In This Review:
- Cheapest Car Insurance Companies In Mississippi
- 5 Best Car Insurance Companies In Mississippi
- Mississippi Car Insurance Requirements
- What To Know About Driving In Mississippi
- Best Car Insurance In Mississippi: Our Take
- FAQ: Mississippi Car Insurance
Written by:
Dash Lewis, Writer
Written by: Dash Lewis Content Writer
01/27/2024 06:09 PM
Key Points:
- USAA offers the best car insurance in Mississippi when considering factors like cost, coverage, and customer service.
- Mississippi car insurance costs about $663 per year for minimum coverage and $1,674 per year for full coverage.
- Comparing multiple car insurance quotes is the best way to find the right coverage in Mississippi.
Looking for Mississippi car insurance? Mississippi auto insurance rates are cheaper than the national average, but that doesn’t mean every company has affordable rates.
In this review, we give our recommendations for low-priced Mississippi car insurance. We also explain state insurance requirements so you can be sure you’re properly covered.
Our review team has taken a look at the best car insurance companies in the U.S., considering everything from cost and coverage to customer reviews. We apply that knowledge specifically to the state of Mississippi in this article to recommend the top auto insurance companies in the state.
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Cheapest Car Insurance Companies In Mississippi
According to our rate estimates, Progressive is the cheapest option for both minimum and full coverage insurance in Mississippi.
Cheapest Minimum Coverage Insurance In Mississippi
The national average cost for minimum liability insurance is $67 per month or $798 per year. We found that good drivers pay an average rate of $55 per month or $663 per year for minimum coverage insurance in Mississippi. Below are the five cheapest insurance companies for minimum coverage policies in Mississippi. These are based on rates for a 30-year-old male driver with a 2020 Honda CR-V, good credit, and a clean driving record.
| Car Insurance Company | Annual Minimum Coverage Rate | Monthly Minimum Coverage Rate |
|---|---|---|
| Progressive | $382 | $32 |
| State Farm | $433 | $36 |
| USAA | $454 | $38 |
| Geico | $553 | $46 |
| Nationwide | $554 | $46 |
Cheapest Full Coverage Insurance In Mississippi
The national average cost for full coverage car insurance is $164 per month or $1,968 per year. We also found the average cost of full coverage car insurance is$ 144 per month or $1,674 per year for drivers in Mississippi. Below are the five providers offering the cheapest rates for full coverage in the state.
| Car Insurance Company | Annual Full Coverage Rate | Monthly Full Coverage Rate |
|---|---|---|
| Progressive | $875 | $73 |
| Nationwide | $1,188 | $99 |
| State Farm | $1,293 | $108 |
| USAA | $1,433 | $119 |
| Travelers | $1,525 | $127 |
Keep in mind that the cost of Mississippi car insurance is different for every driver and depends on factors such as:
- Age
- Gender
- Marital status
- Driving record
- Credit
- City
- Vehicle type
Mississippi Car Insurance Rates By Age
According to our full-coverage rate data, the national average cost for a year of insurance for a 16-year-old is $8,261. In fact, 16-year-olds pay about three times as much on car insurance premiums as 30-year-olds. Teen drivers are less experienced and seen as higher risk, so their cost of car insurance is higher. Below are the average costs of full-coverage car insurance for drivers of different ages in Mississippi.
| Driver Age | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| 16 | $6,832 | $569 |
| 20 | $3,266 | $272 |
| 30 | $1,674 | $140 |
| 40 | $1,509 | $126 |
| 50 | $1,406 | $117 |
Cheapest Mississippi Car Insurance For A 16-Year-Old
Our rate data shows Nationwide is the cheapest option for car insurance for 16-year-olds.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| Nationwide | $3,992 | $333 |
| Southern Farm Bureau | $4,129 | $344 |
| State Farm | $4,910 | $409 |
| Progressive | $5,356 | $446 |
| Geico | $6,485 | $540 |
Cheapest Mississippi Car Insurance For A 20-Year-Old
With a solid driving history, rates decrease as drivers age. Progressive comes out on top for the best car insurance in Mississippi for 20-year-olds.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| Progressive | $2,058 | $172 |
| Travelers | $2,719 | $227 |
| Nationwide | $2,736 | $228 |
| USAA | $2,760 | $230 |
| Southern Farm Bureau | $2,801 | $233 |
Cheapest Mississippi Car Insurance For A Speeding Ticket
If you have a speeding ticket on your record, you’ll pay more for car insurance. In this case, Progressive is the cheapest option.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| Progressive | $1,153 | $96 |
| State Farm | $1,401 | $117 |
| Nationwide | $1,619 | $135 |
| USAA | $1,866 | $156 |
| Travelers | $1,933 | $161 |
Cheapest Mississippi Car Insurance For An At-Fault Accident
Our rate data shows State Farm is the cheapest company if you have an at-fault accident in your recent history.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| State Farm | $1,562 | $130 |
| Progressive | $1,578 | $132 |
| Nationwide | $1,923 | $160 |
| Travelers | $2,083 | $174 |
| USAA | $2,093 | $174 |
Cheapest Mississippi Car Insurance For A DUI
Having a DUI conviction on your record can really increase your rate, but we found Progressive to be an affordable option for drivers in Mississippi with this situation.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| Progressive | $1,178 | $98 |
| State Farm | $1,401 | $117 |
| Travelers | $2,192 | $183 |
| Nationwide | $2,493 | $208 |
| Safeway Insurance | $2,722 | $227 |
Cheapest Mississippi Car Insurance For Poor Credit
Mississippi allows insurance companies to use credit scores when setting rates. This means your rate can increase significantly if your credit score falls into the poor category. Progressive shows up again as the cheapest insurance company for poor credit in Mississippi.
