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In Mississippi, the average cost of car insurance stands at $1,149.85 annually or about $96 monthly for coverage, according to the National Association of Insurance Commissioners (NAIC). To compare, the nationwide average is closer to $1,190 a year.
However, the NAIC considers policies both with state minimum coverage along with those that have extra coverage and higher liability limits. Because outside factors like your driving record, exact car and ZIP code influence your rate, you could end up paying more or less than your state’s average cost.
In at-fault states, the driver who caused the accident pays for damages.
To legally drive in Mississippi, every driver needs to carry 25/50/25 in bodily injury and property damage liability coverage. These are the coverage limits, or the maximum amount that your insurance will pay if you cause an accident.
Let’s break down what’s covered by these state minimum requirements.
Bodily injury liability kicks in when you’re at fault and caused injuries to other drivers, passengers or even pedestrians. You’ll find similar requirements across other states, but consider higher limits in case medical bills go beyond this amount.
This coverage kicks in if you cause car damage or damage personal property like custom car equipment or property fencing. This amount is a standard level of coverage, although many states require less.
While Mississippi keeps fairly standard state requirements, this coverage might not help in all situations, especially for more serious car accidents.
Most states require a barebones level of protection, so think about upping your liability limits and adding optional coverage that fits your driving needs.
| Coverage | Description | Consider this coverage if |
|---|---|---|
| Higher liability coverage limits | Make sure your insurance will pay for all the damage you cause. That includes damage to someone else’s car or property, medical bills or court fees. |
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| Collision | Pays for your car’s damage for accidents where you’re at fault |
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| Comprehensive | Helps you recover from theft or other noncollision damage, like vandalism, windshield cracks or weather damage |
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| Personal injury protection | Pays for your or your passengers’ medical bills or lost income if you get injured. Also, kicks in no matter who’s at fault. |
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| Uninsured/underinsured motorist | Mississippians drive uninsured over twice as much as in other states. This coverage helps in case you get in an accident with a driver who can’t pay for your damage. |
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Insurance costs can differ widely based on your age alongside other factors. In Mississippi, Geico again offers the lowest rates across all ages in our sample. Try quotes from a variety of companies to make sure you’re getting the best deal.
| Age | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| 16-24 | – | $193.25 | $186.38 | $249.91 |
| 25-34 | $152.35 | $149.12 | $141.02 | $156.67 |
| 35-44 | $165.86 | $149.79 | $127.03 | – |
| 45-54 | $142.54 | $144.56 | $115.11 | $130.85 |
Men can pay as much as $70 per month more than women, depending on the insurance company. In our sample, Geico takes the top spot with the lowest rates for both genders.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Men | $173.13 | $162.04 | $119.76 | $230.35 |
| Women | $144.23 | $153.26 | $133.10 | $161.10 |
When getting quotes from major insurers, Geico may bring the most competitive prices to the table. These sample rates are based on cost information from Savvy.
However, you could go with Allstate and join its Drivewise or rewards program. Drivewise tracks your driving and sets a discount based on your safety.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Rate | $155.79 | $156.55 | $127.03 | $188.80 |
The best companies in Mississippi offer a suite of coverage, long list of discounts and perks like local agents or a userfriendly app. They also keep top ratings with the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners.
Consider possibilities that offer you the standard or unique features that you’re looking for in a car insurance policy.
Progressive
Finder score
To get that steep discount, you'll need a claim-free driving record or to enroll in Snapshot and track your driving. And for those on a limited budget, try Progressive's pricing tool to name a rate and see how much coverage you can get.
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
Auto-Owners
Finder score
That focus on local support has paid off. Auto-Owners gets high customer satisfaction in the Southeast, according to J.D. Power. It's also friendly to young drivers, offering steep discounts and a teen safe driving program to help you save.
| Telematics | TrueRide |
|---|---|
| Gap insurance | Yes |
| Telematics | TrueRide |
|---|---|
| Gap insurance | Yes |
Nationwide
Finder score
Enjoy peace of mind about trying a new policy because you get Nationwide's solid coverage and claims service. SmartMiles charges a monthly flat fee along with a per-mile fee, saving you the most when you drive less. The policy also uses a device plugged into your car rather than an app, so you won't drain your phone battery or data.
