Cheapest Car Insurance Quotes in Mississippi (2026)
State Farm has the cheapest full coverage car insurance in Mississippi, at $142 per month.
Find Cheap Car Insurance Quotes in Mississippi
Best cheap car insurance in MS
State Farm, Farm Bureau and Travelers are the cheapest companies in Mississippi.
- Want full coverage? State Farm: $142/mo
- Only need minimum coverage? State Farm: $40/mo
- Want the best customer service? State Farm: $142/mo
- Have a speeding ticket? State Farm: $153/mo
- Caused an accident? State Farm: $142/mo
- Need coverage for a teen? Farm Bureau: $121/mo
- Got a DUI? Travelers: $231/mo
- Have poor credit? Travelers: $273/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in MS: State Farm and USAA
State Farm and USAA have the best cheap full coverage car insurance in Mississippi.
- State Farm charges an average of $142 per month for full coverage insurance, which is $59 per month cheaper than the Mississippi state average. It's also $18 per month less than the second-cheapest option, Travelers.
- USAA has even cheaper rates, at $109 per month for full coverage. However, only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap Car Insurance Quotes in Mississippi
Cheap full coverage car insurance in Mississippi
Company | Monthly rate |
|---|---|
| State Farm | $142 |
| Travelers | $160 |
| Farm Bureau | $185 |
| Shelter | $187 |
| USAA* | $109 |
*USAA is only available to current and former military members and their families.
Data-powered research on Mississippi car insurance
Cheapest liability car insurance quotes in Mississippi: State Farm
State Farm offers the cheapest minimum liability car insurance in Mississippi. At just $40 per month, minimum liability insurance from State Farm is $24 per month cheaper than the state average.
Cheap liability insurance in Mississippi
Company | Monthly rate |
|---|---|
| State Farm | $40 |
| Progressive | $46 |
| Farm Bureau | $51 |
| Travelers | $56 |
| USAA* | $34 |
*USAA is only available to current and former military members and their families.
Mississippi has more uninsured drivers than most other states. Even if you have coverage, there's a pretty big risk that you'll be hit by someone who doesn't. If you don't have protection, that could leave you with high bills for your damage and injuries, even if you weren't at fault.
Uninsured and underinsured motorist coverage can help you protect yourself. It's not required by the state of Mississippi, but it's typically affordable.
Instead of counting on other drivers to have coverage, you buy coverage yourself that pays when you're hit by someone who doesn't have coverage or doesn't have enough. That way, your policy kicks in instead of leaving you on the hook for an accident you didn't cause if you get hit by an uninsured driver.
Average Mississippi auto insurance rates by city
- State Farm has the cheapest full coverage insurance in 96% of cities and towns across Mississippi, including Gulfport, Southaven and Hattiesburg. Travelers has the cheapest rates in Jackson and the remaining 4% of Mississippi cities.
- Mississippi State University's campus in Starkville has the cheapest car insurance quotes in the state. People living on campus at Mississippi State pay an average of $173 per month for full coverage car insurance.
- The most expensive quotes are in Hermanville, a small town southwest of Jackson, where a full coverage policy costs $236 per month.
