Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Who Are the Cheapest Car Insurance Companies in Mississippi?
Who Are the Cheapest Car Insurance Companies in Mississippi?
We reviewed the top car insurance companies in Mississippi and found that State Farm has the best rates for a minimum coverage policy ($492 per year), as well as for full coverage ($1,343).
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In fact, the most expensive auto insurance company in Mississippi costs nearly three times as much as the cheapest auto insurance company. That's why to find the best car insurance rates, drivers should compare rates from a few different companies. To get started, use the tool above and type in your ZIP code to see the top providers near you or read on to see our research on rates.
Cheapest car insurance in Mississippi
Among widely available insurers, we found State Farm to be the cheapest for minimum coverage car insurance, charging an average of $492 per year. But if you qualify, USAA is the cheapest by far, at only $274 per year.
The average cost of car insurance in Mississippi is $734 per year, or $61 per month, for a minimum liability policy.
Find Cheap Auto Insurance Quotes in Mississippi
If you're looking for the cheapest auto insurance policy possible, you should buy one that only meets the minimum coverage limits required by Mississippi.
We analyzed auto insurance rates in Mississippi for our sample driver, a 30-year-old single man, as a benchmark to compare costs across eight companies.
Insurer | Annual Cost | |
|---|---|---|
| State Farm | $492 |
| Mississippi Farm Bureau | $508 |
| Nationwide | $600 |
| Allstate | $797 |
| Alfa | $818 |
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*USAA is only available to current and former military members and their families.
A minimum coverage policy with liability insurance will ensure you're compliant with state law, but we always recommend purchasing liability coverage beyond the minimum. In the event of a major accident in which bodily injury and property damage costs exceed these modest limits, Mississippi drivers will be on the hook for paying the remaining costs out of pocket.
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But if you qualify, \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E is the cheapest by far, at only $274 per year. \n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nThe average cost of car insurance in Mississippi is $734 per year, or $61 per month, for a minimum liability policy.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 607.5px)\"\n 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Quotes\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"MS Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--1000\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Mississippi\",\"trackingKey\":\"_best-cheap-car-insurance-mississippi\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you're looking for the cheapest auto insurance policy possible, you should buy one that only meets the minimum coverage limits \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"required by Mississippi\" href=\"#min-reqs\"\u003Erequired by Mississippi\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EWe analyzed auto insurance rates in Mississippi for our \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"sample driver\" href=\"#method\"\u003Esample driver\u003C\/a\u003E\u003C\/span\u003E, a 30-year-old single man, as a benchmark to compare costs across eight companies.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv class=\"ShortcodeCtaBanner--alternate-container ShortcodeCtaBanner--alternate-container-flex-column\"\u003E\n\n \u003Cdiv class=\"ShortcodeCtaBanner--content\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n 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src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$492\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Farm Bureau review\" href=\"https:\/\/www.valuepenguin.com\/farm-bureau-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Farm Bureau logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/floridafarmbureau-1\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/floridafarmbureau-1\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/floridafarmbureau-1 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/floridafarmbureau-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Farm Bureau Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/farm-bureau-insurance-review\"\u003EMississippi Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$508\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide review\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Nationwide logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/nationwide-4\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/nationwide-4\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/nationwide-4 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/nationwide-4 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003ENationwide\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$600\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Allstate review\" href=\"https:\/\/www.valuepenguin.com\/allstate-auto-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Allstate logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/allstate-3\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/allstate-3\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/allstate-3 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/allstate-3 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Allstate Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/allstate-auto-insurance-review\"\u003EAllstate\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$797\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Alfa review\" href=\"https:\/\/www.valuepenguin.com\/alfa-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Alfa logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/alfa-1\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/alfa-1\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/alfa-1 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/alfa-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Alfa\" href=\"https:\/\/www.valuepenguin.com\/alfa-insurance-review\"\u003EAlfa\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$818\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu gvWduk\"\u003EShow All Rows\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[\"25%\",\"40%\",\"35%\"],\"data\":[[\"Insurer\",\"\",\"Annual Cost\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"State Farm logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cstrong\\u003E$492\\u003C\\\/strong\\u003E\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Farm Bureau review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/farm-bureau-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Farm Bureau logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/floridafarmbureau-1\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/floridafarmbureau-1\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/floridafarmbureau-1 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/floridafarmbureau-1 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Farm Bureau Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/farm-bureau-insurance-review\\\"\\u003EMississippi Farm Bureau\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$508\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Nationwide logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003ENationwide\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$600\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Allstate