Cheapest Auto Insurance in Meridian, Mississippi (2024)

State Farm has the cheapest car insurance in Meridian, with liability rates of $34 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • 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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 11, 2024

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Cheapest recent rates near Meridian, Mississippi

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $72/mo for full coverage in Meridian and other Mississippi cities.

*Quotes generated for Insurify users in and around Meridian, Mississippi within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Meridian, Mississippi within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Conveniently located on I-59/20, Meridian is known as the Queen City due to its rich history, vibrant community, and thriving economy. Meridian drivers pay slightly more for car insurance than the state average, possibly due to the fact that its motor vehicle theft numbers are higher than those in nearby Mississippi cities.[1]

The average cost of car insurance in Meridian is $73 per month for liability insurance and $201 per month for full coverage. Fortunately, many reputable car insurance companies offer affordable policies in Meridian, so comparing rates could help drivers find affordable coverage.

Quick Facts
  • Meridian drivers pay an average of $2,414 per year for full-coverage insurance.

  • Drivers in Meridian with good and excellent credit can land lower rates than drivers with poor credit.

  • If you need help with car insurance in Meridian, you can call the toll-free Mississippi Insurance Department Consumer Help Line at 1 (800) 562-2957.

Cheapest car insurance companies in Meridian 

To zero in on the right car insurance policy in Meridian, consider your budget, driving record, and personal needs. Here are a few of the best car insurance companies in Meridian to help you start your search for the right coverage.

Insurance CompanyIQ 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 CoverageLiability OnlyBest for
Progressive8.4$119$59Young drivers
USAA9.4$74$37Military members and veterans
Bristol West5.2$227$93High-risk drivers
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 young drivers: Progressive

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
8.4/10
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.
$55/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.
$112/mo

Many students and young people attend Meridian Senior High School and colleges like Meridian Community College and Mississippi State University-Meridian. Progressive offers great deals for these young drivers through discounts like the good student discount, distant driver student, and teen driver discount.

Pros
  • Advertises many discounts  for students

  • Snapshot telematics program rewards safe driving

Cons
  • No anti-theft device discount advertised

  • Below-average J.D. Power customer satisfaction rating in the Southeast region

Read more driver reviews of Progressive
Susan - July 7, 2024
Verified

Too expensive

I believe they charge way too much considering my excellent driving record, minimal daily mileage, zero accidents, and senior citizen status.

Rose - July 7, 2024
Verified

Unsatisfied with Progressive

I had Progressive and they kept raising my rates, even though I had no claims, no tickets, and was a gold status member for 3 years.

Debra - July 7, 2024
Verified

Great for the past ten years but no forgiveness for minor accident

Everything was great until I had a minor accident.

Best insurer for military members and veterans: USAA

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User Reviews
3.7
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.
$35/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.
$69/mo

Meridian supports veterans in the area through the East Mississippi Veterans Foundation. Veterans and military members can save money on car insurance with USAA, which focuses on serving the military community through insurance products and financial services. 

Pros
  • Potential savings of up to 30% via the SafePilot usage-based insurance program

  • Above-average J.D. Power customer satisfaction rating in the Southeast region

Cons
  • Only for military members and their families

  • Doesn’t offer gap insurance

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for high-risk drivers: Bristol West

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User Reviews
2.8
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.
5.2/10
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.
$87/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.
$213/mo

In 2021, Mississippi had 26.2 car accident deaths per 100,000 registered vehicles.[2] Drivers in Meridian who cause car accidents and have other traffic violations on their records like speeding tickets and DUIs may find insurance coverage with Bristol West, which caters to high-risk drivers.

Pros
  • Provides coverage for high-risk drivers

  • Can file an SR-22 on your behalf

Cons
  • Limited discounts advertised 

  • Higher average premium costs than competitors

Read more driver reviews of Bristol West
Raquel - July 3, 2024
Verified

Very Displeased

They are significantly overpriced. They increased my monthly payment without informing me. These are just a few reasons why I am very displeased.

Steven - June 27, 2024
Verified

Very Expensive

Ok.

Theresa - June 24, 2024
Verified

Average

Don't choose this insurance unless you can afford to pay the entire six-month premium in advance.

How to get the cheapest car insurance in Meridian

It takes time and effort to find cheap car insurance rates in Meridian. You’ll need to shop around, get free quotes, and compare your coverage options at different car insurance companies. Here are a few other tips that can help you find affordable coverage:

  • Look for discounts. Most of the top car insurance companies offer various discounts that can lower your car insurance costs. Visit an insurance carrier’s website or consult an insurance agent to learn about which discounts you might qualify for. 

  • Take a defensive driving course. Some insurers reward drivers who complete an approved defensive driving course with lower premiums. You might be able to take a course online and get a cheaper rate.

  • Bundle insurance. If you combine your car insurance with homeowners insurance, renters insurance, life insurance, or another type of insurance, you can potentially save some money on your auto insurance premiums.

