Key Takeaway
- Bluefire, Mendota and Progressive offer some of the cheapest car insurance in Mississippi.
- The average cost of minimum coverage in Mississippi is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Mississippi.
If you need cheap car insurance in Mississippi, consider companies like Bluefire, Mendota and Progressive. These insurers are regularly among the cheapest options in the state, according to real quotes for Jerry customers.
Here are more affordable providers in Mississippi, including for minimum and full coverage across different ages, driving histories and credit scores.
Cheap liability car insurance in Mississippi
Below are the cheapest auto insurers in Mississippi for minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $50 | $601 |
| Bluefire | $68 | $813 |
| Mendota | $81 | $969 |
| National General | $83 | $996 |
| Progressive | $89 | $1,068 |
| First Acceptance | $92 | $1,099 |
| Gainsco | $93 | $1,122 |
| Bristol West | $104 | $1,246 |
| Trexis | $112 | $1,344 |
| Clearcover | $158 | $1,902 |
Minimum car insurance requirements in Mississippi
Drivers in Mississippi must carry these minimum car insurance coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
More: Cheapest car insurance in Jackson, Mississippi
Cheap full coverage car insurance in Mississippi
Here are the most affordable insurers in Mississippi for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $158 | $1,896 |
| Bluefire | $174 | $2,086 |
| Progressive | $189 | $2,264 |
| Safeco | $197 | $2,369 |
| First Acceptance | $213 | $2,554 |
| National General | $223 | $2,672 |
| Gainsco | $239 | $2,863 |
| Mendota | $243 | $2,914 |
| Assurance America | $268 | $3,216 |
| Bristol West | $301 | $3,607 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Mississippi
Below are the average costs of car insurance in Mississippi for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $349 | $4,189 |
| 21-24 | $233 | $2,797 |
Cheap liability car insurance in Mississippi for a 20-year-old
These are the cheapest car insurance companies in Mississippi for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mendota | $124 | $1,494 |
| Trexis | $132 | $1,585 |
| National General | $142 | $1,704 |
| Progressive | $185 | $2,217 |
| First Acceptance | $187 | $2,239 |
Cheap full coverage in Mississippi for a 20-year-old
These are the cheapest car insurance companies in Mississippi for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $323 | $3,882 |
| Progressive | $395 | $4,734 |
| Gainsco | $413 | $4,960 |
| Bristol West | $437 | $5,248 |
| Trexis | $441 | $5,287 |
Average auto insurance costs for mature drivers in Mississippi (25-54)
Below are the average costs of car insurance for drivers in Mississippi between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $175 | $2,096 |
| 35-44 | $165 | $1,975 |
| 45-54 | $147 | $1,760 |
Cheapest liability car insurance in Mississippi for a 35-year-old
These are the cheapest car insurance companies in Mississippi for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mendota | $55 | $664 |
| Progressive | $78 | $931 |
| First Acceptance | $84 | $1,012 |
| Bluefire | $90 | $1,084 |
| National General | $92 | $1,103 |
Cheapest full coverage in Mississippi for a 35-year-old
Here are the most affordable insurers in Mississippi for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $189 | $2,273 |
| Progressive | $209 | $2,507 |
| Mendota | $212 | $2,539 |
| National General | $241 | $2,887 |
| Gainsco | $244 | $2,932 |
Average car insurance costs for older drivers in Mississippi (55+)
Below are the average costs of car insurance for drivers in Mississippi aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $127 | $1,528 |
| 65+ | $140 | $1,681 |
Cheapest liability car insurance in Mississippi for a 65-year-old
Here are the most affordable insurers in Mississippi for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $42 | $502 |
| Gainsco | $46 | $549 |
| Trexis | $52 | $620 |
| Bluefire | $58 | $699 |
| Bristol West | $64 | $771 |
Cheapest full coverage in Mississippi for a 65-year-old
These are the cheapest car insurance companies in Mississippi for 65-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $111 | $1,335 |
| Safeco | $131 | $1,569 |
| Mendota | $149 | $1,784 |
| Progressive | $156 | $1,869 |
| National General | $201 | $2,415 |
Cheapest car insurance in Mississippi by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Mississippi
These are the cheapest car insurance companies in Mississippi for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $90 | $1,079 |
| Safeco | $90 | $1,085 |
| Bluefire | $132 | $1,588 |
| Progressive | $138 | $1,653 |
| Gainsco | $149 | $1,787 |
Cheapest car insurance with a speeding ticket in Mississippi
Here are the most affordable insurers in Mississippi for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $103 | $1,237 |
| Progressive | $136 | $1,627 |
| Bluefire | $141 | $1,691 |
| Gainsco | $165 | $1,985 |
| Safeco | $167 | $1,999 |
Cheapest car insurance after an at-fault accident with no injury in Mississippi
These are the cheapest car insurance companies in Mississippi for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $100 | $1,200 |
| First Acceptance | $102 | $1,225 |
| Safeco | $116 | $1,391 |
| Dairyland | $137 | $1,640 |
| Bluefire | $144 | $1,734 |
Cheapest auto insurance after an at-fault accident with injury in Mississippi
Below are the cheapest auto insurers in Mississippi for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $77 | $918 |
| First Acceptance | $91 | $1,094 |
| Mendota | $116 | $1,389 |
| National General | $146 | $1,758 |
| Bluefire | $203 | $2,430 |
Cheapest car insurance with a DUI in Mississippi
Here are the most affordable insurers in Mississippi for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $109 | $1,306 |
| National General | $127 | $1,519 |
| Bluefire | $142 | $1,703 |
| Gainsco | $220 | $2,639 |
| Mendota | $223 | $2,672 |
Average auto insurance costs for Mississippi drivers with other violations
Below are average car insurance costs in Mississippi for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $158 | $1,895 |
| Cell Phone | $295 | $3,545 |
| Defective Equipment | $74 | $887 |
| Driving on Sus. License | $123 | $1,471 |
| Failure to Obey Traffic Sign | $120 | $1,441 |
Cheapest auto insurance for low credit scores in Mississippi
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Mississippi use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Mississippi for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $82 | $986 |
| First Acceptance | $93 | $1,121 |
| The General | $123 | $1,474 |
| Bluefire | $125 | $1,498 |
| Progressive | $150 | $1,801 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Mississippi
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Mississippi
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
