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The cost of car insurance in Mississippi is not ridiculously expensive for most people. Compared to the national average, a minimum coverage policy in Mississippi costs $665 per year on average. It's normal to know that car owners in Mississippi are confused as to how they can get cheap car insurance in the state without sacrificing adequate coverage. If you just got your driver's license or recently moved to Mississippi, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Mississippi.

Minimum Required Auto Insurance Coverage in Mississippi

All states require you to buy such insurance coverage before you can register your car. According to the Mississippi Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $25,000 per person
$50,000 per accident
Property damage liability coverage $25,000 per accident

Cheapest Car Insurance in Mississippi for Minimum Required Coverage

State Farm offers the most affordable full-coverage insurance quotes in Mississippi, starting at just $1,315 a year. Farm Bureau and Nationwide, with lower rates than the state average, is the next on the list. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Types of Car Insurance Coverage Available in Mississippi

In Mississippi, like other states, various types of car insurance coverage are available. Collision coverage, comprehensive coverage, liability insurance are among those. To learn more about these coverage alternatives, refer types of vehicle insurance coverages in Mississippi.

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Mississippi Car Insurance Laws

In Mississippi, you must have car insurance. Carrying proof of insurance coverage is mandatory at all times for all drivers. Liability insurance is the only one that is needed by law. Compensation for harm you cause to another driver or their passengers as a result of an accident in which you were at fault.

A standard liability insurance policy in Mississippi is specified as 25/50/25, which denotes the three categories of coverage it includes. With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs. In the state of Mississippi, you could face the following fines if you are found driving without auto insurance:

  • $100 - $1,000 in fees and penalties
  • Driving privileges might be suspended for up to a year
  • Potential for a misdemeanor conviction

Mississippi car insurance PIP requirements

Mississippi does not require personal injury protection (PIP). Infact in Mississippi, PIP is completely unavailable. If you've been injured in a car accident in Mississippi, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof of Auto Insurance in Mississippi

All drivers in Mississippi are required to have liability insurance and to have proof of insurance (paper or electronic) on them at all times.

Average Cost of Auto Insurance Companies in Mississippi

In Mississippi, the most expensive car insurance company charges at least 85% more than the lowest. Refer the following table to get the numbers of the different insurance quotes.

COMPANY AVERAGE ANNUAL RATE
USAA $686
State Farm $1,098
The General $1,184
Southern Farm Bureau $1,238
Average $1,407
Nationwide $1,484
Progressive $1,519
Travelers $1,525
MetLife $1,525
Allstate $1,574
ALFA Insurance $1,801
Shelter Insurance Group $1,951
  • Liability, collision, and comprehensive coverage are all included in full coverage packages.
  • Comprehensive insurance protects your car from damage caused by causes other than driving, such as theft or weather damage.
  • Collision insurance pays for damage to your car that isn't covered by another driver's liability insurance, such as hitting a pothole or a streetlight.
  • Minimum coverage doesn't include comprehensive and collision coverage, so it is less expensive than full coverage. Low liability coverage limits mean that you may not be adequately protected in the event of an accident.

Cheapest Car Insurance Quotes for Mississippi Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Mississippi from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Mississippi. According to our in-house market research, these companies offer the best auto insurance in Mississippi.

Cheap car insurance in Mississippi for young Mississippi drivers

USAA offers the cheapest car insurance for 18-year-old drivers or young Mississippi drivers.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
ALFA Insurance $4,432 $5,764
Allstate $6,860 $7,337
The General $4,242 $4,493
Nationwide $4,987 $6,364
Progressive $9,602 $10,890
Shelter Insurance Group $4,251 $5,690
Southern Farm Bureau $2,673 $2,790
State Farm $2,827 $3,555
Travelers $4,277 $5,295
USAA $1,811 $2,129
Statewide Average $4,596 $5,404

Cheap car insurance for Mississippi drivers with a speeding ticket

USAA has the cheapest car insurance for drivers who have a ticket on their record.

COMPANY AVERAGE ANNUAL RATE
USAA $870
State Farm $1,193
Southern Farm Bureau $1,334
The General $1,534
Average $1,676
Allstate $1,745
Nationwide $1,852
Progressive $1,907
ALFA Insurance $1,957
Travelers $1,991
MetLife $2,171
Shelter Insurance Group $2,374

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Cheap auto insurance for Mississippi drivers after a car accident

When it comes to insurance for drivers who have been involved in an accident, USAA is the most affordable option.

