PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
The Cheapest Car Insurance for Mississippi Drivers
The Cheapest Car Insurance for Mississippi Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Mississippi.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
What's on this page?
- How to find the cheapest car insurance quotes in Mississippi
- Cheapest car insurance companies in Mississippi
- Mississippi Car Insurance Coverage Requirements
- Mississippi Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Mississippi?
- Car Insurance for High-Risk Mississippi Drivers
- Car Insurance for Mississippi Drivers With DUI
- Car Insurance for Michigan Drivers With a Coverage Lapse
- Car Insurance for Mississippi Drivers With a Low Credit Score
- Mississippi Car Insurance Cost by Age
- Mississippi Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Mississippi Insurance Cost by Zip Code
- How to lower the cost of car insurance in Mississippi
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Mississippi
With hundreds of
car insurance
companies operating in the state of Mississippi, it can be overwhelming to consider all of your coverage options. Then, there’s the fact that every insurance company calculates its rates a little differently—making car insurance insurance
quotes as uniquely customized as individual drivers. So how do you find the best cheap car insurance? Comparing quotes from multiple insurance providers is the most efficient way—and using Jerry can simplify the process even further. A trusted companion for insurance shoppers everywhere, Jerry Insurance Agency can collect quotes on your behalf, making
shopping for car insurance
easier than ever. | Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 27, 2025 | National General | $161 | Devin, 31 | Chevrolet Trailblazer LS | • 100,000/300,000 Liability • Comp / Collision |
January 21, 2025 | Nationwide | $192 | Rodney, 25 | Jeep Cherokee Latitude | • State Minimum Liability • Comp / Collision |
January 15, 2025 | Safeco | $91 | Ada, 65 | Nissan Altima SV | • State Minimum Liability • Comp / Collision |
January 14, 2025 | Progressive | $141 | Gertrude, 41 | Chevrolet Silverado C1500 LT | • 50,000/100,000 Liability • Comp / Collision |
January 10, 2025 | State Auto | $105 | Willie, 37 | Toyota Venza | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 27, 2025Cheapest car insurance companies in Mississippi
Jerry conducted an extensive insurance shopping survey to determine which company offers the lowest rates in Mississippi.
The results? There is (unfortunately) no singular “cheapest” insurance company that can offer universally low rates to everyone. For example, even though Travelers is consistently considered one of the cheapest insurers in the country, Mississippi drivers only rated it a 4/5 when it came to policy costs.
Mississippi drivers gave these insurers high ratings for their policy costs:
- Gainsco
- Nationwide
- ROOT
- Safe Auto
- The General
Explore feedback from drivers in Mississippi regarding these insurers and others:
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| AAA | January 20, 2025 | New Port Richey, FL | 5 | "Good cost, great service. " -Blanche |
| Anchor General | January 20, 2025 | Gulfport, MS | 5 | "Seems like great insurance " -Helen |
| AAA | January 19, 2025 | Jackson, MS | 5 | "Haven’t dealt with them much but they seem to be a good company " -Catherine |
| Progressive | January 16, 2025 | Vicksburg, MS | 4 | "Charge me more money and I don't have full coverage." -Belle |
| Anchor General | January 16, 2025 | Poplarville, MS | 5 | "State Auto has saved me so much money with the same coverage as my old insurance. I can't thank Jerry enough for help...(read more)" -Lillian |
Last Updated Jan 30, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Jerry's free
insurance comparison app
simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.Minimum car insurance requirements for liability and full coverage in Mississippi
In Mississippi, drivers must meet the state's
minimum car insurance requirements
in order to take to the roads. Whether or not you opt for additional coverage, however, is up to you—although a full-coverage policy can offer greater protection to both you and your vehicle.Cheapest minimum liability coverage in Mississippi
The minimum essential coverage required by all Mississippi drivers includes:
- $25,000 per person / $50,000 per accident in bodily injury liability coverage
- $25,000 per accident in property damage liability coverage
These coverages are commonly expressed more simply as 25/50/25. With Jerry's assistance, car owners in Mississippi have obtained the necessary minimum liability coverage at a lower cost:
Jeffrey (25 years old)
$192
per month
National General
Katharine (60 years old)
$201
per month
Do you need more than the minimum liability insurance coverage in Mississippi?
If you find yourself at fault in a serious accident, the state's minimum coverages may not be sufficient to cover the costs of medical expenses or property damage to other drivers.
Once your insurance limits have been reached, your provider won’t contribute further support for accident-related expenses—which means you could be stuck paying out-of-pocket to cover any remaining costs.
