Cheapest Car Insurance Quotes in Mississippi

State Farm has the cheapest car insurance in Mississippi, with an average monthly rate of $44 for a liability-only policy. Compare real car insurance quotes in Mississippi and buy your policy all in one place with Insurify.

Secure. Free. Easy-to-use.
4.7 / 514K reviews
Progressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General LogoBristol West Logo120+ more

Cheapest recent car insurance quotes in Mississippi

Recent Mississippi car insurance prices for Hyundai, Lexus, Ford, and more.

*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 29, 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 April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Catherine Hiles
Written byCatherine Hiles
Catherine Hiles
Catherine HilesInsurance, Personal Finance Writer
  • 16+ years in personal finance and insurance writing

  • Certified Financial Education Instructor

Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.

Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.

MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • 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.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • 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.

Cheapest car insurance quotes in Mississippi

Drivers in Mississippi pay an average rate of $90 per month for liability-only car insurance and $179 per month for full coverage, according to Insurify data. That’s cheaper than the national averages of $98 and $186 per month, respectively.

But keep in mind that your exact premiums will depend on your location within the state, your driving history, and other factors.

We collected rates from 120+ of the top insurers in Mississippi to help you find affordable car insurance. The data below shows Mississippi’s cheapest car insurance companies for different levels of coverage and different driver profiles.

Driver Category
sort ascsort desc
Cheapest Insurance Company in MS
sort ascsort desc
Cheapest Monthly Quote in MS
sort ascsort desc
OverallState Farm$44
State-minimum coverageState Farm$44
Full coverageState Farm$85
Drivers with a clean recordState Farm$44
After a speeding ticketState Farm$54
After an at-fault accidentState Farm$57
After a DUIState Farm$59
Teen/new driversState Farm$86
SeniorsState Farm$35
Bad creditState Farm$63
Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Mississippi: State Farm

Mississippi law requires drivers to carry a minimum amount of liability insurance. This type of insurance covers injuries or property damage you cause to other cars and their passengers in an accident, but it won’t cover damage to your car or your injuries.

The cheapest insurers in Mississippi for liability-only car insurance include State Farm, USAA, and Progressive. The table below lists the cheapest liability-only car insurance companies in Mississippi.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$44
USAA$47
Progressive$61
National General$67
Bristol West$69
Direct Auto$71
Allstate$73
Nationwide$76
GEICO$78
The General$83
Safeco$88
Travelers$88
Trexis One$88
Mendota$90
First Acceptance$94
Root$98
GAINSCO$99
Shelter$113
Liberty Mutual$147
Dairyland$148
Hugo$161
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Agent Tip: Does liability-only insurance offer enough coverage in Mississippi?

Mallory Mooney

Mallory Mooney

Director of Sales and Service

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.

Cheapest full-coverage car insurance in Mississippi: State Farm

Full-coverage car insurance, which includes collision and comprehensive coverage in addition to the state-mandated liability insurance, helps pay for repairs to your vehicle. In Mississippi, where hurricanes and tropical storms can cause extensive damage to vehicles, full-coverage insurance can save you money in the long term.[1]

Insurify data shows that State Farm, USAA, and National General offer some of the cheapest full-coverage car insurance in the Magnolia State. The following table shows the cheapest average full-coverage rates for these and other Mississippi auto insurance companies.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$85
USAA$88
National General$112
Safeco$130
Direct Auto$133
Allstate$139
Nationwide$144
Progressive$144
Root$145
GEICO$146
Travelers$168
Bristol West$172
Mendota$197
Shelter$216
Trexis One$221
First Acceptance$227
Liberty Mutual$229
GAINSCO$242
The General$308
Dairyland$338
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Mississippi

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $78/mo for full coverage in Mississippi.

*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 29, 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 April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best cheap car insurance companies in Mississippi

Mississippi has the highest rate of uninsured motorists in the U.S., according to the Insurance Information Institute. It also has the highest rate of fatal motor vehicle crashes of any state.[2] That means a much higher risk of insurers paying out costly claims, which leads to more expensive car insurance.

