Car Insurance in Mississippi

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.

The cheapest car insurance companies in Mississippi

These companies offer the cheapest rates in the following scenarios.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.