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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Here's what you need to know when driving in Mississippi

The average car insurance rate in Mississippi is $1,607 per year — 5% more than the U.S. average. However, car insurance rates are impacted by much more than where you live. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Mississippi car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Mississippi based on these variables, or submit your ZIP code above to receive personalized auto quotes from top insurers.

The best car insurance companies in Mississippi

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Mississippi.

1st place medal

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 890 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the South.

2nd place medal
Farm Bureau Insurance - Tennessee

As a highly-rated regional carrier, Farm Bureau Insurance scored an 883 on J.D. Power's 2021 auto study.

3rd place medal
Erie Insurance

Erie Insurance placed third in this region with a score of 874 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Mississippi drivers pay about 5% less for car insurance on average
  • The cheapest car insurance company is USAA

The cheapest car insurance companies in Mississippi

These companies offer the cheapest rates in the following scenarios.

Cheapest full coverage insurance: USAA

The cheapest rates are from USAA at $1,264 annually, or $105 per month.

medal for most affordable
Cheapest for teens: Mississippi Farm Bureau

For teen drivers in Mississippi, Mississippi Farm Bureau is the cheapest on average. 

Most affordable medal
Cheapest for DUI: State Farm

If you have a DUI on your record, check out State Farm for the cheapest average rates.

Company Avg. Annual Premium
USAA $1,264
Nationwide $1,409
State Farm $1,412
Mississippi Farm Bureau $1,633
GEICO $1,690
Progressive $2,212
Allstate $2,610

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Mississippi auto insurance laws

Car insurance is mandatory in almost every state, including Mississippi. If you choose the legal minimum coverage level in Mississippi, expect to pay an average of $555 annually. This expenditure is more expensive than the nationwide average for minimum coverage by about 3%. 

State minimum coverage

In order to drive legally in the state of Mississippi, you must carry at least the minimum liability limits listed below:

  • Bodily Injury: $25,000 per person
  • Bodily Injury: $50,000 per accident
  • Property Damage: $25,000 per accident

Optional coverage in Mississippi (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Mississippi, a comprehensive insurance policy with a $1,000 deductible costs $1,444, 166% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 197% more than you would for basic coverage.

The Zebra's guide to Mississippi car insurance laws

Learn more about car insurance requirements in the state of Mississippi with our helpful guide.

Compare car insurance rates from the best companies in Mississippi.

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Mississippi car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Mississippi.

Company Avg. Annual Premium
USAA $358
GEICO $382
State Farm $403
Nationwide $428
Mississippi Farm Bureau $541
Allstate $732
Progressive $792

Cheap auto insurance in Mississippi with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Mississippi drivers with poor credit pay 155% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $2,033
Nationwide $2,169
USAA $2,545
Mississippi Farm Bureau $2,842
Allstate $3,223
Progressive $4,008
State Farm $7,243

Cheap auto insurance in Mississippi with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to an average of $2,450 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,827
State Farm $1,846
Nationwide $2,077
Mississippi Farm Bureau $2,107
GEICO $2,544
Allstate $3,192
Progressive $3,540

Cheap auto insurance for young drivers in Mississippi

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Mississippi, teen drivers pay especially high rates: $5,258 per year — more than $3,729 more than the nationwide average and 227% more than a typical Mississippi driver.

Company Avg. Annual Premium
Mississippi Farm Bureau $3,063
USAA $3,856
Nationwide $4,117
GEICO $4,559
State Farm $4,805
Allstate $7,346
Progressive $10,788

Mississippi auto insurance rate by violation

In Mississippi, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Mississippi after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,813 0% $0
None $1,813 0% $0
Not-at-fault accident $1,922 6% $109
One comp claim $1,935 7% $122
Two Med/PIP claims $1,935 7% $122
Two comp claims $1,975 9% $162
Driving without lights $2,059 14% $246
Failure to show documents $2,080 15% $267
Failure to wear a seat belt $2,119 17% $306
Child safety restraint $2,129 17% $316
Speeding in school zone $2,187 21% $374
Driving too slowly $2,187 21% $374
Driving with expired registration $2,204 22% $391
Cell phone violation $2,204 22% $391
Speeding 6 - 10 MPH over limit $2,213 22% $399
Speeding 11 - 15 MPH over limit $2,214 22% $401
Texting while driving $2,218 22% $405
Failure to stop at a red light $2,220 22% $407
Failure to yield $2,220 22% $407
Speeding 16 - 20 MPH over limit $2,234 23% $421
Speeding 21 - 25 MPH over limit $2,246 24% $433
Improper passing $2,250 24% $437
Following too closely $2,264 25% $451
Illegal turn $2,266 25% $452
Wrong way/wrong lane $2,279 26% $466
Passing school bus $2,314 28% $501
In 65 MPH zone $2,335 29% $522
Operating a vehicle without permission $2,450 35% $637
At-fault accident - less than $1000 $2,560 41% $747
Open container $2,574 42% $761
At-fault accident - greater than $2000 $2,723 50% $910
At-fault accident - $1000-$2000 $2,723 50% $910
Reckless driving $2,748 52% $935
Driving with a suspended license $2,810 55% $997
Refusal to submit to a chemical test $3,017 66% $1,204
DUI $3,037 67% $1,224
Racing $3,044 68% $1,231
Leaving scene of an accident/hit and run $3,093 71% $1,280

Mississippi DUI laws

In Mississippi, a DUI offense can increase your annual car insurance premium to an average of $3,037. That’s 23% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

Low-cost car insurance after a DUI in Mississippi

If you're convicted of a DUI or DWI violation in Mississippi, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive major car insurance company for drivers with a DUI in Mississippi, State Farm, has rates that are 30% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Mississippi is USAA, while the priciest firm is GEICO, with prices 25% above average.

Company Avg. Annual Premium
State Farm $2,117
USAA $2,459
Nationwide $2,592
Mississippi Farm Bureau $2,690
Progressive $2,729
Allstate $3,151
GEICO $3,785

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Mississippi SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Mississippi to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Mississippi might require some research, but it could pay off in the end.


How to acquire an SR-22 in Mississippi

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.


For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.


For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Find an affordable policy in Mississippi in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the top five largest cities in the state, the cheapest car insurance is found in Hattiesburg, Mississippi, and the most expensive in Jackson, Mississippi.

Have a look at the table below to see average car insurance costs in some of Mississippi's biggest cities.

City Avg. Annual Premium
Hattiesburg $1,742
Southaven $1,801
Biloxi $1,825
Gulfport $1,855
Jackson $1,989

Car insurance price trends in Mississippi

In Mississippi, average annual auto insurance costs increased by $106 in the past year. A typical Mississippi driver pays an average of $1,607 per year.

The recent pricing trend in Mississippi leans toward slightly pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

Year Avg. Annual Premium — Mississippi Yearly Change — Mississippi Avg. Annual Premium — US Yearly Change — US
2021 $1,607 $106 $1,529 $46
2020 $1,501 -$89 $1,483 -$61
2019 $1,590 -$14 $1,544 $23
2018 $1,604 -$192 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Mississippi car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Mississippi auto insurance.

Nationwide and USAA are the cheapest options for car insurance in Mississippi, according to our data. Nationwide costs $704 for a six-month policy, whereas USAA will set you back $632.

The average driver in Mississippi pays $803 for a six-month insurance policy. This is approximately 5% more than the average driver pays in the U.S. for the same coverage.

Yes — if your vehicle is going to be on public roads, you need to be covered to at least the state-mandated liability limits.

Save money on your next car insurance policy!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.