Car Insurance in Mississippi

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  • Here’s what Jerry customers are paying for car insurance in Mississippi.
  • How much does it car insurance cost in Mississippi?
  • How much does it car insurance cost in Mississippi?
  • How much does car insurance cost in your city?
  • How Much is Car Insurance in Mississippi?
  • Real Quotes for Jerry.ai Customers in Mississippi
  • The Cheapest Car Insurance in Mississippi
  • Most Popular Insurance Companies in Mississippi
  • Cost to Insure Different Cars in Mississippi
  • Car Insurance Laws in Mississippi
  • What Car Insurance Is Required in Mississippi?
  • Can You Drive a Car without Insurance in Mississippi?
  • What Are the Minimum Car Insurance Requirements in Mississippi?
  • Car Registration Information in Mississippi

Here’s what Jerry customers are paying for car insurance in Mississippi.

Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
April 7, 2021Chevrolet Monte Carlo LSPontotoc34Bristol WestCustom$85$44
June 14, 2020Toyota 4Runner LimitedRed Banks51NationwideCurrent$128$44
February 28, 2021BMW M235IJackson29SafecoCustom$83$48
May 3, 2021Kia Soul +Ridgeland21ProgressiveStandard$273$127
March 31, 2021Dodge Charger R/TJackson37AllstateBasic$325$230

How much does it car insurance cost in Mississippi?

All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
MS$1,935$1,243$2,379$1,554--
National Average$2,861$1,409$2,862$1,139$3,799$1,753

How much does it car insurance cost in Mississippi?

Insurance Company
Before Jerry
After Jerry
National General$2,196$720
Progressive$1,679$1,188
Allstate$3,900$2,760

How much does car insurance cost in your city?

City
Before Jerry
After Jerry
Jackson$2,672$1,912

BELOW ARE OLD CONTENT
Looking for car insurance in Mississippi? Here you’ll find all the information you need on driving a car in The Magnolia State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Jackson or Gulfport, Biloxi or Hattiesburg — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Mississippi car insurance.

How Much is Car Insurance in Mississippi?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Mississippi, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Mississippi pay ${averageAnnualPremium} each year for car insurance. This means drivers in Mississippi pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

What’s Your Rate?

But how do you know what policy is right for you in Mississippi? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Mississippi, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Mississippi

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2020-11-26
  • Toyota Camry Se
20 year old maleProgressive$108.83$63.17Basic
2021-01-27
  • Hyundai Tiburon Gt
27 year old maleState Auto$99.51$36.49Preferred
2020-12-24
  • Ford Expedition Xlt
  • Hyundai Tucson Limited
  • Ford Explorer Xlt
51 year old femaleProgressive$229.33$95.67Preferred
2021-02-18
  • Dodge Charger Srt-8
  • Dodge Charger Se
48 year old maleProgressive$51.17$443.83Basic
2021-01-23
  • Toyota Camry Se
25 year old maleNationwide$167.89$210.11Preferred

The Cheapest Car Insurance in Mississippi

Which companies offer cheap car insurance in Mississippi? Below, we’ve ranked Mississippi car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

Cheapest Car Insurance in Mississippi for Basic Coverage

There’s all kinds of auto insurance you can get in Mississippi, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Mississippi. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Mississippi, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Mississippi

Filters
RankCompany nameAvg. Annual Premium
1Progressive$959
2Nationwide$969
3Bristol West$1,009

Real Jerry Quotes for Basic Coverage in Mississippi

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2020-12-03
  • Chevrolet Impala Ls
21 year old maleProgressive$86.17$323.83
2021-02-12
  • Toyota Camry Ce
25 year old femaleProgressive$54$190
2021-02-15
  • Ford Escape Xlt
22 year old femaleProgressive$64.67$59.33
2021-02-13
  • Nissan Maxima S
20 year old maleProgressive$104.33$139.67
2021-01-25
  • Infiniti G37 Base
  • Toyota Corolla L
  • Dodge Ram 1500
  • Nissan Rogue S
60 year old maleBristol West$90.17$274.83