review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/allstate-auto-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Allstate logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Allstate Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/allstate-auto-insurance-review\\\"\\u003EAllstate\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$797\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Alfa review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/alfa-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Alfa logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/alfa-1\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/alfa-1\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/alfa-1 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/alfa-1 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Alfa\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/alfa-insurance-review\\\"\\u003EAlfa\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$818\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Progressive logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003EProgressive\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,163\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Shelter Insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/shelter-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Shelter Insurance logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/shelter-1\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/shelter-1\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/shelter-1 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/shelter-1 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Shelter Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/shelter-insurance-review\\\"\\u003EShelter\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,222\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"USAA logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003EUSAA\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$274\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EA minimum coverage policy with \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"liability insurance\" href=\"https:\/\/www.valuepenguin.com\/cheap-liability-only-car-insurance\"\u003Eliability insurance\u003C\/a\u003E\u003C\/span\u003E will ensure you're compliant with state law, but we always recommend purchasing liability coverage beyond the minimum. In the event of a major accident in which bodily injury and property damage costs exceed these modest limits, Mississippi drivers will be on the hook for paying the remaining costs out of pocket.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheapest company for full coverage: State Farm
On average, Mississippi drivers get the cheapest full coverage policies with State Farm. We also recommend getting quotes from Mississippi Farm Bureau and Nationwide, who also had cheaper rates than the state average.
A full coverage policy includes comprehensive and collision insurance, in addition to state-mandated coverages, and is more expensive than a policy that just has liability insurance. Note that you may be required to pay a membership fee in order to qualify for the Farm Bureau's affordable insurance.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,343 | $112 |
| Mississippi Farm Bureau | $1,639 | $137 |
| Nationwide | $2,041 | $170 |
| Mississippi average | $2,167 | $181 |
Comprehensive insurance covers your car against damage from events that are "acts of God," such as weather. Collision insurance covers damage to your car that happens on the road regardless of who was at fault, so damage to your car will be covered if you're in a solo accident or in an accident that was your fault.
If you borrowed to finance your car purchase, or if you're leasing a car, your lender likely requires you to buy a full coverage policy.
For everyone else, we recommend full coverage insurance if the value of your car is higher than the sum of the cost of adding full coverage and your policy deductible.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--butter ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv class=\"ShortcodeCtaBanner--alternate-container ShortcodeCtaBanner--alternate-container-flex-column\"\u003E\n\n \u003Cdiv class=\"ShortcodeCtaBanner--content\"\u003E\n On average, Mississippi drivers get the cheapest full coverage policies with \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E. We also recommend getting quotes from \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Mississippi Farm Bureau\" href=\"https:\/\/www.valuepenguin.com\/farm-bureau-insurance-review\"\u003EMississippi Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E and \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003ENationwide\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E, who also had cheaper rates than the state average. \n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EA full coverage policy includes comprehensive and collision insurance, in addition to state-mandated coverages, and is more expensive than a policy that just has liability insurance. Note that you may be required to pay a membership fee in order to qualify for the Farm Bureau's affordable insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,343\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$112\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Mississippi Farm Bureau\" href=\"https:\/\/www.valuepenguin.com\/farm-bureau-insurance-review\"\u003EMississippi Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,639\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$137\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003ENationwide\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,041\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$170\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMississippi average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,167\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$181\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,343\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$112\\u003C\\\/strong\\u003E\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Mississippi Farm Bureau\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/farm-bureau-insurance-review\\\"\\u003EMississippi Farm Bureau\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,639\",\"$137\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003ENationwide\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$2,041\",\"$170\"],[\"Mississippi average\",\"$2,167\",\"$181\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EComprehensive insurance covers your car against damage from events that are \"acts of God,\" such as weather. Collision insurance covers damage to your car that happens on the road regardless of who was at fault, so damage to your car will be covered if you're in a solo accident or in an accident that was your fault.\u003C\/p\u003E\n\n\u003Cp\u003EIf you borrowed to finance your car purchase, or if you're leasing a car, your lender likely requires you to buy a full coverage policy.\u003C\/p\u003E\n\n\u003Cp\u003EFor everyone else, we recommend \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"full coverage insurance\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-full-coverage-auto-insurance\"\u003Efull coverage insurance\u003C\/a\u003E\u003C\/span\u003E if the value of your car is higher than the sum of the cost of adding full coverage and your policy deductible.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheap car insurance for drivers with prior incidents
State Farm is one of the cheapest insurers for drivers who have previous incidents on their driving record.
