Key Takeaways
- Nationwide offers the cheapest full-coverage car insurance in Mississippi, with an average rate of $1,376 per year. USAA offers the cheapest minimum coverage at $367 per year.
- On average, Mississippi drivers pay around $2,140 per year for full coverage and $563 per year for minimum coverage.
- Mississippians with a recent at-fault accident or DUI can find affordable coverage with State Farm.
We at The MarketWatch Guides team have reviewed the cheapest car insurance options in Mississippi. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in Mississippi, comparing rates, coverage, ratings and reviews.
In the following article, you’ll find estimates for drivers from different profiles and a list of recommended providers. You’ll also find key information about Mississippi insurance laws and regulations.
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Which Company Offers the Best Car Insurance Rates in Mississippi?
Nationwide offers the cheapest full-coverage car insurance for most Mississippi drivers at an average rate of $1,376 per year or $115 per month. Drivers interested in affordable minimum coverage can look to USAA or National General for the lowest rates in the Magnolia State.
Cheapest Car Insurance Rates in Mississippi
Ultimately your car insurance rates are determined by a variety of factors in your unique driver profile. Below, we compare the most affordable providers and rates for drivers with different coverage levels and driving histories.
| Cheapest Car Insurance in Mississippi (by Category) | Company | Average Monthly Premium |
|---|---|---|
| Minimum-Liability Coverage | USAA | $31 |
| Full Coverage | Nationwide | $115 |
| Young Drivers** | Nationwide | $340* |
| Seniors*** | Nationwide | $107* |
| After a Speeding Ticket | Nationwide | $160* |
| After an Accident | State Farm | $180* |
| After a DUI | State Farm | $162* |
| Bad Credit | Nationwide | $186* |
Cheapest Car Insurance Companies in Mississippi
Based on quotes we received across 40 Mississippi ZIP codes, the cheapest car insurance companies in Mississippi are:
- Nationwide
- USAA
- National General
- State Farm
- Travelers
Click on a provider above to learn more about the company’s rates and car insurance discount opportunities. Unless otherwise noted, average quotes in this piece reflect the driver profile of a 35-year-old with good credit and a clean driving record.
Cheapest Large Car Insurance Companies in Mississippi
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. Among insurance companies of this size, the cheapest in the Magnolia State are Nationwide, USAA, State Farm and Travelers.
| Cheapest Large Car Insurance Companies in Mississippi | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap For | Visit Site |
|---|---|---|---|---|---|
NationwideLearn More | $528 | $1,376 | 10 | Most drivers | Learn More |
USAALearn More | $367 | $1,582 | 12 | Military members | Learn More |
State FarmLearn More | $462 | $1,805 | 16 | Drivers with a recent speeding ticket | Learn More |
TravelersLearn More | $491 | $1,660 | 12 | Drivers with a DUI | Learn More |
| Cheapest Large Car Insurance Companies in Mississippi | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap For | Visit Site |
|---|---|---|---|---|---|
NationwideLearn More | $528 | $1,376 | 10 | Most drivers | Learn More |
USAALearn More | $367 | $1,582 | 12 | Military members | Learn More |
State FarmLearn More | $462 | $1,805 | 16 | Drivers with a recent speeding ticket | Learn More |
TravelersLearn More | $491 | $1,660 | 12 | Drivers with a DUI | Learn More |
Read more: Largest Auto Insurance Providers
Cheapest Midsize Insurance Companies in Mississippi
J.D. Power defines midsize insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. Not all of the cheapest providers in Mississippi are large, well-known companies. National General is considered a midsize insurance company and offers very affordable rates for drivers in Mississippi, especially those with recovering credit scores.
| Cheapest Midsize Car Insurance Companies in Mississippi | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap For | Learn More |
|---|---|---|---|---|---|
| $387 | $1,656 | 8 | Drivers with poor credit |
| Cheapest Midsize Car Insurance Companies in Mississippi | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap For | Learn More |
|---|---|---|---|---|---|
| $387 | $1,656 | 8 | Drivers with poor credit |
Cheapest Car Insurance Coverage in Mississippi
Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full-coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full-coverage auto insurance.