Comparing auto insurance quotes from the best car insurance companies in Mississippi can help you find relatively affordable coverage.

Here are some of the best low-cost insurers in the state.

State Farm: Best for drivers with DUIs in 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.
9.3 /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.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$85/mo
4.0
Best choiceBased on 17,568 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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 For
Customer service
Competitive rates
Discounts for safe drivers
Showing 17 reviews from Mississippi driversSee all 7,465 State Farm reviews
Louis
Verified Review
My State Farm Agency
I believe that my current car insurance is, so far, the best.
Sid
Verified Review
Great Claim Service
Great service through my agent!
Glynn
Verified Review
Glynn’s Review
It's okay. I do like the safe driving profile they have.
JD Power
J.D. 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

State Farm consistently offers some of the lowest rates in Mississippi for people of all ages and driving backgrounds. For example, if you have a driving under the influence (DUI) conviction on your driving record, State Farm’s average rate for liability-only coverage is significantly lower than the state average.

Pros
  • Low rates for Mississippi drivers with a DUI

  • Above-average J.D. Power customer satisfaction rating

  • Many available discounts

Cons
  • Doesn’t offer accident forgiveness

  • Poor Trustpilot rating

  • Gap insurance not available

USAA: Best for senior drivers in Mississippi

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.
$88/mo
4.9
Best choiceBased on 3,510 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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 For
Members of the military community
Outstanding customer service
Competitive rates
Showing 4 reviews from Mississippi driversSee all 1,551 USAA reviews
Malissia
Verified Review
Stay away from USAA
Rates keep increasing.
Lana
Verified Review
Claims process details are good
Nice that they handle coordinating rental car, other driver's insurance, and check-in at repair shop.
Mary
Verified Review
Looking for another insurance company
I've been a loyal customer. No claims, no accidents, no late fees. Yet, my payments keep increasing. It's more than my auto payment. I feel like I'm being overcharged.
JD Power
J.D. 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

USAA offers some of the best car insurance rates to Mississippi seniors. If you don’t drive much, you may qualify for USAA SafePilot Miles — a program that bases your monthly bill on how many miles you drive and offers lower premiums for good drivers. But USAA is available only to military members, veterans, and eligible family members.

Pros
  • Affordable rates for older drivers in Mississippi

  • Highest J.D. Power customer satisfaction rating

  • Discounts for low mileage and safe driving

Cons
  • Available only to military members, veterans, and their families

  • Fewer discounts than some insurers

  • No physical locations in Mississippi

Progressive: Best for teen drivers in Mississippi

JD Power
J.D. 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.
$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.
$144/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 For
Competitive rates
Easy buying process
Telematics program
Showing 12 reviews from Mississippi driversSee all 8,433 Progressive reviews
Rick
Verified Review
Poor
Very poor! They increased my rates by over $900 for six months. I feel this is unfair.
Donald
Verified Review
Uncertain of Monthly Rate Increase
Progressive Insurance continues to raise my rates without any accidents while being covered. Since I am drawing Social Security, a rate increase only makes it more difficult to adjust my cost of living.
Clayton
Verified Review
Progressive is the worst insurance company!
I was supposed to have accident forgiveness after being with them for 10 years. I made a claim recently for an accident. They said the accident forgiveness would not apply because I was involved in a not-at-fault accident in the past 5 years. Then they raised my rate by 50% after paying them for 10 years to do nothing. Avoid them!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
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

If you have a teen driver at home, Progressive is a good insurer to consider. The company offers competitive rates in Mississippi for young drivers. It also offers several discounts for Mississippi teens, including a good student and distant student discount, which can further lower your costs.

Pros
  • Low rates for teen drivers in Mississippi

  • Several student discounts available

  • Local agents in more than 100 Mississippi cities

Cons
  • Below-average J.D. Power customer satisfaction rating

  • Poor Trustpilot rating

  • High-risk teen drivers might pay more with Snapshot

How car insurance costs in Mississippi have changed

The average cost of a full-coverage car insurance policy in Mississippi has increased by more than 10% over the last two years. Annual premiums jumped from $1,871 in 2024 to $2,063 at the end of 2025, according to Insurify data. Still, that’s slightly below the national average cost of $2,144 per year.

