Car Insurance in Mississippi: Car insurance is essential for drivers in Mississippi, ensuring financial protection and legal compliance. However, finding the right policy can sometimes feel overwhelming.
With numerous options available and varying rates, it’s crucial to understand what you’re getting. The good news? You can easily find affordable coverage by comparing free car insurance quotes.
Let’s dive into everything you need to know about car insurance in Mississippi, from understanding the requirements to securing the best deal.
Why You Need Car Insurance in Mississippi
In Mississippi, having car insurance isn’t just a good idea—it’s the law. The state mandates that all drivers carry a minimum level of liability insurance to cover the costs associated with accidents, injuries, and damages. Failure to comply can result in serious legal consequences, including fines, license suspension, and even vehicle impoundment. Beyond the legal requirements, having insurance provides peace of mind, ensuring that you’re protected financially if the unexpected happens.
Types of Car Insurance Available in Mississippi
When shopping for car insurance, it’s important to know the different types of coverage available:
- Liability Insurance: Covers bodily injury and property damage to others in an accident where you’re at fault.
- Comprehensive Insurance: Protects your vehicle against non-collision-related incidents like theft, vandalism, or natural disasters.
- Collision Insurance: Covers damages to your car when involved in a collision, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
Minimum Car Insurance Requirements in Mississippi
Mississippi requires drivers to carry at least the following minimum car insurance limits:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
While these are the state-mandated minimums, it’s important to consider that these limits may not cover all expenses in a serious accident. Increasing your coverage limits and adding extra protection like comprehensive and collision coverage can save you from potential financial hardship.
Factors That Affect Car Insurance Rates in Mississippi
Several factors influence how much you’ll pay for car insurance in Mississippi. These include:
- Driving History: A clean driving record will help you get lower rates, while accidents or violations can increase premiums.
- Age and Gender: Younger drivers, especially teens, typically pay higher rates due to their inexperience.
- Location: Where you live can impact your rates—drivers in urban areas with higher traffic tend to pay more than those in rural regions.
- Type of Vehicle: Sports cars and luxury vehicles often come with higher premiums compared to standard sedans.
- Credit Score: Many insurers factor in your credit score when determining your rate, with better scores usually resulting in lower premiums.
Cheap Full Coverage in Mississippi
In Mississippi, drivers pay $1068 on average for a six-month auto insurance policy. A full coverage policy is more expensive than liability, but it provides significantly better protection with comprehensive and collision coverage. 60% of Zebra customers in Mississippi choose full coverage insurance for their vehicles.
Travelers, USAA and State Farm offer the best rates in Mississippi for full coverage policies.
Full coverage quotes in MS
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $807 | $135 |
| USAA | $815 | $136 |
| State Farm | $849 | $142 |
| Shelter | $1,035 | $173 |
| GEICO | $1,170 | $195 |
| Progressive | $1,297 | $216 |
| Allstate | $1,387 | $231 |
What are the best car insurance companies in Mississippi?
We ranked State Farm as the top car insurance provider in Mississippi based on customer feedback, independent ratings (including JD Power, Trustpilot, and AM Best), and factors such as available discounts and coverage choices. Below, you’ll find the advantages and disadvantages of State Farm, along with a comparison of other highly-rated insurers in Mississippi.
Overall best car insurance company in Mississippi — State Farm
State Farm took first place for best overall insurance company in Mississippi. This is due to its affordable premiums, range of coverage options, and high satisfaction ratings from both J.D. Power and our Customer Satisfaction Survey.
Pros
- Competitive rates in Mississippi
- Excellent customer satisfaction scores
- Plenty of bundling opportunities and discounts
- State Farm Drive Safe & Save telematics program available
Cons
- Less custom coverage options than similarly-sized carriers
- Above average number of complaints from the NAIC
Best car insurance companies in Mississippi — honorable mentions
Although State Farm ranked highest on our list, these other companies also performed strongly. Our rankings were based on data from the JD Power auto insurance survey and The Zebra’s Customer Satisfaction Survey, which gathered feedback from 2,722 drivers to identify the companies delivering the most customer satisfaction.