Moreover, basic liability insurance won’t extend any type of coverage to your own medical costs or vehicle repairs. That’s why it’s recommended to purchase higher amounts of coverage, in addition to add-on coverages like
comprehensive
and collision coverage
, to ensure adequate protection for both yourself and other drivers. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Mississippi auto insurance quotes
To safeguard yourself from expenses associated with vehicle repairs or replacements, a
full coverage car insurance
policy is the best choice.Full coverage policies typically include comprehensive and collision coverage, in addition to your state’s insurance minimums. Comprehensive coverage handles the cost of non-collision incidents—like theft or vandalism—while collision coverage takes care of repairs to your vehicle after an accident.
If you lease or finance your vehicle, your lender may even require you to carry these additional coverages before you can take possession of the car.
Although a full-coverage premium may cost more upfront, the extra peace of mind may be worth the additional cost. Jerry’s agents have assisted customers in finding the most affordable full coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Travelers | $188 | Francisco, 35 Carthage, MS | KIA Optima LX |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $156 | Fred, 70 Nesbit, MS | Lincoln MKX |
• State Minimum Liability • Comp / Collision | Safeco | $229 | Jim, 26 Baldwyn, MS | Ford Expedition XLT |
• State Minimum Liability • Comp / Collision | National General | $201 | Katharine, 60 | Chevrolet Colorado LT |
• 50,000/100,000 Liability • Comp / Collision | Clearcover | $328 | Cornelia, 29 | Jeep Cherokee Trailhawk |
Last Updated Jan 28, 2025Average rates for minimum liability coverage and full coverage car insurance in Mississippi
Jerry's experience with Mississippi policyholders shows that the average cost of minimum liability insurance is around $99 per month, or $1,186 per year. Full coverage insurance, on the other hand, costs an average of approximately $3,334 per year, or around $278 per month.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $122 | $1,466 |
Full coverage | $150 | $1,803 |
While averages can offer a general estimation of your personal insurance costs, keep in mind that each driver's premium is calculated based on individual factors such as demographics, driving history, eligibility for discounts, and other variables.
Mississippi car insurance: Additional coverages
Drivers have the option to enhance their vehicle's protection by purchasing additional coverages for an extra premium. Some popular add-ons in Mississippi include:
Gap coverage provides financial protection by covering the "gap" between your remaining loan balance and the actual cash value of your vehicle in the event of theft or a total loss.
Alternatively, if you frequently borrow or rent vehicles that are not your own, a
non-owner car insurance
policy may be a better choice. This type of policy provides you with liability coverage regardless of the vehicle you are driving. How Do Different Factors Impact Your Car Insurance Costs in Mississippi?
How Do Different Factors Impact Your Car Insurance Costs in Mississippi?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Mississippi currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Mississippi:
Cheapest Mississippi car Insurance after a driving violation
Your
Mississippi driving record
is one of the biggest rating factors that can influence your car insurance costs. If insurance companies find a record of violations, they consider you a higher risk to insure—which can mean increased insurance costs.Cheapest car insurance for Mississippi drivers with a speeding ticket
Even a minor speeding violation can lead to increased rates, while multiple infractions can cause your insurance costs to skyrocket. In Mississippi, your premium can increase as much as 23% following one speeding ticket.
Jerry has helped Mississippi drivers with speeding tickets lower their insurance costs:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Bristol West | $142 | Paul, 40 Houston, MS | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Progressive | $76 | Linnie, 31 Meadville, MS | • State Minimum Liability |
Speeding 11-15 | Progressive | $185 | Ida, 44 Hermanville, MS | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Safeco | $198 | Juan, 23 Monticello, MS | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 26, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Got a decent rate for my Tesla Model S from travelers
Kishore
Super great, literally the cheapest insurance I've ever had in my entire life.
Tyler
The service was wonderful from both progressive and Jerry!! 10/10 highly recommend
Tamaira
Cheap good insurance.
Anton
How to find cheap Mississippi auto insurance after a DUI
The consequences of a
Mississippi DUI
conviction can extend beyond legal penalties, affecting your ability to obtain affordable car insurance coverage. If you have a DUI offense on your record, you may find that rates vary significantly between auto insurance companies—which is why comparing quotes is a necessity. Through Jerry's expertise and extensive network of insurance providers, many Mississippi drivers have been able to secure affordable auto insurance rates even after a DUI offense.
