Note from the editor: Perhaps you are looking for car insurance for your first time, or perhaps you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
There are many places to explore in the birthplace of delta blues. Could you be saving money with car insurance?
We compared the estimated car insurance rates of several Mississippi insurance companies and found that we could calculate an average cost and which insurers offered the lowest rates for different driver profiles and needs.
These calculations were based on a minimum-coverage insurance policy and a fairly neutral driver profile. This allowed us to compare rates and give a baseline view of the rates offered by insurers (see our complete methodology). Your driving record and other factors that impact car insurance such as your age, vehicle type and mileage may affect the rates you receive. Our calculations were based on a standard profile that included no claims, accidents, or tickets.
Find out about Mississippi’s average auto insurance rates. We also have the lowest options.
Car insurance costs in Mississippi
The average monthly premium for Mississippi car insurance is just below $50, but can reach nearly $100 depending on the type of coverage chosen and the driver profile.
Monthly average auto insurance premiums in Mississippi
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Mississippi has a state-minimum requirement for car insurance | $42.84 |
| Mississippi drivers with bad credit | $76.15 |
| Multiple claims drivers in Mississippi | $98.71 |
| Young drivers in Mississippi | $69.83 |
Based upon our standard driver profile, and minimum coverage
The cheapest car insurance in Mississippi
Rates have been calculated using a Mississippi driver profile as described in our methodology to evaluate insurers equally and get an accurate idea of the costs for an average driver. Your rates may differ. Except where noted, these characteristics include 680-719 credit scores, age 36-45, no tickets or coverage gaps and a car worth between $20,000-$30,000. We also calculated minimum car insurance coverage.
1. Direct General Insurance
Direct General Insurance may offer Mississippi drivers minimum-coverage car insurance starting at $20.83 per month. Direct General Insurance, also known as Direct Auto Insurance offers standard coverage and optional add-ons such as collision, comprehensive, uninsured driver, rental reimbursement, and medical payments coverage. Direct General also offers discounts such as a military discount or safe driver discount, a senior discount, and a good student discount.
Review Direct Auto Insurance.
2. Geico
Geico allows Mississippi drivers to get basic car insurance starting at $26.72 per monthly. Geico offers all the standard coverage options plus additional benefits and a wide range of discounts. Geico’s mobile app lets users manage their policies, request roadside help, and get a quote for repairs.
See reviews about Geico auto insurance.
3. All over the country
Nationwide could provide Mississippi driver profile minimum coverage car insurance for $31.38 per month. Nationwide provides standard coverage for a variety of vehicles, personal coverage options, and special coverages such as accident forgiveness, roadside help, vanishing or total loss waivers, and even roadside assistance. Nationwide offers discounts for certain safety features, safe driving records, and participation in Nationwide’s SmartRide or SmartMiles usage-based insurance policies.
Review Nationwide auto insurance.
4. USAA
USAA offers car insurance as low as $32.49 per month for a Mississippi driver profile. USAA provides car insurance to U.S. military personnel, their spouses, and children of USAA members. In addition to minimum coverage, USAA offers collision, comprehensive and uninsured/underinsured motorist coverages. USAA offers discounts such as a military discount on base, an automatic payment discount, and a good student discount. They also offer discounts for bundling multiple vehicles and policies.
Review USAA auto insurance.
5. Safeway
Safeway may offer Mississippi driver car insurance starting at $33.50 per month for a basic-coverage policy. Safeway also offers optional coverages such as vehicle repairs, medical expenses, and accidents with uninsured motorists. Local agents can help customers customize their policies.
Mississippi’s lowest-cost state-minimum auto insurance
Mississippi drivers must have a minimum 25/50/25 liability insurance policy. This coverage is the minimum required by the state and it is the most affordable.
These companies provide the lowest car insurance in Mississippi to drivers who only need state-minimum coverage.
5 lowest car insurance companies in Mississippi to provide state-minimum coverage
|
1 |
Direct General Insurance |
$20.83/month |
|
2 |
Geico |
$26.72/month |
|
3 |
Nationwide |
$31.38/month |
|
4 |
USAA |
$32.49/month |
|
5 |
Safeway |
$33.50/month |
Based upon our standard driver profile, seeking minimum coverage in Mississippi
Best car insurance for people with good credit in Mississippi
Car insurance is more affordable for those with good credit than those with bad credit.