Find Cheap Car Insurance Quotes in Mississippi
Cheapest car insurance quotes in MS by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Jackson | $217 | Travelers | $162 |
| Gulfport | $208 | State Farm | $141 |
| Southaven | $198 | State Farm | $147 |
| Hattiesburg | $194 | State Farm | $137 |
| Biloxi | $206 | State Farm | $137 |
| Olive Branch | $195 | State Farm | $146 |
| Tupelo | $175 | State Farm | $125 |
| Meridian | $192 | State Farm | $141 |
| Pearl | $203 | State Farm | $148 |
| Madison | $203 | State Farm | $145 |
| Greenville | $197 | State Farm | $141 |
| Oxford | $191 | State Farm | $135 |
| Clinton | $205 | State Farm | $142 |
| Horn Lake | $198 | State Farm | $153 |
| Brandon | $204 | State Farm | $149 |
| Starkville | $173 | State Farm | $123 |
| Ridgeland | $204 | State Farm | $143 |
| Columbus | $181 | State Farm | $135 |
| Pascagoula | $203 | State Farm | $134 |
| Vicksburg | $208 | State Farm | $150 |
| Abbeville | $192 | State Farm | $134 |
| Aberdeen | $188 | State Farm | $130 |
| Ackerman | $192 | State Farm | $132 |
| Alcorn State University | $230 | State Farm | $169 |
| Algoma | $184 | State Farm | $126 |
| Alligator | $202 | State Farm | $138 |
| Amory | $188 | State Farm | $133 |
| Anguilla | $200 | State Farm | $145 |
| Arcola | $198 | State Farm | $139 |
| Arkabutla | $203 | State Farm | $138 |
| Arnold Line | $196 | State Farm | $143 |
| Artesia | $178 | State Farm | $132 |
| Ashland | $195 | State Farm | $133 |
| Avon | $198 | State Farm | $146 |
| Bailey | $190 | State Farm | $139 |
| Baldwyn | $177 | State Farm | $127 |
| Banner | $190 | State Farm | $130 |
| Bassfield | $212 | State Farm | $153 |
| Batesville | $207 | State Farm | $155 |
| Bay Springs | $200 | State Farm | $134 |
| Bay St. Louis | $212 | State Farm | $140 |
| Beaumont | $209 | State Farm | $143 |
| Becker | $192 | State Farm | $132 |
| Beechwood | $208 | State Farm | $149 |
| Belden | $176 | State Farm | $124 |
| Bellefontaine | $192 | State Farm | $133 |
| Belmont | $186 | State Farm | $121 |
| Belzoni | $197 | State Farm | $147 |
| Benoit | $193 | State Farm | $136 |
| Benton | $219 | State Farm | $160 |
| Bentonia | $221 | Travelers | $167 |
| Beulah | $196 | State Farm | $138 |
Best car insurance in Mississippi: State Farm
-
Full coverage rate$142/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
-
AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
ValuePenguin Senior Writer, Lindsay Bishop, chose the best car insurance companies in Mississippi based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Mississippi
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap auto insurance in MS after a speeding ticket: State Farm
State Farm has the most affordable quotes for Mississippi drivers with a recent speeding ticket. Full coverage from State Farm costs around $153 per month after one ticket, which is nearly $100 per month cheaper than the average.
Cheapest full coverage insurance in Mississippi after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $153 |
| Farm Bureau | $199 |
| Travelers | $202 |
| Shelter | $216 |
| USAA* | $142 |
*USAA is only available to current and former military members and their families.
Mississippi drivers with a speeding ticket pay 25% more for car insurance than drivers with clean records. That's because a speeding ticket shows insurance companies you're more likely to cause an accident in the future.
Cheap MS auto insurance after an accident: State Farm
State Farm has the cheapest rates for Mississippi drivers after an at-fault accident. The company charges $142 per month for full coverage after a crash. That's less than half the Mississippi state average after an accident, which is $317 per month.
Cheapest Mississippi car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $142 |
| Shelter | $191 |
| Travelers | $223 |
| Farm Bureau | $240 |
| USAA* | $109 |
*USAA is only available to current and former military members and their families.
In Mississippi, car insurance rates go up by an average of 58% after your first at-fault accident. That's an increase of around $116 per month for a full coverage policy.
Insurance companies charge more after a crash because they believe you're more likely to make another claim in the future.
Don't switch insurance companies right after a crash. Your rates won't go up until your current policy renews. However, any quotes you get now will include your accident, so they're likely more expensive than your current rate.
Instead, wait until you get your renewal offer before you shop for a new policy. This typically comes in the mail or via email a few weeks to a month before your current policy expires. Then, you should shop around for quotes from multiple companies to find the best price for you.
Cheap car insurance in MS for teens: Farm Bureau
Farm Bureau has the best cheap insurance for young drivers in Mississippi.
- Minimum liability coverage from MS Farm Bureau costs just $121 per month for an 18-year-old. That's around half the average cost of minimum coverage for Mississippi teens, which is $227 per month.
- Farm Bureau also has the most affordable full coverage quotes for teens. At $319 per month, full coverage from Farm Bureau costs $282 per month less than the Mississippi average.
Best cheap auto insurance in Mississippi for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $121 | $319 |
| State Farm | $139 | $401 |
| Travelers | $158 | $413 |
| Shelter | $177 | $455 |
| USAA* | $86 | $247 |
*USAA is only available to current and former military members and their families.