COMPANY AVERAGE ANNUAL RATE
USAA $998
State Farm $1,326
Southern Farm Bureau $1,605
The General $1,991
ALFA Insurance $2,035
Travelers $2,060
Statewide Average $2,090
Allstate $2,114
Nationwide $2,347
Progressive $2,601
MetLife $3,646
Shelter Insurance Group $3,824

Cheap car insurance quotes for Mississippi drivers with a DUI

State Farm is the most affordable option in Mississippi for drivers who have been found guilty of a DUI or DWI.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,193
USAA $1,264
Progressive $1,999
Southern Farm Bureau $2,049
Allstate $2,157
Travelers $2,268
ALFA Insurance $2,359
Statewide Average $2,385
Nationwide $2,869
MetLife $3,340
The General $3,736
Shelter Insurance Group $3,953

Cheap car insurance for married Mississippi drivers

Farm Bureau offers the lowest annual premium for car insurance for married drivers than any other insurer.

Company Annual rate
Farm Bureau $1,265
State Farm $1,315
Progressive $1,675
Shelter $1,910
Nationwide $1,925
Allstate $2,095

Cheap full coverage car insurance quotes for young drivers with an accident history

Farm Bureau has the most affordable car insurance premium rates for young drivers involved with a recent accident.

Company Annual rate
Farm Bureau $1,665
State Farm $2,075
Nationwide $2,890
Allstate $3,045
Shelter $4,480
Progressive $4,605

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Mississippi costs $1700 a year. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Abbeville$1,745
Aberdeen$1,697
Ackerman$1,721
Alcorn State University$2,069
Algoma$1,637
Alligator$1,853
Amory$1,685
Anguilla$1,829
Arcola$1,793
Arkabutla$1,781
Arnold Line$1,793
Artesia$1,589
Ashland$1,769
Avon$1,793
Bailey$1,745
Baldwyn$1,601
Banner$1,721
Bassfield$1,877
Batesville$1,841
Bay Springs$1,757
Bay St. Louis$1,913
Beaumont$1,841
Becker$1,685
Beechwood$1,889
Belden$1,637
Bellefontaine$1,697
Belmont$1,661
Belzoni$1,757
Benoit$1,757
Benton$1,889
Bentonia$1,913
Beulah$1,757
Big Creek$1,697
Biloxi$1,901
Blue Mountain$1,685
Blue Springs$1,601
Bogue Chitto$1,769
Bolton$1,901
Booneville$1,613
Boyle$1,745
Brandon$1,865
Braxton$1,817
Brookhaven$1,745
Brooklyn$1,793
Brooksville$1,769
Bruce$1,697
Buckatunna$1,805
Bude$1,877
Burnsville$1,673
Byhalia$1,817
Byram$2,021
Caledonia$1,661
Calhoun City$1,697
Camden$1,841
Canton$1,865
Carriere$1,961
Carrollton$1,781
Carson$1,901
Carthage$1,757
Cary$1,829
Cascilla$1,853
Cedarbluff$1,685
Centreville$1,937
Charleston$1,901
Chatawa$1,781
Chatham$1,793
Chunky$1,685
Clara$1,757
Clarksdale$1,937
Cleveland$1,781
Clinton$1,889
Cloverdale$2,033
Coahoma$1,937
Coffeeville$1,769
Coila$1,769
Coldwater$1,769
Collins$1,853
Collinsville$1,709
Columbia$1,889
Columbus$1,637
Columbus AFB$1,637
Como$1,817
Conehatta$1,697
Corinth$1,673
Courtland$1,829
Crawford$1,577
Crenshaw$1,829
Crosby$2,009
Crowder$1,901
Cruger$1,781
Crystal Springs$1,853
D Lo$1,817
D'Iberville$1,889
Daleville$1,721
Darling$1,889
De Kalb$1,745
Decatur$1,661
DeLisle$1,901
Delta City$1,829
Dennis$1,661
Derma$1,685
Diamondhead$1,889
Doddsville$1,733
Drew$1,841
Dublin$1,937
Duck Hill$1,757
Dumas$1,649
Duncan$1,853
Dundee$1,841
Durant$1,841
Eastabuchie$1,721
Ecru$1,637
Edwards$1,913
Elliott$1,757
Ellisville$1,709
Enid$1,877
Enterprise$1,805
Escatawpa$1,889
Ethel$1,757
Etta$1,613
Eupora$1,709
Falkner$1,733
Farmington$1,685
Farrell$1,937
Fayette$2,009
Fernwood$1,829
Flora$1,913
Florence$1,853
Flowood$1,865
Forest$1,733
Foxworth$1,889
French Camp$1,709
Friars Point$1,949
Fulton$1,613
Gallman$1,865
Gattman$1,745
Gautier$1,853
Georgetown$1,817
Glen$1,685
Glen Allan$1,793
Glendora$1,889
Gloster$1,937
Golden$1,625
Goodman$1,841
Gore Springs$1,757
Grace$1,817
Greenville$1,793
Greenwood$1,733
Greenwood Springs$1,697
Grenada$1,805
Gulf Hills$1,889
Gulf Park Estates$1,901
Gulfport$1,937
Gunnison$1,781
Guntown$1,613
Hamilton$1,733
Harperville$1,721
Harrisville$1,805
Hattiesburg$1,781
Hazlehurst$1,889
Heidelberg$1,769
Helena$1,877
Hermanville$2,093
Hernando$1,769
Hickory$1,685
Hickory Flat$1,709
Hide-A-Way Lake$1,961
Hillsboro$1,733
Holcomb$1,793
Hollandale$1,769
Holly Bluff$1,853
Holly Springs$1,781
Horn Lake$1,853
Houlka$1,685
Houston$1,673
Hurley$1,865
Independence$1,769
Indianola$1,721
Inverness$1,733
Isola$1,721
Itta Bena$1,721
Iuka$1,685
Jackson$2,021
Jayess$1,841
Jonestown$1,925
Kilmichael$1,721
Kiln$1,961
Kokomo$1,853
Kosciusko$1,769
Lake$1,709
Lake Cormorant$1,817
Lakeshore$1,925
Lamar$1,793
Lambert$1,901
Latimer$1,865
Lauderdale$1,733
Laurel$1,709
Lawrence$1,685
Leakesville$1,853
Leland$1,769
Lena$1,829
Lexington$1,853
Liberty$1,877
Little Rock$1,661
Long Beach$1,901
Lorman$2,069
Louin$1,721
Louise$1,805
Louisville$1,769
Lucedale$1,853
Ludlow$1,745
Lula$1,889
Lumberton$1,865
Lyman$1,937
Lynchburg$1,865
Lyon$1,937
Maben$1,637
Macon$1,817
Madden$1,745
Madison$1,841
Magee$1,769
Magnolia$1,793
Mantachie$1,625
Mantee$1,709
Marietta$1,601
Marion$1,793
Marks$1,889
Mathiston$1,685