Below are the cheapest auto insurance options in Mississippi for both coverage types.
Cheapest Full-Coverage Car Insurance in Mississippi
Car insurance in Mississippi doesn’t have to be expensive if you know where to look. According to our rate data, Mississippi drivers can find the best car insurance in the state for as little as $115 per month. The table below includes full-coverage rate estimates from the cheapest car insurance providers in the Magnolia State.
| Cheapest Full Coverage Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $115 | $1,376 |
| USAA | $132 | $1,582 |
| National General Insurance | $138 | $1,656 |
| Travelers | $138 | $1,660 |
| State Farm | $150 | $1,805 |
You can expect to find affordable average car insurance rates from Nationwide, USAA, National General, Travelers and State Farm. While your rates won’t be identical to those listed above, you should still be able to find competitive rates when comparing car insurance quotes from these providers.
Read more: Cheapest Full-Coverage Car Insurance
Cheapest Minimum Liability Insurance in Mississippi
On average, drivers pay about $563 per year for minimum liability insurance in Mississippi, which is around $47 per month. USAA and National General are typically the cheapest liability insurance providers in Mississippi, with rate estimates as low as $367 per year or $31 per month.
| Cheapest Liability Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| USAA | $31 | $367 |
| National General Insurance | $32 | $387 |
| Progressive | $37 | $446 |
| State Farm | $38 | $462 |
| Geico | $39 | $470 |
Read more: Cheapest Liability-Only Auto Insurance
Cheapest Mississippi Car Insurance for Teen Drivers
Teens have less experience on the road, and statistically, are involved in more car accidents. Because of these factors, teen drivers typically pay the highest car insurance rates of any age group, and this rule definitely applies in Mississippi.
However, some providers offer discounts that make policies more affordable as teens and students learn safe habits on the road. Ultimately, as teens get older, their car insurance rates tend to decrease. On average, 18-year-olds in Mississippi pay around 8% less for full coverage than 16-year-old drivers.
Below, we break down the cheapest providers for drivers aged 16, 17 and 18 years old in Mississippi.
Cheapest Mississippi Car Insurance for 16-Year-Olds
In 2024, Nationwide offers the most affordable full-coverage car insurance for 16-year-old drivers at a rate of $4,611 per year or $384 per month. That’s 23% lower than the Mississippi state average for drivers of this age group, which is $5,977 per year.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $384 | $4,611 |
| Southern Farm Bureau | $433 | $5,196 |
| Shelter Insurance | $466 | $5,587 |
| State Farm | $531 | $6,375 |
| National General Insurance | $696 | $8,350 |
Read more: Best Cheap Car Insurance for 16-Year-Olds
Cheapest Mississippi Car Insurance for 17-Year-Olds
In Mississippi, 17-year-old drivers pay an average rate of $5,917 per year for full coverage. For this age group, Nationwide offers the most affordable at an average of $4,250 per year or $354 per month, or around 28% less than the statewide average.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $354 | $4,250 |
| Southern Farm Bureau | $390 | $4,681 |
| USAA | $401 | $4,808 |
| Shelter Insurance | $461 | $5,533 |
| State Farm | $469 | $5,628 |
Read more: Best Cheap Car Insurance for 17-Year-Olds
Cheapest Mississippi Car Insurance for 18-Year-Olds
The most affordable car insurance for 18-year-old drivers in Mississippi comes from Nationwide at an average of $3,926 per year or $327 per month. In addition to being more affordable than any other provider in the state, Nationwide’s rates are also around 28% cheaper than the statewide average of $5,482 per year for this age group.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $327 | $3,926 |
| USAA | $331 | $3,966 |
| Southern Farm Bureau Casualty Insurance Company | $358 | $4,291 |
| State Farm | $413 | $4,960 |
| Shelter Insurance | $429 | $5,146 |
Read more: Best Cheap Car Insurance for 18-Year-Olds
Cheapest Mississippi Car Insurance for Young Drivers
As drivers in Mississippi age out of their teen years, their car insurance rates drop significantly. According to our rate data, 25-year-old drivers pay around 59% less for full coverage than their 16-year-old counterparts.
