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Cheapest Car Insurance In Mississippi

The Cheapest Mississippi Car Insurance Rates Are $20/mo ($244/yr) for Liability Insurance From National General Insurance and $72/mo ($860/yr) for Full Coverage From USAA.

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Updated: Jun 27, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

We at The MarketWatch Guides Auto 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.

Cheapest Auto Insurance in Mississippi

Insurance rates in Mississippi are slightly lower than the national average so you should have a good chance of finding affordable rates.

Below, we will look at the cheapest car insurance companies and coverage options in Mississippi.

Cheapest Car Insurance Companies in Mississippi

The cheapest car insurance companies in Mississippi combine affordable premiums with solid coverage options and exceptional customer service. Some of the cheapest providers in the Magnolia State are USAA, State Farm, National General Insurance and Mississippi Farm Bureau Insurance.

Top Mississippi Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
USAA Learn More	9.5	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	9.0	Learn More
National General	8.1	8.5	8.5
Farm Bureau Insurance	6.6	5.0	7.2

Top Mississippi Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Learn More
USAA Learn More	9.5	9.5	10.0	Learn More
State Farm Learn More	9.2	9.0	9.0	Learn More
National General	8.1	8.5	8.5
Farm Bureau Insurance	6.6	5.0	7.2

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Mississippi.

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 rate estimates from the Guides Auto Team, Mississippi drivers can find the best car insurance in the state for as little as $72 per month. The table below includes full coverage rate estimates from the cheapest car insurance providers in the Magnolia State.

Cheapest Full Coverage Insurance: Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$72	$860
National General Insurance	$76	$910
Nationwide	$97	$1,168
State Farm	$106	$1,270
Geico	$113	$1,358
Mississippi Farm Bureau Insurance	$116	$1,387
Progressive	$135	$1,622
Allstate	$144	$1,724

You can expect to find affordable average car insurance rates from USAA, National General, Nationwide and State Farm in Mississippi. 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.

Cheapest Minimum Liability Insurance in Mississippi

On average, drivers pay about $439 per year for minimum liability insurance in Mississippi, which is around $37 per month. National General and USAA are typically the cheapest liability insurance providers in Mississippi, with rate estimates as low as $244 per year or $20 per month.

Cheapest Liability Insurance: Mississippi	Estimated Monthly Cost	Estimated Annual Cost
National General Insurance	$20	$244
USAA	$20	$244
Geico	$28	$338
State Farm	$32	$389
Mississippi Farm Bureau Insurance	$34	$402

Cheap Car Insurance in Mississippi

Age, driving history and credit score can have a huge impact on the cost of car insurance in Mississippi. Below we compare cheap car insurance estimates for Mississippi drivers in these categories.

Cheapest Mississippi Car Insurance for Young Drivers

Young drivers in particular tend to pay steep prices for full coverage car insurance policies due to their lack of driving experience. Rates generally decrease as drivers reach age 25.

Cheapest Mississippi Car Insurance for 16-Year-Olds

Our research shows Mississippi Farm Bureau Insurance Insurance and USAA offer the cheapest car insurance rates in Mississippi on average for 16-year-old drivers.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
Mississippi Farm Bureau Insurance	$292	$3,499
USAA	$306	$3,676
Nationwide	$309	$3,711
State Farm	$315	$3,774
Shelter Insurance	$383	$4,598

Cheapest Mississippi Car Insurance for 17-Year-Olds

Our research shows Mississippi Farm Bureau Insurance Insurance and USAA offer the cheapest car insurance rates in Mississippi on average for 17-year-old drivers.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$199	$2,389
Mississippi Farm Bureau Insurance	$261	$3,136
State Farm	$280	$3,364
Nationwide	$298	$3,571
Shelter Insurance	$359	$4,307

Cheapest Mississippi Car Insurance for 18-Year-Olds

Our research shows Mississippi Farm Bureau Insurance Insurance and USAA offer the cheapest car insurance rates in Mississippi on average for 18-year-old drivers.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$164	$1,962
Mississippi Farm Bureau Insurance	$239	$2,862
State Farm	$248	$2,974
Nationwide	$280	$3,362
National General Insurance	$307	$3,688

Cheapest Mississippi Car Insurance for 21-Year-Olds

Our research shows Nationwide and USAA offer the cheapest car insurance rates in Mississippi on average for 21-year-old drivers.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$100	$1,202
Nationwide	$157	$1,888
National General Insurance	$162	$1,948
State Farm	$171	$2,047
Mississippi Farm Bureau Insurance	$190	$2,279

Cheapest Mississippi Car Insurance for 25-Year-Olds

Our research shows National General Insurance Insurance and USAA offer the cheapest car insurance rates in Mississippi on average for 25-year-old drivers.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$87	$1,044
National General Insurance	$110	$1,325
Nationwide	$116	$1,396
State Farm	$121	$1,455
Geico	$131	$1,576

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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.

