120+ more*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Drivers in Mississippi pay an average rate of $70 per month for liability-only car insurance and $133 per month for full coverage, according to Insurify data. That’s cheaper than the national averages of $99 and $173 per month, respectively.
But keep in mind that your exact premiums will depend on your location within the state, your driving history, and other factors.
We collected rates from 120+ of the top insurers in Mississippi to help you find affordable car insurance. The data below shows Mississippi’s cheapest car insurance companies for different levels of coverage and different driver profiles.
Driver Category | Cheapest Insurance Company in MS | Cheapest Monthly Quote in MS |
|---|---|---|
| Overall | State Farm | $43 |
| State-minimum coverage | State Farm | $43 |
| Full coverage | State Farm | $79 |
| Drivers with a clean record | State Farm | $43 |
| After a speeding ticket | State Farm | $53 |
| After an at-fault accident | State Farm | $55 |
| After a DUI | State Farm | $67 |
| Teen/new drivers | USAA | $82 |
| Seniors | State Farm | $34 |
| Bad credit | USAA | $54 |
Mississippi law requires drivers to carry a minimum amount of liability insurance. This type of insurance covers injuries or property damage you cause to other cars and their passengers in an accident, but it won’t cover damage to your car or your injuries.
The cheapest insurers in Mississippi for liability-only car insurance include State Farm, USAA, and National General. The table below lists the cheapest liability-only car insurance companies in Mississippi.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| USAA | $44 |
| National General | $59 |
| Progressive | $61 |
| Bristol West | $62 |
| Direct Auto | $66 |
| Allstate | $70 |
| Nationwide | $73 |
| GEICO | $74 |
| Trexis One | $79 |
| Safeco | $79 |
| Mendota | $80 |
| Travelers | $85 |
| Root | $86 |
| First Acceptance | $89 |
| GAINSCO | $94 |
| Shelter | $109 |
| Dairyland | $133 |
| Hugo | $146 |
| Liberty Mutual | $156 |
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Liability insurance satisfies Mississippi’s requirements, but most Mississippians should seriously consider a full-coverage policy. The average used car now costs more than $25,000, and you don’t want to be stuck having to replace your vehicle out of pocket if you cause an accident.
Full-coverage car insurance, which includes collision and comprehensive coverage in addition to the state-mandated liability insurance, helps pay for repairs to your vehicle. In Mississippi, where hurricanes and tropical storms can cause extensive damage to vehicles, full-coverage insurance can save you money in the long term.[1]
Insurify data shows that State Farm, USAA, and National General offer some of the cheapest full-coverage car insurance in The Magnolia State. The following table shows the cheapest average full-coverage rates for these and other Mississippi auto insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $79 |
| USAA | $81 |
| National General | $109 |
| Direct Auto | $124 |
| Safeco | $126 |
| Allstate | $129 |
| Nationwide | $134 |
| GEICO | $136 |
| Root | $139 |
| Progressive | $141 |
| Travelers | $155 |
| Bristol West | $167 |
| Mendota | $191 |
| Shelter | $200 |
| First Acceptance | $208 |
| Liberty Mutual | $216 |
| Trexis One | $218 |
| GAINSCO | $236 |
| Dairyland | $329 |
*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Mississippi within the last 10 days. Last updated on March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Mississippi has the highest rate of uninsured motorists in the U.S., according to the Insurance Information Institute. It also has the highest rate of fatal motor vehicle crashes of any state.[2] That means a much higher risk of insurers paying out costly claims, which leads to more expensive car insurance.
Comparing auto insurance quotes from the best car insurance companies in Mississippi can help you find relatively affordable coverage.
Here are some of the best low-cost insurers in the state.
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $43/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. | $79/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm consistently offers some of the lowest rates in Mississippi for people of all ages and driving backgrounds. For example, if you have a driving under the influence (DUI) conviction on your driving record, State Farm’s average rate for liability-only coverage is significantly lower than the state average.
Low rates for Mississippi drivers with a DUI
Above-average J.D. Power customer satisfaction rating
Many available discounts
Doesn’t offer accident forgiveness
Poor Trustpilot rating
Gap insurance not available
| 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. | 9.1 /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. | $44/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. | $81/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA offers some of the best car insurance rates to Mississippi seniors. If you don’t drive much, you may qualify for USAA SafePilot Miles — a program that bases your monthly bill on how many miles you drive and offers lower premiums for good drivers. But USAA is available only to military members, veterans, and eligible family members.
Affordable rates for older drivers in Mississippi
Highest J.D. Power customer satisfaction rating
Discounts for low mileage and safe driving
Available only to military members, veterans, and their families
Fewer discounts than some insurers
No physical locations in Mississippi
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $61/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. | $141/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
If you have a teen driver at home, Progressive is a good insurer to consider. The company offers competitive rates in Mississippi for young drivers. It also offers several discounts for Mississippi teens, including a good student and distant student discount, which can further lower your costs.