You’ll find the most affordable car insurance companies for drivers ages 19, 21 and 25 below.
Cheapest Mississippi Car Insurance for 19-Year-Olds
For military members around age 19 in Mississippi, USAA offers the most affordable car insurance. For most other Mississippians, however, Nationwide will be the most affordable at around $3,530 per year or $294 per month. That’s around 22% cheaper than the Mississippi-wide average of $4,536 per year for drivers in their final teen year.
| Cheapest Car Insurance in Mississippi | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| USAA | $276 | $3,313 |
| Nationwide | $294 | $3,530 |
| Southern Farm Bureau Casualty Insurance Company | $329 | $3,951 |
| National General Insurance | $357 | $4,280 |
| State Farm | $363 | $4,359 |
Read more: Best Cheap Car Insurance for 19-Year-Olds
Cheapest Mississippi Car Insurance for 21-Year-Olds
Nationwide stands out again as the most affordable choice for 21-year-old drivers in Mississippi. With good credit and a clean driving record, Mississippi motorists in this age group can get full coverage from Nationwide at around $2,031 per year, around 39% cheaper than the statewide average of $3,313 per year for drivers of this age.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $169 | $2,031 |
| USAA | $195 | $2,344 |
| National General Insurance | $237 | $2,839 |
| State Farm | $277 | $3,323 |
| Progressive | $280 | $3,359 |
Read more: Best Cheap Car Insurance for 21-Year-Olds
Cheapest Mississippi Car Insurance for 25-Year-Olds
At around age 25, the average full-coverage car insurance rate for drivers drops around 59% compared to 16-year-old drivers. In this age group, Nationwide offers the most affordable coverage at a rate of $1,621 per year or $135 per month, which is 34% cheaper than the state average of $2,442 for this age group.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $135 | $1,621 |
| National General Insurance | $169 | $2,022 |
| USAA | $169 | $2,024 |
| State Farm | $185 | $2,221 |
| Geico | $200 | $2,400 |
Read more: Best Cheap Car Insurance for 25-Year-Olds
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Cheapest Car Insurance in Mississippi for Seniors
After age 25, car insurance rates for good drivers continue to decrease. However, drivers entering their senior years could see rates gradually increase. In the sections below, we take a look at the cheapest car insurance providers for Mississippi 65- and 75-year-old drivers.
Read more: Cheapest Car Insurance for Seniors
Cheapest Car Insurance in Mississippi for 65-Year-Olds
Drivers around 65 years of age pay an average rate of $1,783 per year or $149 per month for full-coverage car insurance in Mississippi. In this age group, Nationwide is once again the most affordable provider for most drivers, offering full coverage for around $1,214 per year on average.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $101 | $1,214 |
| National General Insurance | $111 | $1,328 |
| USAA | $120 | $1,443 |
| Shelter Insurance | $138 | $1,651 |
| State Farm | $141 | $1,687 |
Cheapest Car Insurance in Mississippi for 75-Year-Olds
As drivers approach age 75, car insurance rates generally tend to increase. Mississippi drivers in this age group pay around $2,129 per year for full coverage, around 19% more than 65-year-old drivers with similar driving profiles. Nationwide’s average rates for 75-year-old drivers are particularly affordable at $1,351 per year.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $113 | $1,351 |
| National General Insurance | $137 | $1,646 |
| State Farm | $159 | $1,908 |
| USAA | $160 | $1,914 |
| Shelter Insurance | $162 | $1,950 |
Cheapest Mississippi Car Insurance for High-Risk Drivers
At-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.
