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.

A chart of the cheapest car insurance companies in Mississippi

Find Cheap Auto Insurance Quotes in Mississippi

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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.

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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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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 ckEygv\"\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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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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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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
1USAA78%62%
2Nationwide78%53%
3State Farm73%46%
4Allstate72%47%
5Progressive74%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 Farm0.66881A++
Mississippi Farm Bureau0.06A+
Progressive0.18856A+
Liberty Mutual1.00870A
Allstate0.71876A+
Geico1.01871A++
Shelter0.51A
Alfa0.40A
Nationwide0.79876A+
USAA0.68890A++
Safeway1.59A

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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank*\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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 ckEygv\"\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC Complaint Index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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 width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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$237.10.0%0.0%
Allstate$149.70.1%-0.1%
Geico$149.60.0%0.0%
Liberty Mutual$147.07.6%3.3%
USAA$114.60.0%1.6%
Nationwide$92.70.0%1.5%
Alfa$69.0-1.8%0.0%
Shelter$67.03.6%-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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPremiums written (millions) 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$69.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-1.8%\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\"\u003EShelter\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$67.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3.6%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-2.7%\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\" 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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."