The average cost of full coverage car insurance in Mississippi is $1,664. But averages don’t tell the whole story — car insurance costs will vary depending on where in Mississippi you live, how much coverage you have in your policy, your age, driving history and even your credit score.
Ready to start shopping? Policygenius can help you see quotes from top companies so you can easily see what you’ll pay and choose the best policy for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Mississippi
There are a number of factors insurance companies analyze when calculating your rates. Everything from age, driving history, address, and credit score can affect your car insurance costs. But the company you choose also makes a big difference, which is why it’s so important to shop around.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $75/month | 890 |
Direct Auto | $80/month | -- |
State Farm | $90/month | 882 |
GEICO | $113/month | 874 |
Nationwide | $114/month | 868 |
Cheapest car insurance companies by age in Mississippi
Car insurance companies also consider a driver’s age when determining rates. Young drivers, meaning teenagers and young adults, have insurance rates that are considerably higher than older, more experienced drivers, because they’re more likely to get into an accident and file a claim.
As a driver ages and gains more experience, insurance rates can decrease, usually leveling out at age 25.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Farm Bureau | $3,492 |
18 | USAA | $2,121 |
21 | USAA | $1,295 |
25 | USAA | $1,127 |
30 | USAA | $959 |
35 | USAA | $913 |
45 | USAA | $845 |
55 | USAA | $800 |
60 | USAA | $793 |
65 | Direct Auto | $776 |
70 | Direct Auto | $829 |
Choosing the right car insurance company in Mississippi
Choosing a car insurance policy can seem overwhelming, but it doesn't have to be. There are a few key factors to consider when picking a car insurance company.
Cost: Different companies charge different rates for similar coverage, that's why it's important to look at quotes from multiple insurance companies to find the best rate.
Coverage: Make sure the company you choose offers the coverage you need, whether it’s extra-high liability coverage or boat insurance that you can bundle with your auto policy.
Customer service: Check claims satisfaction ratings and extra perks in addition to cost — it might be worth paying a little extra for white-glove coverage.
If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies.
Car insurance rates for drivers with driving violations in Mississippi
Any violations can affect your insurance rates, drivers with speeding tickets or other moving violations will pay more for coverage. As a general rule of thumb though, insurance companies look at the past five years of your driving record, so if you keep a clean driving record going forward, your rates may eventually go back down.
Violation | USAA | Direct Auto | State Farm | GEICO | Nationwide |
|---|---|---|---|---|---|
At-fault accident | $1,390 | $1,712 | $1,306 | $2,266 | $2,121 |
Suspended license | $1,770 | $1,712 | $1,178 | $1,516 | $2,649 |
Open container | $1,298 | $1,604 | $1,178 | $4,055 | $1,689 |
Expired registration | $1,245 | $1,077 | $1,178 | $1,369 | $1,689 |
Driving without lights | $1,245 | $1,282 | $1,178 | $1,595 | $1,689 |
Running a red light | $1,245 | $1,604 | $1,178 | $1,595 | $1,689 |
Following too closely | $1,245 | $1,604 | $1,178 | $1,595 | $1,689 |
Hit and run | $1,901 | $1,712 | $1,178 | $4,269 | $2,649 |
Not-at-fault accident | $969 | $1,329 | $1,093 | $1,441 | $1,435 |
Passing a school bus | $1,298 | $1,604 | $1,178 | $1,595 | $1,689 |
Reckless driving | $1,298 | $1,712 | $1,178 | $2,988 | $2,649 |
Cheapest car insurance for drivers with a DUI in Mississippi
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,178 |
Direct Auto | $1,730 |
USAA | $1,837 |
Nationwide | $2,649 |
GEICO | $4,269 |
Cheapest car insurance for drivers with a speeding ticket in Mississippi
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,178 |
USAA | $1,245 |
Nationwide | $1,689 |
Direct Auto | $1,712 |
GEICO | $1,777 |
Cheapest car insurance for drivers with bad credit in Mississippi
A number of states use credit scores to help determine car insurance rates. Drivers in Mississippi who have lower credit scores may pay higher insurance rates, which is why it’s all the more important for drivers with poor credit to take the time to shop around for coverage.
Company | Rates for drivers with bad credit |
|---|---|
Direct Auto | $1,752 |
GEICO | $1,768 |
USAA | $1,841 |
Safeway Insurance | $2,063 |
Nationwide | $2,205 |
Car insurance costs in Mississippi cities
Insurance companies consider factors like population density, crime rates and even car repair costs when determining insurance rates for different areas within a state.
Here's how the ten biggest cities in Mississippi stack up:
Jackson: $1,841
Gulfport: $1,743
Southaven: $1,661
Hattiesburg: $1,638
Biloxi: $1,712
Meridian: $1,594
Tupelo: $1,496
Greenville: $1,659
Olive Branch: $1,665
Horn Lake: $1,694
Buying car insurance in Mississippi
Minimum insurance requirements in Mississippi: Drivers in Mississippi are required to have a minimum of $25,000 per person and $50,000 per accident in bodily liability coverage. In addition to bodily liability coverage, Mississippi drivers are required to have a minimum of $25,000 in property damage liability coverage.
Fault rules in Mississippi: Mississippi is a fault state when it comes to car insurance. Unlike in a no-fault state, where drivers seek compensation for their injuries from their own insurance company, no matter who was at fault, in Mississippi, the at-fault driver’s insurance pays for the victim’s medical bills and repair costs.
How to get cheap car insurance in Mississippi
Car insurance can be an expensive financial burden, but it offers drivers peace of mind (and it’s also required by law). Fortunately, there are ways to offset this cost and find cheaper auto insurance, no matter who you are.
Ask about discounts
Consider higher deductibles
Bundle your auto and home or renters policies with the same company
Reduce coverage on older cars
Maintain a good credit score or repair low credit
Take driver’s education courses
Frequently asked questions
Why is car insurance so expensive in Mississippi?
Car insurance costs are higher in places with high crime rates, more uninsured drivers on the road, high rates of claims and accidents and fewer secure parking options. They’re lower in less-densely populated places
How much is car insurance per month in Mississippi?
Drivers in Mississippi pay an average of $1,664 per year for car insurance, which breaks down to $139 per month.
Who offers the cheapest car insurance for drivers with bad credit in MS?
Direct Auto offers the lowest rates in Mississippi for drivers with bad credit. The average cost is $1,752, but your final rate will depend on a number of other factors in addition to your credit score.
Is car insurance expensive in Mississippi?
Car insurance rates in Mississippi are just a few dollars above the national average. Drivers in Mississippi who want to save money on car insurance should compare quotes from multiple companies to make sure they are getting the lowest possible rate.
