Cheapest Car Insurance Quotes in Mississippi (2024)

State Farm has the best cheap car insurance in Mississippi, at $88 per month for full coverage.

Find Cheap Auto Insurance Quotes in Mississippi

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Best cheap car insurance companies in Mississippi

To help Mississippi drivers find the best cheap auto insurance, ValuePenguin gathered quotes from top car insurance companies in each ZIP code in the state. Quotes for minimum coverage meet the state minimum requirement of $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $25,000 in property damage protection. Full coverage quotes include collision and comprehensive insurance, plus higher liability limits than the state minimums.

In addition, our experts ranked the best Mississippi auto insurance companies based on customer service reviews, coverage availability, cost and convenience.

Cheapest car insurance in Mississippi: State Farm

State Farm has the best cheap full coverage car insurance in Mississippi, at $88 per month.

That's 41% cheaper than the Mississippi state average, and $22 per month cheaper than the second-best option, Farm Bureau.

The average cost of car insurance in Mississippi is $150 per month for full coverage. That's 9% cheaper than the national average, which is $165 per month.

Cheapest car insurance companies in Mississippi

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Cheap full coverage car insurance in Mississippi

Company
Monthly rate
State Farm logo
State Farm$88
Farm Bureau logo
Farm Bureau$110
Progressive logo
Progressive$140
Travelers logo
Travelers$141
Allstate logo
Allstate$186
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*USAA is only available to current and former military members and their families.

Cheapest liability insurance quotes in Mississippi: State Farm

State Farm offers the cheapest minimum coverage car insurance in Mississippi.

At just $29 per month, minimum liability insurance from State Farm is 48% cheaper than the state average. The average cost of minimum liability car insurance in Mississippi is $55 per month.

Cheap liability insurance in Mississippi

Company
Monthly rate
State Farm$29
Farm Bureau$38
Progressive$38
Travelers$56
Geico$57
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*USAA is only available to current and former military members and their families.

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Cheapest for teens in Mississippi: Farm Bureau

Farm Bureau has the best cheap insurance for young drivers in Mississippi.

Minimum coverage from Farm Bureau costs just $89 per month for an 18-year-old driver in Mississippi. That's half as much as the overall average cost of minimum coverage for Mississippi teens, which is $175 per month.

Farm Bureau also has the most affordable full coverage quotes for teens, charging $195 per month, which is 57% cheaper than average.

Best cheap auto insurance in Mississippi for teens

Company
Liability only
Full coverage
Farm Bureau$89$195
State Farm$99$248
Travelers$163$375
Progressive$187$647
Shelter$218$428
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Young drivers with military ties can find even cheaper rates at USAA. A minimum coverage policy from USAA costs $73 per month, which is 58% less than average. However, only military members, veterans and certain family members can get car insurance from USAA.

Young drivers in Mississippi pay 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.

Cheap MS auto insurance after a speeding ticket: State Farm

State Farm has the most affordable quotes for Mississippi drivers with a recent speeding ticket. A full coverage policy from State Farm costs $95 per month. That's half as much as most Mississippi drivers pay after a single ticket.

Cheapest car insurance quotes in Mississippi after a ticket

Company
Monthly rate
State Farm$95
Farm Bureau$118
Progressive$175
Travelers$177
Allstate$206
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Mississippi drivers with a speeding ticket pay 29% more for car insurance than drivers with a clean record. That's because a speeding ticket shows insurance companies you're more likely to cause an accident in the future.

Cheap insurance in MS after an accident: State Farm

State Farm has the cheapest rates for Mississippi drivers after an at-fault accident. The company charges $105 per month for full coverage, which is less than half what most Mississippi drivers pay after causing a crash.

Cheapest Mississippi car insurance after an accident

Company
Monthly rate
State Farm$105
Farm Bureau$143
Travelers$194
Progressive$197
Allstate$275
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Mississippi drivers pay an average of $232 per month for full coverage insurance after one at-fault accident. That's 55% more than drivers with a clean record pay for the same coverage.

Insurance companies charge drivers who have caused a crash more because they're more likely to make claims in the future.

Cheap insurance in MS for teens with a ticket or accident: Farm Bureau

Farm Bureau is the most affordable Mississippi insurance company for young drivers after a ticket or accident.

Minimum coverage from Farm Bureau costs $98 per month for an 18-year-old driver after a speeding ticket. That's half as much as most Mississippi teens pay after a speeding ticket.

Farm Bureau also has the cheapest rates after an accident. At $122 per month, minimum liability coverage from Farm Bureau is a little more than half the average price in Mississippi.

Cheap liability insurance in MS for teens after a ticket or accident

Company
Ticket
Accident
Farm Bureau$98$122
State Farm$110$126
Progressive$197$212
Travelers$205$233
Geico$269$302
Show All Rows

Mississippi teens can expect their rates to go up by around 19% after a speeding ticket and 33% after an at-fault accident.