Read more: Best Cheap Car Insurance for High-Risk Drivers
Cheapest Mississippi Car Insurance for Drivers With a Speeding Ticket
Having a speeding ticket on your driving record will cost you in the Magnolia State. Mississippi motorists pay an average of $2,741 per year for full coverage after a speeding violation. Nationwide is much more affordable on average at $1,919 per year for full coverage.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $160 | $1,919 |
| State Farm | $162 | $1,947 |
| USAA | $172 | $2,067 |
| Travelers | $175 | $2,102 |
| Shelter Insurance | $183 | $2,195 |
Read more: Best Speeding Ticket Car Insurance
Cheapest Mississippi Car Insurance for Drivers With a Recent Accident
If you have a recent at-fault accident in Mississippi, it may be hard to avoid a rate increase. On average, Mississippi drivers pay around $2,875 per year full-coverage car insurance after an accident. That’s around 34% more expensive than the statewide average for drivers with a clean driving record. State Farm stands out as most affordable for drivers with this background at a low rate of $2,159 per year or $180 per month.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| State Farm | $180 | $2,159 |
| Shelter Insurance | $183 | $2,195 |
| Travelers | $187 | $2,246 |
| Nationwide | $191 | $2,294 |
| USAA | $197 | $2,368 |
Read more: What Is Accident Forgiveness Coverage?
Cheapest Mississippi Car Insurance for Drivers With a DUI
Expect your car insurance costs to soar in the Magnolia State after a DUI conviction, as you will likely be flagged as a high-risk driver. Our car insurance estimates show drivers pay $3,150 per year on average following a DUI. State Farm works with customers to offer low full coverage rates of around $1,947 per year on average for drivers with this background.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| State Farm | $162 | $1,947 |
| Travelers | $196 | $2,349 |
| Progressive | $232 | $2,780 |
| Nationwide | $255 | $3,060 |
| USAA | $260 | $3,123 |
Read more: How Does a DUI or DWI Impact My Car Insurance Rate?
Cheapest Mississippi Car Insurance for Drivers With Poor Credit
In most states, car insurance companies weigh credit scores when providing drivers with car insurance quotes. Drivers who have bad credit scores in Mississippi pay $3,979 per year for coverage. Nationwide offers drivers a break from high rates, however, with a full coverage average of around $2,231 per year.
| Cheapest Car Insurance in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Nationwide | $186 | $2,231 |
| National General Insurance | $190 | $2,284 |
| Geico | $209 | $2,505 |
| Safeway Insurance | $211 | $2,536 |
| Travelers | $233 | $2,793 |
Read more: Cheapest Car Insurance for Bad Credit
Cheapest Car Insurance by Vehicle Type
The type of vehicle you drive has an impact on how much you’ll pay to insure it. While drivers with electric vehicles pay less for fuel, these vehicles are often more expensive to insure than hybrid and traditional gas-powered vehicles. However, insurance can still be affordable in Mississippi no matter which type of vehicle you drive. Below, we’ll compare the cheapest car insurance providers for electric, hybrid and gas-powered vehicles.
Cheapest Insurance for Electric and Hybrid Vehicles
Based on our rate data, electric vehicles cost more to insure than hybrid vehicles on average. Still, some providers in Mississippi provide coverage for these types of vehicles at costs well below the statewide average.
Cheapest Car Insurance for Electric Cars in Mississippi
The cheapest car insurance provider for electric vehicles in Mississippi is Nationwide at a rate of $2,036 per year or $170 per month. That’s significantly cheaper than the Mississippi average of $3,139 per year for insurance on electric vehicles.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Nationwide | $170 | $2,036 |
| National General Insurance | $173 | $2,080 |
| State Farm | $173 | $2,078 |
| USAA | $195 | $2,340 |
| Shelter Insurance | $228 | $2,733 |
Read more: Electric Vehicle Insurance
Cheapest Hybrid Car Insurance in Mississippi
Hybrid vehicles are cheaper to insure in Mississippi at an average rate of around $1,833 per year for full-coverage car insurance. Nationwide is again the most affordable provider in this category at around $1,328 per year or $111 per month for full coverage.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Nationwide | $111 | $1,328 |
| USAA | $119 | $1,426 |
| National General Insurance | $123 | $1,477 |
| State Farm | $129 | $1,544 |
| Geico | $147 | $1,761 |
Cheapest Insurance for Gas-Powered Vehicles
The average insurance rates for gas-powered SUVs and trucks are about the same as the averages for hybrid vehicles. However, sedans are the most expensive type of gas-powered vehicle to insure. Below, we’ll look at the more affordable car insurance providers for SUVs, sedans and trucks.