One major factor in determining your car insurance prices is your driving history. If you have one or more incidents on your record, you will likely pay a higher price than someone who hasn't, making shopping around for the best price even more important.
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Find Cheap Auto Insurance Quotes in Mississippi
Cheapest for drivers with an accident: State Farm
If you have an accident on your record, you should look to find savings with State Farm, which had the cheapest rates for any Mississippi insurer when our driver had been in an at-fault accident.
Mississippi Farm Bureau may also be an affordable option for Mississippi drivers. On average, it raised rates by $509 per year for our sample driver, which is less than most other insurers. Several insurance companies in Mississippi — such as Shelter, Progressive and Allstate — had much more severe penalties, in excess of $1,600, for our driver.
Mississippi insurance companies charge more for drivers with an accident on their record. In the eyes of an insurer, a history of crashes makes you more likely to make another claim in the future.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,630 | $136 |
| Mississippi Farm Bureau | $2,148 | $179 |
| Alfa | $2,463 | $205 |
| Mississippi average | $3,198 | $266 |
Cheapest car insurance for people with a speeding ticket: State Farm
We found that State Farm has the lowest prices for drivers with a speeding ticket, with an average rate of $1,458 annually (or $122 per month).
Our sample driver would save $317 each year by going with State Farm instead of the second-cheapest option.
In the eyes of insurance companies, a speeding ticket is indicative of risky behaviors, so you're likely to see your car insurance rates increase if you're caught going over the speed limit.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,458 | $122 |
| Mississippi Farm Bureau | $1,775 | $148 |
| Alfa | $2,361 | $197 |
| Mississippi average | $2,627 | $219 |
Cheapest car insurance for drivers with a DUI: State Farm
Some insurers don't weigh a DUI as heavily as others. For example, State Farm increased our sample driver's rates to just $1,458 per year — the same amount as if they'd gotten a speeding ticket.
Being convicted of a DUI is one of the most serious common driving offenses, and you're likely to face serious consequences, both from the justice system and on your insurance bill: The typical rate for car insurance in Mississippi after one DUI is $3,763 per year.
If you're convicted of a DUI in Mississippi, you might be required to get an SR-22 certificate in order to have your license reinstated. This can make your insurance go up even more.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,458 | $122 |
| Mississippi Farm Bureau | $2,787 | $232 |
| Alfa | $2,888 | $241 |
| Mississippi average | $3,763 | $314 |
Cheapest car insurance for drivers with poor credit: State Farm
For drivers with low credit, we recommend State Farm as the cheapest option. Its rates were 24% more affordable than the typical price we saw from all insurers.
Mississippi Farm Bureau is another affordable option at just $27 more per month than at State Farm.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $2,066 | $172 |
| Mississippi Farm Bureau | $2,365 | $197 |
| Alfa | $2,518 | $210 |
| Mississippi average | $2,701 | $225 |
While your credit score doesn't have anything to do with how safe of a driver you are, insurers have found that people with bad credit histories are more likely to make an insurance claim. As a result, having a bad credit score can make your insurance rates increase. Drivers with substandard credit may be able to lower their rates by improving their credit scores.
Cheapest car insurance for married drivers: State Farm
We recommend married drivers looking for the lowest rates consider State Farm, which had the cheapest price we found overall. While State Farm doesn't offer a discount for married drivers, its prices were still the most affordable option.
For drivers looking to maximize their savings, the two insurers with the biggest discounts were Shelter (22%) and Progressive (19%), though they weren't the cheapest options.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,343 | $112 |
| Mississippi Farm Bureau | $1,448 | $121 |
| Nationwide | $1,875 | $156 |
| Mississippi average | $1,937 | $161 |
Typically, people who are married will pay a little less for insurance — about 10% less in Mississippi, on average — just because they are married. Insurers have found that married people are less likely to make an insurance claim.
