Cheap car insurance in Mississippi

How to get cheap car insurance in Mississippi

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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.

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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

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Compare car insurance in Mississippi

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
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.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$485,36724.5%
Southern Farm Bureau$232,23111.8%
Progressive$220,48911.2%
Allstate$151,8457.7%
Liberty Mutual$142,4197.2%
Geico$134,0316.8%
USAA$108,2685.5%
Nationwide$100,3405.1%
Alfa Mutual$71,8203.6%
Shelter$65,4113.3%

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

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

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

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.

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Common questions about car insurance in Mississippi

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