| Car Insurance Company | Annual Average Cost | Monthly Average Cost |
|---|---|---|
| Progressive | $1,502 | $125 |
| Nationwide | $1,943 | $162 |
| Geico | $2,041 | $170 |
| Safeway Insurance | $2,078 | $173 |
| Travelers | $2,619 | $218 |
5 Best Car Insurance Companies In Mississippi
Below we’ve included our five picks for the best car insurance in Mississippi. Most providers recommended below have affordable rates or scored well in other ways. For instance, some are ranked high on the J.D. Power 2023 U.S. Auto Insurance StudySM for the Southeast region, which includes Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee. These providers also scored well in our team’s independent review, which considers cost, coverage, and customer service reputation in Mississippi.
#1 USAA: Best For Military
USAA insurance scored 876 out of 1,000 points in the J.D. Power study, earning the highest score in the Southeast region. However, because it is not available to all drivers, USAA was not eligible for formal ranking. To be eligible for Mississippi car insurance from USAA, you must be a military member or have military family members.
If you are eligible, a strong customer service reputation isn’t the only positive feature of USAA. USAA policies are often the lowest-cost insurance options. The many available discounts from USAA include:
- Military installation: Receive up to 15 percent off of coverage if you garage your vehicle on a military base.
- Annual mileage: Drivers over 19 years of age can receive a discount for driving fewer miles per year.
- Premier driver: Receive a discount on Mississippi auto coverage by demonstrating safe driving and maintaining a good driving record.
- Defensive driving course: Receive a premium reduction for taking a defensive driving class.
- Driver training course: Drivers under the age of 21 can take a driver training course to earn a lower premium.
- Good student discount: Full-time students with a GPA of at least 3.0 can receive a discount.
- New vehicle discount: Vehicles less than three years old receive coverage discounts.
- Family discount: Receive discounts for insuring multiple family members through USAA.
The only drawback to a USAA policy is that not everyone can purchase one, since it’s limited to military members and their families.
ProsAffordable rates and numerous discountsGood option for military members and young driversSuperior financial strength rating
ConsOnly available for military and their families
Learn more about the company by reading our full USAA insurance review.
#2 Alfa Insurance: Superior Local Service
Alfa Insurance started as a part of the Alabama Farmers Federation but has expanded into several states, including Mississippi. While it originally specialized in fire insurance, it now offers other insurance products, like home, renters, business, life, and auto policies.
Alfa did well in regional surveys, ranking fourth for the Southeast region in the 2023 J.D. Power Auto Insurance Study. It scored 851 out of 1,000 points, which is better than the regional average of 839. While not accredited by the Better Business Bureau (BBB), Alfa has an A+ BBB rating and zero filed customer complaints.
Drivers can find cheap car insurance in Mississippi by taking advantage of Alfa’s discounts such as:
- Multi-car discount
- Homeowner discount
- Discount for bundling with an Alfa life insurance policy
- Defensive driving discount
- Young driver discount
- Driver training discounts
- Occupational discounts for educators, military, first responders, government employees, ministers, and farmers
Alfa policies are sold through local insurance agents, which means it takes a few more steps to request a quote or file a claim. However, these same local agents can be useful for Mississippi drivers who need a little more help choosing car insurance coverage or who prefer a more personal customer service experience.
ProsHigh customer satisfactionExcellent financial strength rating from AM BestUnique discount opportunities
ConsOnly offers standard coverage optionsMust be purchased through an agent
#3 Mississippi Farm Bureau: Affordable Mississippi Car Insurance
The Mississippi Farm Bureau Federation is the largest general farm organization in the state, but its perks go far beyond John Deere discounts. The company currently offers low-priced car insurance in all of Mississippi’s 82 counties. To qualify for a Mississippi Farm Bureau policy, drivers must join the federation and pay a small annual fee. Membership is open to anyone–farmers or otherwise.
Coverage options are somewhat limited but do include the most important types of car insurance that align with Mississippi state insurance requirements. Policies offered by the Mississippi Farm Bureau include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments (MedPay) coverage
- Uninsured/underinsured motorist coverage
Like Alfa Insurance, Mississippi Farm Bureau offers a personal touch with local agents. It can also feel nice to know your premiums go to supporting a local organization.
ProsLow rates for Mississippi driversExcellent financial strength rating from AM Best
ConsQuotes must be handled by an agentLimited coverage options
#4 Geico: Best For Basic Coverage
Geico has a strong customer service reputation across the country and offers affordable minimum coverage in Mississippi. It holds an A+ rating from the BBB and offers 16 different discounts.