Married drivers with more than one car or driver in their household can likely save even more on their car insurance by qualifying for a multi-car or multi-driver discount, which weren't factored into our sample quotes.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--butter ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv class=\"ShortcodeCtaBanner--alternate-container ShortcodeCtaBanner--alternate-container-flex-column\"\u003E\n\n \u003Cdiv class=\"ShortcodeCtaBanner--content\"\u003E\n We recommend married drivers looking for the lowest rates consider \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E, which had the cheapest price we found overall. While State Farm doesn't offer a discount for married drivers, its prices were still the most affordable option. \n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor drivers looking to maximize their savings, the two insurers with the biggest discounts were Shelter (22%) and Progressive (19%), though they weren't the cheapest options.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,343\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$112\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMississippi Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,448\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$121\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,875\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMississippi average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,937\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$161\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,343\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$112\\u003C\\\/strong\\u003E\"],[\"Mississippi Farm Bureau\",\"$1,448\",\"$121\"],[\"Nationwide\",\"$1,875\",\"$156\"],[\"Mississippi average\",\"$1,937\",\"$161\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ETypically, people who are married will pay a little less for insurance \u2014 about 10% less in Mississippi, on average \u2014 just because they are married. Insurers have found that married people are less likely to make an insurance claim.\u003C\/p\u003E\n\n\u003Cp\u003EMarried drivers with more than one car or driver in their household can likely save even more on their car insurance by qualifying for a multi-car or multi-driver discount, which weren't factored into our sample quotes.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheapest car insurance for young drivers: Mississippi Farm Bureau
Teens looking for the most affordable car insurance should consider Mississippi Farm Bureau, which offered the most affordable widely available option. Its average rate for a minimum coverage policy was just $1,230 annually, and a full coverage policy was just $2,940.
Young drivers are likely to pay more for car insurance than older people because they get in accidents more often. The average price for a full coverage policy for an 18-year-old is $5,960, and the price for a state minimum policy is $2,220.
Insurer | Full coverage | Minimum coverage |
|---|---|---|
| Mississippi Farm Bureau | $2,940 | $1,230 |
| State Farm | $4,019 | $1,691 |
| Shelter Mutual | $5,730 | $2,865 |
| Nationwide | $6,480 | $2,101 |
| Alfa | $6,508 | $2,618 |
| Allstate | $8,932 | $2,555 |
| Progressive | $10,858 | $4,012 |
| USAA | $2,215 | $686 |
| Mississippi average | $5,960 | $2,220 |
*USAA is excluded from rankings because it is only available to current and former military members and their families.
For young drivers with a military affiliation, USAA has even more affordable rates; however, you're only eligible to buy a policy from them if you or a family member have served in the armed forces.
Cheapest for young drivers with one accident: Mississippi Farm Bureau
We recommend Mississippi Farm Bureau as the most affordable insurer for young drivers with a recent accident. It's nearly twice as affordable as the statewide average and over $1,000 cheaper than the next most affordable option, State Farm.
Getting in an accident can increase your rates, especially if you're a younger driver who's still building their skills behind the wheel. We found that a single accident can boost your rates substantially — you could see a price increase of around 30%.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| Mississippi Farm Bureau | $3,951 | $329 |
| State Farm | $5,004 | $417 |
| Nationwide | $7,190 | $599 |
| Mississippi average | $7,739 | $645 |
The best way for a younger driver to lower their insurance rate is to share a car insurance policy with an older adult, like a parent or sibling, if they can. A joint policy with one teen and one older adult will almost always be substantially cheaper than individual policies.
Cheapest for young drivers with one speeding ticket: Mississippi Farm Bureau
If you got a speeding ticket recently, look at Mississippi Farm Bureau. Its rates increased by only $280 per year after a speeding ticket, and it was the cheapest option among the widely available companies we looked at.
If you're caught speeding by the police, you're likely to pay a big premium on your car insurance afterwards. The typical increase is $926 per year for an 18-year-old.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| Mississippi Farm Bureau | $3,220 | $268 |
| State Farm | $4,413 | $368 |
| Nationwide | $7,013 | $584 |
| Mississippi average | $6,887 | $574 |
If you're a younger driver looking to get a discount on your policy, see if your insurer provides discounts for taking a driver education course beyond what was required to get your license. These classes may get you a discount of 10% or more, depending on your insurer.
Best auto insurance companies in Mississippi
Having affordable car insurance is important, but it's just as important to have coverage you can count on. We found that USAA has the best customer service among insurers in Mississippi, with the most people who ranked their service as excellent and were "extremely satisfied" with their claim.
