Cheapest Auto Insurance in Mississippi (2024)
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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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 byKatie Powers
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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.
Updated November 13, 2024
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Table of contents
Mississippi’s average car insurance costs are less than the national average for car insurance. Full coverage in the Magnolia State averages $219 per month, and liability-only coverage averages $91 per month, according to Insurify data. By comparison, the national average costs of full coverage and liability only are $204 and $104, 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 $119.
Liability-only coverage in Mississippi costs $91 per month, on average, and full coverage costs $219 per month.
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.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| National General | 3.7 | $170 | $66 | Teen drivers |
| USAA | 9.4 | $76 | $36 | Full coverage |
| Hugo | 7.0 | N/A | $52 | Short-term coverage |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: National General
| User Reviews | 3.3 |
|---|---|
| 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. | $64/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. | $123/mo |
3.3
A solid optionBased on 390 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
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 initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (203)
Mike
November 6, 2024
Verified Review
Too expensive
The monthly cost should be lowered.
Javier
November 5, 2024
Verified Review
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
Danette
November 4, 2024
Verified Review
No Claims, No Other Issues
They were okay. I didn't like the price, but based on other quotes I received, their pricing wasn't the worst. I didn't have any claims, so I can't speak to that part.
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)
Best insurer for full coverage: 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 1599 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (913)
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
Tom
November 7, 2024
Verified Review
A Large Company Managed Inefficiently
I would recommend considering other options. My experience with them was not positive, even after being a customer for over 50 years.
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
Best insurer for short-term coverage: 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. | $115/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 120 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
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 excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
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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Based on 3,806+ reviews
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Cheapest liability-only car insurance 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. The following table shows monthly liability-only quotes from top insurers in Mississippi.
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.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance 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 $219 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.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Mississippi
Recent Mississippi car insurance prices for Toyota, KIA, Dodge , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 13, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 13, 2024. 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 November 13, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 13, 2024. 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.[2]
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 for drivers with an incident
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 tend to pay the lowest rates.
For example, if you have a speeding ticket on your record, State Farm may charge you $45 per month, on average, in Mississippi. But if you have a clean record, you can expect to pay an average premium of $35 per month.
Shop for Car Insurance in Mississippi
Monthly rates start at $43 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding is a risky driving behavior that can lead to an accident. If you have one or more speeding tickets on your record, you’ll likely pay more for an auto policy than a driver who always follows the speed limit.
Mississippi drivers with speeding tickets pay $303 per month for full coverage and $126 for liability-only policies, on average.
The following table illustrates monthly quotes for Mississippi drivers with speeding violations.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $94 | $45 |
| USAA | $98 | $46 |
| Allstate | $156 | $75 |
| Progressive | $156 | $74 |
| National General | $159 | $83 |
| Nationwide | $163 | $78 |
| GEICO | $164 | $79 |
| Safeco | $174 | $95 |
| Root | $187 | $105 |
| Travelers | $189 | $90 |
| Clearcover | $209 | $130 |
| Shelter | $250 | $119 |
| Bristol West | $275 | $101 |
| Liberty Mutual | $336 | $186 |
| Dairyland | $379 | $169 |
| Foremost | $393 | $143 |
| GAINSCO | $480 | $146 |
| Direct Auto | $525 | $205 |
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 car insurance for drivers with an at-fault accident: State Farm
If you cause a car accident, your insurer will likely charge you higher car insurance premiums. The average monthly cost of car insurance for drivers with at-fault accidents in Mississippi is $311 for full coverage and $129 for liability only.
The following table illustrates monthly quotes from top Mississippi insurers for drivers in the state with an at-fault accident on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $99 | $47 |
| USAA | $102 | $49 |
| Allstate | $163 | $78 |
| Progressive | $165 | $79 |
| National General | $166 | $86 |
| Nationwide | $170 | $82 |
| GEICO | $171 | $82 |
| Safeco | $178 | $98 |
| Root | $194 | $109 |
| Travelers | $197 | $94 |
| Clearcover | $233 | $145 |
| Shelter | $263 | $125 |
| Bristol West | $285 | $105 |
| Liberty Mutual | $347 | $192 |
| Dairyland | $392 | $175 |
| Foremost | $406 | $148 |
| GAINSCO | $446 | $135 |
| Direct Auto | $560 | $219 |
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 car insurance for drivers with a DUI: State Farm
A DUI is a serious offense that leads to penalties, like fines and jail time, in the Magnolia State. This charge stays on your record for five years and results in more expensive car insurance rates.
