120+ more*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on November 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on November 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
){kind=small}
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.
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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
Cheapest car insurance company in Mississippi: State Farm
Cheapest car insurance rate in Mississippi: $45
Average monthly liability-only car insurance cost in MS: $89
Average monthly full-coverage car insurance cost in MS: $186
State Farm, USAA, and Progressive offer the cheapest car insurance in Mississippi.
The table below highlights the cheapest rates for liability insurance and full coverage in Mississippi. The quotes are based on a driver profile with good credit and a clean driving history.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $45 | $87 |
| USAA | $47 | $89 |
| Progressive | $54 | $119 |
| Bristol West | $66 | $173 |
| Direct Auto | $66 | $133 |
| National General | $69 | $119 |
| Allstate | $71 | $130 |
| GEICO | $79 | $155 |
| The General | $86 | $337 |
| Travelers | $89 | $170 |
| Trexis One | $90 | $222 |
| Safeco | $91 | $130 |
| First Acceptance | $94 | $240 |
| Mendota | $94 | $215 |
| GAINSCO | $95 | $237 |
| Root | $100 | $153 |
| Shelter | $114 | $219 |
| Liberty Mutual | $141 | $232 |
| Dairyland | $147 | $373 |
The following insurers stand out based on pricing, customer satisfaction, financial stability, and real reviews from Insurify users. When shopping for the best car insurance in Mississippi, State Farm, GEICO, and USAA may be a good place to start.
| 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 |
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 |
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 the lowest full-coverage rates in Mississippi, which includes liability, collision, and comprehensive coverage.
The company has an A+ (Superior) AM Best financial strength rating and offers optional medical payments coverage and roadside assistance. Mississippi has a high rate of motor vehicle deaths, so getting full coverage can provide additional financial protection.
Highly rated for financial strength
Drive Safe & Save program can help drivers save
Local agents available throughout Mississippi
Low Trustpilot rating
No gap insurance
Low claims satisfaction
| 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 |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 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 relatively affordable rates to high-risk drivers in Mississippi who need to file an SR-22, plus discount options to save even more. That includes a homeownership discount, which could matter to the 70% of owner-occupied households in Mississippi.[1]
Many discount options
Defensive driver program in Mississippi
Above-average JD Power customer satisfaction rating in the Southeast region
Low Trustpilot rating
Below-average customer support
Doesn’t offer gap insurance
| 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 |
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 |
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.
Mississippi has an estimated veteran population of 178,000 and has 11,000 active-duty service members, according to state data. Qualifying military members and their families can get affordable coverage with USAA. The company has some of the lowest rates for minimum coverage in the state, plus telematics programs that can help you save even more.
Affordable rates in Mississippi
Safe driving discount
Above-average JD Power customer satisfaction rating in the Southeast region
Low Trustpilot rating
Limited eligibility
Frustrating claims experience
To identify the best car insurance companies for Mississippi drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
Mississippi car insurance costs an average of $1,071 per year for liability-only coverage and $2,233 for full coverage. This is slightly lower than the national annual averages of $1,184 for liability coverage and $2,243 for full coverage.
With more than half of Mississippi’s population living in rural communities, according to Mississippi State Treasury data, the state’s lower population density and minimal traffic congestion can reduce the risk of accidents that lead to a higher claims rate.
But Mississippi also faces severe weather events, including high winds, flash flooding, and hail, so insurers likely factor in claims from weather-related damages when setting rates.
Liability policies average $89/mo.
Mississippi car insurance quotes vary widely based on your location. Rates are typically higher in densely populated cities, like Jackson, compared to Columbus, which has some of the cheapest rates in the state.
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Columbus | $66 | $130 |
| Tupelo | $66 | $131 |
| Meridian | $68 | $139 |
| Oxford | $69 | $146 |
| Madison | $75 | $158 |
| Hattiesburg | $76 | $153 |
| Southaven | $83 | $154 |
| Olive Branch | $84 | $150 |
| Jackson | $85 | $171 |
The chart below shows Mississippi’s five most expensive cities for car insurance.
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Madison | $75 | $158 |
| Hattiesburg | $76 | $153 |
| Southaven | $83 | $154 |
| Olive Branch | $84 | $150 |
| Jackson | $85 | $171 |
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Car insurance rates in Mississippi depend on your insurer, location, driving history, age, and other factors. For example, rates in Tupelo tend to be higher since the city is located in “Dixie Alley,” a high-risk area for tornadoes.
Shopping around can help you find the cheapest rates. Use these tips to get the most accurate quotes.
Compare the same coverage types, limits, and deductibles.
Include accurate information about your vehicle and driving record.
Add every driver in your household.
Provide the correct ZIP code and accurately report your annual mileage.
Review potential discounts with each insurer.
Mississippi drivers must carry a minimum amount of liability insurance to comply with state law. Policies also include uninsured motorist coverage, but drivers can waive it. Failure to provide proof of coverage can result in a $1,000 fine and a one-year suspension of your driving privileges.[2]
Coverage Type | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
Mississippi’s 25/50/25 liability limits are lower compared to some other states. The Mississippi Insurance Department notes they might not be high enough for most drivers.