Fortunately, Mississippians may see a break from the constant rise in car insurance costs. Insurify data analysts project a relatively stable 0.3% increase in the average cost of car insurance in Mississippi by the end of 2026.

Average car insurance costs in Mississippi over time

The following table shows the average car insurance rates in Mississippi over the last five years.

Average Mississippi Car Insurance Rates Over the Past Five Years

State Name
2021-03
2021-04
2021-05
2021-06
2021-07
2021-08
2021-09
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
United States1,5691,5601,5571,5531,5551,5591,5591,5641,5671,5691,5701,5731,5801,5941,6041,6091,6141,6201,6271,6341,6421,6531,6671,6901,7211,7591,8031,8511,8881,9201,9581,9852,0072,0372,0772,1292,1952,2412,3012,3422,3692,3902,3862,3732,3702,3612,3492,3642,3662,3662,3552,3412,3182,2862,2572,2282,2152,2222,2232,2242,233
Mississippi1,8471,8331,7911,7671,7511,7511,7451,7511,7601,7601,7511,7331,6941,6901,6981,7041,6841,6731,6711,6721,6541,6541,6401,6341,6451,6431,6531,6941,7071,7181,7371,7411,7381,7521,7701,7931,9191,9651,9501,9512,1902,3142,3762,3682,3492,3552,3762,4212,4382,4802,4622,3912,3012,2082,1822,1582,1282,1392,1242,1302,151

Find Cheap Car Insurance in Mississippi

Liability rates start as low as $44 per month

Excellent
4.7 out of 5 based on 13,999 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Mississippi car insurance requirements

Mississippi requires drivers to carry at least the following amounts of liability insurance to drive legally:[3]

Car Insurance Coverage Type
sort ascsort desc
Mississippi Requirement
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Alternatively, you can post a bond or make a cash or security deposit equal to the Mississippi minimum requirements. But liability coverage is the best way to ensure you comply with state law if the authorities pull you over for a traffic violation or you’re involved in an accident.

And if you have a car loan, your lender may require you to have comprehensive, collision, and uninsured motorist coverage in addition to what’s outlined above.

Car insurance rates across Mississippi cities

As the capital and most populous city in Mississippi, Jackson has the highest car insurance rates in the state.[4] Smaller cities, like Columbus, Oxford, and Tupelo, have much lower premiums, partly because of their smaller populations and fewer vehicles on the road.

The table below shows the average monthly car insurance quote for several Mississippi cities.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Columbus$119
Hattiesburg$134
Jackson$156
Madison$145
Meridian$127
Oxford$122
Southaven$144
Tupelo$119
Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Mississippi for drivers with a clean record: State Farm

Drivers with good credit and a clean driving record typically pay around $90 per month for liability coverage in Mississippi, according to Insurify data. State Farm and USAA have the lowest rates, at $44 and $47 per month, respectively.

The following table shows the cheapest car insurance quotes in Mississippi for drivers with a clean record.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$42
USAA$45
National General$60
Progressive$61
Bristol West$66
Direct Auto$66
Nationwide$71
Allstate$72
GEICO$75
The General$78
Travelers$83
Trexis One$87
Mendota$89
Safeco$92
GAINSCO$92
First Acceptance$93
Root$96
Shelter$102
Dairyland$138
Liberty Mutual$151
Hugo$159
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Mississippi for drivers with a speeding ticket: State Farm

About 4% of Mississippi drivers have speeding tickets, according to Insurify data. Speeding fines vary depending on your location and how fast you’re driving. For example, in Columbus, you’ll pay a minimum fine of $254 for driving more than 10 to 20 miles per hour over the speed limit.

A ticket can also increase your insurance costs. Drivers with speeding tickets pay an average of $107 per month for liability car insurance in Mississippi.