Ricky (26 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Foxworth, MS$231
per month
National General
Estelle (52 years old)
$232
per month
Mississippi SR-22 insurance
If you are found guilty of a major offense, like a DUI, you may be required to complete an SR-22 filing. An
SR-22 form
is a certification provided by insurance companies to confirm that you carry the minimum liability coverage mandated by the state.Cheapest Mississippi auto Insurance after an at-fault accident
Similar to your driving record, your accident history can have a substantial impact on your car insurance costs.
Insurance companies will consider your history of at-fault accidents to gauge your level of risk—and recent at-fault incidents can lead to significant rate hikes.
Take a look at car insurance rates for Mississippi driver after car accidents:
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Nationwide | $120 | Chad, 23 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $268 | Paul, 67 Holly Springs, MS | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Allstate | $257 | Cole, 23 Summit, MS | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $158 | Timothy, 38 | • State Minimum Liability • Comp / Collision |
At Fault With Injury | National General | $193 | Duane, 30 Sumrall, MS | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025FAQs
Is Mississippi a no-fault state?
No, according to
Mississippi’s car insurance laws
, Mississippi is an at-fault state. That means that the person who causes an accident is responsible for the costs of all involved parties.Cheapest auto insurance after other violations in Mississippi
In addition to speeding tickets and DUIs, different types of driving violations that can lead to higher car insurance expenses in Mississippi.
Jerry has assisted drivers in reducing their car insurance costs after various driving violations.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $96 | Minerva, 47 | Chevrolet Equinox LTZ | • State Minimum Liability |
Defective Equipment | National General | $215 | Lilly, 26 Walnut Grove, MS | Mazda 3 | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Safeco | $175 | Warren, 30 Amory, MS | Hyundai Tucson SE | • State Minimum Liability • Comp / Collision |
DUI | Gainsco | $99 | Samuel, 62 | Lexus LS 460L | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Allstate | $203 | Anthony, 23 | Honda Civic LX | • State Minimum Liability • Comp / Collision |
Improper Passing | Bristol West | $95 | Ada, 63 | Lexus ES 300 | • State Minimum Liability |
Speeding 16-20 | Nationwide | $158 | Chris, 38 | Chevrolet Impala LT | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | State Auto | $310 | Minnie, 40 | Chevrolet Equinox LS | • 50,000/100,000 Liability • Comp / Collision |
Suspension | Gainsco | $104 | Miguel, 55 Holly Springs, MS | Dodge RAM 1500 ST | • State Minimum Liability |
Driving Left of Center | Allstate | $234 | Delia, 41 | Lexus GX 460 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest Mississippi auto insurance based on insurance history
A history of claims can mark you as high-risk to insurance providers—and so can your insurance history.
How long you have been insured and whether or not you’ve had any
lapses in coverage
are both important indicators to insurance companies about the type of customer you’re likely to be. That’s why drivers with a limited insurance history or a past lapse in coverage usually face higher costs for car insurance. At Jerry, we recognize the importance of timely insurance payments and the necessity of avoiding coverage gaps. That's why we offer payment reminders to eligible customers, ensuring you stay on top of your insurance responsibilities and maintain uninterrupted coverage.
We have assisted many customers without current insurance or with past coverage lapses to find savings on a new policy.
Leo (43 years old)
$64
per month
Safeco
Timothy (34 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
$100
per month
Jeanette (39 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$166
per month
Lizzie (28 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$101
per month
Clearcover
Alta (27 years old)
$146
per month
Bristol West
Chris (35 years old)
$75
per month
Cheapest car insurance for drivers with poor credit
Bad credit doesn’t necessarily make you a bad driver—but you could still wind up with higher insurance rates as a result. That’s because insurers have observed a correlation between poor credit scores and more frequent claim filing.
As a result, having a lower credit score can equate to higher annual premiums. Our data indicate that drivers with poor credit scores (below 550) generally experience car insurance rates that are approximately 20% higher than those with credit scores above 750.
Check out car insurance rates for drivers with different credit scores:
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $272 | Leo, 22 | KIA K5 LX | • State Minimum Liability • Comp / Collision |
660 - 750 | State Auto | $90 | Helena, 49 Magee, MS | Dodge Dart SXT | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Travelers | $134 | Isabelle, 36 | Toyota Venza | • 100,000/300,000 Liability • Comp / Collision |
< 550 | National General | $196 | Cody, 33 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025Cheapest Mississippi car insurance by age
Teen drivers in Mississippi pay more than any other age group in the state for car insurance coverage, although drivers over the age of 60 may also notice their rates going up.