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Mississippian’s rating factors to keep in mind.
| Factor | How it affects your rates |
|---|---|
 Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least. |
 Gender | Mississippi takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end. |
 Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates. Mississippi vehicle theft rates stand at 205 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s below the national average of 246 vehicle thefts per 100,000 inhabitants. As for uninsured drivers, 29.4% of Mississippians on the road are uninsured. This state holds the highest percentage of uninsured drivers in a state according to Insurance Information Institute, and well above the national average of 12.6%. |
 Driving Record | The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Mississippi can increase your rate by around 27%. These types of violations typically stay on your record for about three years. |
 Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Mississippians drive an average of 37 miles per day, that’s above the average across the US of 36.1 miles per day. |
 Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Mississippi drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates. |
 Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums. |
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.
See the top insurers by market share nationally that serve in Missisippi, according to S&P Global. To help you choose the right insurer for you, we list each company’s ratings from top rating agencies, including:
| Provider | BBB Rating | JD Power Rating | NAIC complaint ratio | National market share % | Finder score | Go to site |
|---|---|---|---|---|---|---|
State Farm | A+ | 847/1000 | 1.93 | 16.2 | ★★★★★ 4/5 | |
Geico | A+ | 832/1000 | 1.42 | 13.6 | ★★★★★ 4/5 | |
Progressive | A+ | 830/1000 | 1.05 | 13.3 | ★★★★★ 4/5 | Get Quotes |
Allstate | A+ | 827/1000 | 2.71 | 10.4 | ★★★★★ 4/5 | |
USAA | A+ | 884/1000 | 1.9 | 6.3 | ★★★★★ 4/5 | |
Farmers | A- | 820/1000 | 1.64 | 4.9 | ★★★★★ 4/5 | |
Liberty Mutual | A+ | 827/1000 | 2.2 | 4.7 | ★★★★★ 4/5 | Get Quotes |
Nationwide | A+ | 814/1000 | 2.08 | 2.3 | ★★★★★ 4/5 | |
Travelers | A+ | 820/1000 | 3.28 | 2 | ★★★★★ 4/5 | |
Kemper | A+ | 784/1000 | 6.42 | 1.5 | ★★★★★ 3/5 |
| Company | Average annual rate | Learn more |
|---|---|---|
| Alfa | $351 | |
| Southern Farm Bureau | $440 | |
| State Farm | $674 | |
| USAA | $692 | Read review |
| Allstate | $804 | Read review |
| Safeco | $809 | |
| SafeAuto | $853 | |
| Shelter | $929 | |
| Geico | $1,509 | Read review |
| Liberty Mutual | $1,857 | Get a quote |
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.
| Company | Annual car insurance rate |
|---|---|
| Allstate | $690 |
| Safeauto | $841 |
| Geico | $975 |
| Statefarm | $751 |
| USAA | $782 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $804 |
| Safeauto | $951 |
| Geico | $1002 |
| Statefarm | $744 |
| USAA | $770 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $562 |
| Safeauto | $843 |
| Geico | $1000 |
| Statefarm | $671 |
| USAA | $720 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $562 |
| Safeauto | $858 |
| Geico | $966 |
| Statefarm | $846 |
| USAA | $733 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $690 |
| Safeauto | $866 |
| Geico | $975 |
| Statefarm | $782 |
| USAA | $782 |
Mississippi is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.
However, Mississippi also considers whether both drivers are partially at fault under a pure comparative fault law, according to the legal website Nolo. Under this law, both drivers pay for the percentage of damage that they cause.
For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance also pays 20% of your damages.
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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