  • Drive responsibly. A driving record with incidents like speeding tickets and DUIs can lead to higher car insurance rates. Drive safely and maintain a clean driving record so you can score the best deal.

Find Car Insurance in Meridian, Mississippi

Liability rates start at $34 per month

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Cheapest liability-only car insurance in Meridian: State Farm

Mississippi law requires drivers to purchase and maintain liability car insurance. This type of policy helps pay for the other driver’s property damage and medical expenses after an at-fault accident. Because of its limited coverage, liability-only coverage is often the cheapest car insurance available. 

The cheapest insurer for liability-only car insurance in Meridian is State Farm, with rates of $34 per month.

Here’s a look at the cheapest average quotes for liability-only auto policies in Meridian. 

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$34
USAA$35
Safeco$53
Allstate$54
Progressive$55
Nationwide$57
GEICO$58
GAINSCO$60
National General$61
Travelers$66
Shelter$84
Bristol West$87
Clearcover$95
Liberty Mutual$95
Foremost$96
Dairyland$99
Root$101
Direct Auto$120
The General$134
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 Meridian: State Farm

Full-coverage car insurance is optional in Meridian and usually includes liability, collision, and comprehensive insurance. It covers more situations and incidents, so it’s usually more expensive than a liability-only policy.

If you finance or lease your car, your lender or lessor may require full-coverage car insurance to protect against financial losses from vehicle damages.

The average cost of full coverage in Meridian is $201 per month, but you may find cheaper rates with the insurance companies in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$68
USAA$69
Safeco$99
Allstate$111
Progressive$112
Nationwide$114
GEICO$116
National General$121
Travelers$132
Clearcover$152
State Auto$160
Root$165
Midvale Home & Auto$166
Shelter$171
GAINSCO$192
Liberty Mutual$201
The General$209
Bristol West$213
Dairyland$236
Foremost$244
Direct Auto$272
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 near Meridian, Mississippi

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $72/mo for full coverage in Meridian and other Mississippi cities.

*Quotes generated for Insurify users in and around Meridian, Mississippi within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Meridian, Mississippi within the last 10 days. Last updated on July 11, 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 July 11, 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, meaning the driver who causes a car accident is responsible for paying for the damages and medical bills of the other involved parties, typically through their liability auto policy. Drivers in Meridian must show proof of insurance to avoid fines and other consequences.

Here are Mississippi’s minimum car insurance requirements:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

While liability-only insurance is the cheapest option, you might benefit from optional car insurance to protect you financially in different situations. Here are several policies you might want to explore for more protection as a driver in Meridian:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage may apply after your vehicle gets damaged in non-collision events, like theft, vandalism, and fire. 

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle if you’re involved in an accident with another driver or stationary object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured and underinsured motorist coverage can save you from high out-of-pocket costs if a driver without car insurance or with insufficient coverage hits you.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    If you can’t drive your vehicle because it needs repairs after a car accident, rental car reimbursement may pay for a rental car so you can get around.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance helps pay for emergency services, such as flat tire replacement, fuel delivery, and towing.

Cheapest car insurance for drivers with an incident

A few examples of incidents that can make you a high-risk driver and increase your car insurance rates are at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. Meridian drivers with clean records usually pay the lowest premiums because car insurance companies view them as less risky. 

Here’s an overview of the average cost of car insurance in Meridian, based on driving history.

Find Car Insurance in Meridian, MS

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Cheapest car insurance for drivers with a speeding ticket

Speeding can impair your ability to react quickly and avoid accidents. That’s why Meridian drivers with speeding tickets face higher car insurance costs. The overall average cost of car insurance in the city for drivers with a speeding ticket is $203 per month.

The table below shows the cheapest liability-only auto policies for Meridian residents with speeding tickets. 

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$34$45
USAA$35$46
Safeco$53$71
Allstate$54$72
Progressive$55$73
Nationwide$57$76
GEICO$58$77
GAINSCO$60$87
National General$61$81
Travelers$66$88
Shelter$84$116
Bristol West$87$115
Clearcover$95$127
Liberty Mutual$95$138
Foremost$96$139
Dairyland$99$132
Root$101$142
Direct Auto$120$159
The General$134$180
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

In 2021, Mississippi reported 772 car accident fatalities.[4] If you cause a car accident, car insurance companies view you as a greater risk on the road and likely charge you more expensive premiums.

The total average cost of car insurance for drivers with an at-fault accident in Meridian is $215 per month, but you may be able to find cheap liability rates with the companies in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$34$48
USAA$35$49
Safeco$53$73
Allstate$54$76
Progressive$55$79
Nationwide$57$81
GEICO$58$82
GAINSCO$60$81
National General$61$86
Travelers$66$93
Shelter$84$123
Bristol West$87$121
Clearcover$95$142
Liberty Mutual$95$145
Foremost$96$147
Dairyland$99$139
Root$101$151
Direct Auto$120$172
The General$134$192
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

Mississippi reported 6,665 DUI arrests in 2021.[5] The Magnolia State takes DUIs very seriously and imposes consequences like costly fines and jail time. A DUI can also increase car insurance rates and require an SR-22 insurance form

On average, drivers with a DUI pay $59 per month for liability car insurance in Meridian.