The table below highlights the cheapest average rates for Mississippi drivers with a recent speeding ticket.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$54
USAA$59
Progressive$72
National General$81
Bristol West$85
Direct Auto$87
Allstate$92
Nationwide$96
GEICO$99
Trexis One$104
Mendota$107
The General$108
Travelers$111
First Acceptance$111
Safeco$113
GAINSCO$115
Root$127
Shelter$146
Dairyland$179
Liberty Mutual$182
Hugo$199
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Mississippi with an at-fault accident: State Farm

Mississippi is an “at-fault” state, which means drivers who cause accidents are liable for resulting injuries and property damage. Approximately 3% of drivers in Mississippi have an accident on their driving record, according to Insurify data.

Car insurance premiums tend to go up after an accident, and Mississippi drivers with a recent at-fault accident pay around $115 per month for liability-only coverage.

The table below shows the cheapest rates in Mississippi for drivers with an at-fault accident on their record.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$57
USAA$62
Progressive$78
National General$88
Bristol West$89
Direct Auto$95
Allstate$96
GEICO$101
Nationwide$101
Trexis One$112
The General$112
Mendota$115
Travelers$117
First Acceptance$120
Safeco$120
GAINSCO$125
Root$129
Shelter$151
Liberty Mutual$192
Dairyland$192
Hugo$210
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Mississippi drivers with a DUI: State Farm

Driving under the influence of drugs or alcohol has serious consequences in Mississippi, including license suspension, reinstatement fees, and possible incarceration.[5]

Having a driving under the influence (DUI) charge on your record can also make insurance much more expensive. About 0.7% of Mississippi drivers have DUIs, according to Insurify data. The average cost of liability insurance for Magnolia State drivers with a DUI is $111 per month, but several insurers offer much more affordable rates.

The following table shows the lowest car insurance rates for Mississippi drivers with a DUI conviction.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$59
USAA$63
Progressive$75
National General$89
Bristol West$92
Direct Auto$95
Allstate$97
Nationwide$101
GEICO$103
The General$107
Trexis One$108
Mendota$111
First Acceptance$116
Travelers$117
Safeco$125
GAINSCO$132
Root$132
Shelter$152
Liberty Mutual$196
Dairyland$197
Hugo$215
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Mississippi: State Farm

If you’re convicted of a DUI or cause an accident while driving uninsured, Mississippi will likely require you to provide proof of minimum liability insurance coverage through an SR-22 form

Because insurance companies must file this form with the Mississippi Driver Service Bureau on your behalf, you’ll likely pay a lot more for car insurance. The average monthly cost for liability-only coverage in Mississippi is $109 for drivers with SR-22 insurance.

Below are the lowest average car insurance rates for Mississippi drivers with an SR-22.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$53
USAA$57
Progressive$74
National General$81
Bristol West$83
Direct Auto$86
Allstate$88
Nationwide$92
GEICO$94
The General$100
Safeco$106
Travelers$106
Trexis One$106
Mendota$109
First Acceptance$114
Root$119
GAINSCO$120
Shelter$137
Liberty Mutual$178
Dairyland$179
Hugo$195
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Compare Mississippi Car Insurance Quotes

Liability coverage for high-risk drivers averages $104/mo.

Excellent
4.7 out of 5 based on 13,999 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for teen drivers in Mississippi: State Farm

Teen drivers are among the least likely to wear seat belts, which increases the chances of serious injury or death in an accident, according to Mississippi Department of Transportation (DOT) data.[6] Restricted driving hours end once a driver turns 17 in Mississippi, which is younger than in many states.

Many of these restrictions are in place because teens tend to drive more aggressively and cause more accidents than other age groups. The Mississippi DOT reports that motor vehicle crashes are the leading cause of death for people between the ages of 15 and 20.

That increased risk leads to much higher car insurance rates for teens in Mississippi. The average cost for liability car insurance for Mississippi teens is $164 per month, according to Insurify data.