Cheapest SUV Insurance in Mississippi
For drivers with SUVs, National General offers the most affordable full coverage, on average, at around $1,337 per year or $111 per month in Mississippi. Each provider in the chart below comes in below the average rate of $1,872 per month for this level of SUV coverage in Mississippi.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| National General Insurance | $111 | $1,337 |
| Nationwide | $112 | $1,340 |
| USAA | $120 | $1,438 |
| State Farm | $130 | $1,562 |
| Progressive | $143 | $1,711 |
Cheapest Car Insurance for Sedans in Mississippi
As mentioned above, sedans are the most expensive type of gas-powered vehicle to insure. Nationwide, however, beats the Mississippi average of $2,041 per year by 27% on average.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Nationwide | $125 | $1,500 |
| USAA | $130 | $1,562 |
| National General Insurance | $138 | $1,657 |
| State Farm | $146 | $1,755 |
| Shelter Insurance | $163 | $1,953 |
Cheapest Car Insurance for Trucks in Mississippi
For truck drivers in Mississippi, Nationwide offers full-coverage car insurance at an average rate of $1,282 per year or $107 per month. This is around 34% more affordable than the Mississippi average of $1,947 per year for this type of coverage.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Nationwide | $107 | $1,282 |
| USAA | $124 | $1,485 |
| State Farm | $134 | $1,609 |
| National General Insurance | $139 | $1,670 |
| Progressive | $155 | $1,854 |
Read more: Everything You Need To Know About the Cost of Truck Insurance
Cheap Car Insurance Quotes in Mississippi
To get the best rates for car insurance in Mississippi, we recommend comparing quotes from several providers in your area before committing to a policy. Car insurance companies base their rates on several factors, including many from your unique driver profile:
Cheap Car Insurance Quotes in Mississippi by ZIP
To get a clear picture of which company is most affordable for you, compare car insurance quotes for your area using our quote tool below:
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Best Cheap Car Insurance Mississippi
The sections below contain more detailed information about the cheapest auto insurance in Mississippi:
#1 Nationwide
Best for Most Drivers in Mississippi
Average monthly minimum-coverage cost: $44
Average monthly full-coverage cost: $115
Number of discounts: 10
Nationwide Overview
Nationwide offers the cheapest full-coverage car insurance for most drivers in Mississippi. Not only is the company cheapest for good drivers with good credit scores, but it’s also affordable across different age groups, driving records and vehicle types. Nationwide has a strong lineup of discounts for dependable coverage options and is one of the most well-known large insurance companies in the country.
Nationwide Insurance Cost and Coverage in Mississippi
Drivers with Nationwide in Mississippi pay an average rate of $1,376 per year or $115 per month for full coverage. Minimum coverage from the company runs Mississippi drivers an average of $528 per year or $44 per month. Both rates are below the Mississippi state average for similar coverages.
Nationwide offers all of the standard coverage options you’d expect in both minimum- and full-coverage policies. The company also offers accident forgiveness for qualified drivers and optional rental car, gap, and towing and labor coverages.
Top Nationwide Insurance Discounts in Mississippi
If you’re considering Nationwide as your car insurance provider in Mississippi, ask about the following discounts:
- SmartMiles®: This program offers a flexible monthly rate based on how many miles you drive.
- SmartRide®: Track your driving habits and earn rewards for safe driving.
- Automatic payments: Make your Nationwide policy even more affordable by signing up for automatic billing.
Read more: Nationwide Insurance Review
#2 USAA
Best for Military Members
Average monthly minimum-coverage cost: $31
Average monthly full-coverage cost: $132
Number of discounts: 12
USAA Overview
USAA is known nationally for offering affordable insurance products to active and retired military members and their families. In Mississippi, USAA offers the second-most affordable full coverage and the most affordable minimum coverage. USAA also frequently earns the highest scores in industry-wide customer satisfaction surveys, notably those from J.D. Power.
USAA Cost and Coverage in Mississippi
Drivers who qualify for USAA coverage in Mississippi pay an average rate of $1,376 per year or $115 per month for full-coverage car insurance. Minimum coverage from the company is $367 per year or $31 per month. These rates are well below the statewide averages for each type of coverage — $2,140 per year or $563 per year, respectively.
