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Progressive is a solid choice because of its competitive rates compared to other national companies. Safe drivers get rewarded with as much as a third of their car insurance bill discounted.
To get that steep discount, you'll need a claim-free driving record or to enroll in Snapshot and track your driving. And for those on a limited budget, try Progressive's pricing tool to name a rate and see how much coverage you can get.
Pros
Competitive rates for many drivers
Extras include gap, rideshare and custom equipment coverage
Save 30%+ for safe driving and claim-free history
Pricing tool helps you buy within your budget
Cons
Slow to respond to complaints
Must be a 5-year customer to qualify for accident forgiveness
With its well rounded coverage, solid customer service and long list of discounts, this regional company offers the same benefits as a national brand. Yet Auto-Owners works solely through local agents, so you'll get one-on-one support for all things car insurance.
That focus on local support has paid off. Auto-Owners gets high customer satisfaction in the Southeast, according to J.D. Power. It's also friendly to young drivers, offering steep discounts and a teen safe driving program to help you save.
Pros
Highly rated customer satisfaction by J.D. Power in this region
A local agent is your first point of contact
Over 100 years in the industry
Discounts and programs for teen drivers encourage safe driving
Cons
Limited online services, including no online claims
If you drive less than 12,000 miles per year, try a pay-per-mile policy to save big on your car insurance bill. We recommend SmartMiles in Mississippi because your policy is backed by one of the largest companies in the industry.
Enjoy peace of mind about trying a new policy because you get Nationwide's solid coverage and claims service. SmartMiles charges a monthly flat fee along with a per-mile fee, saving you the most when you drive less. The policy also uses a device plugged into your car rather than an app, so you won't drain your phone battery or data.
7 factors that affect car insurance rates in Mississippi
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Mississippian’s rating factors to keep in mind.
Factor
How it affects your rates
Age
How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender
Mississippi takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location
Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.
Mississippi vehicle theft rates stand at 205 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s below the national average of 246 vehicle thefts per 100,000 inhabitants.
As for uninsured drivers, 29.4% of Mississippians on the road are uninsured. This state holds the highest percentage of uninsured drivers in a state according to Insurance Information Institute, and well above the national average of 12.6%.
Driving Record
The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Mississippi can increase your rate by around 27%. These types of violations typically stay on your record for about three years.
Vehicle and mileage
Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.
Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.
And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Mississippians drive an average of 37 miles per day, that’s above the average across the US of 36.1 miles per day.
Credit score
Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.
Mississippi drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.
Coverage
The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Do I need to file an SR-22 in Mississippi?
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.
Top 10 auto insurance companies in USA that serve Mississippi
See the top insurers by market share nationally that serve in Missisippi, according to S&P Global. To help you choose the right insurer for you, we list each company’s ratings from top rating agencies, including:
The Better Business Bureau (BBB) ratingscores how a business interacts with its customers, rating insurers as high as A++.
J.D. Powerscores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
The National Association of Insurance Commissioners (NAIC) complaint indexshows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
Our Finder score rates companies based on theircoverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
To get these quotes, we compared rates for the same driver profile in a common zip code in this state.
Good credit
Married
Male
31-35 years old
2017 Toyota Camry LE
State minimum coverage
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.
In Mississippi, the driver at fault pays for damage
Mississippi is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.
However, Mississippi also considers whether both drivers are partially at fault under apure comparative fault law, according to the legal website Nolo. Under this law, both drivers pay for the percentage of damage that they cause.
For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance also pays 20% of your damages.
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.
Common questions about car insurance in Mississippi
Each car insurance provider and policy varies, but it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.
Mississippi is in the danger zone for heavy hurricanes and tropical storms. Because of the potential property damage that these storms cause, comprehensive coverage could be worth it — even at a higher premium. Compare insurance providers to find the best rates for your needs.
Yes, your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You’ll typically receive notice from your car insurance company before it cancels your policy.
Sarah George is a personal finance writer at Finder who’s spent the last four years wielding her digital pen on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
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