Young drivers in Mississippi pay about three times more for car insurance than older drivers. That's because they have less experience behind the wheel, which makes them more likely to cause an accident.
- The best way for Mississippi teens to save money on their car insurance is by sharing a policy with their parents. A shared policy is usually much less expensive than two separate policies.
- Most companies have discounts specifically for young drivers. For example, State Farm's Drive Safe & Save program offers a discount after you complete an online training course and practice with an older driver.
Cheap insurance in MS for teens with a ticket or accident: Farm Bureau and State Farm
- Speeding ticket: Farm Bureau is the most affordable Mississippi insurance company for young drivers after a speeding ticket. Minimum liability coverage from Farm Bureau costs $134 per month for an 18-year-old driver with one speeding ticket. That's $108 per month cheaper than the Mississippi average.
- Accident: State Farm has the cheapest rates for Mississippi teens after an accident. At $139 per month, minimum liability coverage from State Farm is $113 per month less than the average price in Mississippi.
In addition to affordable prices, both State Farm and Farm Bureau have great customer service. So it's a good idea to get a quote from each if you were recently in a crash or caught speeding.
Cheap liability insurance in MS for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $134 | $167 |
| State Farm | $154 | $139 |
| Travelers | $197 | $232 |
| Shelter | $215 | $182 |
| USAA* | $140 | $86 |
*USAA is only available to current and former military members and their families.
Mississippi teens can expect their rates to go up by around 6% after a speeding ticket and 11% after an at-fault accident. This is much smaller than the increase for adult drivers because teens are already considered higher risk on the road, even if they have a clean record.
Good grades could earn you a big discount, even if you have a bad driving record. Most insurance companies offer a good student discount for having a 3.0 or B GPA or higher, including State Farm, Travelers and Shelter.
For example, State Farm's good student discount can save you up to 25% on your car insurance bill. That could mean a savings of more than $400 per year after a ticket or accident.
Best insurance rates in Mississippi after a DUI: Travelers
- Travelers has the most affordable quotes in Mississippi after a DUI. At $231 per month, full coverage from Travelers is $172 per month cheaper than average.
- Mississippi drivers with a DUI should also consider Shelter, which costs $273 per month. Shelter has much better customer service reviews than Travelers, which could come in handy if you're in an accident in the future.
Affordable car insurance in Mississippi after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $231 |
| Progressive | $239 |
| Shelter | $273 |
| Farm Bureau | $305 |
| USAA* | $211 |
*USAA is only available to current and former military members and their families.
The average rate for car insurance after one DUI in Mississippi is $404 per month for full coverage. That's twice as expensive as the rate for a driver with a clean record.
You may also need SR-22 insurance in Mississippi after a DUI. Most companies charge between $15 and $50 to file an SR-22 form on your behalf, on top of any increase to your insurance rates.
If you have a hard time finding an insurance company that will cover you after your DUI, you can get a policy through the Mississippi Automobile Insurance Plan. This plan is meant for people who can't get insurance elsewhere, also called an "insurer of last resort." These types of plans are typically more expensive than private insurance companies.
Before you get a plan from the Mississippi Automobile Insurance Plan, speak with a local insurance agent. Local agents may be able to match you with a company that specializes in insuring high-risk drivers.
Cheapest auto insurance quotes in MS for drivers with poor credit: Travelers
Travelers is the most affordable option for Mississippi drivers with poor credit. At $273 per month, full coverage from Travelers is $163 per month cheaper than the state average. It's also $37 per month less than the second-cheapest company, Geico.
Affordable auto insurance rates for Mississippi drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $273 |
| Geico | $310 |
| Progressive | $324 |
| Farm Bureau | $367 |
| USAA* | $208 |
*USAA is only available to current and former military members and their families.
Mississippi drivers with bad credit scores pay more than double what drivers with good credit pay for full coverage insurance.
Your credit score doesn't have anything to do with how safely you drive. But insurance companies believe people with bad credit are more likely to make an insurance claim, which makes them more expensive to cover.
Is your car insurance company raising rates in Mississippi in 2026?
A few major insurance companies have had small rate increases in Mississippi in 2026. But many more have actually reduced rates across the state.