Drivers in Mississippi with a DUI pay an average of $355 per month for full coverage and $148 for liability-only policies. The table below shows monthly quotes for Mississippi drivers with DUIs on their motor vehicle records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $121 | $57 |
| USAA | $124 | $59 |
| Root | $197 | $111 |
| Allstate | $198 | $95 |
| Progressive | $200 | $95 |
| National General | $201 | $105 |
| Safeco | $202 | $111 |
| Nationwide | $204 | $98 |
| GEICO | $208 | $100 |
| Travelers | $237 | $113 |
| Clearcover | $263 | $164 |
| Shelter | $306 | $146 |
| Bristol West | $347 | $128 |
| Liberty Mutual | $396 | $219 |
| Foremost | $463 | $168 |
| Dairyland | $481 | $214 |
| GAINSCO | $566 | $172 |
| Direct Auto | $666 | $260 |
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 car insurance for seniors: State Farm
Per miles driven, seniors have a higher mortality rate in car accidents than some younger drivers.[3] Average rates by age group usually decrease around age 30 and increase a bit around age 70.
Mississippi seniors pay a monthly average of $170 for full coverage car insurance and $71 for liability policies. The table below shows the cheapest car insurance premiums for seniors in Mississippi.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $56 | $26 |
| USAA | $59 | $28 |
| Progressive | $85 | $40 |
| Nationwide | $90 | $43 |
| National General | $91 | $47 |
| Allstate | $94 | $45 |
| GEICO | $98 | $47 |
| Travelers | $110 | $52 |
| Safeco | $110 | $60 |
| Root | $110 | $62 |
| Shelter | $131 | $63 |
| Clearcover | $134 | $84 |
| Bristol West | $165 | $61 |
| Liberty Mutual | $197 | $109 |
| Foremost | $219 | $80 |
| Dairyland | $227 | $101 |
| GAINSCO | $281 | $85 |
| Direct Auto | $307 | $120 |
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 car insurance for teens: State Farm
Because teen drivers have minimal experience behind the wheel and have a greater likelihood of getting in a car accident, auto insurers charge them much higher premiums than older drivers.
Teens can lower car insurance costs by staying on their parents’ insurance, taking a defensive driving course, and locking in a good student discount.
The average cost of car insurance for teen drivers in Mississippi is $403 per month for full coverage and $167 for liability-only coverage.
The table below shows monthly quotes for teen drivers from top car insurers in Mississippi.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $132 | $63 |
| USAA | $133 | $63 |
| Root | $211 | $119 |
| GEICO | $212 | $102 |
| Progressive | $223 | $106 |
| Allstate | $224 | $107 |
| Nationwide | $227 | $109 |
| National General | $251 | $131 |
| Safeco | $265 | $146 |
| Travelers | $273 | $130 |
| Clearcover | $307 | $191 |
| Shelter | $325 | $155 |
| Bristol West | $372 | $137 |
| Liberty Mutual | $432 | $239 |
| Dairyland | $494 | $220 |
| Foremost | $523 | $190 |
| GAINSCO | $621 | $189 |
| Direct Auto | $773 | $302 |
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
Unlock savings and discounts when you compare quotes from multiple insurers
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Mississippi car insurance quotes by credit tier
Having good or excellent credit can lead to cheaper car insurance rates in the Magnolia State. Actuarial data shows that drivers with good credit are less likely to file claims than drivers with poor credit.
The chart below shows how car insurance rates in Mississippi vary by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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.
How much is car insurance in Mississippi?
The average cost of car insurance in Mississippi is $219 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.
Who has the cheapest car insurance in Mississippi?
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.
What are the best car insurance companies in Mississippi?
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.
Is Mississippi car insurance expensive?
On average, drivers in Mississippi pay less for insurance than the national average of $204 for full coverage and $104 for liability. Location-based factors — like severe weather patterns, population density, and traffic congestion — all influence rates in the area.
Is Mississippi a no-fault state?
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.
Insurify Insights
How Mississippi Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Mississippi below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Mississippi drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Mississippi
#23
State with the Most Speeding Tickets Rank
#31
State with the Moving Violations Rank
#41
State with the Most DUIs Rank
#34
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Mississippi is the #41 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #41
- Percent of drivers in Mississippi with an accident: 7.1%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Mississippi is the #41 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #41
- Percent of drivers in Mississippi with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Mississippi is the #44 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #44
- Percent of drivers in Mississippi with a reckless driving offense: 0.9%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Mississippi is the #46 state in the country for drivers with a rude driving violation on record.
- Rank among states: #46
- Percent of drivers in Mississippi with a rude driving violation: 1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Mississippi is the #23 state in the country for drivers with a speeding ticket on record.
- Rank among states: #23
- Percent of drivers in Mississippi with a speeding ticket: 8.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Mississippi is the #48 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #48
- Percent of drivers in Mississippi with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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.
Related articles
More cities in Mississippi
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Mississippi Department of Insurance. "Auto Insurance."
- Insurance Information Institute. "Senior driving safety and insurance tips."
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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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
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