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Mississippi car insurance

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Getting the car insurance you need for the best price in Mississippi

If you’ve recently moved to Mississippi and want to save money on car insurance, be sure to know the state’s minimum requirements. The state requires at least liability coverage with the option for more comprehensive coverage for peace of mind.

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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.

What affects my car insurance rates?

A lot of things come into play when your insurance rates are being calculated. Those factors include:

  • Age. If you’re younger than 25 or older than 70, you can expect to pay more for your coverage than the ages in between. This is because out of all age demographics, accident risk is highest among drivers between 16 and 19, and slowly lowers through the mid-30s.
  • Type of car. Owning a fast sports car is something a lot of people daydream about, and maybe you’ve got your eye on a Porsche when you retire someday. But it’s good to note that when cars are designed to go fast, they tend to be driven fast; this puts them at an elevated level of accident risk, and insurers will always charge accordingly. A Toyota Corolla might not have the same curb appeal, but it’s far cheaper to insure, maintain and fill up with fuel than an imported roadster.
  • Driving record. If you’ve only been driving for a few years, or if you have any serious black marks in your driving history, most insurers will charge you more for coverage. The longer you go without any accidents or traffic violations, the more likely your rates are to go down — not to mention, you’re more likely to see a good driver discount or something similar.
  • Location. Rural drivers typically pay less for car insurance than people who live and commute in high traffic or urban areas. This is because in the country, risks or theft, vandalism and multi-vehicle accidents are far lower, meaning rural drivers are less likely overall to file claims.
  • Gender. With the exception of three states — Hawaii, Massachusetts and North Carolina — women could pay 5-15% less for car insurance. This is because men are statistically more likely to get into accidents, far more likely to drive under the influence of alcohol and less likely to wear their seat belt. However, this insurance cost differential tends to even out as drivers approach the age of 50.
  • Marital status. Married people are seen as more stable, both financially and otherwise, and statistics show that married people are less likely to get into accidents or file insurance claims than single people.
  • Occupation. There are often special discounts or considerations made for people who work in certain fields. For example, teachers, professors and school administrators often pay less for their coverage, as do medical professionals and healthcare workers. Membership with certain professional organizations or work unions could also net you a discount.
    On the other side of the coin, if you drive your own vehicle throughout the day for work — say, outside sales representatives or site inspectors — the extra mileage and road time could increase your insurance rates.
  • Other drivers. Whenever you add another driver to your car insurance policy, all their factors start to play into your costs. This means even the safest middle-aged driver out there could pay higher than the average when their teenage son or daughter starts collecting speeding tickets with the family car.
  • Typical driving habits. Do you have a lengthy commute every day of the week? Do you put on more miles per week than the average driver? These kinds of things can help or hurt your chance of getting a great rate. If you never drive more than 50 or 100 miles in a week, tell your insurer and see if this can get you a lower rate.

Cheapest car insurance in Mississippi

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

Driving 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.

Compare car insurance providers in Mississippi

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need underinsured motorist coverage?

Underinsured motorist coverage is not legally required in Mississippi. However, approximately 23% of Mississippi drivers drive without insurance. That’s double the national average and the third-highest rate of uninsured drivers in the nation. You’re taking a risk if you don’t protect yourself against other drivers who might not have full — or any — coverage.

To learn more about this kind of insurance, visit our guide on the topic.

Optional coverage in Mississippi

Mississippi drivers can choose to add higher levels of protection for added peace of mind on the road, including:

  • Comprehensive. Helps pay for repairs not caused by an accident, like weather damage or vandalism.
  • Collision. Covers damages to your car caused by an accident.
  • Gap coverage. If an accident totals a car you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Rental reimbursement. Helps pay for a rental car if one is needed after an accident.
  • Emergency roadside service. Provides reimbursement for towing and labor required for your car after an accident.
  • Custom parts and equipment (CPE). Helps cover permanently installed custom parts or equipment, devices, accessories or enhancements that alter your vehicle’s performance or appearance.
  • Medical payments. This coverage generally provides payment for medical costs from injuries caused by a car accident, regardless of who’s at fault. It may provide money for funeral expenses or injuries sustained by passengers in the vehicle.

What if I don’t have insurance?

If you’re convicted of driving without car insurance in Mississippi, you could lose your license for one year (or until proof of insurance is provided) and face fines up to $1,000.

Digital proof of insurance on smartphones and other devices legally qualify as proof of insurance if you’re pulled over and need to prove coverage.

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Uninsured drivers in Mississippi

If you’re caught driving without proper coverage in this state, you’ll face some steep fines — $300 for a first offense, $400 for the second, and $500 for a third or subsequent violations of the state’s insurance laws.

You can also expect your annual insurance rates to increase significantly if you’re caught driving without coverage; drivers in this state typically see their rates go up by 40-50%.

Because Mississippi has a high rate of uninsured motorists — some estimates put it at more than 25% — it may be a wise decision to add uninsured motorist coverage to your own policy. This kind of coverage protects you and your vehicle if you get in an accident with someone who isn’t carrying legitimate insurance. To learn more about this kind of coverage, and why it might be a good idea, visit our guide on the topic.

Drunk driving laws in Mississippi

If you’re caught driving over the limit in this state, you can expect fines, a license suspension, and likely some jail time as well.

1st Offense2nd Offense3rd Offense
JailUp to 48 hours5 days up to 1 year1 to 5 years
Fines and Penalties$250-$1,000$600-$1,500$2,000-$5,000
License Suspension90 days2 years5 years
IID RequiredNoYesYes

Implied consent law

Like most states, Mississippi has what’s called an implied consent law. This law dictates that by driving on any and all public roadways in the state, you’re giving your consent to a portable breath test (PBT) or sobriety test when requested by a police officer who suspects you might be under the influence.

If you violate this law by refusing a PBT or breathalyzer test, you can lose your driver’s license for 90 days to a full year.

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.

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What happens after an accident in Mississippi?

Mississippi does not require drivers to report an auto accident to the Department of Public Safety if all drivers agree on who’s responsible for repairs.

However, it’s wise to call local law enforcement after any serious wreck. Police officers at the scene of the accident will complete any forms you may need for filing your claim.

Following a few clear-headed steps will ensure safety and an easier claims process:

  1. Safety first. Make sure that you and everybody involved in the accident are OK. While it is not required by law, call the police if you need assistance.
  2. Notify your insurance company. After you’ve confirmed that all parties are safe, call your agent to report the accident. They’ll walk you through the information needed for any claims.
  3. Document the accident. Protect your claim by taking down the name of any police officers at the scene. Take pictures of each car involved from different angles, and talk to any witnesses you might be able to contact for more information later.
  4. Exchange information with other drivers. Exchange information with all parties, including names, addresses, driver’s license numbers, tag numbers, vehicle descriptions and insurance policy details.

When speaking with other drivers or witnesses, do not admit fault — even if you feel it’s an accurate admission. If you do, your car insurance company could refuse to pay your claim.

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.

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Common questions about car insurance in Mississippi

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