Low rates for teen drivers in Mississippi
Several student discounts available
Local agents in more than 100 Mississippi cities
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot rating
High-risk teen drivers might pay more with Snapshot
The average cost of a full-coverage car insurance policy in Mississippi has increased by more than 10% over the last two years. Annual premiums jumped from $1,871 in 2024 to $2,063 at the end of 2025, according to Insurify data. Still, that’s slightly below the national average cost of $2,144 per year.
Fortunately, Mississippians may see a break from the constant rise in car insurance costs. Insurify data analysts project a relatively stable 0.3% increase in the average cost of car insurance in Mississippi by the end of 2026.
The following table shows the average car insurance rates in Mississippi over the last five years.
Liability rates start as low as $43 per month
Mississippi requires drivers to carry at least the following amounts of liability insurance to drive legally:[3]
Car Insurance Coverage Type | Mississippi Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Alternatively, you can post a bond or make a cash or security deposit equal to the Mississippi minimum requirements. But liability coverage is the best way to ensure you comply with state law if the authorities pull you over for a traffic violation or you’re involved in an accident.
And if you have a car loan, your lender may require you to have comprehensive, collision, and uninsured motorist coverage in addition to what’s outlined above.
As the capital and most populous city in Mississippi, Jackson has the highest car insurance rates in the state.[4] Smaller cities, like Columbus, Oxford, and Tupelo, have much lower premiums, partly because of their smaller populations and fewer vehicles on the road.
The table below shows the average monthly car insurance quote for several Mississippi cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $88 |
| Hattiesburg | $97 |
| Jackson | $114 |
| Madison | $114 |
| Meridian | $95 |
| Oxford | $84 |
| Southaven | $109 |
| Tupelo | $85 |
Drivers with good credit and a clean driving record typically pay around $70 per month for liability coverage in Mississippi, according to Insurify data. State Farm and USAA have the lowest rates, at $43 and $44 per month, respectively.
The following table shows the cheapest car insurance quotes in Mississippi for drivers with a clean record.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| USAA | $42 |
| National General | $53 |
| Bristol West | $60 |
| Progressive | $61 |
| Direct Auto | $62 |
| Nationwide | $68 |
| Allstate | $69 |
| GEICO | $73 |
| Trexis One | $79 |
| Mendota | $80 |
| Travelers | $80 |
| Safeco | $83 |
| Root | $85 |
| GAINSCO | $88 |
| First Acceptance | $90 |
| Shelter | $98 |
| Dairyland | $123 |
| Hugo | $140 |
| Liberty Mutual | $161 |
About 4% of Mississippi drivers have speeding tickets, according to Insurify data. Speeding fines vary depending on your location and how fast you’re driving. For example, in Columbus, you’ll pay a minimum fine of $254 for driving more than 10 to 20 miles per hour over the speed limit.
A ticket can also increase your insurance costs. Drivers with speeding tickets pay an average of $82 per month for liability car insurance in Mississippi.
The table below highlights the cheapest average rates for Mississippi drivers with a recent speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| USAA | $55 |
| Progressive | $71 |
| National General | $71 |
| Bristol West | $75 |
| Direct Auto | $80 |
| Allstate | $88 |
| Trexis One | $92 |
| Nationwide | $92 |
| Mendota | $94 |
| GEICO | $94 |
| Safeco | $101 |
| First Acceptance | $104 |
| Travelers | $107 |
| GAINSCO | $108 |
| Root | $111 |
| Shelter | $140 |
| Dairyland | $161 |
| Hugo | $181 |
| Liberty Mutual | $192 |
Mississippi is an “at-fault” state, which means drivers who cause accidents are liable for resulting injuries and property damage. Approximately 3% of drivers in Mississippi have an accident on their driving record, according to Insurify data.
Car insurance premiums tend to go up after an accident, and Mississippi drivers with a recent at-fault accident pay around $88 per month for liability-only coverage.
The table below shows the cheapest rates in Mississippi for drivers with an at-fault accident on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| USAA | $58 |
| National General | $76 |
| Progressive | $77 |
| Bristol West | $80 |
| Direct Auto | $88 |
| Allstate | $92 |
| GEICO | $94 |
| Nationwide | $96 |
| Trexis One | $99 |
| Mendota | $100 |
| Safeco | $108 |
| First Acceptance | $112 |
| Root | $112 |
| Travelers | $112 |
| GAINSCO | $117 |
| Shelter | $143 |
| Dairyland | $172 |
| Hugo | $181 |
| Liberty Mutual | $202 |
Driving under the influence of drugs or alcohol has serious consequences in Mississippi, including license suspension, reinstatement fees, and possible incarceration.[5]
Having a driving under the influence (DUI) charge on your record can also make insurance much more expensive. About 0.7% of Mississippi drivers have DUIs, according to Insurify data. The average cost of liability insurance for Magnolia State drivers with a DUI is $113 per month, but several insurers offer much more affordable rates.
