Car Insurance in Mississippi

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Looking for cheap car insurance in Mississippi?

Mississippi may be known for Southern hospitality, but it’s also known for particularly high car insurance rates. A lot of Mississippi drivers choose to skip the minimum coverage that’s legally required to drive in the state, which increases your risks and drives up insurance rates in general.
But location is only one of the factors that impacts your insurance premium. Whether you’re in Jackson, Biloxi, Tupelo, or anywhere in between, comparing rates between providers can help you find the best deal.
Jerry is a licensed broker that can help you compare rates and switch to a new policy in just minutes. And since Jerry monitors your rates before renewal, you’ll rest easy knowing that you’re always getting the best deal.
Want proof? Here are some amazing quotes from real Jerry customers in Mississippi:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
July 22, 2021Hyundai Sonata N LineHorn Lake43Safeco$198/mo.$65/mo.
May 24, 2021Jeep Gladiator RubiconOcean Springs28Allstate$282/mo.$67/mo.
September 6, 2021Chevrolet Silverado K2500 Heavy DutyFayette21Progressive$220/mo.$130/mo.
July 24, 2021Chevrolet Silverado C1500 LTHattiesburg27Progressive$219/mo.$153/mo.
June 10, 2021Nissan Altima SDe Kalb24Progressive$306/mo.$168/mo.
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How much does car insurance cost in Mississippi?

The average cost of basic liability car insurance in Mississippi is $1,925 per year. Opting for full-coverage car insurance in Mississippi will leave you with an average cost of $2,919 per year.

How does the annual cost in Mississippi compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Why is insurance so expensive in Mississippi? A couple of factors play large roles:
  • Mississippi has the second-highest rate of uninsured drivers in the country at almost 30%
  • The state experiences severe weather on a regular basis, leading to more comprehensive claims
Here’s how Mississippi’s insurance savings with Jerry compare to nationwide averages:
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$2,412$1,578$1,300$902$3,686$2,702
National Average$2,491$1,672$2,359$1,390$2,763$1,962
MSNational Average
All Coverage Before Jerry
$2,412$2,491
All Coverage After Jerry
$1,578$1,672
Minimum Coverage Before Jerry
$1,300$2,359
Minimum Coverage After Jerry
$902$1,390
Full Coverage Before Jerry
$3,686$2,763
Full Coverage After Jerry
$2,702$1,962
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Top auto insurance providers in Mississippi

There are dozens of insurance companies to choose from in Mississippi, including industry heavyweights like State Farm and The General.
Finding the right insurance company for you can take some time, though, since each insurer sets premiums based on a unique formula. So if you get quotes from a few different companies, you’ll end up with a few very different rates—even for comparable coverage.
Factors like your age, driving record, and location have a significant impact on your premium. Your vehicle matters, too. If your ride is a BMW 6-series, for example, you’ll pay more for full-coverage insurance than you would for a Honda Civic because expensive cars cost more to insure.
Check out some of the awesome deals that Jerry customers have found with various insurance companies in Mississippi:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$3,945$1,585Compare Prices
National General$3,254$1,171Compare Prices
Allstate$2,767$1,080Compare Prices
Nationwide$2,587$965Compare Prices
Travelers$2,252$586Compare Prices
State Auto$1,956$555Compare Prices

What car insurance do you need in Mississippi?

Most states have mandatory insurance minimums that you have to meet before hitting the road. In Mississippi, you need at least the following:
CoverageAmountDescription
Bodily injury liability$20,000 per person / $40,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$5,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$8,000Covers medical expenses, lost wages, and rehabilitation costs after an accident
Uninsured motorist coverage$20,000 per person / $40,000 per accidentReimburses you for your expenses from an accident caused by an uninsured driver
Driving without at least these minimums could get you in some serious trouble. The penalties are as follows:
  • Fine of up to $1,000
  • Driver’s license suspension for up to 1 year
  • Financial liability in the event of an accident
But even the state-mandated minimums aren’t sufficient to fully protect you and your vehicle in case of an accident. It’s usually a good idea to purchase as much insurance as you can afford, such as:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Ready to get going? Well, then get Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You’ll spend less than a minute signing up and answering a few easy questions—and then Jerry will compile customizable quotes from 50+ top insurers like Nationwide and Travelers.
The average Jerry customer saves $879 per year!
Now that you know what type of insurance you need, let’s look at what will impact the cost.

How is your cost of car insurance determined in Mississippi?

Your age, driving record, location, and vehicle all have a fairly significant impact on your final insurance premium.

