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Mississippi Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Mississippi (2022)
For drivers that are high-risk in Mississippi, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Mississippi. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Mississippi.
| Carrier | Avg. Monthly Cost |
|---|---|
| Nationwide | $189 |
| Travelers | $191 |
| Direct Auto | $197 |
| Bristol West | $204 |
| Safeco Insurance | $233 |
| Dairyland Insurance | $238 |
| The General | $288 |
| Midvale Home & Auto | $327 |
| American Family Insurance | $341 |
| Liberty Mutual | $374 |
What Makes a Driver High-Risk in Mississippi?
Safe driving habits are important, no matter where you live, but engaging in high-risk behavior in Mississippi in particular can come with some hefty costs. Insurance companies look at various infractions when calculating your rates, including instances of speeding, at-fault accidents, and indicators of reckless driving.
Should your driving record reflect this high-risk activity, you'll have to shop around to find an affordable rate for auto insurance. Drivers who spend a bit of time and effort will have a range of options to choose from to best meet their needs.
Mississippi Car Insurance Rates for High-Risk Drivers
No Violation$195
Reckless Driving$253
Speeding Ticket$257
At-Fault Accident$263
Failure to Stop$283
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Mississippi?
A one-time driving violation doesn't end after you've paid your ticket, as high-risk behavior on the road can carry additional expenses for a period of time. Mississippi drivers who change lanes frequently, drive on a suspended license, or receive a speeding ticket will find that their rates can be as much as $88 higher each month, depending on the circumstances.
Keep in mind that every situation will be different, so it's smart to shop around for your car insurance. Prices will vary based on the type of coverage you need, but drivers with high-risk types of infractions can expect average prices to be similar to these:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $195 |
| Speeding Ticket | $257 |
| At-Fault Accident | $263 |
| Reckless Driving | $253 |
| Failure to Stop | $283 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Mississippi?
Driving over the speed limit isn't just illegal—it's unsafe. And car insurance companies will raise your rates if you add this citation to your record. While prices for Mississippi drivers will vary based on the severity of the infraction, you might see an average monthly increase to your premium like this one:
No Violation - Avg. Monthly Rate$195
Speeding ticket - Avg. Monthly Rate$257
$62 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Mississippi?
An at-fault accident costs your insurance company money, so it's only natural that your rates would go up after getting into a collision. Even minor fender benders could come with a hefty price tag, with some Mississippi motorists finding their annual insurance bill going up by more than $800:
No Violation - Avg. Monthly Rate$195
Speeding ticket - Avg. Monthly Rate$263
$68 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Mississippi?
Driving through a stop sign or red light without stopping can easily lead to an accident, so this high-risk behavior is taken very seriously by insurance companies. Those in Mississippi who receive a ticket for this violation will see their premiums jump up to $263 per month on average:
No Violation - Avg. Monthly Rate$195
Speeding ticket - Avg. Monthly Rate$283
$88 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Mississippi?
Safe driving habits are important, no matter where you live, but engaging in high-risk behavior in Mississippi in particular can come with some hefty costs. Insurance companies look at various infractions when calculating your rates, including instances of speeding, at-fault accidents, and indicators of reckless driving.
Should your driving record reflect this high-risk activity, you'll have to shop around to find an affordable rate for auto insurance. Drivers who spend a bit of time and effort will have a range of options to choose from to best meet their needs.
Tips for Researching High-Risk Mississippi Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Mississippi draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Mississippi Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Mississippi. Insurify analyzed the latest data for the five most populous cities in Mississippi to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Mississippi and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.