Geico offers full coverage auto insurance policies with high payout limits, which are an excellent way to protect your vehicle. In addition to standard Mississippi car insurance coverage, Geico customers can also purchase:
- Roadside assistance coverage: For as little as $14 per year, Geico’s roadside assistance add-on will cover jump-starts, spare tire installation, towing, and lockout services up to $100.
- Rental reimbursem*nt: This service covers the cost of a rental vehicle while your car is in the shop. Coverage limits and policy costs vary.
- Mechanical breakdown insurance (MBI): This service covers parts of your car that break down due to mechanical wear–it’s similar to an extended auto warranty.
It’s certainly worth reaching out to Geico for a quote if you are a Mississippi driver.
ProsSuperior financial strength rating and A+ rating from the BBBMany choices for coverage are available in all 50 statesHigh level of customer satisfaction
ConsAverage quotes experienceUsage-based app not available in all states
Compare: Geico vs. Progressive
#5 Progressive: Best For High-Risk Drivers
Progressive is considered one of the top auto insurance providers in the country because of its comprehensive coverage offerings and low rates (especially for high-risk drivers). If you’re looking for Mississippi car insurance, Progressive is definitely worth considering.
In addition to standard auto insurance policies, Progressive offers:
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursem*nt
- Custom parts and equipment value coverage
- Rideshare coverage
Progressive policies can be inexpensive for drivers who are able to take advantage of the company’s discount opportunities, such as:
- Deductible savings bank: Rewards you with $50 toward your deductible for every 6 months you go without filing a claim.
- Policy bundling: This add-on offers discounts for bundling your auto policy with another Progressive insurance policy, such as home insurance or Progressive motorcycle insurance.
- Snapshot app: This app monitors your driving habits to set your premium. Be aware that if you’re not a safe driver, your rates could actually increase by participating in the program.
You can also save by using Progressive’s Name Your Price® tool. This tool allows customers to state the price they hope to pay for a car insurance policy and be matched with options that meet their budget.
ProsOne of the top auto insurers in the United StatesSuperior financial strength ratingGreat choice for high-risk driversSeveral money-saving features and easy quote process
ConsAverage claims processMixed customer service reviewsHigher rates than some competitors
To learn more, read our full Progressive insurance review.
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Mississippi Car Insurance Requirements
Drivers in Mississippi are required to maintain at minimum a 25/50/25 liability insurance policy. This means that drivers need to be insured for the following coverage limits:
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $25,000 per accident property damage liability
If you’re caught driving without this minimum coverage in place or can’t provide proof of insurance when pulled over, you can face an initial fine of up to $1,000 and a suspension of driving privileges for up to one year. There is no jail penalty for uninsured drivers in Mississippi.
Though state laws only require drivers to maintain liability coverage, it’s generally recommended that you purchase full coverage auto insurance.
Liability coverage will only pay for the damage to another person’s vehicle in the event that you cause an accident. Collision and comprehensive car insurance can help pay for the cost of repairs to your own vehicle after an accident. Personal injury protection (PIP) policies are also a good idea for drivers. These will pay for your medical bills after an accident if you’re at fault.
What To Know About Driving In Mississippi
Mississippi is one of the deadliest states in which to drive a car. In 2021, the state led the nation in traffic fatalities per capita, with 26.2 deaths per 100,000 people, according to the Insurance Institute for Highway Safety. This is nearly double the national average of 12.9. One reason that so many fatalities occur in Mississippi is that seat belt compliance rates in the state are well below the national average. Wearing a seat belt greatly increases the chances of survival after an auto crash.
Best Car Insurance In Mississippi: Our Take
Mississippi may not have especially steep penalties for driving without insurance compared to other states, but it’s still a good idea to at least purchase the state minimum requirements. Based on average premium costs and customer service reviews for the state, USAA, Alfa, Mississippi Farm Bureau, Geico, and Progressive are good places to start looking for coverage.
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FAQ: Mississippi Car Insurance
Below are a few frequently asked questions on car insurance in Mississippi:
How much is car insurance in Mississippi?
Mississippi car insurance costs about $663 per year for minimum coverage and $1,674 per year for full coverage. The price of car insurance varies depending on factors such as your age, gender, marital status, and driving record.
Who has the cheapest car insurance in Mississippi?
There is no single cheapest car insurance provider for everyone. However, on average, USAA, Geico, Alfa, and Mississippi Farm Bureau have the lowest rates in the state. The best way to find the lowest rate is to compare auto insurance quotes from multiple providers.
Does Mississippi require auto insurance?
The state of Mississippi requires that all drivers maintain at least the following liability auto insurance coverage: $25,000 per person bodily injury liability, $50,000 per accident bodily injury liability, and $25,000 per accident property damage liability coverage.
What is full coverage insurance in Mississippi?
At a minimum, Mississippi drivers are required to maintain 25/50/25 liability auto insurance coverage. But only purchasing liability coverage is not considered “full coverage.” To protect your finances in the event of an accident, drivers should maintain collision and comprehensive insurance.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
Dash Lewis Content Writer