These companies offer the best car insurance rates to drivers with good credit.
The Mississippi cheapest car insurance for people with good credit
|
1 |
Direct General Insurance |
$19.72/month |
|
2 |
Geico |
$24.97/month |
|
3 |
State Farm |
$25.57/month |
|
4 |
Nationwide |
$26.92/month |
|
5 |
USAA |
$28.30/month |
Based upon our standard driver profile, adjusted for rates for Florida drivers with a credit score greater than 720
Lowest car insurance in Mississippi for people with poor credit
Drivers with poor credit will pay more for car insurance than those with better credit. Your credit score is only one factor that can affect your car insurance rates. Your rates can be kept lower by driving safely. These companies offer the lowest rates for drivers with bad credit.
5 Best Car Insurance Companies in Mississippi For People with Poor Credit
|
1 |
Direct General Insurance |
$30.06/month |
|
2 |
Geico |
$32.22/month |
|
3 |
Safeway |
$33.50/month |
|
4 |
Nationwide |
$40.08/month |
|
5 |
Safe Auto |
$60.92/month |
Based upon our standard driver profile, adjusted for rates for Mississippi drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Mississippi
How much car insurance you purchase will also depend on your claims history. Drivers with multiple claims are more likely to pay higher premiums than those with fewer or none.
These companies offer the lowest rates for drivers who have multiple claims from insurers.
5 best car insurance companies in Mississippi to cover multiple claims
|
1 |
Direct General Insurance |
$34.50/month |
|
2 |
Geico |
$57.29/month |
|
3 |
Mississippi Farm Bureau |
$63.58/month |
|
4 |
Nationwide |
$63.63/month |
|
5 |
Safeway |
$69.67/month |
Based upon our standard driver profile, adjusted for display rates for a Mississippi driver who has two claims and not zero
Cheapest insurance for young drivers in Mississippi
Your age also has an impact on how much you pay for your car insurance. Younger drivers will pay more than those who have more experience. Your rates will decrease if you have a good driving record.
These companies offer the lowest rates for young drivers aged 18-21.
5 Best Car Insurance Companies in Mississippi For Young Drivers
|
1 |
Direct General Insurance |
$32.71/month |
|
2 |
Geico |
$41.58/month |
|
3 |
Mississippi Farm Bureau |
$58.67/month |
|
4 |
USAA |
$61.46/month |
|
5 |
Nationwide |
$62.25/month |
Based upon our standard driver profile. Adjusted to show rates for a Mississippi driver 18-21 instead 36-45
Mississippi auto insurance requirements
Mississippi’s minimum requirements for liability insurance include $25,000 for each person, $50,000 per accident for bodily injuries, and $25,000 for property damage. The state mandates that drivers carry liability insurance. However, you can satisfy the legal requirements by posting either a bond equaling the minimum liability coverage amount or making a cash/security deposit equal to these amounts.
Is there usage-based insurance in Mississippi ?
Usage-based insurance allows customers to pay premiums according to their driving habits. UBI programs may be offered by some insurance companies for Mississippi drivers.
FAQs regarding the lowest car insurance rates in Mississippi
What is the cost of car insurance in Mississippi per calendar month?
The average monthly premium for Mississippi car insurance is just below $50, but can reach nearly $100 depending on the type of coverage chosen and the driver profile.
What’s the minimum Mississippi car insurance policy?
Mississippi has a $25,000 minimum for each person, $50,000 per accident for bodily injuries, and $25,000 for property damage. If you are a borrower or leaser of a vehicle, your lender might require greater liability coverage.
Is Mississippi legal to not have car insurance?
Mississippi law requires that drivers have liability insurance. They also need to be able provide proof of insurance via a digital or paper insurance card. Technically, drivers may also be able to satisfy these legal requirements by posting a bail equal to the minimum coverage amount or by making a security or cash deposit equal to those amounts.
Methodology
Based on a profile of a driver between 36 and 45 years old living in Mississippi, the estimated rates shown in this article represent the lowest rates. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is in good condition. Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors, including vehicle driving habits and past history.
Full coverage car insurance covers bodily injury, property damages, collision, and comprehensive coverages. Mississippi’s 25/50/25 policy is included in the average monthly premium for minimum car insurance.