Cheapest Auto Insurance in Mississippi (2024)

Mississippi’s average car insurance costs are less than the national average for car insurance. Full coverage in the Magnolia State averages $194 per month, and liability-only coverage averages $74 per month, according to Insurify data. By comparison, the national average costs of full coverage and liability only are $213 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.

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.

Best insurer for teen drivers: National General

Best insurer for full coverage: USAA

Best insurer for on-demand coverage: Hugo

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.

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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 $74 per month.

The following table shows monthly liability-only quotes from top insurers in Mississippi.

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 $194 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.

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]

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 $48 per month, on average, in Mississippi. But if you have a clean record, you can expect to pay an average premium of $36 per month.

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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 $115 for liability-only policies, on average.

The following table illustrates monthly quotes for Mississippi drivers with speeding violations.

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 $309 for full coverage and $118 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.

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 $348 per month for full coverage and $133 for liability-only policies. The table below shows monthly quotes for Mississippi drivers with DUIs on their motor vehicle records.

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 $136 for full coverage car insurance and $52 for liability policies. The table below shows the cheapest car insurance premiums for seniors in Mississippi.

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 $423 per month for full coverage and $161 for liability-only coverage.

The table below shows monthly quotes for teen drivers from top car insurers in Mississippi.

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.

Mississippi car insurance FAQs

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

• Accidents in Mississippi

  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%
• DUIs in Mississippi

  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 in Mississippi

  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%
• Rude Driving in Mississippi

  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%
• Speeding in Mississippi

  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%
• Failure to Yield Rates in Mississippi

  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.