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Compare car insurance in Mississippi

Get the cheapest car insurance in Mississippi for 2020

Updated

Missisippi street

How much is car insurance in Mississippi?

Car insurance rates in Mississippi are close to the national average, with low minimum requirements. But almost one in four drivers in Mississippi are uninsured, so bare minimum liability insurance might not cover it in this state.

Mississippi

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,200

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance in Mississippi

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $485,367 24.5%
Southern Farm Bureau $232,231 11.8%
Progressive $220,489 11.2%
Allstate $151,845 7.7%
Liberty Mutual $142,419 7.2%
Geico $134,031 6.8%
USAA $108,268 5.5%
Nationwide $100,340 5.1%
Alfa Mutual $71,820 3.6%
Shelter $65,411 3.3%

Average car insurance costs in Mississippi

In Mississippi, most drivers can expect to pay about $1,300 annually for their coverage, and the nationwide average is closer to $1,200 a year.

However, because car insurance is influenced by so many outside factors, you could end up paying significantly more or less for your coverage than your state’s average cost.

Cheapest car insurance rates in Mississippi

Company Average annual rate Learn more
Alfa $351
Southern Farm Bureau $440
State Farm $674 Read review
USAA $692 Get a quote Read review
Allstate $804 Get a quote
Safeco $809
SafeAuto $853 Get a quote
Shelter $929
Geico $1,509 Read review
Liberty Mutual $1,857 Get a quote

Which city has the cheapest car insurance in Mississippi?

Of Mississippi’s largest cities, Madison has the cheapest rates and Gulfport has the most expensive car insurance rates. Gulfport drivers could face rates 2 times more than Madison drivers.

Car insurance quotes in Olive Branch

Company Annual car insurance rate
Allstate $690
Safeauto $841
Geico $975
Statefarm $751
USAA $782

Car insurance quotes in Gulfport

Company Annual car insurance rate
Allstate $804
Safeauto $951
Geico $1002
Statefarm $744
USAA $770

Car insurance quotes in Madison

Company Annual car insurance rate
Allstate $562
Safeauto $843
Geico $1000
Statefarm $671
USAA $720

Car insurance quotes in Brandon

Company Annual car insurance rate
Allstate $562
Safeauto $858
Geico $966
Statefarm $846
USAA $733

Car insurance quotes in Southaven

Company Annual car insurance rate
Allstate $690
Safeauto $866
Geico $975
Statefarm $782
USAA $782

Car insurance requirements in Mississippi

To legally drive in Mississippi, every driver must carry at least:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability total per accident.
  • $25,000 property damage liability total per accident.

When shopping for car insurance, you may see these liability limits written as 25/50/25.

Does Mississippi require SR-22 insurance?

No, Mississippi is one of the states that doesn’t require you to file SR-22 after a DUI or other major driving offense. SR-22 is a form your insurance provider files with your state DMV to prove you meet mandatory insurance requirements.

Bottom line

There are lots of cars out on the roads, so make sure you’re protected in case of an accident. While Mississippi state laws only requires liability insurance, consider your full options to hit the road knowing you’re protected behind the wheel.

Get the cheapest quotes

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Common questions about car insurance in Mississippi

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