Cost to insure your car in Mississippi by age

Age is a big factor in insurance rates since it speaks to your experience behind the wheel. Since young drivers are more prone to speeding, engaging in distracted driving, and getting into accidents, rates tend to be very high until the age of 25.
What young drivers in Mississippi need to know
  • Mississippi has a graduated licensing program that helps young drivers develop safe driving behaviors
  • Defensive driving courses can help young drivers lower their risk level and get cheaper insurance premiums
  • Maintaining a good average can qualify student drivers for a good student discount
But while young drivers aren’t going to find the same low rates as their parents, shopping around and maintaining a clean driving record can help reduce rates.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,256$995
21-24$2,769$936
25-34$2,755$1,028
35-44$2,574$865
45-54$2,910$1,137
55-64$2,341$952
65+$2,741$1,083

Cost to insure your car in Mississippi with a poor driving record

Insurers also look to your driving record to understand how much of a risk you are to them. Marks like accidents, speeding tickets, and serious offenses like DUIs indicate high risk—and will leave you with high Mississippi car insurance rates.
So you’re probably wondering—can you save money on car insurance if you have driving violations? You definitely can, and Jerry can help you do it.
Here are just some of the savings we found for customers with less-than-perfect driving records:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,939$1,031
Failure to Obey Traffic Sign$3,981$1,583
Speeding over 15$3,461$1,428
Speeding under 15$3,366$1,382
Driving on Sus. License$3,424$1,285
DUI$1,664$604
Careless Driving$1,953$276
Other$2,817$721
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Cost to insure your car in Mississippi based on where you live

Almost a third of the over two million licensed drivers in Mississippi don’t have any insurance—and that alone contributes to high insurance rates across the state. But there is variation between different areas, too.
Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims. So if you live in a fairly densely populated city like Jackson or Gulfport, you’ll pay more for your insurance than if you lived in a quiet rural town.
Check out the top 10 cheapest cities for car insurance in Mississippi:
City
Average Cost
Annual Savings with Jerry
Biloxi$2,351$802
Gulfport$3,122$1,052
Hattiesburg$2,576$1,035
Horn Lake$2,959$965
Jackson$3,110$1,458
Olive Branch$2,884$920
Oxford$1,833$693
Pascagoula$3,282$1,852
Southaven$2,124$922
Starkville$2,760$450
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Cost to insure your car in Mississippi based on the type of car you drive

And finally, your car plays a role in your premium. The Ford F-150 and Chevy Silverado light-duty pickup trucks are popular rides in the state—and if you drive one of them, you probably won’t have to look too hard for affordable car insurance.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And if you drive less, you’ll pay less since your accident risk is lower.
If you need to insure something a little fancier, like an Infiniti Q50 or BMW 3-series, expect higher premiums.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Buick Encore Preferred$3,562$1,879
Nissan Sentra S$3,534$1,497
Hyundai Elantra SE$2,377$1,003
Ford Taurus SES$1,656$945
Honda Civic Sport$2,700$514
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How to save money on car insurance in Mississippi

While premiums in Mississippi might already be fairly affordable, it’s always nice to find deals. Lucky for you, there are some easy ways to lower your rates even further.

Shop around for quotes

The best way to find savings on your car insurance is to comparison shop. If you’ve ever done this, you know how miserable it can be. Filling out endless forms, dodging sales calls, and trying to ensure you’re meeting the right minimum requirements.
With Jerry, you don’t have to worry about any of that.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You’ll only need to sign up and answer a few questions (which take less than a minute!) and then Jerry will get to work finding you the best deals on policies that meet your coverage needs.
Once you’re ready to switch, Jerry handles all the paperwork and phone calls so that you get all the savings with none of the usual hassles.

Look for discounts

Almost all insurance companies offer discounts. And if you qualify a few, you can probably stack them for extra savings. Here are some of the most popular discounts for drivers in Mississippi:
DiscountWho is eligible?
Good driver discountsGood driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Bundling discountsInsuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums.
Payment and billing discountsPolicyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discountsMany insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.
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Increase your deductible

Your deductible is the amount that you have to pay for a claim before your insurance company kicks in to cover costs. While increasing your deductible will decrease your premium, you’ll need to carefully consider whether it makes sense for you.
Make sure that you can afford to pay the deductible in full each time you have to make a claim—otherwise you could find yourself in a precarious financial situation.

Registering your car in Mississippi

To register a car in Mississippi, bring the following to your local DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Safety inspection certificate (if you have tinted windows)
In Mississippi, you must renew your vehicle registration annually. You can do this online or in person.

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