The best car insurance in Mississippi

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Laura GunnLaura GunnFreelance contributorLaura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of full coverage car insurance in Mississippi is $1,664. 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.

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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.

Key Takeaways

  • USAA has the lowest average rate for full coverage car insurance in Mississippi at $905.

  • The average cost of car insurance in Jackson is $1,841 per year.

  • Mississippi requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

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.

Company

Average cost

JD Power Rating

USAA

$905

890

Direct Auto

$956

--

State Farm

$1,075

882

GEICO

$1,359

874

Nationwide

$1,362

868

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

Farm Bureau

$3,492

18

USAA

$2,121

21

USAA

$1,295

25

USAA

$1,127

30

USAA

$959

35

USAA

$913

45

USAA

$845

55

USAA

$800

60

USAA

$793

65

Direct Auto

$776

70

Direct Auto

$829

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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

$1,390

$1,712

$1,306

$2,266

$2,121

DUI

$1,837

$1,730

$1,178

$4,269

$2,649

Suspended license

$1,770

$1,712

$1,178

$1,516

$2,649

Open container

$1,298

$1,604

$1,178

$4,055

$1,689

Expired registration

$1,245

$1,077

$1,178

$1,369

$1,689

Driving without lights

$1,245

$1,282

$1,178

$1,595

$1,689

Running a red light

$1,245

$1,604

$1,178

$1,595

$1,689

Following too closely

$1,245

$1,604

$1,178

$1,595

$1,689

Hit and run

$1,901

$1,712

$1,178

$4,269

$2,649

Not-at-fault accident

$969

$1,329

$1,093

$1,441

$1,435

Passing a school bus

$1,298

$1,604

$1,178

$1,595

$1,689

Reckless driving

$1,298

$1,712

$1,178

$2,988

$2,649

Speeding

$1,245

$1,712

$1,178

$1,777

$1,689

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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.

Company

Rates for drivers with bad credit

Direct Auto

$1,752

GEICO

$1,768

USAA

$1,841

Safeway Insurance

$2,063

Nationwide

$2,205

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: $1,841

  • Gulfport: $1,743

  • Southaven: $1,661

  • Hattiesburg: $1,638

  • Biloxi: $1,712

  • Meridian: $1,594

  • Tupelo: $1,496

  • Greenville: $1,659

  • Olive Branch: $1,665

  • Horn Lake: $1,694

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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

Frequently asked questions

Why is car insurance so expensive in Mississippi?

Car insurance costs are higher in places with high crime rates, more uninsured drivers on the road, high rates of claims and accidents and fewer secure parking options. They’re lower in less-densely populated places

How much is car insurance per month in Mississippi?

Drivers in Mississippi pay an average of $1,664 per year for car insurance, which breaks down to $139 per month.

Who offers the cheapest car insurance for drivers with bad credit in MS?

Direct Auto offers the lowest rates in Mississippi for drivers with bad credit. The average cost is $1,752, but your final rate will depend on a number of other factors in addition to your credit score.

Is car insurance expensive in Mississippi?

Car insurance rates in Mississippi are just a few dollars above the national average. Drivers in Mississippi who want to save money on car insurance should compare quotes from multiple companies to make sure they are getting the lowest possible rate.

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.

Authors

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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