Best Car Insurance Companies in MS
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Direct General Insurance | $808 | $135 |
| Mississippi Farm Bureau | $899 | $150 |
| Nationwide | $1,080 | $180 |
Cheap Liability Insurance in Mississippi
The average cost for liability insurance in Mississippi is $313. Our data suggests that State Farm, USAA and Travelers offer the most affordable liability insurance in the state.
Liability insurance alone is typically not enough protection for the average driver, but it does fulfill state legal requirements. 40% of our Mississippi customers choose liability-only coverage. Liability insurance quotes in MS
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $221 | $37 |
| USAA | $221 | $37 |
| Travelers | $284 | $47 |
| GEICO | $305 | $51 |
| Shelter | $347 | $58 |
| Progressive | $407 | $68 |
| Allstate | $423 | $70 |
Mississippi auto insurance quotes after an accident or ticket
Your driving history plays a major role in determining your auto insurance premiums. Insurers often view past at-fault accidents as a risk indicator, which can result in higher policy costs. On average, a single at-fault accident could increase your annual car insurance rates to as much as $995.
See below the average auto insurance rates from top companies in Mississippi after an accident.
Best insurance companies in MS after an at-fault accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,056 | $176 |
| Shelter | $1,056 | $176 |
| State Farm | $1,105 | $184 |
| USAA | $1,180 | $197 |
| Allstate | $1,703 | $284 |
| GEICO | $1,775 | $296 |
| Progressive | $1,882 | $314 |
Tip: Don’t forget about claims satisfaction
Filing a claim is never ideal, but having a smooth, hassle-free process is crucial when you do. In our Customer Satisfaction Survey, we focused on those who had to file claims, and USAA and AAA emerged as the top choices among companies underwriting in Mississippi. Mississippians seeking peace of mind in critical moments like claims filing should consider these companies.
In Mississippi, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.
Mississippi auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $2,138 | $0 |
| One Med/PIP claim | $2,138 | $0 |
| Not-at-fault accident | $2,234 | $96 |
| One comp claim | $2,280 | $141 |
| Two Med/PIP claims | $2,290 | $151 |
| Driving without lights | $2,465 | $327 |
| Two comp claims | $2,477 | $338 |
| Failure to show documents | $2,541 | $402 |
| Failure to wear a seat belt | $2,546 | $408 |
| Driving with expired registration | $2,555 | $416 |
| Child safety restraint | $2,557 | $419 |
| Driving too slowly | $2,581 | $442 |
| Speeding in school zone | $2,581 | $442 |
| Failure to stop at a red light | $2,583 | $445 |
| Cell phone violation | $2,607 | $469 |
| Wrong way/wrong lane | $2,610 | $472 |
| Improper passing | $2,620 | $482 |
| Texting while driving | $2,620 | $482 |
| Speeding 6 – 10 MPH over limit | $2,633 | $494 |
| Speeding 11 – 15 MPH over limit | $2,634 | $495 |
| Failure to yield | $2,635 | $496 |
| Following too closely | $2,647 | $508 |
| Illegal turn | $2,648 | $510 |
| Speeding 16 – 20 MPH over limit | $2,657 | $519 |
| Speeding 21 – 25 MPH over limit | $2,670 | $531 |
| Passing school bus | $2,704 | $565 |
| In 65 MPH zone | $2,769 | $630 |
| At-fault accident – less than $1000 | $2,898 | $759 |
| Operating a vehicle without permission | $2,928 | $789 |
| Open container | $3,014 | $875 |
| At-fault accident – $1000-$2000 | $3,134 | $995 |
| At-fault accident – greater than $2000 | $3,134 | $995 |
| Reckless driving | $3,265 | $1,126 |
| Driving with a suspended license | $3,266 | $1,127 |
| Refusal to submit to a chemical test | $3,580 | $1,442 |
| DUI | $3,608 | $1,469 |
| Racing | $3,648 | $1,510 |
| Leaving scene of an accident/hit and run | $3,674 | $1,535 |
Car insurance price trends in Mississippi
Mississippi car insurance rates have remained fairly steady over the past decade, fluctuating in both directions by about $200 since 2021. While Mississippi drivers tend to pay more than the national average, they can take some comfort in the fact that rates haven’t seen extreme spikes.
