The best car insurance in Mississippi

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

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.

Published November 9, 2021

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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.

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Key Takeaways

  • USAA has the lowest average rate for full coverage car insurance in Mississippi at $856

  • The average cost of car insurance in Jackson is $1,976 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

$856

890

Direct Auto

$1,095

--

State Farm

$1,133

881

GEICO

$1,237

871

Nationwide

$1,368

876

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

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

Driving with a suspended license

$1,672

$1,957

$1,242

$1,380

$2,665

Driving with an open container

$1,227

$1,835

$1,242

$3,690

$1,698

Driving with 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

Failure to show documents

$1,176

$1,238

$1,242

$1,246

$1,698

Failure to stop at a red light

$1,176

$1,835

$1,242

$1,452

$1,698

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

GEICO

$1,609

USAA

$1,733

Safeway Insurance

$1,952

Direct Auto

$2,007

Nationwide

$2,215

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

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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

What is considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. A credit score is considered fair when it’s between 601 and 660. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

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

GEICO offers the lowest rates in Mississippi for drivers with bad credit. The average cost is $1,609, but your final rate will depend on a number of other factors in addition to your credit score.

Will my rates drop every year after I turn 25?

Insurance rates can sometimes drop after age 25, but it depends on a few other factors. Things like driving history, type and value of car, and even ZIP code will all be considered when calculating your insurance rates.

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.