cheap car insurance in Mississippi

At CheapInsurance.com, we’ve assembled information, useful tips, and price comparisons to help you find cheap car insurance in Mississippi.

Named after the state in which it is based, the Mississippi River is one of the longest river systems in North America. Traveling through the state, you will find a number of small towns located along the river.

There are also many opportunities in Mississippi to enjoy outdoor activities such as hiking, camping, and fishing.

If you are driving in Mississippi, it is a legal requirement to have minimum liability car insurance.

We have found that on average, the cost of a minimum liability car insurance policy in Mississippi is $119.31 per month.

Magnolia State Cruising: Updates & Insurance Insights for Mississippi 2024

Get ready to explore rolling hills and charming towns in Mississippi with these key updates for drivers in 2024:


Mississippi Vehicle Code Changes:

  • Increased penalties for speeding: Expect harsher fines and potential driver’s license suspension for excessive speeding violations. (Source: Mississippi Code Section 63-15-43)
  • Clarification on electric vehicle (EV) charging infrastructure: State agencies can now partner with private entities to develop EV charging stations. Stay updated through the Mississippi Department of Transportation. (Source: Mississippi Code Section 27-13-33)
  • No major changes to distracted driving laws: Existing prohibition on texting while driving remains in place. (Source: Mississippi Code Section 63-3-1043)

Remember: These are just highlights, and other changes may apply. Visit the Mississippi Department of Public Safety website for complete information. (Source: Mississippi Department of Public Safety)

Average Auto Insurance Rates in Mississippi (2024):

(Sources: The Zebra, ValuePenguin)

Company

Full Coverage

Minimum Coverage

State Farm

$1,707

$392

GEICO

$1,622

$355

Progressive

$1,784

$340

Farmers

$1,833

$378

Liberty Mutual

$1,942

$407

Remember: Individual rates in Mississippi can vary significantly based on driving history, location, vehicle type, and desired coverage. Consider factors like the mandatory 25/50/25 liability coverage limit when comparing options.

To help you find the best deals on car insurance in the state, we’ve compared quotes from car insurers in these Mississippi counties:

  • Hinds County.
  • Harrison County.
  • DeSoto County.
  • Rankin County.
  • Jackson County.

We’ve also compared quotes from these car insurers:

  • Clearcover.
  • Progressive.
  • GAINSCO.
  • Direct Auto.
  • Liberty Mutual.
  • Bristol West.
  • Allstate.
  • Travelers.

The cost of car insurance differs from one driver to the next depending on a number of factors, such as:

  • Your age.
  • Car model and make.
  • Type of insurance.
  • Location (where you live).
  • Driving record.

Because of these distinctions, we’ve compared the cost of Mississippi car insurance for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16 and 25).
  • Bad drivers (those with a history of traffic violations).

What Is Minimum Liability Car Insurance in Mississippi?

Minimum liability insurance is the least amount of coverage you need to have in place to pay for any damages you cause in a car accident. Liability insurance typically includes:

  • Bodily injury liability coverage: This covers other people’s physical damages in an accident.
  • Property damage liability coverage: This covers damages to the other driver’s property if you are involved in an accident.

The minimum liability car insurance requirements in Mississippi are as follows:

  • $25,000 bodily injury per person.
  • $50,000 bodily injury per accident.
  • $25,000 property damage per accident.

Bodily injury covers medical bills for people other than the policyholder who are injured during an accident.

Mississippi is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for expenses—either through their car insurance provider or out of pocket.

If it’s determined that an insured driver is at fault for an accident, property damage liability coverage pays for repairs to the property of the other involved parties.

Property damage coverage can also pay for legal costs if the insured driver is involved in a lawsuit following the accident.

Is Minimum Coverage Car Insurance Enough?

While it may seem like a good idea to save money by getting only the minimum liability insurance required to comply with Mississippi law, this may not be sufficient in many instances.

Let’s look at an example. The minimum coverage for bodily injury liability in Mississippi is $25,000.

If you’ve caused a serious accident and the other party’s medical bills total $40,000, you will have to pay $15,000 from your pocket (the difference between $40,000 and $25,000).

Remember, liability insurance only protects third parties and doesn’t reimburse you if your car is stolen, damaged, or totaled.

To get full coverage, you may want to consider adding collision or comprehensive insurance to your auto insurance policy.

Key Point: What Is Comprehensive and Collision Coverage?

