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Cheapest Car Insurance in Mississippi (May 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Mississippi.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Safeco
$116
Lincoln MKX
• State Minimum Liability
• Comp / Collision
Nationwide
$167
Chevrolet Silverado K2500 Heavy Duty LTZ
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$145
Nissan Rogue Select S
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$61
KIA Forte EX
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$158
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 24, 2024

Cheapest 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 companyDateCost rating (out of 5)What our customer said:
Travelers
May 25, 2024
4
"I just got insurance for a reasonable after years of past wrecks and they made it easy for me to sign up "
-Erik
AAA
May 24, 2024
3
"It's good but asking lot questions "
-Owen
Travelers
May 19, 2024
5
"Overall pretty good like the option to pay 6 months with a discount and the renewal pieces is easy. Happy with custom...(read more)"
-Nora
Bristol West
May 18, 2024
3
"My insurance hasn’t gone up much however we switched thinking it would make a significant different in the amount we ...(read more)"
-Helena
State Auto
May 15, 2024
5
"I have had a great experience so far with this company. They are helpful, responsive, and the price is fair."
-Nellie
coverageLast Updated May 25, 2024
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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:
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Lucas (43 years old)
coverageCoverage
State Minimum
locationPheba, MS
carNissan Murano S
$64
per month
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Annie (63 years old)
coverageCoverage
State Minimum
$116
per month
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Sallie (41 years old)
coverageCoverage
State Minimum
$108
per month
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George (38 years old)
coverageCoverage
State Minimum
carChevrolet Malibu Limited LS
$118
per month
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Travis (35 years old)
$64
per month
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Gainsco
Alex (66 years old)
coverageCoverage
State Minimum
$158
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. 
Lower my car insurance too!

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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$188
KIA Optima LX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$91
Toyota Tacoma Double Cab
• State Minimum Liability
• Comp / Collision
Bristol West
$190
Nissan Altima 3.5SE
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$61
KIA Forte EX
• State Minimum Liability
• Comp / Collision
Gainsco
$158
Hyundai Sonata SE
coverageLast Updated May 28, 2024

Average 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 $100 per month, or $1,199 per year. Full coverage insurance, on the other hand, costs an average of approximately $2,165 per year, or around $180 per month.
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:
If the vehicle you drive is leased or financed, you should purchase
gap coverage
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. 

Car insurance premium by rating factors

Car insurance companies consider a number of rating factors when determining your insurance premium. Rating factors are based on risk-related characteristics and can include: 
  • Your driving record / claims history: Drivers with a history of accidents or violations often face higher premiums.
  • Your demographics: Age, gender, and marital status can impact the cost of your insurance.
  • Your location: City dwellers often face higher premiums due to elevated crime rates and higher population density.
  • Your mileage: A higher annual mileage can lead to increased insurance costs.
  • The make / model of your car: Luxury and high-performance vehicles typically have higher rates for collision and comprehensive coverage.
  • Your credit score: Good credit scores are typically associated with lower insurance rates, even for identical coverage. 

How Do Different Factors Impact Your Car Insurance Costs in Mississippi?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Bristol West
$142
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Progressive
$76
• State Minimum Liability
Speeding 11-15
Allstate
$105
• 30,000/85,000 Liability
Speeding 16-20
Nationwide
$158
• State Minimum Liability
• Comp / Collision
Speeding 21+
Gainsco
$216
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 22, 2024

Over 3,500,000 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:
Travelers
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Gainsco
Super great, literally the cheapest insurance I've ever had in my entire life.
Tyler
Progressive
The service was wonderful from both progressive and Jerry!! 10/10 highly recommend
Tamaira
Allstate
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.
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Harriett (25 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFoxworth, MS
$231
per month
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Lena (48 years old)
DUI
coverageCoverage
State Minimum
carFord F150
$78
per month
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Gainsco
Cordelia (62 years old)
DUI
coverageCoverage
State Minimum
carLexus LS 460L
$99
per month
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Clearcover
Frances (51 years old)
DUI
coverageCoverage
State Minimum
carMercury Grand Marquis LS
$220
per month
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Cynthia (26 years old)
DUI
coverageCoverage
State Minimum
locationSteens, MS
carRAM 1500 ST
$183
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.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Nationwide
$120
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$268
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Nationwide
$192
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$199
• State Minimum Liability
• Comp / Collision
At Fault With Injury
National General
$193
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 25, 2024

FAQs

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.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$96
Chevrolet Equinox LTZ
• State Minimum Liability
Defective Equipment
National General
$215
Mazda 3
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Safeco
$175
Hyundai Tucson SE
• State Minimum Liability
• Comp / Collision
DUI
Clearcover
$220
Mercury Grand Marquis LS
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Allstate
$203
Honda Civic LX
• State Minimum Liability
• Comp / Collision
Improper Passing
Gainsco
$61
Lexus ES 300
• State Minimum Liability
Speeding 16-20
Nationwide
$158
Chevrolet Impala LT
• State Minimum Liability
• Comp / Collision
Speeding Violation-Minor
Safeco
$176
Hyundai Genesis Coupe 2.0T
• State Minimum Liability
• Comp / Collision
Suspension
Progressive
$135
Dodge RAM 1500 ST
• State Minimum Liability
• Comp / Collision
Driving Left of Center
Allstate
$234
Lexus GX 460
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 28, 2024