Overall rank* | Group | Claim satisfaction rating | Customer service rating |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | Nationwide | 78% | 53% |
| 3 | State Farm | 73% | 46% |
| 4 | Allstate | 72% | 47% |
| 5 | Progressive | 74% | 34% |
Show All Rows
*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the Methodology section.
We also gathered customer service information from three other reputable sources: the National Association of Insurance Commissioners (NAIC), J.D. Power and A.M. Best.
Insurer | 2019 NAIC Complaint Index | 2020 J.D. Power Claims Satisfaction | A.M. Best Financial Strength Rating |
|---|---|---|---|
| State Farm | 0.66 | 881 | A++ |
| Mississippi Farm Bureau | 0.06 | — | A+ |
| Progressive | 0.18 | 856 | A+ |
| Liberty Mutual | 1.00 | 870 | A |
| Allstate | 0.71 | 876 | A+ |
| Geico | 1.01 | 871 | A++ |
| Shelter | 0.51 | — | A |
| Alfa | 0.40 | — | A |
| Nationwide | 0.79 | 876 | A+ |
| USAA | 0.68 | 890 | A++ |
| Safeway | 1.59 | — | A |
The NAIC Complaint index compares the number of complaints an insurer has received with its market share. The lower each company's complaint index, the fewer complaints it has. The national average is 1.0.
J.D. Power's Claims Satisfaction score is based on a national survey of car insurance customers. Higher scores are better, and the best possible rating is 1000.
A.M. Best's Financial Strength Rating is a letter grade describing an insurer's financial health and ability to pay out claims in negative economic climates or in times of high claim demand. The highest grade is A++.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EHaving affordable car insurance is important, but it's just as important to have coverage you can count on. We found that \u003Cstrong\u003EUSAA\u003C\/strong\u003E has the best customer service among insurers in Mississippi, with the most people who ranked their service as excellent and were \"extremely satisfied\" with their claim.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank*\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECustomer service rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E53%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu gvWduk\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank*\",\"Group\",\"Claim satisfaction rating\",\"Customer service rating\"],[\"1\",\"USAA\",\"78%\",\"62%\"],[\"2\",\"Nationwide\",\"78%\",\"53%\"],[\"3\",\"State Farm\",\"73%\",\"46%\"],[\"4\",\"Allstate\",\"72%\",\"47%\"],[\"5\",\"Progressive\",\"74%\",\"34%\"],[\"N\\\/A\",\"Alfa\",\"\\u2014\",\"\\u2014\"],[\"N\\\/A\",\"Mississippi Farm Bureau\",\"\\u2014\",\"\\u2014\"],[\"N\\\/A\",\"Shelter\",\"\\u2014\",\"\\u2014\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003E*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Methodology\" href=\"#methodology\"\u003EMethodology\u003C\/a\u003E\u003C\/span\u003E section.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EWe also gathered customer service information from three other reputable sources: the National Association of Insurance Commissioners (NAIC), J.D. Power and A.M. Best.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC Complaint Index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power Claims Satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EA.M. Best Financial Strength Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMississippi Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.06\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.18\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.00\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E870\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.71\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.01\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EShelter\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.51\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAlfa\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.40\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.79\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.68\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.59\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"2019 NAIC Complaint Index\",\"2020 J.D. Power Claims Satisfaction\",\"A.M. Best Financial Strength Rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Mississippi Farm Bureau\",\"0.06\",\"\\u2014\",\"A+\"],[\"Progressive\",\"0.18\",\"856\",\"A+\"],[\"Liberty Mutual\",\"1.00\",\"870\",\"A\"],[\"Allstate\",\"0.71\",\"876\",\"A+\"],[\"Geico\",\"1.01\",\"871\",\"A++\"],[\"Shelter\",\"0.51\",\"\\u2014\",\"A\"],[\"Alfa\",\"0.40\",\"\\u2014\",\"A\"],[\"Nationwide\",\"0.79\",\"876\",\"A+\"],[\"USAA\",\"0.68\",\"890\",\"A++\"],[\"Safeway\",\"1.59\",\"\\u2014\",\"A\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe NAIC Complaint index compares the number of complaints an insurer has received with its market share. The lower each company's complaint index, the fewer complaints it has. The national average is 1.0.\u003C\/p\u003E\n\n\u003Cp\u003EJ.D. Power's Claims Satisfaction score is based on a national survey of car insurance customers. Higher scores are better, and the best possible rating is 1000.\u003C\/p\u003E\n\n\u003Cp\u003EA.M. Best's Financial Strength Rating is a letter grade describing an insurer's financial health and ability to pay out claims in negative economic climates or in times of high claim demand. The highest grade is A++.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Mississippi car insurance minimum requirements
In Mississippi, all drivers are required to have auto insurance coverage. Driving without insurance in Mississippi can lead to a fine of $500 and license suspension. Below, we detail the minimum required auto insurance coverages for Mississippi drivers.