- ↑ Biggest increase: Farmers at +0.6%
- ↓ Biggest decrease: Travelers at -9.8%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Travelers | ↓ 9.8% | ↑ 23.0% |
| State Farm | ↓ 9.2% | ↑ 16.5% |
| Alfa | ↓ 7.2% | ↑ 25.1% |
| Shelter | ↓ 5.9% | ↑ 20.8% |
| Progressive | ↓ 5.5% | ↑ 10.4% |
| Farm Bureau | ↓ 5.0% | ↑ 39.4% |
| Allstate | ↓ 4.0% | ↑ 18.0% |
| Nationwide | ↓ 3.9% | ↑ 41.8% |
| USAA | 0.0% | ↑ 20.2% |
| Liberty Mutual | 0.0% | ↑ 29.4% |
| AAA | 0.0% | ↑ 32.7% |
| American Family | 0.0% | ↑ 41.8% |
| Geico | ↑ 0.3% | ↑ 28.2% |
| Farmers | ↑ 0.6% | ↑ 47.1% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Mississippi minimum car insurance requirements
Mississippi requires drivers to have a minimum amount of liability insurance to legally drive in the state, often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
All drivers in Mississippi are required to maintain minimum liability car insurance under the Mississippi Code for Motor Vehicle Safety and Responsibility. Driving without insurance is a misdemeanor.
Potential fines and penalties for driving without insurance in Mississippi
- Fines: $1,000
- Driving privileges: License suspension for one year or until proof of insurance is provided
- Reinstatement requirements: SR-22 form to be maintained for three years; $100 reinstatement fee
- Penalties reduced/waived: If proof of insurance coverage is submitted before the scheduled hearing, the fine will be reduced to $100; if proof that an insurance policy was in effect at the time of the stop is submitted before the hearing, the fine, court costs and suspension will be waived
Alternatives to car insurance
An auto insurance policy is the easiest way to satisfy the Motor Vehicle Safety Responsibility Law in Mississippi. You can also either give the DMV $75,000 cash or get a bond for the same amount to show proof of financial responsibility. But for most people, getting car insurance is the most cost-effective option.
What's the best car insurance coverage for MS drivers?
Most Mississippi drivers should get full coverage insurance instead of minimum liability.
Full coverage insurance is a good idea if your car is worth more than $5,000 or is newer than 8 years old. If you have a car loan or lease, your lender usually requires you to buy a full coverage policy.
That's because full coverage includes comprehensive and collision insurance.
- Collision insurance pays to fix or replace your car after an accident, regardless of whose fault it was.
- Comprehensive insurance pays for other types of damage to your car. This can include things like hail, vandalism or theft. It also pays for accidents with deer or other animals, which are common in Mississippi between October and December.
In comparison, a minimum coverage policy in Mississippi only includes liability coverage. Liability coverage pays for injuries to the other driver and damage to their car or property if you cause an accident.
However, the minimum liability limits in Mississippi may not be high enough to cover the cost of a serious accident. Drivers with minimum liability could end up with a big bill if they cause a major crash.
For example, Mississippi only requires $25,000 of property damage liability. But if you hit another car and it's totaled, that may not be enough to replace it — especially if it's an expensive or brand-new car.
Frequently asked questions
Who has the cheapest car insurance in Mississippi?
In 2026, State Farm has the cheapest car insurance in Mississippi for most drivers. The company charges an average of $142 per month for a full coverage policy and $40 per month for a minimum liability plan.
How much is car insurance in Mississippi per month?
The average cost of full coverage car insurance in Mississippi is $201 per month, or $2,412 per year. A minimum coverage policy costs $64 per month, or $772 per year.
Is Mississippi car insurance expensive?
Mississippi car insurance isn't expensive compared to the rest of the country. Full coverage in Mississippi costs $201 per month, which is 3% cheaper than the national average. Minimum coverage is 15% less than average, at $64 per month.
How much is car insurance in Tupelo, MS?
Drivers in Tupelo pay an average of $175 per month for full coverage insurance. That's 13% cheaper than the Mississippi average. In comparison, car insurance in Jackson, Mississippi's largest city, costs an average of $217 per month.
Methodology
To find the best cheap auto insurance in Mississippi, ValuePenguin collected thousands of rates from ZIP codes across Mississippi from the largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Mississippi Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