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 $1,682 per year for coverage after a speeding violation.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$88	$1,059
State Farm	$109	$1,303
National General Insurance	$118	$1,411
Nationwide	$123	$1,479
Geico	$136	$1,639

Cheapest Mississippi Car Insurance for Drivers With a Recent Accident

An increased auto insurance premium is inevitable after a recent accident in Mississippi. Across the state, drivers pay about $2,118 per year on average for an auto insurance policy after an at-fault accident.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
USAA	$101	$1,214
National General Insurance	$117	$1,411
State Farm	$121	$1,458
Mississippi Farm Bureau Insurance	$143	$1,713
Nationwide	$155	$1,867

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 $2,434 per year on average following a DUI.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$108	$1,303
National General Insurance	$119	$1,428
USAA	$130	$1,567
Progressive	$149	$1,781
Mississippi Farm Bureau Insurance	$183	$2,200

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 $2,652 per year for coverage on average.

Cheapest Car Insurance in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
National General Insurance	$119	$1,433
USAA	$129	$1,547
Geico	$136	$1,629
Nationwide	$155	$1,860
Mississippi Farm Bureau Insurance	$191	$2,296

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Best Cheap Car Insurance Mississippi

For those who would like to know about the cheapest auto insurance in Mississippi, the sections below contain more detailed information:

#1 USAA: Low Rates for Military

9.2/10

Overview

Military members, veterans and their families choose USAA for its cheap car insurance coverage and quality customer service. The insurer received the highest customer satisfaction rating for the Southeast region in the J.D. Power 2021 U.S. Auto Insurance Study℠. The company also has an A+ rating from the BBB and an A++ (Superior) financial strength rating from AM Best.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 890/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

#2 State Farm: Most Popular Provider

9.4/10

Overview

Mississippi motorists turn to State Farm — the nation’s largest car insurance provider — for its affordable coverage options (especially for drivers with a DUI). The company offers several car insurance discounts and two usage-based programs for drivers, which offer up to 30% off your insurance premium for safe driving.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 859/1,000
AM Best financial strength rating: A++
BBB rating: A+

#3 National General Insurance: Affordable Coverage for High-Risk Drivers

9/10

Overview

If you’re a high-risk driver or have bad credit, you may want to consider purchasing coverage through National General. The company has some of the lowest car insurance rates in Mississippi, behind USAA. Drivers can find solid coverage options and with several deductible choices in the Magnolia State.

Industry Standing

J.D. Power regional rating: 803/1,000
AM Best financial strength rating: A+
BBB rating: A+

#4 Mississippi Farm Bureau Insurance: Strong Local Coverage

9/10

Overview

Mississippi Farm Bureau Insurance offers local car insurance coverage that’s backed by strong ratings for financial strength and customer service. Drivers can speak to local insurance agents, as the company’s headquarters is in Jackson, Miss.

Industry Standing

J.D. Power regional rating: Not rated
AM Best financial strength rating: A+
BBB rating: A+

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Average Car Insurance Cost Mississippi

The average cost of full coverage car insurance in Mississippi is $1,434 per year or $120 per month. Mississippi motorists tend to pay about 17% less than the national average, which is $1,730 per year.

City in Mississippi	Estimated Monthly Cost	Estimated Annual Cost
Starkville	$104	$1,247
Tupelo	$111	$1,334
Columbus	$118	$1,422
Laurel	$121	$1,451
Hernando	$122	$1,461
Greenville	$122	$1,465
Oxford	$122	$1,468
Meridian	$124	$1,493
Hattiesburg	$125	$1,497
Gautier	$125	$1,504
Ridgeland	$127	$1,525
Southaven	$127	$1,525
Olive Branch	$127	$1,528
Madison	$128	$1,539
Brandon	$129	$1,553
Pearl	$131	$1,568
Horn Lake	$131	$1,576
Long Beach	$131	$1,577
Biloxi	$133	$1,598
Ocean Springs	$133	$1,598
Clinton	$135	$1,615
Gulfport	$135	$1,617
Vicksburg	$138	$1,655
Pascagoula	$140	$1,675
Jackson	$145	$1,739

*Average rates above apply to the top three companies in each city.

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	$483	$5,791
17	$437	$5,248
18	$374	$4,484
19	$271	$3,252
21	$200	$2,399
25	$147	$1,769
30	$131	$1,575
40	$122	$1,463
50	$111	$1,336
55	$109	$1,309
65	$112	$1,342
75	$134	$1,611

As you can see, older drivers will pay much less for car insurance than young drivers.

Factors That Affect Car Insurance Costs in Mississippi

The price you pay for Mississippi auto insurance will largely depend on your driving history. Some other common factors insurers consider when calculating car insurance quotes include:

Location
Vehicle
Age, gender and marital status
Credit score

The best way to find cheap auto insurance in Mississippi is to compare car insurance rates from multiple providers.

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?

Drivers who fail to show proof of car insurance in Mississippi will receive an initial penalty of $1,000. 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:

Car insurance in Mississippi is about 17% lower than the national average. Mississippi drivers with clean driving records pay an average rate of $1,434 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 coverage for as little as $72 per month on average with USAA.

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:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: