Cheapest Car Insurance Quotes in Mississippi (2024)
Cheapest Car Insurance Quotes in Mississippi (2024)
State Farm has the best cheap car insurance in Mississippi, at $88 per month for full coverage and $29 per month for minimum coverage.
Best cheap car insurance 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 full coverage quotes 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.
Find Cheap Auto Insurance Quotes in Mississippi
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.
Cheap full coverage car insurance in Mississippi
Company | Monthly rate | |
|---|---|---|
| State Farm | $88 |
| Farm Bureau | $110 |
| Progressive | $140 |
| Travelers | $141 |
| Allstate | $186 |
*USAA is only available to current and former military members and their families.
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.
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.
Cheapest car insurance 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 |
*USAA is only available to current and former military members and their families.
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.
So, most Mississippi drivers should consider getting full coverage insurance instead of minimum liability.
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 |
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.
Find Cheap Auto Insurance Quotes in Mississippi
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 |
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 |
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 |
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 |
The average rate for car insurance in Mississippi after one DUI 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 |
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 | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Shelter | 866 | A | |
| Geico | 835 | A++ |
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 | $171 | 14% |
| Algoma | $139 | -7% |
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.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Driving without insurance in Mississippi can lead to a fine of $500 and license suspension.
Minimum coverage policies are the most affordable way to drive legally in Mississippi. However, drivers should consider extra coverage, including higher liability limits and collision and comprehensive protection.
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 2016 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.