The best car insurance in Mississippi

The average cost of full coverage car insurance in Mississippi is $1,674. But averages don’t tell the whole story — car insurance costs will vary depending on where in Mississippi you live, how much coverage you have in your policy, your age, driving history and even your credit score.

Ready to start shopping? Policygenius can help you see quotes from top companies so you can easily see what you’ll pay and choose the best policy for you.

Cheapest car insurance companies in Mississippi

There are a number of factors insurance companies analyze when calculating your rates. Everything from age, driving history, address, and credit score can affect your car insurance costs. But the company you choose also makes a big difference, which is why it’s so important to shop around.

Cheapest car insurance companies by age in Mississippi

Car insurance companies also consider a driver’s age when determining rates. Young drivers, meaning teenagers and young adults, have insurance rates that are considerably higher than older, more experienced drivers, because they’re more likely to get into an accident and file a claim.

As a driver ages and gains more experience, insurance rates can decrease, usually leveling out at age 25.

Age	Cheapest company	Average cost
16	Mississippi Farm Bureau	$3,619
18	USAA	$2,008
21	USAA	$1,224
25	USAA	$1,065
30	USAA	$906
35	USAA	$863
45	USAA	$798
55	USAA	$756
60	USAA	$750
65	USAA	$768
70	USAA	$858

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Choosing the right car insurance company in Mississippi

Choosing a car insurance policy can seem overwhelming, but it doesn't have to be. There are a few key factors to consider when picking a car insurance company. 

• Cost: Different companies charge different rates for similar coverage, that's why it's important to look at quotes from multiple insurance companies to find the best rate. 

• Coverage: Make sure the company you choose offers the coverage you need, whether it’s extra-high liability coverage or boat insurance that you can bundle with your auto policy.

• Customer service: Check claims satisfaction ratings and extra perks in addition to cost — it might be worth paying a little extra for white-glove coverage.

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies.

Car insurance rates for drivers with driving violations in Mississippi

Any violations can affect your insurance rates, drivers with speeding tickets or other moving violations will pay more for coverage. As a general rule of thumb though, insurance companies look at the past five years of your driving record, so if you keep a clean driving record going forward, your rates may eventually go back down.

Violation	USAA	Direct Auto	State Farm	GEICO	Nationwide
At-fault accident	$1,312	$1,957	$1,376	$2,062	$2,132
DUI	$1,735	$1,975	$1,242	$3,885	$2,665
Suspended license	$1,672	$1,957	$1,242	$1,380	$2,665
Open container	$1,227	$1,835	$1,242	$3,690	$1,698
Expired registration	$1,176	$1,238	$1,242	$1,246	$1,698
Driving without lights	$1,032	$1,238	$1,242	$1,452	$1,698
Not showing documents	$1,176	$1,238	$1,242	$1,246	$1,698
Running a red light	$1,176	$1,835	$1,242	$1,452	$1,698
Failure to yield	$1,176	$1,835	$1,242	$1,452	$1,698
Following too closely	$1,176	$1,835	$1,242	$1,452	$1,698
Hit and run	$1,796	$1,944	$1,242	$3,885	$2,473
Illegal turn	$1,176	$1,835	$1,242	$1,452	$1,698
Improper passing	$1,176	$1,238	$1,242	$1,452	$1,698
Not-at-fault accident	$916	$1,529	$1,153	$1,312	$1,442
Passing a school bus	$1,227	$1,835	$1,242	$1,452	$1,698
Racing	$1,735	$1,957	$1,242	$3,885	$2,665
Reckless driving	$1,227	$1,957	$1,242	$2,719	$2,665
Speeding	$1,176	$1,957	$1,242	$1,618	$1,698

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Cheapest car insurance for drivers with bad credit in Mississippi

A number of states use credit scores to help determine car insurance rates. Drivers in Mississippi who have lower credit scores may pay higher insurance rates, which is why it’s all the more important for drivers with poor credit to take the time to shop around for coverage.

Car insurance costs in Mississippi cities

Insurance companies consider factors like population density, crime rates and even car repair costs when determining insurance rates for different areas within a state. 

Here's how the ten biggest cities in Mississippi stack up:

• Jackson: $1,976

• Gulfport: $1,855

• Southhaven: $1,795

• Hattiesburg: $1,713

• Biloxi: $1,835

• Meridian: $1,712

• Tupelo: $1,649

• Greenville: $1,779

• Olive Branch: $1,792

• Horn Lake: $1,819

Buying car insurance in Mississippi

Minimum insurance requirements in Mississippi: Drivers in Mississippi are required to have a minimum of $25,000 per person and $50,000 per accident in bodily liability coverage. In addition to bodily liability coverage, Mississippi drivers are required to have a minimum of $25,000 in property damage liability coverage. 

Fault rules in Mississippi: Mississippi is a fault state when it comes to car insurance. Unlike in a no-fault state, where drivers seek compensation for their injuries from their own insurance company, no matter who was at fault, in Mississippi, the at-fault driver’s insurance pays for the victim’s medical bills and repair costs.

How to get cheap car insurance in Mississippi

Car insurance can be an expensive financial burden, but it offers drivers peace of mind (and it’s also required by law). Fortunately, there are ways to offset this cost and find cheaper auto insurance, no matter who you are.

• Ask about discounts

• Consider higher deductibles

• Bundle your auto and home or renters policies with the same company

• Reduce coverage on older cars

• Maintain a good credit score or repair low credit

• Take driver’s education courses

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.