The following table shows the lowest car insurance rates for Mississippi drivers with a DUI conviction.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $67 |
| USAA | $68 |
| National General | $91 |
| Bristol West | $96 |
| Progressive | $98 |
| Direct Auto | $102 |
| Allstate | $108 |
| GEICO | $113 |
| Nationwide | $113 |
| Trexis One | $127 |
| Mendota | $129 |
| Safeco | $130 |
| Travelers | $132 |
| Root | $134 |
| First Acceptance | $143 |
| GAINSCO | $146 |
| Shelter | $169 |
| Dairyland | $206 |
| Hugo | $226 |
| Liberty Mutual | $242 |
If you’re convicted of a DUI or cause an accident while driving uninsured, Mississippi will likely require you to provide proof of minimum liability insurance coverage through an SR-22 form.
Because insurance companies must file this form with the Mississippi Driver Service Bureau on your behalf, you’ll likely pay a lot more for car insurance. The average monthly cost for liability-only coverage in Mississippi is $85 for drivers with SR-22 insurance.
Below are the lowest average car insurance rates for Mississippi drivers with an SR-22.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| USAA | $53 |
| National General | $71 |
| Progressive | $74 |
| Bristol West | $75 |
| Direct Auto | $80 |
| Allstate | $85 |
| Nationwide | $88 |
| GEICO | $90 |
| Trexis One | $96 |
| Safeco | $96 |
| Mendota | $97 |
| Travelers | $103 |
| Root | $104 |
| First Acceptance | $108 |
| GAINSCO | $114 |
| Shelter | $132 |
| Dairyland | $161 |
| Hugo | $177 |
| Liberty Mutual | $189 |
Liability coverage for high-risk drivers averages $80/mo.
Teen drivers are among the least likely to wear seat belts, which increases the chances of serious injury or death in an accident, according to Mississippi Department of Transportation (DOT) data.[6] Restricted driving hours end once a driver turns 17 in Mississippi, which is younger than in many states.
Many of these restrictions are in place because teens tend to drive more aggressively and cause more accidents than other age groups. The Mississippi DOT reports that motor vehicle crashes are the leading cause of death for people between the ages of 15 and 20.
That increased risk leads to much higher car insurance rates for teens in Mississippi. The average cost for liability car insurance for Mississippi teens is $127 per month, according to Insurify data.
The table below lists the cheapest car insurers for teens in Mississippi.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| State Farm | $84 |
| Progressive | $111 |
| Bristol West | $111 |
| National General | $120 |
| Direct Auto | $127 |
| GEICO | $132 |
| Allstate | $139 |
| Nationwide | $143 |
| Trexis One | $144 |
| Mendota | $145 |
| Root | $149 |
| Safeco | $159 |
| First Acceptance | $162 |
| GAINSCO | $172 |
| Travelers | $177 |
| Shelter | $216 |
| Dairyland | $228 |
| Hugo | $239 |
| Liberty Mutual | $275 |
Despite Mississippi being among the top three states in older driver fatality rates, seniors in the Magnolia State pay less for car insurance than other age groups.[7]
The average cost of liability insurance for Mississippi seniors is $34 per month. But companies like State Farm have even cheaper average rates for older Mississippians.
See below for the cheapest auto insurance rates in Mississippi for senior drivers in their 60s.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| USAA | $36 |
| National General | $47 |
| Bristol West | $52 |
| Progressive | $54 |
| Direct Auto | $54 |
| Nationwide | $56 |
| Allstate | $57 |
| GEICO | $59 |
| Travelers | $69 |
| Mendota | $70 |
| Trexis One | $70 |
| Safeco | $70 |
| Root | $73 |
| First Acceptance | $78 |
| Shelter | $79 |
| GAINSCO | $81 |
| Dairyland | $114 |
| Hugo | $127 |
| Liberty Mutual | $132 |
Insurers in Mississippi can consider your credit history when determining your car insurance rates.[8] Drivers with bad credit pay an average of $88 per month for liability-only coverage in Mississippi.
The following table lists the cheapest auto insurance rates for Mississippi drivers with poor credit.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $54 |
| State Farm | $62 |
| National General | $73 |
| Progressive | $76 |
| Bristol West | $76 |
| Direct Auto | $81 |
| Allstate | $86 |
| Nationwide | $90 |
| GEICO | $91 |
| Safeco | $97 |
| Trexis One | $99 |
| Mendota | $100 |
| Travelers | $105 |
| Root | $106 |
| First Acceptance | $111 |
| GAINSCO | $116 |
| Shelter | $134 |
| Dairyland | $164 |
| Hugo | $180 |
| Liberty Mutual | $187 |
Compare quotes from 120+ top insurers
Understanding Mississippi car insurance by reading through these common questions can help you find the best rates.
The best car insurance companies in Mississippi include State Farm, Progressive, and USAA. They offer competitive rates to Mississippi drivers, and they offer discounts that can help you save even more on a policy.
Mississippi requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in personal property coverage.
Car insurance in Mississippi costs an average of $70 per month for liability-only insurance and $133 per month for full coverage, Insurify data shows.
State Farm is the cheapest car insurance company in Mississippi, with an average rate of $43 per month. It’s followed closely by USAA and National General.
You can get cheaper coverage in Mississippi by asking about car insurance discounts, increasing your deductible (if applicable), decreasing your coverage limits, or getting multiple car insurance quotes.
No. Mississippi is an at-fault state, which means you’re liable for damage to other people and their property if you cause an accident.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
