Cheap Full-Coverage Car Insurance in Mississippi (2026)
Mississippi drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $87 per month.
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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.
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Quick Facts
The average monthly cost of full-coverage car insurance in Mississippi is $186, according to Insurify data.
Mississippi drivers pay about the same as the national average for full coverage.
Your credit score has the biggest effect on car insurance rates in Mississippi, and it could increase your rates by more than $60 per month.
Cheapest full-coverage car insurance in Mississippi
The average cost of full-coverage car insurance in Mississippi is $186 per month. State Farm has the lowest full-coverage rates in the state, according to Insurify data.
The table below compares the most affordable car insurance companies in Mississippi.
The below rates in Mississippi are estimated rates current as of: Sunday, September 27 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $87 |
| USAA | $89 |
| National General | $118 |
| Progressive | $127 |
| Allstate | $131 |
| Safeco | $132 |
| Direct Auto | $134 |
| Root | $151 |
| GEICO | $153 |
| Travelers | $170 |
| Bristol West | $172 |
| Mendota | $214 |
| Shelter | $220 |
| Trexis One | $222 |
| Liberty Mutual | $231 |
| First Acceptance | $240 |
| GAINSCO | $241 |
| The General | $332 |
| Dairyland | $368 |
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.
How much is full-coverage insurance in Mississippi?
Full-coverage car insurance in Mississippi costs an average of $186 per month, which is nearly identical to the national average of $187 per month, according to Insurify data.
Insurers weigh several factors when setting your rate, including your age, credit history, and driving record.[1] Younger drivers and people with a driving under the influence (DUI) conviction, accident, or speeding ticket on their record usually pay more. If you have excellent credit and a clean driving record, you’ll typically pay less.
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Full-coverage policies average $186/mo.
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How to find cheap full-coverage car insurance in Mississippi
Full coverage costs more than liability-only insurance in every state, including Mississippi. But you can lower your premium without losing coverage. Here’s how:
Check rates from different insurance companies. Full-coverage quotes in Mississippi start at around $88 per month and go up to more than $200 for more expensive policies, according to Insurify data. Shopping around before you renew and comparing quotes from at least three Mississippi car insurance companies is one of the easiest ways to save.
Ask your insurer about discounts. Many companies offer discounts for safe driving, low mileage, or paying your bill in full. You might also qualify based on your status as a student, a homeowner, or a member of certain groups, such as the military.
Bundle your policies. Combining your car insurance with renters or home insurance from the same company often earns you a multi-policy discount.
Consider increasing your deductible. A higher deductible can lower your monthly premium. You pay more out of pocket when you file a claim, but it might be worth the trade-off.
Keep your credit in good shape. Mississippi insurers use credit-based insurance scores to set rates, so maintaining solid credit can help lower your premiums.[2]
What full-coverage car insurance covers
“Full coverage” isn’t an official insurance policy. It’s a common way to describe a mix of coverages that protect your car and other drivers in the event of an accident. Full coverage usually includes the following:
Liability coverage
Liability insurance pays for the other driver’s injuries and property damage if you’re responsible for an accident. In Mississippi, all drivers must have this coverage.
Collision coverage
Collision insurance pays to repair or replace your car after a crash, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance covers damage to your car from causes other than a crash, such as theft, vandalism, or fire.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your injuries and vehicle damage if a driver hits you and they don’t have insurance, or enough insurance to cover your damages.
Car insurance requirements in Mississippi 
Mississippi law requires drivers to carry the following minimum liability coverage:[3]
Bodily injury liability, $25,000 per person: Covers medical costs for another person’s injuries when you’re at fault
Bodily injury liability, $50,000 per accident: The most your policy will pay for all injuries from a single accident
Property damage liability, $25,000 per accident: Covers repairs if you damage someone else’s car or property in an accident
The Mississippi Insurance Department recommends obtaining additional coverage because medical bills and repair costs can exceed these minimum amounts. If that happens, you’d have to pay the extra costs yourself.
Minimum vs. full-coverage car insurance in Mississippi
Minimum coverage meets Mississippi’s legal driving requirements, but full coverage provides additional protection for your car. Consider how the coverages compare in the following table.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Mississippi | $90 | $186 |
| Covers damage to your own car | No | Yes |
| Covers damage to other cars | Yes | Yes |
| Covers theft, vandalism, or weather damage | No | Yes |
| Required by Mississippi law | Yes | No |
| Best type of vehicle to buy it for | Older, paid-off vehicles | Newer, financed, or expensive vehicles |
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.
When choosing between these two types of coverage, you should take the following into account:
Vehicle value: If your car is older and not worth much, paying extra for full coverage might not make sense.
Loan or lease status: Most lenders want you to have full coverage until you finish paying off your car loan.
Driving habits: The more you drive, the higher your chances of being in an accident.
Savings cushion: Full coverage ensures you don’t have to pay for all repairs yourself.
Budget: Liability-only insurance costs less initially, but you could face higher bills after an accident.
Is full-coverage car insurance worth it in Mississippi?
For most drivers, full coverage is worth the extra cost, especially if you can’t afford to pay a large repair bill out of pocket.
Imagine a Mississippi driver swerves to miss a deer and hits a guardrail, causing $8,000 in damage to their car. If the driver only has minimum liability coverage, they would need to pay the full $8,000 out of pocket because liability insurance doesn’t cover damage to your own vehicle.
With full coverage, the driver would pay only their deductible, usually about $500. The insurance company would pay the remaining $7,500.
In Mississippi, full coverage costs about $96 more per month, or about $1,150 more per year, than liability-only coverage, according to Insurify data. For most drivers, the extra cost is much less than a surprise repair bill.
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Pros and cons of full-coverage car insurance in Mississippi
Pros
Protects your own vehicle: It pays to repair or replace your car after a crash, theft, or weather damage.
Covers common Mississippi risks: Deer strikes and severe weather damage, which are both common in Mississippi, aren’t covered by liability-only insurance.
Often required for financed or leased cars: Lenders usually require full coverage until you pay off the loan to make sure you don’t end up owing money on a car you can’t drive.
Cons
Higher monthly premium: In Mississippi, full coverage costs about $96 more per month than liability-only coverage.
Deductible still applies: You must pay out of pocket up to your deductible before your coverage kicks in.
May not pay off for older, low-value cars: If your car is worth less than what you would pay in premiums over a year or two, it might not be worth the extra cost.
Full-coverage car insurance in Mississippi FAQs
Below are answers to some of the most frequently asked questions about full-coverage car insurance in Mississippi.
What is the cheapest full-coverage car insurance in Mississippi?
State Farm has the lowest average price for full-coverage car insurance in Mississippi, at $87 per month. This is well below the statewide average of $186, according to Insurify data. Your own rate will depend on your driving record, age, and the car you drive.
What is the cheapest auto insurance for teens and young drivers in Mississippi?
For teens in Mississippi, State Farm offers the lowest average liability coverage rate among major insurers, at $88 per month, according to Insurify data.
Is Mississippi an at-fault state for car insurance?
Yes, Mississippi is an at-fault state. The driver who causes an accident must pay for injuries and property damage through their liability insurance.
How can you find affordable full-coverage car insurance in Mississippi?
Get quotes from several insurance companies because full-coverage prices vary from one insurer to the next. You can also save money by bundling policies, choosing a higher deductible, and asking about discounts.
Sources
- Mississippi Insurance Department. "Understanding Premiums and Rates in Mississippi."
- Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
- Mississippi Insurance Department. "Auto Insurance."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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.