Whether you need minimum coverage or a more comprehensive policy, you can find dependable coverage from USAA. You can also customize your coverage with flexible deductibles and optional roadside assistance and rental reimbursem*nt coverages.
Top USAA Insurance Discounts in Mississippi
USAA offers great discount opportunities for all drivers, including those active in the military:
- Annual mileage discounts: If you don’t drive your vehicle much while on-base in Mississippi, you could receive lower car insurance rates.
- Vehicle storage discounts: If you store your vehicle on-base during deployment, ask your USAA agent about rate discounts for vehicle storage.
- Legacy discount: If your parents have a USAA insurance policy, you could save up to 10% on your car insurance premiums.
Keep reading: USAA Insurance Review
#3 National General Insurance
Good for SUV Drivers
Average Monthly Minimum-Coverage Cost: $32
Average Monthly Full-Coverage Cost: $138
Number of Discounts: 8
National General Overview
National General made this list because its rates are often close to Nationwide’s in affordability. National General also offers the most affordable car insurance, on average, for SUV drivers in Mississippi and is an affordable option for drivers with low credit scores.
National General Cost and Coverage in Mississippi
For good drivers with strong credit scores, the average cost for full-coverage car insurance from National General is $1,656 per year or $138 per month in Mississippi. The average rate for minimum coverage from the company is $387 per year or $32 per month.
National General Insurance offers the standard types of car insurance coverages available from most major providers. Customize your coverage from the company with optional coverages like accidental death and dismemberment coverage and roadside assistance.
Top National General Insurance Discounts in Mississippi
Discounts available from National General include:
- DynamicDrive: This is National General’s usage-based insurance program that rewards good driving habits with insurance rate discounts.
- Low-mileage discount: Save money on your car insurance premiums if you don’t drive often.
- Paperless discount: If you opt-in for paperless online billing, you could receive a rate discount from National General.
#4 State Farm
Best for High-Risk Drivers
Average Monthly Minimum-Coverage Cost: $38
Average Monthly Full-Coverage Cost: $150
Number of Discounts: 16
State Farm Overview
State Farm is often one of the most affordable options for Americans and is among the largest car insurance providers in the country. In Mississippi, State Farm is cheap for all drivers but is most affordable among drivers with a recent at-fault accident or DUI in the state. State Farm also offers a large number of discounts and coverage options to customize coverage levels and rates to your unique driver profile.
State Farm Insurance Cost and Coverage in Mississippi
Mississippi drivers pay an average full-coverage rate of $1,805 per year or $150 per month. Minimum coverage from the company averages out at $462 per year or $38 per month. For drivers with a DUI, State Farm rates are $1,947 per year, or around 38% less than the state average for drivers with similar backgrounds.
Coverage options available from State Farm include all of the protections you’d need for any standard minimum coverage or full-coverage policy in Mississippi.
Top State Farm Insurance Discounts in Mississippi
State Farm customers in Mississippi can take advantage of many different discounts, including:
- : Get a discount just for enrolling in State Farm’s Drive Safe & Safe program, then save up to 30% on your car insurance rates for safe driving.
- Steer Clear: Young drivers under 25 can learn about and practice safe driving habits with this State Farm program to qualify for extra car insurance discounts.
- Defensive driving discounts: You may qualify for additional car insurance discounts if you take an approved defensive driving course.
Keep reading: State Farm Insurance Review
#5 Travelers
Affordable for Many Drivers
Average Monthly Minimum-Coverage Cost: $41
Average Monthly Full-Coverage Cost: $138
Number of Discounts: 12
Travelers Overview
While Travelers isn’t the cheapest provider in Mississippi, the company still offers competitive rates for drivers with many different backgrounds and coverage levels. Travelers often appears in the top five most affordable options for drivers with high-risk driving histories as well as those with good credit and clean driving records. In our industry-wide review of over 100 car insurance companies, Travelers took the number one spot thanks to its coverage selection, discount opportunities and great customer experience.
Travelers Insurance Cost and Coverage in Mississippi
In Mississippi, Travelers customers pay an average rate of $1,660 per year or $138 per month for full coverage car insurance. Minimum coverage from Travelers is $470 per year or $39 per month. As with each provider on our list, Travelers’ rates are more affordable than the statewide average for each coverage type in Mississippi.