Average Cheapest Car Insurance for Standard Plans in Mississippi

Most drivers will want more than the basic minimum coverage that Mississippi requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Mississippi, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Mississippi

Filters
RankCompany nameAvg. Annual Premium
1Safeco$1,511
2Progressive$1,536
3Nationwide$1,618
4State Auto$1,863
5Travelers$2,232

Real Jerry Quotes for Standard Coverage in Mississippi

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2020-12-03
  • Lexus Rx 350
36 year old femaleProgressive$111.67$128.33
2021-01-21
  • Nissan Versa S
20 year old maleTravelers$269.17$110.83
2021-02-10
  • Kia Optima Lx
  • Hyundai Santa Fe Sel
45 year old femaleState Auto$113.93$86.07
2020-12-29
  • Honda Accord Exl
37 year old maleState Auto$108.09$41.91
2020-12-11
  • Ford Mustang Gt
20 year old maleTravelers$220.58$144.42

Cheapest Car Insurance in Mississippi for Preferred Coverage

Preferred coverage protects Mississippi drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Mississippi, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Mississippi

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,865
2Safeco$1,881
3Nationwide$1,933
4Travelers$2,280
5State Auto$2,286

Real Jerry Quotes for Preferred Coverage in Mississippi

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-02-10
  • Toyota Camry Le
24 year old femaleProgressive$134.33$315.67
2020-12-02
  • Toyota Rav4 Le
59 year old femaleProgressive$113$37
2021-02-17
  • Toyota Corolla Ce
  • Honda Hr-v Ex
33 year old maleProgressive$84$64.16
2020-12-23
  • Honda Civic Ex
26 year old maleState Auto$146.94$109.06
2020-11-18
  • Hyundai Accent Se
25 year old femaleProgressive$153.83$76.17
Insurance companyAverage annual premium in Mississippi
Progressive$1,107
Bristol West$1,077
Nationwide$1,542.42

Cost to Insure Different Cars in Mississippi

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Mississippi drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Mississippi. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-22
  • Dodge Challenger Mopar Edition R/t
21 year old maleProgressive$53.33$106.67Basic
2021-01-22
  • Nissan Altima S
22 year old maleNationwide$189.48$40.52Standard
2020-11-21
  • Nissan Sentra 2.0
91 year old femaleNationwide$103.74$94.26Standard
2020-11-30
  • Toyota Corolla Base
55 year old femaleProgressive$96.67$14.33Preferred
2021-01-25
  • Ford Econoline E350 Super Duty Wagon
57 year old femaleSafeco$58.69$69.31Preferred
2021-01-17
  • Nissan Versa S
36 year old maleState Auto$115.13$134.87Standard
2020-12-14
  • Ford F150 Supercrew
55 year old maleSafeco$99.99$12.01Standard

Car Insurance Laws in Mississippi

The roadways in Mississippi are some of the most dangerous in the U.S. In 2018, Mississippi led the U.S. in the number of traffic fatalities with 685 deaths, which equates to 22.9 deaths for every 100,000 residents in the state.
In the hopes of reducing the costs of car accidents on drivers, the state of Mississippi requires drivers to carry a minimum amount of insurance. Car insurance protects drivers who might get caught up in an accident caused by another driver or cause an accident themselves. For more on the minimum coverage amounts you need to legally drive in Mississippi, keep reading.

What Car Insurance Is Required in Mississippi?