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn Mississippi, all drivers are required to have auto insurance coverage. Driving \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Penalties for Driving Without Insurance in Mississippi\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/mississippi\/penalties-driving-without-insurance\"\u003Ewithout insurance in Mississippi\u003C\/a\u003E\u003C\/span\u003E can lead to a fine of $500 and license suspension. Below, we detail the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"title-here\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/mississippi\/requirements\"\u003Eminimum required auto insurance coverages\u003C\/a\u003E\u003C\/span\u003E for Mississippi drivers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EBodily injury liability coverage:\u003C\/strong\u003E $25,000 per person and $50,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EProperty damage liability coverage:\u003C\/strong\u003E $25,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Average cost of car insurance in Mississippi, by city
How much is car insurance in Mississippi? We found the state has average annual car insurance premiums of $734 for a minimum coverage policy and $2,167 for a full coverage policy.
But rates change depending on where you live. We collected quotes for our sample driver across these eight insurers to determine the average cost per city. Then, we used the figure to compare the cities relative to one another, from the cheapest rates to the most expensive. Rates by city are for a full coverage policy.
- With average rates of $1,901 per year, Starkville is the cheapest city in Mississippi for car insurance.
- Hermanville is the most expensive city for auto insurance policies: Average rates are $2,485 per year for our sample driver.
City | Average annual cost | Difference from average |
|---|---|---|
| Starkville | $1,902 | -12.2% |
| Crawford | $1,914 | -11.7% |
| Mayhew | $1,923 | -11.3% |
| Artesia | $1,931 | -10.9% |
| Blue Springs | $1,945 | -10.3% |
Show All Rows
Mississippi rate changes by company
In Mississippi, auto insurance providers decreased their premiums by 2.9% in 2020, continuing the trend of lower premium rates observed in the past two years. State Farm showed the most significant decrease in premiums, with rates down by 10.2% compared to 2019. Additionally, several other companies in Mississippi opted to decrease their premium rates in 2020, such as Progressive and Shelter, who lowered their rates by 2.6% and 2.7%, respectively.
Insurer | Premiums written (millions) 2019 | Rate change 2019 | Rate change 2020 |
|---|---|---|---|
| State Farm | $468.5 | -3.3% | -10.2% |
| Progressive | $243.2 | -2.4% | -2.6% |
| Southern Farm Bureau | $237.1 | 0.0% | 0.0% |
| Allstate | $149.7 | 0.1% | -0.1% |
| Geico | $149.6 | 0.0% | 0.0% |
| Liberty Mutual | $147.0 | 7.6% | 3.3% |
| USAA | $114.6 | 0.0% | 1.6% |
| Nationwide | $92.7 | 0.0% | 1.5% |
| Alfa | $69.0 | -1.8% | 0.0% |
| Shelter | $67.0 | 3.6% | -2.7% |
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn Mississippi, auto insurance providers decreased their premiums by 2.9% in 2020, continuing the trend of lower premium rates observed in the past two years. State Farm showed the most significant decrease in premiums, with rates down by 10.2% compared to 2019. Additionally, several other companies in Mississippi opted to decrease their premium rates in 2020, such as Progressive and Shelter, who lowered their rates by 2.6% and 2.7%, respectively.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPremiums written (millions) 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2020\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$468.5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-3.3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-10.2%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$243.2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-2.4%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-2.6%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESouthern Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$237.1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$149.7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.1%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-0.1%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$149.6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$147.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E7.6%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3.3%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$114.6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.6%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$92.7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.5%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAlfa\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" 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Recap of the cheapest auto insurance in Mississippi
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: Mississippi Farm Bureau
- Young drivers with one accident: Mississippi Farm Bureau
- Young drivers with one speeding ticket: Mississippi Farm Bureau
Methodology
We collected thousands of rates from ZIP codes across Mississippi for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Mississippi, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
ValuePenguin conducted a survey and asked current policyholders across several major car insurance companies about their satisfaction with claims and customer service. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company as "excellent."
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.