Mississippi rates lean pricier due to the state’s proximity to the Gulf Coast region and the increased risk of weather-related damage. Still, state-wide rate changes each year are often driven by rising repair costs, higher medical expenses, and increased compensation for the growing number of uninsured drivers on the road.
Car insurance quotes in Mississippi since 2015
| Year | Avg. Annual Premium — Mississippi | Yearly Change — Mississippi |
|---|---|---|
| 2024 | $1,801 | $203 |
| 2023 | $1,598 | -$215 |
| 2022 | $1,813 | $206 |
| 2021 | $1,607 | $106 |
| 2020 | $1,501 | -$89 |
| 2019 | $1,590 | -$14 |
| 2018 | $1,604 | -$192 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Mississippi cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the top five largest cities in the state, the cheapest car insurance is found in Hattiesburg, Mississippi, and the most expensive in Jackson, Mississippi.
Have a look at the table below to see average car insurance costs in some of Mississippi’s biggest cities.
Mississippi car insurance rates by city
| City | Avg. Annual Premium |
|---|---|
| Hattiesburg | $1,742 |
| Southaven | $1,801 |
| Biloxi | $1,825 |
| Gulfport | $1,855 |
| Jackson | $1,989 |
Cheap auto insurance for teens and young drivers in Mississippi
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Mississippi, teen drivers pay especially high rates: $6,609 per year — that’s over 200% more than a typical Mississippi driver.
Cheapest car insurance quotes for young drivers in MS
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $2,333 | $389 |
| Shelter | $2,444 | $407 |
| USAA | $2,497 | $416 |
| State Farm | $2,782 | $464 |
| GEICO | $3,204 | $534 |
| Allstate | $4,075 | $679 |
| Progressive | $5,511 | $919 |
How to Get a Free Car Insurance Quote in Mississippi
Getting a free car insurance quote in Mississippi is easy, whether you choose to go through an insurance agent or compare quotes online. Here’s what you need to do:
- Online Quotes: Many insurance companies allow you to request quotes directly from their websites. Simply enter your information and get instant comparisons.
- Agent-Based Quotes: Working with an agent can provide a more personalized experience. Agents understand Mississippi’s local market and can tailor policies to your needs.
- Information You’ll Need: To get a quote, you’ll need your vehicle details, driving history, and information about any other drivers on your policy.
The Importance of Comparing Car Insurance Quotes
Don’t settle for the first quote you receive. Comparing multiple car insurance quotes allows you to explore different coverage options and find the best deal. Prices can vary significantly between providers, even for the same level of coverage. By comparing quotes, you can avoid unnecessary expenses and find a policy that meets your needs without breaking the bank.
Mississippi’s High-Risk Drivers and SR-22 Insurance
If you’re considered a high-risk driver due to serious driving violations, you may be required to obtain SR-22 insurance in Mississippi. This form of insurance proves that you have the minimum liability coverage required by law. High-risk drivers often face higher premiums, but maintaining a clean record can eventually lower those rates.
Car Insurance Discounts Available in Mississippi
To make car insurance more affordable, many insurers offer discounts, such as:
- Good Driver Discount: If you have a clean driving record, you may qualify for lower rates.
- Multi-Car Discount: Insuring more than one vehicle under the same policy can reduce costs.
- Student Discount: Full-time students with good grades can often receive lower premiums.
- Safety Features Discount: Vehicles equipped with safety features like airbags and anti-lock brakes can help you qualify for discounts.