Cheapest Mississippi car insurance for young drivers
Insurance rates for new drivers
are some of the highest in Misssissippi and across the nation, due to limited driving history and heightened risk of collisions. You may notice rates are lower while a teen still has their
Mississippi learner’s permit
—this reflects the fact that new drivers are operating a vehicle under supervision while they have their permit. Still, new drivers’ rates will go up once they’re permitted to drive unsupervised. The good news is that these steep rates tend to drop off as drivers reach the age of 25.
For drivers new to the road, a full coverage policy is the safest way to send them off. Jerry can assist teenage drivers in finding the cheapest option for full-coverage policies.
Travelers
Rosalie (24 years old)
$234
per month
Safeco
Lela (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$198
per month
Della (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$120
per month
Bristol West
Augusta (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Magnolia, MS$373
per month
Cheapest Mississippi car insurance for senior drivers
Just like teenage drivers, senior drivers are also perceived as a higher risk by insurance agencies.
This is because senior drivers are more prone to car accidents compared to other age groups, and those accidents often result in more severe injuries and higher medical expenses. As a result,
insurance for senior drivers
tends to be higher than the national average.Luella (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Holly Springs, MS$268
per month
Bristol West
Charlotte (66 years old)
$91
per month
National General
Anthony (70 years old)
$137
per month
Mendota
Donald (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Sallis, MS$160
per month
How to find car insurance discounts in Mississippi for your motor vehicle
Your vehicle's make and model can impact your car insurance premium. While insurance companies don’t actually care about the color of your car, they do consider factors such as associated repair costs, the risk of theft, and the overall safety record of the vehicle when determining your rates.
Some of the most popular car models among Mississippi drivers include:
- Ford F-Series
- Chevrolet Silverado
- Ram 1500
- Toyota Camry
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $72 | Willie, 22 Lake Cormorant, MS | • State Minimum Liability |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
New vehicles tend to carry higher insurance costs compared to used or older models.
Lou (26 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Heidelberg, MS$101
per month
Safeco
Lewis (39 years old)
2002 Dodge RAM 1500
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Guntown, MS$96
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
Very good prices! Compared to almost every other company they definitely were the cheapest and offered the same things
Matty
Amazing affordable insurance
Farrah
We were able to cut our auto insurance bill in half with Progressive without losing ANY of our coverage!
Amilie
How to find cheap car insurance in Mississippi in your city
Your location also impacts your insurance premiums. Insurers often take into account factors like population density, accident rates, crime statistics, and even the climate where you live.
These variables can cause insurance costs to differ significantly among cities and even between zip codes.
Here's a rundown of car insurance rates for drivers in different Mississippi cities:
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Gulfport, MS | Ricardo, 37 | Travelers | $134 | Toyota Venza | • 100,000/300,000 Liability • Comp / Collision |
| Gulfport, MS | Jeffrey, 25 | Nationwide | $192 | Jeep Cherokee Latitude | • State Minimum Liability • Comp / Collision |
| Gulfport, MS | Herman, 54 | Safeco | $159 | Chevrolet Silverado K1500 LT Trail Boss | • 100,000/300,000 Liability • Comp / Collision |
| Southaven, MS | Paul, 52 | Bristol West | $102 | Hyundai Sonata GLS | • State Minimum Liability • Comp / Collision |
| Laurel, MS | Nelle, 29 | National General | $322 | Nissan Versa S | • State Minimum Liability • Comp / Collision |
| Grenada, MS | Douglas, 61 | State Auto | $127 | Volkswagen Passat SE | • State Minimum Liability • Comp / Collision |
| Pontotoc, MS | Winifred, 27 | Clearcover | $146 | Toyota RAV4 LE | • State Minimum Liability • Comp / Collision |
| Gautier, MS | Alex, 58 | Gainsco | $237 | Hyundai Elantra Blue | • State Minimum Liability • Comp / Collision |
| Gulfport, MS | Katharine, 60 | National General | $201 | Chevrolet Colorado LT | • State Minimum Liability • Comp / Collision |
| Pascagoula, MS | Georgia, 41 | First Acceptance | $104 | Dodge Journey SE | • State Minimum Liability |
| Jackson, MS | Mabel, 31 | Dairyland | $81 | Chevrolet Sonic LT | • 30,000/60,000 Liability |
| Meridian, MS | Brett, 34 | Assurance America | $164 | Chevrolet Impala 1LT | • State Minimum Liability |
Last Updated Jan 30, 2025How to lower the cost of car insurance in Mississippi
Lowering your car insurance costs in Mississippi doesn’t have to be hard. Jerry’s insurance experts recommend the following tips to find insurance savings:
- Compare car insurance quotes from at least three to five different companies
- Bundle your auto insurance with other types of coverage (like yourhomeowner’s insurance) to receive a discounted rate
- Work on improving/maintaining a good credit score (650+)
- Choose the maximum deductible that fits within your budget
- Ask your insurance provider about your eligibility for car insurance discounts
- Enroll in a defensive driving course
- Consider dropping collision and comprehensive coverage on older or rarely driven vehicles
Why is car insurance so expensive in Mississippi?