Top Travelers Insurance Discounts in Mississippi
If you’re considering Travelers insurance in Mississippi, talk to your agent to see if you qualify for any of the company’s many discounts, including:
- New car discount: Travelers offers discounts to customers with cars less than three model years old.
- Hybrid/electric car discount: If you drive a hybrid or electric vehicle in Mississippi, you could qualify for discounted insurance rates.
- Early quote discount: If you’re switching to Travelers from another company, you could qualify for a discount if you request a quote from Travelers before your policy with your current provider expires.
Keep reading: Travelers Insurance Review
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Average Car Insurance Cost Mississippi
The average cost of full-coverage car insurance in Mississippi is $2,140 per year or $178 per month. Mississippi motorists tend to pay about 20% less than the national average, which is $2,681 per year.
Minimum liability car insurance in Mississippi costs an average of $563 per year or $47 per month. This is well below the national average of $869 per year for similar coverage.
Mississippi Car Insurance Cost by Age
Age plays a significant role in determining car insurance costs. Here are estimates for average car insurance premiums in Mississippi broken down by age:
| Age | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| 16 | $498 | $5,977 |
| 17 | $493 | $5,917 |
| 18 | $457 | $5,482 |
| 19 | $378 | $4,536 |
| 21 | $276 | $3,313 |
| 25 | $203 | $2,442 |
| 35 | $178 | $2,140 |
| 45 | $157 | $1,885 |
| 55 | $145 | $1,742 |
| 65 | $149 | $1,783 |
| 75 | $177 | $2,129 |
Page 1 of 2
As you can see, older drivers will pay much less for car insurance than young drivers.
Mississippi Car Insurance Cost by City
Location also plays a significant role in how much you’ll pay for car insurance. If you drive in an area that has high rates of traffic accidents and other violations, your insurance rates are likely to be higher than they would be in other areas.
Below, we compare the average costs for full coverage car insurance in different Mississippi cities:
| City in Mississippi | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Biloxi | $179 | $2,151 |
| Brandon | $176 | $2,106 |
| Canton | $182 | $2,186 |
| Clinton | $185 | $2,214 |
| Columbus | $163 | $1,957 |
| Ellisville | $170 | $2,045 |
| Florence | $183 | $2,193 |
| Gautier | $174 | $2,082 |
| Greenville | $174 | $2,091 |
| Gulfport | $184 | $2,202 |
| Hattiesburg | $172 | $2,061 |
| Hernando | $174 | $2,084 |
| Horn Lake | $178 | $2,134 |
| Jackson | $191 | $2,291 |
| Laurel | $169 | $2,024 |
| Long Beach | $180 | $2,164 |
| Meridian | $169 | $2,028 |
| Moss Point | $179 | $2,143 |
| Ocean Springs | $176 | $2,109 |
| Olive Branch | $173 | $2,079 |
| Oxford | $167 | $2,003 |
| Pass Christian | $183 | $2,192 |
| Pearl | $182 | $2,181 |
| Petal | $172 | $2,068 |
| Picayune | $192 | $2,298 |
| Ridgeland | $177 | $2,124 |
| Southaven | $174 | $2,090 |
| Tupelo | $159 | $1,902 |
| Vicksburg | $186 | $2,228 |
Page 1 of 3
Mississippi Car Insurance Rates vs. National and State Averages
Mississippi car insurance rates are affordable compared to the national averages for similar policies. See the chart below for how they compare:
However, rates for minimum- and full-coverage car insurance could be more affordable in other states. See how rates in different states compare below:
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Alabama | $572 | $2,048 |
| Alaska | $506 | $2,116 |
| Arizona | $956 | $3,127 |
| Arkansas | $589 | $2,398 |
| California | $736 | $3,040 |
| Colorado | $750 | $3,010 |
| Connecticut | $1,179 | $2,699 |
| Delaware | $1,288 | $3,364 |
| Florida | $1,605 | $3,795 |
| Georgia | $1,256 | $2,907 |
| Hawaii | $455 | $1,581 |
| Idaho | $463 | $1,588 |
| Illinois | $823 | $3,054 |
| Indiana | $557 | $1,949 |
| Iowa | $456 | $1,994 |
| Kansas | $683 | $2,421 |
| Kentucky | $1,072 | $2,545 |
| Louisiana | $1,497 | $4,357 |
| Maine | $456 | $1,460 |