As an at-fault state, Mississippi requires drivers to carry a minimum amount of liability insurance while driving a motor vehicle. This liability insurance includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL). Mississippi car insurance companies also offer a variety of other auto insurance coverage options to help protect drivers, including MedPay and uninsured/underinsured motorist coverage, as well as the usual collision and comprehensive coverage options.
BIL coverage helps pay for any medical bills that are due to an accident that you cause. In addition to paying for medical expenses, BIL also pays for any lost wages, court costs if you are sued, and pain and suffering caused in an accident, up to the policy limits.
PDL coverage helps pay for any property damage that occurs during a traffic accident that you are at-fault for. In addition to other vehicles, PDL also covers any damage to objects, such as poles or fences; or buildings damaged by your vehicle during an accident.
With Mississippi being an at-fault state, you can purchase MedPay to help pay for any medical bills caused in an accident. MedPay pays independent of who is at-fault in an accident, and even provides coverage to the driver responsible for the accident.
MedPay is similar to Personal Injury Protection (PIP), which is used in so-called no-fault states. Unlike PIP, though, MedPay does not cover lost wages. Plus, if your bodily injury and property damage costs exceed the at-fault driver’s policy limits, you can sue them in court for the remainder.
Uninsured motorist coverage is another type of insurance that car insurance companies, by law, must automatically include as a part of your policy in Mississippi. Uninsured motorist coverage pays out if the other driver is not insured. You can reject this type of coverage, but you must do so in writing when getting your policy. Underinsured motorist coverage is considered the same thing as uninsured motorist coverage in Mississippi. This is because Mississippi state law views underinsured motorist as a part of the definition of uninsured motorist.

Can You Drive a Car without Insurance in Mississippi?

Driving without the required minimum amount of insurance in Mississippi is against the law. In addition, you must be able to present proof of insurance to a law enforcement officer or at the scene of an accident you are involved in. Failure to do either of these things will result in fines and penalties.
Mississippi treats all instances of failing to have or show proof of insurance the same. Every time you’re found in violation of the law, you will have to pay a fine of $500 and have your license suspended for one year, or until proof of insurance is provided.
If you file for an SR-22 certificate and submit it to the courts before your hearing, the fine is reduced to $100. If you had insurance at the time of the violation and show this before your hearing, the fine, court costs, and driver’s license suspension will be waived.
If you have to get an SR-22 certificate, you will have to keep it on file for three years. To get your driver’s license reinstated, you will have to pay a reinstatement fee, as well as any other applicable fees.

What Are the Minimum Car Insurance Requirements in Mississippi?

Designed to protect drivers on the roads in Mississippi, the minimum liability coverage requirements are in place to protect drivers who are not at fault in an accident. This includes liability insurance that pays for costs associated with bodily injury and property damage.
To drive legally in Mississippi, you must carry the following minimum coverage amounts while using a motor vehicle.
Minimum Insurance Requirements in Mississippi
  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $25,000

Car Registration Information in Mississippi

Insuring your vehicle in Mississippi is just the first step before you can drive on the roads in the state; you must also register your vehicle. Current residents have seven working days from the time that they purchase a vehicle to register it in Mississippi. If you are a new resident, you have 30 days after moving to Mississippi to register your vehicle.
The initial registration fee to register a vehicle in Mississippi is $14. There are also additional fees and taxes based upon the type of vehicle, its value, and where you live. Renewing a tag is only $12.75, but you must pay the accompanying taxes and fees at this time as well.
When registering your vehicle for the first time in Mississippi, you will have to do so in-person at your local Mississippi Department of Revenue (DOR) office. You have a few options when renewing your vehicle’s registration, including in-person, online, or through the mail.
After registering your vehicle, you will receive a license plate for the rear of your vehicle. The license plate will also come with a decal for the bottom right corner that has the month and year that you must renew your vehicle’s registration.
When you register a vehicle in Mississippi, you will need the following documentation:
  • Mississippi driver’s license
  • Vehicle registration (if the vehicle was previously registered in another state/also contains the Vehicle Identification Number (VIN))
  • Odometer statement
  • Bill of sale (if purchased out of state)
  • Proof of car insurance
  • Current license plate (if replacing it)
  • Certificate of title (if you own the vehicle)

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