Cheapest Car Insurance in Mississippi (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 22, 2024
Insurance price card

Cheapest Car Insurance in Mississippi (Nov 2024)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 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 Company
Premium (monthly)
Customer
Car
Insurance Coverage
Has Full Coverage
National General $163 Blanche, 40, Meridian, MS Toyota Rav4 State Minimum Yes
Mendota $79 Lydia, 27, Hernando, MS Nissan Maxima S State Minimum No
Bluefire $180 Eula, 56, Byram, MS Nissan Murano S State Minimum Yes
Bluefire $214 Bruce, 38, Pearl, MS Kia Sorento Lx State Minimum Yes
Gainsco $491 Bradley, 19, Petal, MS Ford F-150 State Minimum Yes
Last Updated Dec, 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:
USA Underwriters InsuranceNovember 6, 20244“I haven’t had to use them, but so far they’re great!! “
-Lucas
Anchor GeneralNovember 5, 20245“I love the price of the insurance and the online is fantastic. “
-Zachary
Bristol WestNovember 3, 20245“Called around for months to find a good deal on auto insurance was able to get into contact with JERRY and they were amazing”
-Miguel
FarmersNovember 1, 20244“I just got insurance for a reasonable after years of past wrecks and they made it easy for me to sign up “
-Robert
State AutoOctober 27, 20245“Thanks Acceptance and Jerry may god bless you all and may all stay safe and have a wonderful year with safe driving.”
-Josie

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:

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.

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 Coverage
Has Full Coverage
Insurance Company
Premium (monthly)
Customer
Car
State Minimum Yes National General $163 Blanche, 40, Meridian, MS Toyota Rav4
State Minimum No Mendota $79 Lydia, 27, Hernando, MS Nissan Maxima S
State Minimum Yes Bluefire $180 Eula, 56, Byram, MS Nissan Murano S
State Minimum Yes Bluefire $214 Bruce, 38, Pearl, MS Kia Sorento Lx
State Minimum Yes Gainsco $491 Bradley, 19, Petal, MS Ford F-150
Last Updated Dec, 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 $1,203 per year. Full coverage insurance, on the other hand, costs an average of approximately $2,139 per year, or around $178 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:

  • Medical payments
  • Rental reimbursement
  • Roadside assistance
  • Uninsured motorist coverage (UM)

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.


Learn more: Types of insurance


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.

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 Type
Insurance Company
Premium (monthly)
Customer
Liability Limits
Has Full Coverage
Speeding Violation-Minor Progressive $168 Charlie, 28, Waveland, MS State Minimum Yes
Speeding 11-15 Bluefire $179 Eliza, 28, Madison, MS State Minimum Yes
Speeding Violation-Minor Mendota $305 Rodney, 25, Holly Springs, MS State Minimum Yes
Speeding Violation-Major National General $218 Sally, 27, New Albany, MS State Minimum Yes
Speeding Violation-Minor Bluefire $131 Addie, 33, Pontotoc, MS State Minimum Yes
Last Updated Dec 10, 2024

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.

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 Type
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
At Fault With No Injury Bristol West $278 Walter, 24, Jackson, MS 100/300 Yes
At Fault With No Injury National General $434 Brett, 41, Hattiesburg, MS 50/100 Yes
Not At Fault National General $328 Eleanor, 31, Hattiesburg, MS State Minimum Yes
Not At Fault Progressive $64 Eliza, 58, Purvis, MS State Minimum Yes
At Fault With Injury National General $49 Lucile, 27, Winona, MS State Minimum No
Last Updated Dec 10, 2024

FAQ

  • Is Mississippi a no-fault state?

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.

Violation
Insurance Company
Premium (monthly)
Customer
Liability Limits
Has Full Coverage
Failure to Yield National General $49 Lucile, 27, Winona, MS State Minimum No
Ticket Violation Not Listed Mendota $358 Jacob, 27, Roxie, MS State Minimum Yes
Unsafe Operation of a Motor Vehicle Progressive $60 Cynthia, 31, Jackson, MS State Minimum No
Ticket Violation Not Listed Bristol West $102 Ethan, 45, Pearl, MS State Minimum No
Ticket Violation Not Listed Progressive $74 Dylan, 45, Tillatoba, MS State Minimum No
Last Updated Dec 10, 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.

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 Range
Insurance Company
Premium (monthly)
Customer
Car
Insurance Coverage
Has Full Coverage
550-659 National General $163 Blanche, 40, Meridian, MS Toyota Rav4 State Minimum Yes
550-659 Mendota $79 Lydia, 27, Hernando, MS Nissan Maxima S State Minimum No
550-659 Bluefire $214 Bruce, 38, Pearl, MS Kia Sorento Lx State Minimum Yes
550-659 Gainsco $491 Bradley, 19, Petal, MS Ford F-150 State Minimum Yes
550-659 Progressive $60 Rachel, 31, Jackson, MS Honda Pilot Ex State Minimum No
Last Updated Dec, 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.


Learn more: The best cheap car insurance for teens


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.

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 Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Toyota Camry Progressive $80 Milton, 30, Clinton, MS State Minimum No
Toyota Camry Le Progressive $101 Edgar, 23, Moss Point, MS State Minimum No
Toyota Camry Bristol West $75 Clifford, 30, Jackson, MS State Minimum Yes
Toyota Camry Se Progressive $266 Maude, 36, Horn Lake, MS 50/100 Yes
Toyota Camry L National General $121 Vincent, 61, Hattiesburg, MS 50/100 Yes
Last Updated Dec, 2024

Learn more: How to get car insurance before buying a car


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.

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.

City
Customer
Insurance Company
Premium (monthly)
Car
Insurance Coverage
Has Full Coverage
Corinth, MS Johanna National General $76 Chevrolet Silverado C1500 Lt 50/100 Yes
Jackson, MS Walter Bristol West $278 Volvo S60 T5 100/300 Yes
Hattiesburg, MS Brett National General $434 Honda Accord Hybrid Sport 50/100 Yes
Jackson, MS Estelle Bristol West $115 Chrysler 200 Touring State Minimum No
Red Banks, MS Jesus Progressive $187 Gmc Terrain At4 100/300 Yes
Last Updated Dec 10, 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:

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

FAQ

  • What are the car insurance requirements in Mississippi?
  • Does insurance follow the car or the driver in Mississippi?
  • Do you need uninsured/underinsured motorist coverage in Mississippi?
  • What are the best car insurance companies in Mississippi?
  • Is Mississippi a “no pay, no play” state?
  • How long does an accident remain on your record in Mississippi?
  • What are the consequences of driving without insurance in Mississippi?
  • Can you register a car in Mississippi without insurance?
  • How long do you have to get insurance after buying a car in Mississippi?
MEET OUR EXPERTS
meet-experts-thumbnail
R.E. Fulton
  • Licensed Insurance Agent

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.

meet-experts-thumbnail
Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.