Agent Tip: Does liability-only insurance offer enough coverage in Mississippi?
“Liability insurance satisfies Mississippi’s requirements, but most Mississippians should seriously consider a full-coverage policy. The average used car now costs more than $25,000, and you don’t want to be stuck having to replace your vehicle out of pocket if you cause an accident.”
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Comparing quotes from at least three insurers is the best way to find the cheapest Mississippi car insurance. Insurance companies each weigh factors like your location, credit, and driving history differently. Here are some additional tips to lower your premium:
Maintain a clean driving record. Avoiding any incidents and keeping a clean driving record can help you qualify for lower rates. Mississippi has the highest rate of motor vehicle crash deaths of any state, at 25.6 per 100,000 people as of 2024, according to Insurance Institute of Highway Safety data.
Search for qualifying discounts. Insurance companies offer various types of discounts. For example, you might be able to save with a good student discount, bundling discount, or by taking an eligible defensive driving course in Mississippi.
Increase your deductible. To lower costs, the Mississippi Insurance Department recommends getting the highest deductible you can afford if you’re getting comprehensive and collision coverage.
Improve your credit. The average credit score in Mississippi is 676, according to FICO data. That’s lower than many other states and the overall average of 714. Lower scores could increase premiums, so improving credit and paying bills on time may help.
Shop around. Get quotes from different insurance companies, including national options like GEICO, Liberty Mutual, and Travelers, or local insurers such as Acceptance Insurance and Mississippi Farm Bureau Casualty Insurance Company.
See quotes from top insurers in minutes
If you’re shopping for car insurance in Mississippi, find more information and car insurance guides below.
Best Car Insurance in Mississippi
How Much Is Car Insurance in Mississippi?
Mississippi Car Insurance Requirements
SR-22 Insurance in Mississippi: Cost, Requirements, and Cheapest Companies
Mississippi Car Insurance Discounts
Cheap Car Insurance Mississippi No Deposit
Mississippi Full-Coverage Car Insurance
Insurify’s American Driver report found that the cost of car insurance in Mississippi decreased in 2025. In January 2025, the average annual cost of car insurance in the state was $2,277, dropping to $2,063 in December 2025.
Auto insurance companies like Farm Bureau, Allstate, State Farm, and Progressive agreed to decrease rates in Mississippi in 2025 after years of increases, according to the Mississippi Free Press.[3]
The projected average annual cost of car insurance in Mississippi in 2026 is $2,234, a 4.7% increase, according to Insurify data. As inflation continues, rates are expected to keep rising.
Below, see changes in car insurance costs in Mississippi over the last several years.
State Name | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 | 2026-10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mississippi | 1,760 | 1,760 | 1,765 | 1,753 | 1,736 | 1,705 | 1,702 | 1,707 | 1,707 | 1,695 | 1,679 | 1,676 | 1,681 | 1,661 | 1,658 | 1,645 | 1,637 | 1,647 | 1,647 | 1,658 | 1,701 | 1,714 | 1,726 | 1,742 | 1,749 | 1,746 | 1,763 | 1,787 | 1,804 | 1,902 | 1,949 | 1,934 | 1,942 | 2,185 | 2,308 | 2,369 | 2,383 | 2,381 | 2,370 | 2,388 | 2,433 | 2,448 | 2,493 | 2,481 | 2,408 | 2,316 | 2,221 | 2,204 | 2,170 | 2,140 | 2,151 | 2,134 | 2,137 | 2,161 | 2,185 | 2,195 | 2,217 | 2,229 | 2,233 | 2,233 | 2,233 |
| United States | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,802 | 1,850 | 1,886 | 1,917 | 1,956 | 1,982 | 2,006 | 2,036 | 2,075 | 2,127 | 2,191 | 2,237 | 2,295 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,371 | 2,362 | 2,352 | 2,368 | 2,369 | 2,369 | 2,357 | 2,344 | 2,319 | 2,286 | 2,258 | 2,229 | 2,217 | 2,223 | 2,224 | 2,225 | 2,233 | 2,239 | 2,237 | 2,238 | 2,238 | 2,240 | 2,241 | 2,243 |
Below, find more information about getting affordable car insurance in Mississippi.
The three companies with the cheapest auto insurance in Mississippi are State Farm, USAA, and Progressive. They have average monthly liability rates of $45, $47, and $54, respectively.
Many car insurance companies review your credit when determining rates. In Mississippi, insurers can use credit-based insurance scores in the underwriting process.[4] If you have less-than-perfect credit, you may pay higher insurance premiums.
You can’t get a car insurance policy today in Mississippi and pay later. Auto insurance companies generally require an initial down payment or premium to activate coverage.
Auto insurance companies in Mississippi must include uninsured motorist coverage in their policies. You can waive coverage in writing, but the state has some of the highest uninsured motorist rates in the country, at 28.2%, according to Insurance Research Council data. Carrying this coverage can help you avoid paying out of pocket after a crash with an uninsured driver.
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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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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.
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.
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.
