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In Mississippi, the average cost of car insurance stands at $1,149.85 annually or about $96 monthly for coverage, according to the National Association of Insurance Commissioners (NAIC). To compare, the nationwide average is closer to $1,190 a year.

However, the NAIC considers policies both with state minimum coverage along with those that have extra coverage and higher liability limits. Because outside factors like your driving record, exact car and ZIP code influence your rate, you could end up paying more or less than your state’s average cost.

Mississippi car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,149.85

At-fault state

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

Mississippi state minimum car insurance requirements

To legally drive in Mississippi, every driver needs to carry 25/50/25 in bodily injury and property damage liability coverage. These are the coverage limits, or the maximum amount that your insurance will pay if you cause an accident.

Let’s break down what’s covered by these state minimum requirements.

Bodily Injury Liability

Bodily injury liability: 25/50

  • $25,000 for injuries to one person
  • $50,000 for injuries to several people per accident

Bodily injury liability kicks in when you’re at fault and caused injuries to other drivers, passengers or even pedestrians. You’ll find similar requirements across other states, but consider higher limits in case medical bills go beyond this amount.

Property damage liability

Property damage liability: 25

  • $25,000 to repair a car or other property that you damage

This coverage kicks in if you cause car damage or damage personal property like custom car equipment or property fencing. This amount is a standard level of coverage, although many states require less.

Optional coverage that we recommend in Mississippi

While Mississippi keeps fairly standard state requirements, this coverage might not help in all situations, especially for more serious car accidents.

Most states require a barebones level of protection, so think about upping your liability limits and adding optional coverage that fits your driving needs.

CoverageDescriptionConsider this coverage if
Higher liability coverage limitsMake sure your insurance will pay for all the damage you cause.

That includes damage to someone else’s car or property, medical bills or court fees.

  • The state’s liability limits wouldn’t fully replace someone’s car or pay court fees.
  • You have large assets.
CollisionPays for your car’s damage for accidents where you’re at fault
  • Your car loan requires it.
  • It costs less than your car’s value.
  • You can’t pay for repairs or another car out of pocket.
  • You drive your car regularly, such as for commuting.
ComprehensiveHelps you recover from theft or other noncollision damage, like vandalism, windshield cracks or weather damage
  • It’s required for your car loan.
  • You can’t repair or replace your car out of pocket.
  • Your area has a high risk of theft or serious storms.
Personal injury protectionPays for your or your passengers’ medical bills or lost income if you get injured.

Also, kicks in no matter who’s at fault.

  • You don’t have health insurance or have a high deductible.
  • You want peace of mind that your medical bills are covered.
  • You want coverage for lost income.
Uninsured/underinsured motoristMississippians drive uninsured over twice as much as in other states.

This coverage helps in case you get in an accident with a driver who can’t pay for your damage.

  • You can’t pay for car repairs or another car on your own.
  • You don’t have health insurance.
  • Your health insurance has high out-of-pocket costs.

Cheapest rates by age in Mississippi

Insurance costs can differ widely based on your age alongside other factors. In Mississippi, Geico again offers the lowest rates across all ages in our sample. Try quotes from a variety of companies to make sure you’re getting the best deal.

AgeAllstateProgressiveGeicoUSAA
16-24$193.25$186.38$249.91
25-34$152.35$149.12$141.02$156.67
35-44$165.86$149.79$127.03
45-54$142.54$144.56$115.11$130.85

Cheapest rates by gender in Mississippi

Men can pay as much as $70 per month more than women, depending on the insurance company. In our sample, Geico takes the top spot with the lowest rates for both genders.

CompanyAllstateProgressiveGeicoUSAA
Men$173.13$162.04$119.76$230.35
Women$144.23$153.26$133.10$161.10

Sample rates in Mississippi from major car insurance companies

When getting quotes from major insurers, Geico may bring the most competitive prices to the table. These sample rates are based on cost information from Savvy.

However, you could go with Allstate and join its Drivewise or rewards program. Drivewise tracks your driving and sets a discount based on your safety.

CompanyAllstateProgressiveGeicoUSAA
Rate$155.79$156.55$127.03$188.80

Best car insurance for Mississippi

The best companies in Mississippi offer a suite of coverage, long list of discounts and perks like local agents or a userfriendly app. They also keep top ratings with the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners.

Consider possibilities that offer you the standard or unique features that you’re looking for in a car insurance policy.

Best value for coverage: Progressive

Progressive

Finder rating 4 / 5 ★★★★★

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.

Best customer service: Auto-Owners

Auto-Owners

Finder rating 4 / 5 ★★★★★

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.

Best for low mileage: Nationwide SmartMiles

Nationwide

Finder rating 4 / 5 ★★★★★

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.

FactorHow it affects your rates
Age

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

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

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

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

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

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

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) rating scores how a business interacts with its customers, rating insurers as high as A++.
  • J.D. Power scores 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 index shows 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 their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Read review

USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Kemper
A+
784/1000
6.42
1.5

★★★★★ 3/5

Read review

Cheapest car insurance rates in Mississippi

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

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

Car insurance quotes in Gulfport

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

Car insurance quotes in Madison

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

Car insurance quotes in Brandon

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

Car insurance quotes in Southaven

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

Compare car insurance providers in Mississippi

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
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Compare up to 4 providers

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 a pure 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

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