  • Comprehensive coverage: This type of insurance will compensate you if your car is damaged or totaled due to a non-accident-related event (e.g. fire, flood), or if it’s stolen.
  • Collision coverage: This type of auto insurance will compensate you if your car is totaled or damaged in a car accident with another car, regardless of who is at fault.

Minimum Liability Insurance in Mississippi

We have found that on average, the cost of a minimum liability car insurance policy in Mississippi is $119.31.

Clearcover offers the lowest insurance rates for minimum liability coverage, costing $63.00 on average per month.

Cheapest Minimum Liability Car Insurance in Mississippi

ProviderHinds CountyHarrison CountyDeSoto CountyRankin CountyJackson CountyAverage
Clearcover$78.00N/A$57.00$54.00N/A$63.00
Progressive$134.00$132.00$45.00$126.00$133.00$114.00
GAINSCO$248.00$182.00$70.00$164.00$155.00$163.80
Direct AutoN/A$115.00$96.00N/AN/A$105.50
Liberty MutualN/A$187.00$77.00$181.00$156.00$150.25
Bristol WestN/AN/A$74.00N/AN/A$74.00

Find Cheap Comprehensive Car Insurance in Mississippi

Comprehensive coverage insurance can be seen as ‘bad luck’ coverage for your car. It pays for damage to your vehicle due to random events outside of your control.

While having a comprehensive coverage car insurance policy is optional in Mississippi, you should consider purchasing it if you can afford to.

If you choose not to take out comprehensive car insurance, it would benefit you to have enough savings to cover damage to your vehicle in the event of the following:

  • Theft or theft of parts.
  • Non-crash damage (natural disasters, fire, flooding).

Car damage repairs can escalate rapidly into thousands of dollars.

Without comprehensive car insurance, you risk finding yourself in a situation where you are unable to drive your car because you cannot afford to repair it.

We’ve found that the cheapest insurance company for comprehensive car insurance in Mississippi is Allstate with an average rate of $138.20.

Cheapest Comprehensive Car Insurance in Mississippi

ProviderHinds CountyHarrison CountyDeSoto CountyRankin CountyJackson CountyAverage
Allstate$131.00$134.00$144.00$145.00$137.00$138.20
Progressive$173.00$174.00$151.00$163.00$165.00$165.20
Clearcover$181.00N/A$171.00$173.00N/A$175.00
Travelers$246.00$221.00$206.00$210.00$209.00$218.40
Liberty MutualN/A$324.00$281.00$298.00$214.00$279.25

Factors Affecting Car Insurance Costs in Mississippi

What you pay for car insurance will depend on factors in your unique driving profile, including the kind of car you drive and the amount of coverage you need.

Other factors include:

  • Your age: Drivers under 25 and over 65 pay higher auto insurance rates because they are statistically more likely to be involved in accidents.
  • Location: Cities that have higher population densities charge steeper auto insurance premiums because the chances of accidents are higher than in rural areas.
  • A poor credit rating: In Mississippi, a driver with a poor credit score is almost sure to pay higher premiums than a driver with an excellent credit score.

You can demonstrate financial responsibility by maintaining minimum car insurance with no gaps in coverage.

Letting your coverage lapse could result in a higher rate when you get your next policy.

Cheap Car Insurance in Mississippi for Drivers with Clean Driving Records

You can qualify for good driver rates by practicing safe driving and having a motor vehicle driving record that is free of accidents and claims.

Companies may offer one or both of these two common types of good driver discounts:

  • A discount for avoiding violations for a certain number of years.
  • A discount for avoiding accident claims for a certain number of years.

If you are a new driver without enough driving experience to qualify for a good driver discount, you could consider enrolling in a defensive driving course in order to increase your road sense.

We’ve looked at the average auto insurance rates offered by auto insurance companies for good drivers. The two cheapest companies for good drivers are:

  • Allstate with average rates of $136.00.
  • Progressive with average rates of $160.00

Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Mississippi

ProviderHinds CountyHarrison CountyDeSoto CountyRankin CountyJackson CountyAverage
Allstate$134.00$130.00$139.00$140.00$137.00$136.00
Progressive$168.00$166.00$144.00$157.00$165.00$160.00
Clearcover$211.00N/A$154.00$156.00N/A$173.67
Travelers$232.00$199.00$188.00$190.00$209.00$203.60
Liberty MutualN/A$254.00$227.00$239.00$214.00$233.50

Cheap Car Insurance in Mississippi for High-Risk Drivers

Auto insurance companies use the term ‘high risk’ to describe drivers who are more likely to make a claim against their auto insurance policy.

