 $166 Columbus $84 $171 Meridian $86 $186 Oxford $90 $215 Hattiesburg $93 $206 Madison $94 $202 Southaven $105 $212 Jackson $105 $217 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mississippi car insurance FAQs
Finding cheap coverage can feel difficult. The following information should help you determine what you need to know about buying coverage in Mississippi.
The average cost of car insurance in Mississippi is $204 per month for full coverage and $91 for liability-only policies. These rates assume you have a clean driving record. Incidents like speeding tickets, at-fault accidents, and DUIs can significantly increase rates for Mississippi drivers.
State Farm has the cheapest car insurance rates in Mississippi, with liability policies starting at $35 per month. USAA and Allstate are the second- and third-cheapest insurance companies in the Magnolia State, with liability rates starting at $36 and $58, respectively.
National General is the best car insurance company for teenagers, due to its focus on insuring high-risk drivers and a safe-driving program called DynamicDrive. USAA provides the best option for full-coverage insurance — though it’s only available for military members and their families. Hugo is the top option for short-term coverage; the insurer sells policies for as little as three days at a time.
On average, drivers in Mississippi pay less for insurance than the national average of $197 for full coverage and $105 for liability. Location-based factors — like severe weather patterns, population density, and traffic congestion — all influence rates in the area.
No. Mississippi is an at-fault state. Drivers in an at-fault — or tort — state must cover the costs of damage and injury they cause another driver and their passengers in an at-fault accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Mississippi Insurance Department. "Auto Insurance."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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.