The table below shows the cheapest liability-only car insurance rates for drivers with a DUI in Meridian.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$34$59
USAA$35$60
Safeco$53$92
Allstate$54$93
Progressive$55$95
Nationwide$57$98
GEICO$58$100
GAINSCO$60$104
National General$61$105
Travelers$66$114
Shelter$84$145
Bristol West$87$150
Clearcover$95$164
Liberty Mutual$95$164
Foremost$96$166
Dairyland$99$171
Root$101$174
Direct Auto$120$207
The General$134$231
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

Because senior drivers have higher fatality rates in car accidents than younger drivers, their car insurance premiums tend to be more expensive.[6] Average rates typically decrease at age 35 and increase a bit again around age 70, but seniors still typically have lower-than-average rates at $102 per month in Meridian.

Senior drivers may be able to find cheap car insurance rates in Meridian with the companies in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$25$50
USAA$26$52
Progressive$37$76
Nationwide$40$81
Allstate$41$85
Safeco$41$77
GEICO$44$88
National General$45$89
GAINSCO$47$151
Travelers$49$98
Shelter$56$114
Bristol West$66$162
Foremost$71$181
Clearcover$72$116
Liberty Mutual$73$154
Dairyland$75$179
Root$79$129
Direct Auto$88$200
The General$104$162
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

Due to their limited experience and knowledge while behind the wheel, teens and young drivers in Meridian tend to pay higher car insurance rates. On average, they pay $284 per month for car insurance in the city. However, they can save on a policy by staying on their parent’s auto policy and taking advantage of a good student discount.

This table shows the cheapest car insurance for teen drivers in Meridian.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$63$125
USAA$63$125
GEICO$100$199
Allstate$102$211
Nationwide$106$212
Progressive$107$218
GAINSCO$115$368
Safeco$117$219
National General$126$251
Travelers$128$256
Shelter$156$318
Bristol West$160$393
Root$168$275
Dairyland$179$427
Foremost$184$468
Liberty Mutual$188$398
Clearcover$198$316
Direct Auto$235$534
The General$235$367
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.

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Meridian car insurance quotes by credit tier

Unlike some states, Mississippi allows car insurance companies to consider credit when underwriting policies and determining rates.[7] Because insurers believe drivers with good and excellent credit are less likely to file claims, they often offer them the lowest premiums. 

A Meridian driver with excellent credit will pay an average of $170 per month, while someone with poor credit can expect an average of $302 per month.

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.

Is car insurance more expensive in Meridian?

Car insurance premiums for full-coverage policies in Meridian are a bit higher than the national average. It’s important to understand that rates can vary by ZIP code and city within Mississippi as a result of differences in population, crime rates, weather conditions, and other factors. For example, the average cost of car insurance is cheaper in Meridian than in Jackson.

More cities in Mississippi

Here’s a look at the average quotes for full-coverage car insurance in Meridian compared to other cities in Mississippi.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Columbus$71$214
Hattiesburg$84$228
Jackson$90$244
Madison$79$213
Oxford$71$184
Southaven$87$256
Tupelo$73$189
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.

Meridian car insurance FAQs

Check out this guide on shopping for car insurance, and read the answers to common questions about auto coverage in Meridian below.

  • How much is car insurance in Meridian?

    The average cost of car insurance in Meridian is $73 per month for liability insurance and $201 per month for full coverage.

  • Who has the cheapest car insurance in Meridian?

    State Farm, USAA, and Safeco are the cheapest car insurance companies in Meridian, with liability rates as low as $34, $35, and $53 per month, respectively.

    But what’s cheapest for your neighbor or friend may not be cheapest for you, as rates vary depending on driver profile. That’s why it’s important to compare car insurance quotes with multiple companies to find the one that offers you the best price for the coverage you need. 

  • What are the best car insurance companies in Meridian?

    Some of the best car insurance companies Insurify identified in Meridian are Progressive, USAA, and Bristol West. These auto insurers cater to specific driver profiles or offer low average rates to drivers.

  • What is the minimum car insurance for the state of Mississippi?

    Mississippi requires drivers to purchase and carry 25/50/25 minimum car insurance. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[3]

  • Is Mississippi car insurance expensive?

    Car insurance isn’t expensive in Mississippi compared to the national average. The average overall cost of car insurance in Mississippi is $146 per month, while the national average is $160 per month.

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
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.

Sources

  1. Federal Bureau of Investigation. "Crime Data Explorer."
  2. Insurance Institute for Highway Safety. "State by state."
  3. Mississippi Department of Insurance. "Auto Insurance."
  4. III. "Facts + Statistics: Highway safety."
  5. Mississippi Office of Highway Safety. "Annual Report Federal Fiscal Year 2021."
  6. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
  7. Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
Anna Baluch
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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