Cheapest 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.
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Victoria (43 years old)
Currently Insured
coverageCoverage
State Minimum
locationPheba, MS
carNissan Murano S
$64
per month
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Ronnie (34 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$100
per month
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Eliza (69 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNesbit, MS
$156
per month
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Aiden (44 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Silverado K2500 Heavy Duty LTZ
$143
per month
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Ethel (32 years old)
Currently Insured
coverageCoverage
State Minimum
carToyota Corolla
$166
per month
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Gainsco
Henry (35 years old)
Not Currently Insured
coverageCoverage
State Minimum
$140
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.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$272
KIA K5 LX
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$415
Ford Mustang GT
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Travelers
$134
Toyota Venza
• 100,000/300,000 Liability
• Comp / Collision
< 550
National General
$196
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024

Cheapest 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.
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Andre (21 years old)
coverageCoverage
State Minimum
locationMorton, MS
$63
per month
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Nina (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carAudi A4 Ultra Premium
$156
per month
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Brandon (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$120
per month
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Cecilia (22 years old)
coverageCoverage
State Minimum
$317
per month
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Cora (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLake, MS
carLexus IS 200T
$234
per month
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Kate (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$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.
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Dylan (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord F150 Supercrew
$268
per month
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Ollie (77 years old)
coverageCoverage
State Minimum
carInfiniti Q50 Pure
$103
per month
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Carolyn (66 years old)
coverageCoverage
State Minimum
locationCarriere, MS
$157
per month
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Marcus (70 years old)
coverageCoverage
State Minimum
carChevrolet Silverado K1500 LT
$102
per month
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Gainsco
Cornelia (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSallis, MS
$111
per month
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Bertha (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNesbit, MS
$137
per month

Over 3,500,000 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:
AAA
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
Gainsco
Very good prices! Compared to almost every other company they definitely were the cheapest and offered the same things
Matty
National General
Amazing affordable insurance
Farrah
Progressive
We were able to cut our auto insurance bill in half with Progressive without losing ANY of our coverage!
Amilie

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 CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Chevrolet Silverado K2500 Heavy Duty LTZTravelers
$143
• 50,000/100,000 Liability
• Comp / Collision
RAM 1500 STSafeco
$151
• State Minimum Liability
• Comp / Collision
Toyota Camry HybridProgressive
$148
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024

Is 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.
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Rena (26 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$101
per month
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Viola (38 years old)
2004 GMC Yukon Denali
coverageCoverage
State Minimum
locationCharleston, MS
$121
per month
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Leo (54 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPass Christian, MS
$85
per month
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Ivan (46 years old)
coverageCoverage
State Minimum
$76
per month
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Hunter (35 years old)
$75
per month
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Blake (27 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
$74
per month

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.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Iuka, MS
Tommy, 32
Progressive
$72
GMC Envoy
• State Minimum Liability
Gulfport, MS
George, 38
Nationwide
$118
Chevrolet Malibu Limited LS
• State Minimum Liability
• Comp / Collision
Carthage, MS
Annie, 63
Safeco
$116
Lincoln MKX
• State Minimum Liability
• Comp / Collision
Greenville, MS
Isabelle, 36
Travelers
$145
Nissan Rogue Select S
• 100,000/300,000 Liability
• Comp / Collision
Southaven, MS
Jeff, 35
Bristol West
$75
Chevrolet Silverado K1500
• State Minimum Liability
Grenada, MS
Gavin, 60
State Auto
$127
Volkswagen Passat SE
• State Minimum Liability
• Comp / Collision
Pontotoc, MS
Susan, 27
Clearcover
$146
Toyota RAV4 LE
• State Minimum Liability
• Comp / Collision
Horn Lake, MS
Alex, 66
Gainsco
$158
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Jackson, MS
Carolyn, 34
First Acceptance
$86
Nissan Murano S
• State Minimum Liability
Gulfport, MS
Georgia, 31
Dairyland
$110
Chevrolet Impala Limited LS
• State Minimum Liability
coverageLast Updated May 28, 2024

How 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: 
  1. Compare car insurance quotes from at least three to five different companies
  2. Bundle your auto insurance with other types of coverage (like your
    homeowner’s insurance
    ) to receive a discounted rate
  3. Work on improving/maintaining a good credit score (650+)
  4. Choose the maximum deductible that fits within your budget
  5. Ask your insurance provider about your eligibility for car insurance discounts
  6. Enroll in a defensive driving course
  7. 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

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.
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.
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.
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.
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.
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.
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.
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.
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

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
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.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
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 the AllCar™ app’s 10x growth in its first year of operation. 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. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including 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.