The table below lists the cheapest car insurers for teens in Mississippi.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$86
USAA$87
Progressive$111
Bristol West$123
National General$134
Direct Auto$138
GEICO$141
Allstate$145
Nationwide$149
The General$149
Trexis One$161
Mendota$164
Root$171
First Acceptance$172
GAINSCO$178
Safeco$179
Travelers$184
Shelter$226
Dairyland$258
Liberty Mutual$259
Hugo$297
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Mississippi for senior drivers: State Farm

Despite Mississippi being among the top three states in older driver fatality rates, seniors in the Magnolia State pay less for car insurance than other age groups.[7]

The average cost of liability insurance for Mississippi seniors is $35 per month. But companies like State Farm have even cheaper average rates for older Mississippians.

See below for the cheapest auto insurance rates in Mississippi for senior drivers in their 60s.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$35
USAA$39
National General$54
Progressive$54
Bristol West$59
Direct Auto$59
Nationwide$59
Allstate$60
GEICO$63
Travelers$72
The General$72
Safeco$78
Trexis One$78
Mendota$80
Shelter$82
Root$83
First Acceptance$84
GAINSCO$86
Liberty Mutual$124
Dairyland$128
Hugo$142
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Mississippi car insurance quotes with bad credit: State Farm

Insurers in Mississippi can consider your credit history when determining your car insurance rates.[8] Drivers with bad credit pay an average of $110 per month for liability-only coverage in Mississippi.

The following table lists the cheapest auto insurance rates for Mississippi drivers with poor credit.

The below rates in Mississippi are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$57
State Farm$63
Progressive$75
National General$82
Bristol West$84
Direct Auto$87
Allstate$89
Nationwide$93
GEICO$95
The General$101
Safeco$107
Travelers$107
Trexis One$108
Mendota$110
First Acceptance$115
Root$120
GAINSCO$121
Shelter$138
Liberty Mutual$174
Dairyland$181
Hugo$196
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Shop for Mississippi Car Insurance

Compare quotes from 120+ top insurers

Excellent
4.7 out of 5 based on 13,999 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Mississippi car insurance FAQs

Understanding Mississippi car insurance by reading through these common questions can help you find the best rates.

  • What are the best car insurance companies in Mississippi?

    The best car insurance companies in Mississippi include State Farm, Progressive, and USAA. They offer competitive rates to Mississippi drivers, and they offer discounts that can help you save even more on a policy.

  • What car insurance is required in Mississippi?

    Mississippi requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in personal property coverage.

  • How much is car insurance in Mississippi?

    Car insurance in Mississippi costs an average of $90 per month for liability-only insurance and $179 per month for full coverage, Insurify data shows.

  • What is the cheapest car insurance company in Mississippi?

    State Farm is the cheapest car insurance company in Mississippi, with an average rate of $44 per month. It’s followed closely by USAA and Progressive.

  • How can you get cheaper car insurance in Mississippi?

    You can get cheaper coverage in Mississippi by asking about car insurance discounts, increasing your deductible (if applicable), decreasing your coverage limits, or getting multiple car insurance quotes.

  • Is Mississippi a no-fault state?

    No. Mississippi is an at-fault state, which means you’re liable for damage to other people and their property if you cause an accident.

Sources

  1. Mississippi Emergency Management Agency. "Hurricanes."
  2. IIHS. "Fatality Facts: State by state."
  3. Mississippi Insurance Department. "Auto Insurance."
  4. U.S. Census Bureau. "QuickFacts: Mississippi."
  5. Mississippi Department of Public Safety Driver Service Bureau. "Frequently Asked Questions Related to Driving Under the Influence Offenses and Driving Privileges."
  6. MDOT Driver Safety Education. "Facts and Stats."
  7. National Safety Council. "Older Drivers."
  8. Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."

Methodology

Insurify data scientists analyzed more than 190 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Catherine Hiles
Written byCatherine HilesInsurance, Personal Finance Writer
Catherine Hiles
Catherine HilesInsurance, Personal Finance Writer
  • 16+ years in personal finance and insurance writing

  • Certified Financial Education Instructor

Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.

Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.

MacKenzie Korris
Edited byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • 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.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • 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.

Compare Car Insurance Quotes Instantly

Excellent
4.7 out of 5 based on 13,999 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate