Cheapest Car Insurance Quotes in Mississippi State

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Mississippi State Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Mississippi State

The car insurance rate in Mississippi State is $746 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $332, making it a popular choice for budget-conscious drivers. Rates in Mississippi State can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mississippi State

$746

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Mississippi State

1st place: Direct General Insurance

At $332 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $368 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $618 for six months, making it the third cheapest auto insurance company in Mississippi State.

Mississippi State Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mississippi State, MS is Direct General Insurance, offering policies at just $332 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $368.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mississippi State drivers find the best deals.

Cheap Car Insurance Companies in Mississippi State, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$332	$57
Mississippi Farm Bureau	$368	$61
USAA	$618	$104
Travelers	$634	$107
State Farm	$654	$110
Farm Bureau	$679	$114
National Farmers Union Insurance	$685	$116
Nationwide	$817	$138
Progressive	$863	$145
Shelter	$889	$150
Allstate	$991	$169
Farmers	$1037	$173
Safeway	$1140	$194

Key Takeaways

Way's key takeaways about car insurance in Mississippi State

The auto insurance costs in Mississippi State fall around $332 for six months.
The cheapest auto insurance company in Mississippi State is Direct General Insurance.
Teen drivers pay the highest rate in Mississippi State at $747 per month.

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Cheapest Minimum Liability Car Insurance in Mississippi State

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mississippi State are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Mississippi State. Their Average 6 Month Premium is $132. Farmers is the most expensive at $455 for the same period.

Cheapest Liability Coverage in Mississippi State, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$132	$22
Mississippi Farm Bureau	$138	$23
National Farmers Union Insurance	$138	$23
State Farm	$158	$27
USAA	$169	$28
Farm Bureau	$214	$36
Progressive	$219	$37
Safeway	$261	$45
Travelers	$266	$45
Shelter	$306	$52
Nationwide	$316	$53
Allstate	$378	$64
Farmers	$455	$76

Cheapest Full Coverage Car Insurance in Mississippi State

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mississippi State is Direct General Insurance at $57 per month and $332 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mississippi State, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$332	$57
Mississippi Farm Bureau	$368	$61
USAA	$618	$104
Travelers	$634	$107
State Farm	$654	$110
Farm Bureau	$679	$114
National Farmers Union Insurance	$685	$116
Nationwide	$817	$138
Progressive	$863	$145
Shelter	$889	$150
Allstate	$991	$169
Farmers	$1037	$173
Safeway	$1140	$194

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Average Car Insurance in Mississippi State by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mississippi State, MS increasing?

Despite maintaining a clean driving record, your car insurance rates in Mississippi State, Mississippi, may be increasing due to several external factors. Mississippi has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mississippi State's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mississippi State

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Mississippi State,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Mississippi State at $28 per month. At $4485 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$169	$28
National General	$174	$29
Mississippi Farm Bureau	$189	$32
State Farm	$582	$98
USAA	$654	$110
Travelers	$797	$134
Farm Bureau	$1170	$199
Progressive	$1400	$236
Shelter	$2253	$383
Farmers	$3136	$523
Allstate	$3520	$599
Nationwide	$4485	$747

Teen Car Insurance Rates in MS by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mississippi State, Direct General Insurance is the cheapest car insurance provider. At $169 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mississippi State is Farmers, offering rates of around $3060 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$169	$28
Mississippi Farm Bureau	$240	$40
Travelers	$782	$132
Progressive	$787	$132
USAA	$950	$162
Nationwide	$986	$166
Farm Bureau	$1164	$198
Allstate	$1588	$265
Shelter	$2028	$345
State Farm	$2467	$411
Farmers	$3060	$520

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Car Insurance Rates with An Accident in Mississippi State

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mississippi State, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mississippi State

The cheapest car insurance companies after an at-fault accident in Mississippi State include Mississippi Farm Bureau and Direct General Insurance, offering $189 and $271, respectively. Farmers is an expensive provider with an average six-month premium of $2478.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$189	$32
Direct General Insurance	$271	$46
National General	$276	$46
State Farm	$292	$49
Safeway	$311	$52
USAA	$342	$58
Shelter	$501	$84
Travelers	$521	$88
Progressive	$572	$96
Farm Bureau	$874	$149
Nationwide	$1114	$187
Allstate	$1461	$249
Farmers	$2478	$413

Mississippi State Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mississippi State MS. For example, the car insurance in Mississippi State after a DUI increases to $629 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Mississippi State auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$909	$151
One Med/PIP claim	$909	$155
Not-at-fault accident	$950	$158
One comp claim	$971	$165
Two Med/PIP claims	$976	$163
Driving without lights	$1047	$178
Two comp claims	$1053	$175
Failure to show documents	$1083	$184
Failure to wear a seat belt	$1083	$181
Child safety restraint	$1088	$185
Driving with expired registration	$1088	$181
Driving too slowly	$1098	$187
Failure to stop at a red light	$1098	$183
Speeding in school zone	$1098	$187
Cell phone violation	$1109	$185
Improper passing	$1114	$189
Texting while driving	$1114	$186
Wrong way/wrong lane	$1114	$189
Speeding 6 - 10 MPH over limit	$1119	$187
Failure to yield	$1124	$191
Speeding 11 - 15 MPH over limit	$1124	$187
Following too closely	$1129	$192
Illegal turn	$1129	$188
Speeding 16 - 20 MPH over limit	$1129	$192
Speeding 21 - 25 MPH over limit	$1140	$190
Passing school bus	$1150	$195
In 65 MPH zone	$1180	$197
At-fault accident - less than $1000	$1236	$210
Operating a vehicle without permission	$1246	$208
Open container	$1282	$218
At-fault accident - $1000-$2000	$1333	$222
At-fault accident - greater than $2000	$1333	$227
Driving with a suspended license	$1390	$231
Reckless driving	$1390	$237
Refusal to submit to a chemical test	$1522	$254
DUI	$1538	$261
Racing	$1553	$259
Leaving scene of an accident/hit and run	$1563	$266

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mississippi State after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mississippi State.

The cheapest car insurance premiums in Mississippi State are offered by Mississippi Farm Bureau at $266 for a six-month policy. However, it can be as expensive as $2478 with companies like Farmers.

Mississippi State car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$266	$46
Direct General Insurance	$271	$45
National General	$276	$47
State Farm	$634	$107
Travelers	$664	$112
Progressive	$679	$114
USAA	$879	$148
Farm Bureau	$1103	$184
Shelter	$1308	$220
Allstate	$1390	$234
Nationwide	$1415	$238
Farmers	$2478	$413

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mississippi State are offered by Mississippi Farm Bureau at $153. However, it can be as expensive as $1487 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mississippi State after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$153	$26
Direct General Insurance	$214	$36
State Farm	$337	$57
Progressive	$593	$100
USAA	$643	$108
Farm Bureau	$730	$124
Travelers	$904	$151
Shelter	$1072	$182
Allstate	$1093	$182
Farmers	$1298	$221
Nationwide	$1487	$248

Car Insurance Price Trends in Mississippi State, Mississippi

Car insurance rates in Mississippi State have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mississippi State remained steady at $175 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Mississippi State remained steady at $40 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mississippi State?

The car insurance in Mississippi State is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Mississippi State?

The cheapest car insurance in Mississippi State is $57 per month for full coverage.

How much is car insurance in Mississippi State for teenagers?

Car insurance for teenagers costs $169 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mississippi State?

The average cost of car insurance is $868 for a six-month policy. It will cost around $126 per month to insure your car in Mississippi State.

Is car insurance expensive in Mississippi State?

Car insurance can be expensive in Mississippi State if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mississippi State can be affordable.

What is the best car insurance in Mississippi State, MS?

The best car insurance company in Mississippi State MS is Direct General Insurance, offering $332 for a six-month policy.