Mayersville$1,805
Mayhew$1,589
Mc Adams$1,757
Mc Call Creek$1,865
Mc Carley$1,793
Mc Cool$1,781
Mc Henry$1,829
Mc Neill$1,949
McComb$1,793
McLain$1,841
Meadville$1,877
Mendenhall$1,793
Meridian$1,781
Merigold$1,781
Metcalfe$1,793
Michigan City$1,793
Midnight$1,781
Minter City$1,757
Mississippi State$1,577
Mississippi Valley State University$1,721
Mize$1,769
Monticello$1,853
Montpelier$1,685
Mooreville$1,613
Moorhead$1,733
Morgan City$1,721
Morgantown$2,045
Morton$1,781
Moselle$1,721
Moss$1,709
Moss Point$1,889
Mound Bayou$1,805
Mount Olive$1,841
Mount Pleasant$1,805
Myrtle$1,625
Natchez$2,045
Neely$1,853
Nellieburg$1,769
Nesbit$1,805
Nettleton$1,649
New Albany$1,601
New Augusta$1,853
New Houlka$1,685
New Site$1,613
Newhebron$1,877
Newton$1,673
Nicholson$1,961
North Carrollton$1,781
North Tunica$1,817
Noxapater$1,757
Oak Vale$1,853
Oakland$1,829
Ocean Springs$1,889
Okolona$1,697
Olive Branch$1,865
Osyka$1,817
Ovett$1,745
Oxford$1,745
Pace$1,781
Pachuta$1,805
Panther Burn$1,841
Parchman$1,877
Paris$1,709
Pascagoula$1,889
Pass Christian$1,901
Pattison$2,045
Paulding$1,769
Pearl$1,889
Pearl River$1,709
Pearlington$1,877
Pelahatchie$1,841
Perkinston$1,841
Petal$1,745
Pheba$1,637
Philadelphia$1,709
Philipp$1,793
Picayune$1,961
Pickens$1,865
Piney Woods$1,841
Pinola$1,817
Pittsboro$1,673
Plantersville$1,637
Pontotoc$1,661
Pope$1,841
Poplarville$1,925
Port Gibson$2,069
Porterville$1,781
Potts Camp$1,733
Prairie$1,721
Prentiss$1,889
Preston$1,781
Puckett$1,913
Pulaski$1,769
Purvis$1,817
Quitman$1,817
Raleigh$1,781
Randolph$1,649
Rawls Springs$1,769
Raymond$1,973
Red Banks$1,781
Redwater$1,757
Redwood$1,901
Rena Lara$1,901
Richland$1,901
Richton$1,805
Ridgeland$1,865
Rienzi$1,673
Ripley$1,673
Robinhood$1,877
Robinsonville$1,853
Rolling Fork$1,805
Rome$1,865
Rose Hill$1,709
Rosedale$1,769
Roxie$1,937
Ruleville$1,781
Ruth$1,769
Sallis$1,757
Saltillo$1,625
Sandersville$1,721
Sandhill$1,829
Sandy Hook$1,865
Sarah$1,769
Sardis$1,841
Satartia$1,877
Saucier$1,913
Schlater$1,709
Scobey$1,793
Scooba$1,769
Scott$1,781
Sebastopol$1,709
Seminary$1,841
Senatobia$1,781
Shannon$1,625
Sharon$1,709
Shaw$1,745
Shelby$1,841
Sherard$1,937
Sherman$1,625
Shubuta$1,817
Shuqualak$1,793
Sibley$1,997
Sidon$1,697
Silver City$1,805
Silver Creek$1,889
Slate Spring$1,709
Sledge$1,865
Smithdale$1,829
Smithville$1,697
Snow Lake Shores$1,781
Sontag$1,841
Soso$1,697
Southaven$1,865
St. Martin$1,865
Star$1,817
Starkville$1,577
State Line$1,817
Steens$1,661
Stewart$1,733
Stoneville$1,781
Stonewall$1,817
Stringer$1,733
Sturgis$1,625
Summit$1,817
Sumner$1,901
Sumrall$1,841
Sunflower$1,745
Swan Lake$1,889
Swiftown$1,745
Taylor$1,733
Taylorsville$1,817
Tchula$1,829
Terry$1,973
Thaxton$1,685
Thomastown$1,745
Tie Plant$1,793
Tillatoba$1,841
Tinsley$1,913
Tiplersville$1,709
Tippo$1,889
Tishomingo$1,661
Toccopola$1,661
Toomsuba$1,781
Tougaloo$1,937
Trebloc$1,661
Tremont$1,637
Tunica$1,817
Tupelo$1,625
Tutwiler$1,901
Tylertown$1,805
Union$1,685
Union Church$1,973
University$1,745
Utica$1,985
Vaiden$1,745
Valley Park$1,841
Van Vleet$1,697
Vance$1,925
Vancleave$1,865
Vardaman$1,673
Vaughan$1,901
Verona$1,625
Vicksburg$1,889
Victoria$1,805
Vossburg$1,781
Walls$1,853
Walnut$1,721
Walnut Grove$1,709
Walthall$1,721
Washington$2,045
Water Valley$1,769
Waterford$1,769
Waveland$1,913
Waynesboro$1,781
Wayside$1,817
Webb$1,889
Weir$1,733
Wesson$1,829
West$1,769
West Hattiesburg$1,793
West Point$1,697
Wheeler$1,601
Whitfield$1,889
Wiggins$1,793
Winona$1,733
Winstonville$1,805
Winterville$1,805
Woodland$1,673
Woodville$2,021
Yazoo City$1,889

