Mississippi’s car insurance rates are some of the highest in the country due to their high number of uninsured drivers.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Mississippi. If you want to learn more about Mississippi’s car insurance rates, then read on.
Cheapest minimum coverage car insurance in Mississippi
In Mississippi, people are required to have the following minimum coverages:
$[25,000] bodily injury liability per person
$[50,000] bodily injury liability per accident
$[25,000] property damage liability per accident
Failing to meet the required minimums while driving in Mississippi is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Mississippi:
Additional coverages you might want to consider when shopping for car insurance in Mississippi
Coverage to consider
Mississippi has a lot of uninsured drivers on the road, you may want to consider purchasing robust uninsured/underinsured motorist coverage. This will protect you from liability if an uninsured driver causes an accident.
Towing and labor coverage
Towing and labor coverage is also a good investment for people who live in rural states. If you get in trouble on a country road away from home, this policy can help cover your expenses.
Liability coverage is the only legally required car insurance policy in Mississippi. But it’s always a good idea to get more than the minimum coverage to protect you and your vehicle.
Best carriers for minimum coverage car insurance in Mississippi
If you’re caught driving without insurance in Mississippi, you could be convicted of a misdemeanor, on the hook for a $500 fine, and your driving privileges could be suspended for a year.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Mississippi:
While minimum coverage is enough to let you drive legally in Mississippi, full coverage—which includes comprehensive and collision insurance—offers stronger protection and can provide peace of mind. Look for a company that offers the protection you need and service you can rely on.
Cost to insure your car in Mississippi by age
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Mississippi, here’s what you need to know. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age, quote shopping with Jerry is a good place to start.
Cost of insurance for drivers in Mississippi with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Be aware that if you have a prior incident within the last five years, it could limit an insurance company’s ability to offer you a ‘good driver’ discount. For very serious offenses, Mississippi drivers may be looking at an even longer waiting period.
But there’s good news! Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Mississippi if you have a traffic violation on your record by using Jerry.
Types of discounts that might be available to you in Mississippi
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Mississippi. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Mississippi allows insurers to consider factors like credit score, marital status, and zip code when they set your car insurance premium.
Some of the most common car insurance discounts in Mississippi include:
Who is eligible?
Driver safety discounts
Drivers in Mississippi who have been accident-free for several years can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount.
Defensive driving discounts
Drivers can qualify for this discount in Mississippi by taking a defensive driving course. The course teaches how to avoid accidents, assess weather and traffic conditions, and drive safely. There is a mature driver (55+) discount as well as a young driver discount, and completing an approved course could reduce your premium by 5-10%.
Billing and payments
Set up automatic payments or go paperless and you could save between 2-25% on your premium. Ask your company about this discount.
Bundling your policies
Mississippi residents who get their car and home policies from the same company can enjoy a reduced premium.
If you drive a car that has safety features like daytime running lights, multiple airbags, and anti-lock brakes, you could get a safety discount between 2-30%.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Mississippi?
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Mississippi does not have a ton of metropolitan centers, but it does have one of the highest traffic fatality rates in the country.
Additionally, many drivers in Mississippi are driving while uninsured, and severe weather is becoming increasingly common. All of these factors contribute to the average or above average insurance rates in Mississippi.
But generally, areas with lower population density tend to have lower premiums, which can help bring rates down for some Mississippi drivers.
Here are the cheapest cities in Mississippi for car insurance:
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.