Best Car Insurance in Mississippi: Finding the best car insurance in Mississippi can feel like a daunting task, but it’s one of the most important financial decisions you’ll make as a driver.
Whether you’re commuting daily, taking occasional road trips, or cruising down the Natchez Trace, having the right car insurance is essential for your financial protection and peace of mind. But how do you know which provider offers the best coverage for your needs and budget?
In this article, we’ll explore your options, highlight the top insurance providers, and explain how you can get a free quote today.
What is Car Insurance and Why You Need It
Car insurance is a legal requirement in Mississippi and across the U.S. It’s designed to protect you financially if you’re involved in an accident, whether it’s damage to your vehicle, someone else’s vehicle, or medical costs. Mississippi has specific minimum coverage requirements, but it’s important to understand that having the minimum may not be enough for everyone.
Mississippi’s Minimum Insurance Requirements
In Mississippi, drivers are required by law to carry a minimum amount of liability insurance. These minimums include:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: Though optional, it’s highly recommended to protect you in case you’re hit by someone without sufficient insurance.
Different Types of Car Insurance Coverage in Mississippi
While Mississippi law only mandates liability insurance, there are several other coverage options you should consider to fully protect yourself:
- Liability Coverage: Covers damages to other vehicles and injuries to others if you’re at fault.
- Collision Coverage: Pays for damages to your own car in the event of an accident.
- Comprehensive Coverage: Covers damage to your car from non-accident incidents, such as theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): Pays for medical expenses for you and your passengers after an accident.
- Uninsured/Underinsured Motorist Coverage: Helps cover your costs if you’re hit by an uninsured or underinsured driver.
Best Car Insurance Providers in Mississippi
When it comes to choosing an insurance provider, these are some of the best companies known for their reliable coverage, competitive rates, and great customer service:
- State Farm: Known for its nationwide presence, State Farm offers competitive rates and a wide variety of discounts.
- GEICO: GEICO is often praised for offering some of the most affordable rates in Mississippi, especially for good drivers.
- Allstate: With a focus on comprehensive coverage and customer service, Allstate is a solid choice for those seeking peace of mind.
- Progressive: Progressive is ideal if you’re looking for customizable plans and the ability to bundle multiple policies.
- USAA: If you or your family are part of the military, USAA offers unbeatable rates and superior customer satisfaction.
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 Find Affordable Car Insurance in Mississippi
Finding affordable car insurance isn’t just about choosing the company with the lowest premiums. Here are a few tips to ensure you’re getting the best deal:
- Factors that Affect Car Insurance Rates: Age, gender, driving history, credit score, and location all play a role in determining your premium.
- Comparing Quotes: Always compare at least three quotes from different providers before making a decision.
- Take Advantage of Discounts: Many insurers offer discounts for safe driving, being a good student, bundling policies, or having anti-theft devices installed in your vehicle.
Proven Ways to Save Money on Car Insurance
Looking to cut down on your premium without sacrificing coverage? Here are some proven strategies:
- Bundle Policies: Combine your car insurance with homeowners or renters insurance for a discount.
- Maintain a Clean Driving Record: Insurance companies reward drivers with no accidents or violations.
- Increase Your Deductibles: Raising your deductible can significantly lower your monthly premium.
- Reduce Coverage on Older Cars: If your vehicle is older and worth less, consider reducing comprehensive and collision coverage.
Why You Should Always Compare Car Insurance Quotes
Insurance premiums can vary dramatically between providers. Even if you’re happy with your current coverage, it’s worth shopping around every year or two to make sure you’re still getting the best deal. Comparison tools online make this easy, allowing you to get quotes from multiple companies in minutes.
Steps to Get a Free Car Insurance Quote
There are several ways to get a free car insurance quote in Mississippi:
- Use Online Comparison Tools: Websites like The Zebra or NerdWallet let you enter your details once and get multiple quotes in return.
- Visit Insurers’ Websites: Most major insurance companies offer free quotes directly on their websites.
- Speak with Independent Agents: Independent agents work with multiple insurers and can help you compare policies to find the best option.
What Impacts Your Car Insurance Rates
Several factors can impact how much you’ll pay for car insurance in Mississippi:
- Age and driving experience
- Vehicle make and model
- Credit score
- Location and driving habits
- Claims history
Common Car Insurance Discounts in Mississippi
Taking advantage of discounts is one of the easiest ways to save on car insurance. Some common discounts include:
- Safe driver discounts
- Good student discounts
- Multi-policy discounts
- Anti-theft device discounts
Why Customer Service Matters in Car Insurance
Good customer service is crucial when it comes to car insurance. Whether you need to file a claim or simply update your policy, responsive and knowledgeable agents can make a big difference. Always check customer reviews before committing to a provider.
Mistakes to Avoid When Choosing Car Insurance
When shopping for car insurance, avoid these common mistakes:
- Focusing only on price: While saving money is important, make sure the coverage meets your needs.
- Not understanding coverage: Know exactly what each part of your policy covers to avoid surprises later.
- Forgetting to update your policy: Life changes like moving or buying a new car should prompt an insurance review.
Penalties for Not Having Car Insurance in Mississippi
Driving without insurance in Mississippi can lead to serious legal consequences, including:
- Fines and penalties
- Potential for license suspension
- Increased future insurance rates
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.