Some of the offenses that may lead to being considered a high-risk driver include:

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Driving without meeting the minimum liability coverage requirements.
  • A poor credit history.
  • Unpaid insurance policy premiums.

If you are a high-risk driver, Mississippi car insurance companies are likely to increase the cost of your insurance.

We’ve compared quotes from various insurers to help you find the best rate. The cheapest auto insurance company for high-risk drivers is Direct Auto with average rates of $163.50.

Cheap Auto Insurance for Bad Drivers in Mississippi (DUI, Traffic Tickets)

ProviderHinds CountyHarrison CountyDeSoto CountyRankin CountyJackson CountyAverage
Direct Auto$166.00$161.00N/AN/AN/A$163.50
Progressive$220.00$198.00$161.00$232.00$232.00$208.60
Allstate$301.00$298.00N/A$313.00$289.00$300.25
GAINSCON/AN/A$171.00N/AN/A$171.00

Cheapest Car Insurance in Mississippi for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it.

Teens tend to get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their car covered.

A minimum coverage policy—while it can be much cheaper—could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out of pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

On average, most young drivers will see their rates decline as they get older, with a significant decrease once they’ve turned 25 years old.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.

The cheapest auto insurance for young drivers is Direct Auto with average rates of $91.00 per month.

Cheapest Car Insurance for Young Drivers in Mississippi

ProviderHinds CountyHarrison CountyDeSoto CountyRankin CountyJackson CountyAverage
Direct Auto$127.00$83.00N/A$63.00N/A$91.00
Allstate$215.00N/AN/AN/AN/A$215.00
Progressive$324.00$103.00$215.00$80.00N/A$180.50
Travelers$327.00N/AN/AN/AN/A$327.00
GAINSCON/A$111.00$287.00$94.00N/A$164.00
Bristol WestN/A$150.00N/A$128.00N/A$139.00

Need Cheap Car Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state in which you live.

If you plan to move from Mississippi, you will need to find out more about the cheapest car insurance companies in the state you move to, unless your current carrier operates in the state you are moving to.

As the grace period will vary from one state to another, you’ll usually have 30 to 90 days to cancel your car insurance and get car insurance in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

Top Tips for Finding Affordable Car Insurance

Consider how you use your car

If you generally use your car to drive short distances such as to the grocery store or to fetch your children from school, most types of standard car insurance should cover your needs.

However, if you have unique needs, you should check whether your car insurance company covers these requirements.

Unique needs may include:

  • Multiple drivers sharing one car.
  • Using your car for ridesharing.
  • Using your car for work-related deliveries.
  • Consolidating all of your insurance policies under one provider.

Compare quotes from different car insurance companies

It’s always a good idea to shop around before making a decision about car insurance.

Although you can do the research yourself, going through a reputable company like CheapInsurance.com can save you a lot of time and money.

To be sure that you’re getting the best rates on your car insurance it is best to compare quotes from multiple insurers.

You can compare quotes from different insurance providers by entering your zip code at the top of this page and using our online quote finder.

Top Car Insurance Companies in Mississippi

Clearcover

The primary goal of this AI-powered, tech-oriented company is to sell car insurance at affordable prices.

The Chicago-based company was established in 2016 and has been attracting positive attention with its focus on affordable, hassle-free policy management and claims processing.

The company currently operates in 20 states and targets customers who want to combine pocket-friendly rates with technological convenience.

Clearcover also provides all the typical coverage types you expect from a reputable insurance company. Standard coverage options include:

  • Liability (bodily injury and property damage).
  • Medical payments.
  • Collision.
  • Comprehensive.
  • Uninsured motorist (bodily injury and property damage).

Allstate

Allstate Insurance Company is a significant national provider of car, home, life, motorcycle, renters, and off-road insurance, among other products.

It is well-known in the vehicle insurance business for its long history and comprehensive coverage offerings.

The Allstate Corporation is headquartered in Northfield Township, Illinois. The corporation ranked 70th in the 2021 Fortune 500 list of the largest U.S. corporations by total revenue, at $44,791 billion.

The Better Business Bureau (BBB) has given Allstate a rating of A+.

Mississippi Car Insurance FAQs

How much car insurance do I need in Mississippi?

Mississippi drivers must have the following minimum liability insurance coverage to comply with the state’s insurance laws:

  • $25,000 bodily injury liability for one person in an accident.
  • $50,000 bodily injury liability for two or more people in an accident.
  • $25,000 property damage liability per accident.

Is it legal to drive without car insurance in Mississippi?