| Maryland | $1,261 | $2,943 |
| Massachusetts | $759 | $2,620 |
| Michigan | $1,299 | $4,067 |
| Minnesota | $752 | $2,463 |
| Mississippi | $563 | $2,140 |
| Missouri | $752 | $2,613 |
| Montana | $517 | $2,368 |
| Nebraska | $545 | $2,252 |
| Nevada | $1,665 | $3,870 |
| New Hampshire | $594 | $1,766 |
| New Jersey | $1,408 | $3,034 |
| New Mexico | $608 | $2,335 |
| New York | $2,221 | $4,112 |
| North Carolina | $815 | $2,271 |
| North Dakota | $490 | $2,029 |
| Ohio | $511 | $1,660 |
| Oklahoma | $710 | $3,256 |
| Oregon | $1,161 | $2,408 |
| Pennsylvania | $893 | $3,909 |
| Rhode Island | $1,084 | $2,921 |
| South Carolina | $959 | $2,519 |
| South Dakota | $443 | $2,590 |
| Tennessee | $707 | $2,237 |
| Texas | $960 | $3,156 |
| Utah | $968 | $2,451 |
| Vermont | $366 | $1,539 |
| Virginia | $726 | $2,070 |
| Washington | $661 | $2,110 |
| Washington, D.C. | $870 | $2,636 |
| West Virginia | $617 | $2,308 |
| Wisconsin | $561 | $2,003 |
| Wyoming | $303 | $1,794 |
Page 1 of 6
Read more: Car Insurance Rates by State
Mississippi Car Insurance Requirements
Mississippi drivers are required to purchase liability insurance at the minimum coverage limits of 25/50/25. This means motorists must purchase:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Optional Insurance Coverage in Mississippi
Drivers aren’t required to purchase any other coverage by law. However, many choose to purchase full-coverage insurance policies, which may include:
- Comprehensive coverage
- Collision coverage
- Liability coverage
- Medical payments coverage
- Uninsured motorist protection coverage
Is It Illegal Not To Have Car Insurance in Mississippi?
It is illegal not to have car insurance in Mississippi. Drivers who fail to show proof of car insurance in Mississippi will receive an initial penalty of $100. They could also have their driving privileges suspended for one year or until they provide proof of insurance.
How To Get Car Insurance in Mississippi
USAA, State Farm, National General and Mississippi Farm Bureau Insurance tend to offer the best car insurance in Mississippi. Comparing car insurance rates from these providers can help you find affordable coverage for you and your vehicle.
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Mississippi Car Insurance: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Mississippi. We also looked at average cost of car insurance and coverage requirements in the Magnolia State.
Cheapest Car Insurance In Mississippi: FAQ
Below are some common frequently asked questions about cheap car insurance in Mississippi:
Full-coverage car insurance in Mississippi is about 20% lower than the national average. Mississippi drivers with clean driving records pay an average rate of $2,140 per year for car insurance coverage.
The state of Mississippi requires all motorists to purchase the minimum coverage for liability insurance. This includes $25,000 per person and $50,000 per accident bodily injury liability and $25,000 per accident property damage liability. Most drivers choose to buy additional coverage, ranging from underinsured motorist coverage to medical payments coverage.
Drivers must be 18 years old to purchase car insurance coverage in Mississippi. Some providers may require you to have a driver’s license before buying a policy.
According to our rate estimates, drivers with clean records and good credit history can find liability coverage for as little as $31 per month on average with USAA. For those not affiliated with the military, National General offers minimum coverage for as low as $32 per month.
How We Chose the Cheapest Car Insurance in Mississippi
Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Mississippi, we’ve averaged rates from the top 12 providers across 40 Mississippi ZIP codes. Unless otherwise specified, our base driver profiles for Mississippi insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Mississippi drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Mississippi, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.