How to Lower Your Car Insurance Premium in Mississippi
Looking to save on your car insurance premium? Consider these tips:
- Higher Deductible: Opting for a higher deductible can lower your monthly premium, though you’ll pay more out-of-pocket in the event of a claim.
- Bundling Policies: Combine your car insurance with homeowners or renters insurance for a multi-policy discount.
- Clean Driving Record: Maintaining a clean record over time can result in significant savings.
- Defensive Driving Course: Completing an approved defensive driving course may qualify you for a discount.
The Role of Local Agents in Mississippi Car Insurance
Working with a local insurance agent offers several benefits, including personalized service and local knowledge. Agents familiar with Mississippi’s unique driving conditions can recommend policies tailored to your lifestyle, whether you’re navigating the rural backroads or the busy streets of Jackson.
Understanding Mississippi’s At-Fault System
Mississippi operates under an at-fault insurance system, meaning the driver found responsible for an accident must pay for the damages. In the event of an accident, determining who is at fault is crucial, as it impacts which insurance company will cover the expenses. This system emphasizes the importance of having adequate liability insurance.
Common Car Insurance Mistakes to Avoid in Mississippi
When purchasing car insurance, avoid these common pitfalls:
- Choosing the Cheapest Policy: While saving money is important, the cheapest policy may not provide adequate coverage.
- Not Updating Your Policy: As your driving habits and needs change, it’s important to update your policy accordingly.
- Ignoring Discounts: Many drivers are unaware of the discounts they’re eligible for, so make sure to ask your provider.
Special Considerations for Car Insurance in Rural vs. Urban Areas in Mississippi
Where you live in Mississippi can have a big impact on your insurance rates. Drivers in cities like Jackson may face higher premiums due to higher traffic and accident rates, while rural drivers may pay less but could need additional coverage for wildlife-related accidents or longer commutes.
FAQs about Car Insurance in Mississippi
1. What are the minimum car insurance requirements in Mississippi?
Mississippi law requires drivers to carry liability insurance with minimum limits of 25/50/25. This means $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
2. Is car insurance mandatory in Mississippi?
Yes, all drivers in Mississippi are legally required to have at least the minimum liability coverage to operate a vehicle.
3. How can I get affordable car insurance in Mississippi?
To find affordable car insurance in Mississippi, compare quotes from multiple providers, maintain a clean driving record, and look for discounts like safe driver or multi-policy savings.
4. What factors affect car insurance rates in Mississippi?
Your insurance rates may depend on factors like your driving history, vehicle type, age, credit score, and location within the state.
5. Does Mississippi offer uninsured motorist coverage?
Yes, uninsured motorist coverage is available in Mississippi, though it’s not required by law. It protects you if you’re involved in an accident with an uninsured driver.
Conclusion
In summary, understanding car insurance in Oklahoma is crucial to finding the right coverage for your needs. We’ve covered key aspects such as types of car insurance, required coverage, and factors that affect your premiums. By taking the time to compare options and customize your policy, you can ensure that you’re getting the best value for your money.
Now it’s your turn to take action. Don’t settle for a one-size-fits-all solution—compare quotes and tailor your coverage to fit your specific needs. Click below to get a free quote today and start saving on car insurance in Oklahoma!
References
For further reading and to validate the information provided about car insurance in Mississippi, the following reputable sources offer additional insights:
- Mississippi Insurance Department – Auto Insurance Information
This official state resource provides comprehensive details on Mississippi’s car insurance requirements, coverage options, and regulations. - Insurance Information Institute – Mississippi Car Insurance Guide
The Insurance Information Institute offers an in-depth guide covering factors that affect car insurance rates and tips on choosing the best policy in Mississippi. - DMV.org – Mississippi Auto Insurance Requirements
This guide explains the minimum coverage required in Mississippi, how to maintain proof of insurance, and steps to take after an accident.
These sources will help validate the information and provide a broader understanding of car insurance in Mississippi.