Cheap auto insurance in Mississippi with bad credit

Company Avg. Annual Premium
THE GENERAL $2,043
Nationwide $2,179
USAA $2,555
Mississippi Farm Bureau $2,852
Allstate $3,243
Progressive $4,018
State Farm $7,253

Mississippi auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,823 1% $10
One Med/PIP claim $1,823 1% $10
Not-at-fault accident $1,932 7% $119
Two Med/PIP claims $1,945 8% $132
One comp claim $1,945 8% $132
Two comp claims $1,985 10% $172
Driving without lights $2,069 15% $256
Failure to show documents $2,090 16% $277
Failure to wear a seat belt $2,129 18% $316
Child safety restraint $2,139 18% $326
Driving too slowly $2,197 22% $384
Speeding in school zone $2,197 22% $384
Driving with expired registration $2,214 23% $401
Cell phone violation $2,214 23% $401
Speeding 6 - 10 MPH over limit $2,223 23% $409
Speeding 11 - 15 MPH over limit $2,224 23% $411
Texting while driving $2,228 23% $415
Failure to stop at a red light $2,230 23% $417
Failure to yield $2,230 23% $417
Speeding 16 - 20 MPH over limit $2,244 24% $431
Speeding 21 - 25 MPH over limit $2,256 25% $443
Improper passing $2,260 25% $447
Following too closely $2,274 26% $461
Illegal turn $2,276 26% $462
Wrong way/wrong lane $2,289 27% $476
Passing school bus $2,324 29% $511
In 65 MPH zone $2,345 30% $532
Operating a vehicle without permission $2,460 36% $647
At-fault accident - less than $1000 $2,570 42% $757
Open container $2,584 43% $771
At-fault accident - $1000-$2000 $2,733 51% $920
At-fault accident - greater than $2000 $2,733 51% $920
Reckless driving $2,758 53% $945
Driving with a suspended license $2,820 56% $1007
Refusal to submit to a chemical test $3,027 67% $1,214
DUI $3,047 68% $1,234
Racing $3,054 69% $1,241
Leaving scene of an accident/hit and run $3,103 72% $1,290

Car insurance price trends in Mississippi

Year Avg. Annual Premium - Mississippi Yearly Change - Mississippi Avg. Annual Premium - US Yearly Change - US
2021 $1,617 $116 $1,539 $56
2020 $1,511 -$79 $1,493 -$51
2019 $1,600 -$4 $1,554 $33
2018 $1,614 -$192 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$323 $1,378 $98
2015 $1,895 $206 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Mississippi

In Mississippi, your insurance agent will set your rates, but there are many ways to get cheap car insurance quotes. There are various parameters like gender, age, your locality that can affect your premiums. When you are trying to find the best car insurance in Mississippi, make sure to do your research or simply visit Way.com.

Things to Know About Car Insurance When Moving to Mississippi

Car insurance usually follows the car in Mississippi. The types of car insurance that follow the car in Mississippi are bodily injury liability, personal injury liability, collision, and comprehensive.

How to Get Discounts on Car Insurance in Mississippi

A variety of auto insurance discounts are available in Mississippi, but the specifics of each deal will differ from one agency to another. If you're switching insurance carriers, inquire as to whether they provide a transition discount. It is possible that you will be able to save money by relocating. For additional information on the various car insurance discounts available in Mississippi, check out the blog.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

Does Mississippi require car insurance?

Yes, car insurance is a legal requirement in Mississippi. Drivers are expected to at least have liability insurance while driving in Mississippi.

How much is car insurance in Mississippi?

The average full coverage policy in Mississippi costs $1700 a year. The cost of car insurance in Mississippi is not ridiculously expensive for most people. Compared to the national average, a minimum coverage policy in Mississippi costs $665 per year on average.

Who has the cheapest car insurance in Mississippi?

State Farm offers the most affordable full-coverage insurance quotes in Mississippi, starting at just $1,315 a year. Farm Bureau and Nationwide, with lower rates than the state average, is the next on the list.

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