Compared to other states, Mississippi sees the highest number of uninsured drivers on its roads. This contributes to higher insurance costs across the state—but it’s not the only reason premiums can get pricey.
Other reasons car insurance in Mississippi is so expensive include:
- Expensive healthcare costs
- Increased auto repair costs
- Rate of car theft
- Risky weather conditions
FAQs
What are the car insurance requirements in Mississippi?
The Mississippi Insurance Department states that all drivers must carry the state’s minimum liability coverage, which includes $25,000 per person in bodily injury liability coverage, $50,000 per accident in bodily injury liability coverage, and $25,000 per accident in property damage liability coverage. This amount of coverage is often expressed as 25/50/25.
As a driver in Mississippi, the easiest way to satisfy these requirements is by purchasing an insurance policy that meets or exceeds the mandated coverage limits.
But, technically speaking, that’s not your only option. Drivers may also satisfy the state’s insurance requirements by either securing a bond that meets the same specified amounts for bodily injury and property damage coverage, or by depositing an equivalent amount in cash or security to meet the minimum requirements.
Does insurance follow the car or the driver in Mississippi?
Generally, a standard
car insurance policy will follow the car
—that’s why you have to provide the VIN when you purchase insurance. However, if you don’t own a vehicle, you can purchase a non-owner policy to supplement any insurance on a car that you borrow.Do you need uninsured/underinsured motorist coverage in Mississippi?
Mississippi’s insurance minimums do not include set amounts of uninsured or underinsured motorist coverage (UM/UIM coverage). But it’s always a good idea to invest in this type of insurance, which can offer financial protection if you’re in an accident with another driver who lacks insurance coverage. In Mississippi, nearly 30% of drivers on the road are uninsured or underinsured—the highest percentage of any state in the country.
What are the best car insurance companies in Mississippi?
Companies like Progressive, GEICO, and USAA are widely regarded as offering the cheapest rates in Mississippi. When it comes to finding cheap auto insurance, however, it’s important to do your research—every insurer calculates their rates a little differently, which is why comparing quotes from multiple providers is the only way to ensure you’re paying the absolute lowest price for coverage.
Is Mississippi a “no pay, no play” state?
No. Mississippi is an at-fault or “tort” state, which means drivers found at fault in a car accident (along with their insurance companies) are liable for covering the cost of damages to injured parties. Unlike Mississippi,
no-fault states
(sometimes called “no pay, no play” states) require individual drivers to defer to their own insurance providers for compensation following an accident, regardless of fault. How long does an accident remain on your record in Mississippi?
An at-fault accident could remain on your Mississippi driving record for as long as five years. During that time, insurance providers may charge elevated premiums to provide you with coverage.
The consequences of an at-fault accident in Mississippi highlight the importance of safe driving habits. Not only does a clean driving record result in lower insurance rates, but many insurance providers offer discounts to good drivers that maintain a clean record.
If you find your rates have increased following an at-fault accident, you may still qualify for other discounts that can help you bring down your cost of car insurance. Some insurers, for example, offer discounts to drivers who participate in an approved defensive driving course.
What are the consequences of driving without insurance in Mississippi?
In Mississippi, driving without car insurance coverage is a misdemeanor offense. If you’re pulled over by law enforcement and fail to provide proof of insurance, you could face financial penalties upwards of $1,000 and the possibility of your driver's license being suspended.
Can you register a car in Mississippi without insurance?
Yes. Unlike other states, which typically require proof of insurance coverage to register your vehicle, Mississippi does not need you to purchase insurance coverage to register your car.
How long do you have to get insurance after buying a car in Mississippi?
After purchasing a new or used vehicle, drivers typically have 30 days or approximately one month to register the car and purchase the state’s minimum liability insurance.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.