If you own a vehicle that is registered in the state of Mississippi, you are required by law to carry car insurance which protects you legally and financially if you cause an accident.

Driving without proof of insurance could lead to a misdemeanor conviction, imposition of a $500 fine, and suspension of driving privileges for up to one year (or until the offender can demonstrate that he or she is properly insured).

How much is car insurance in my city in Mississippi?

The cost of car insurance in Mississippi varies depending on a number of factors, including ZIP code, driving record, age, credit score, and coverage.

The best way to determine how much you’ll pay for auto insurance is to speak to an agent or insurance company, or you can enter your zip code at the top of this page.

Is Mississippi a no-fault state?

No, Mississippi is not a no-fault state. Instead, Mississippi uses an at-fault system, which means insurers consider who is at fault before determining and offering compensation for damages.

What is the best car insurance company in Mississippi?

The best insurance company may not have the cheapest car insurance rates, but may excel in another important area for you.

When choosing auto insurance, consider what is most important to you—such as price, coverage offerings, and available discounts.

How Do I Find Cheap Auto Insurance in Mississippi?

To find the cheapest Mississippi car insurance, we recommend comparing insurance quotes from multiple companies.

This can be a time-consuming process, so why not let CheapInsurance.com help you find the best deals? You can do this by simply entering your zip code at the top of this page.

Though Mississippi residents have the lowest per-capita income of any state in the US, the state’s auto insurance premiums don’t reflect this ranking. Fortunately, Cheap Insurance makes it easier to get the cheap car insurance drivers in Mississippi are seeking. Kickstart the process of purchasing budget-friendly car insurance coverage by getting a free quote today.

Quick Mississippi Car Insurance Facts

Want to learn more about car insurance in the Magnolia State? Here are some quick facts you should know:

  • MS law requires all drivers to carry liability insurance with a minimum of $50,000 per accident for bodily injury and $25,000 per accident for property damage.
  • The average cost of car insurance in MS is $492 annually for minimum coverage or $1,782 for full coverage.
  • About 24% of MS drivers do not have auto insurance.
  • Those caught driving without insurance could be charged a $1,000 fine and have driving privileges suspended.
mississippi-cheap-car-insurance

Minimum Mississippi Car Insurance Coverage

State law dictates that all Mississippi drivers must carry bodily injury and property damage liability insurance, with the following minimums:

Bodily injury: $25,000 per person, $50,000 per accident

Property damage: $25,000 per accident

Getting Cheap Car Insurance In Mississippi

Cheap car insurance is possible when you’re a good driver and shop around for the right policy for your needs. Here are some tips on finding budget-friendly car insurance coverage in MS:

  1. Keep a good driving record: Drivers with a history free of accidents and traffic violations will get cheaper insurance.
  2. Ask about discounts: Potential discounts include service members, good driving, students, and more.
  3. Get a high-deductible plan: High deductibles for collision and comprehensive coverage will lower your monthly rates.
  4. Mississippi insurance programs: Certain state programs could save you money on car insurance.

Mississippi Car Insurance Discounts

Some car insurance providers in MS offer discounts, such as:

Good Driver: Mississippi drivers with a great driving record could qualify for discounted insurance premiums.

Good Student: If you’re a young adult or teen student, you could be eligible for a good student discount on car insurance.

FAQ

What is the average car insurance cost in Mississippi?

Car insurance in MS costs an average of $494 for minimum coverage and $1,782 for full coverage.

How much is car insurance per month in Mississippi?

Monthly car insurance rates break down to about $41–$148 per month.

What is the penalty for driving without insurance in Mississippi?

Driving without car insurance in Mississippi could result in the suspension of driver’s license and fines of up to $1,000.

What is driving like in Mississippi?

Mississippi is one of the deadliest states to drive in, with a rate of 26% of motor vehicle deaths per 100,000 people. (The national average is 13.42%). About 24% of MS drivers are uninsured.

How can I save money on my car insurance policy in Mississippi?

Save money on your car insurance policy by trying these techniques: 

  • Ask about discounts for insuring more than one car. 
  • Ask about discounts for mature or student drivers.
  • Ask about discounts for car safety features.
  • Ask about paying with an installment plan.
  • Ask about higher deductible plans.

Other Types of Coverage

Minimum auto insurance coverage simply isn’t adequate for some MS drivers. Here are other coverage options to consider:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance
  •  

Cities We Cover In Mississippi

Cheap car insurance in Mississippi is close to home when you shop with Cheap Insurance. Find affordable car insurance rates in the city below.