Some insurance companies offer young drivers a discount for taking a driver education class. These classes could save you around 10% on your car insurance, depending on your company. For example, State Farm and Travelers both give a discount of around 8%, while Geico's discount ranges from 5% to 20%.

Best cheap insurance in Mississippi after a DUI: Progressive

Progressive has the most affordable quotes in Mississippi after a DUI. At $168 per month, full coverage from Progressive is around 47% cheaper than average.

Mississippi drivers with a DUI should also consider Farm Bureau, which costs $183 per month. Farm Bureau has much better customer service reviews than Progressive.

People who get a DUI typically have other risky driving behaviors, like speeding. That makes them more likely to get in an accident in the future. So it could be worth spending more for a company that will help you get back on the road quickly after a crash.

Cheap Mississippi auto insurance after a DUI

Company
Monthly rate
Progressive$168
Farm Bureau$183
State Farm$199
Travelers$204
Allstate$254
Show All Rows

The average rate for car insurance after one DUI in Mississippi is $316 per month for full coverage. That's more than twice as expensive as the rate for a driver with a clean record. A DUI is one of the most serious driving offenses, and your insurance rate will reflect that.

Drivers with a DUI in Mississippi may also need an SR-22 certificate to have their license reinstated.

Cheapest quotes for drivers with poor credit: Farm Bureau

Farm Bureau is the most affordable option for Mississippi drivers with poor credit. Its average rate of $188 per month for full coverage is 35% cheaper than the state average.

Company
Monthly rate
Farm Bureau$188
Progressive$239
Travelers$242
Geico$271
Nationwide$272
Show All Rows

Mississippi drivers with a bad credit score pay nearly double the price of full coverage insurance that those with good credit pay.

Your credit score doesn't have anything to do with how safely you drive. But companies have found that people with bad credit could be more likely to make an insurance claim.

Best car insurance in Mississippi

USAA is the best insurance company in Mississippi based on its top-rated customer service and cheap rates.

However, only military members, veterans and their families can get car insurance from USAA.

Mississippi drivers who don't qualify for USAA should consider State Farm and Farm Bureau. Both companies offer good customer service at low prices.

Best insurance companies in Mississippi

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
State Farm
842A++
Farm Bureau
NRA
Shelter
866A
Geico
835A++
Show All Rows

When shopping for the best car insurance in Mississippi, you should look for a combination of affordable rates and reliable customer service.

A company with good customer service will make the claims process quick and easy after a crash. On the other hand, a company with bad customer service could take longer to pay your claim, and you may end up paying more for repairs.

Average car insurance in Mississippi by city

Mississippi State University's campus in Starkville is the state's cheapest area for auto insurance, at $130 per month for full coverage.

The most expensive quotes are in Hermanville, a small town southwest of Jackson, where a full coverage policy costs $174 per month.

Mississippi car insurance quotes near you

City
Monthly rate
% from average
Abbeville$143-4%
Aberdeen$140-6%
Ackerman$143-4%
Alcorn State University$17114%
Algoma$139-7%
Show All Rows
Compare Rates

Depending on which Mississippi city you live in, car insurance rates vary by up to $44 per month for full coverage. That's because auto theft rates, traffic congestion and other local factors can affect how likely you are to make a claim in the future.

Mississippi minimum car insurance requirements

Mississippi requires drivers to have a minimum amount of liability insurance to legally drive in the state. The minimum liability requirements for auto insurance in Mississippi are often written as 25/50/25.

Driving without insurance in Mississippi can lead to a fine of $500 and license suspension.

What's the best car insurance coverage for MS drivers?

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.

Full coverage car insurance costs an average of $95 more per month than minimum coverage in Mississippi.

That's because a full coverage policy includes comprehensive and collision insurance.

  • Collision insurance covers damage to your car after a crash, regardless of whose fault it is.
  • Comprehensive insurance pays for other types of damage to your car. This can include things like hail, vandalism, theft or an accident with an animal. These events are also called "acts of God" by insurance companies.

So, most Mississippi drivers should consider getting full coverage insurance instead of minimum liability.

If you have a car loan or lease, your lender will usually require you to buy a full coverage policy. You should also consider full coverage insurance if your car is worth more than $5,000 or is newer than 8 years old.

Alternatives to car insurance

An auto insurance policy is the most convenient way to satisfy the Motor Vehicle Safety Responsibility Law in Mississippi. However, you can also show proof of financial responsibility by posting a bond or making a cash deposit of $75,000.

Frequently asked questions

How much is car insurance in Mississippi per month?

The average cost of full coverage car insurance in Mississippi is $150 per month, or $1,796 per year. A minimum coverage policy costs $55 per month, or $662 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 $150 per month, which is 9% cheaper than the national average. Minimum coverage is 14% less than average, at $55 per month.

What car insurance is required in Mississippi?

Drivers in Mississippi must have an auto insurance policy with a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $25,000 of property damage liability coverage per accident.


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 2015 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: $25,000 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.

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.