Best Car Insurance in Mississippi for 2025 [Top 10 Companies in MS]

Farmers, Allstate, and Progressive offer the best car insurance in Mississippi. These MS car insurers are known for their competitive rates starting as low as $20/mo, reliable claim resolution, and multi‑policy discounts. Learn more about Mississippi’s 25/50/25 liability requirements below.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: May 29, 2025

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Best in Mississippi: Farmers
4.3

Table of Contents

Company Facts

Full Coverage in Mississippi

$145/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

  • Specialized add-ons like roadside assistance and loss of use protection
  • High NAIC rating with fewer-than-average complaints
  • Discounts for safe drivers and bundling policies
  • User-friendly mobile app for claims
  • Wide range of coverage options
  • Higher rates for teen drivers
  • Not available in every state
  • Lower customer satisfaction rating from BBB
  • Limited availability of discounts depending on state
2nd Best in MS: Allstate
3.8

Company Facts

Full Coverage in Mississippi

$147/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

  • Multiple add-on coverages
  • Strong financial stability
  • Widespread availability
  • High number of customer complaints
  • Expensive car insurance rates
3rd Best in MS: Progressive
4.4

Company Facts

Full Coverage in Mississippi

$120/mo

A.M. Best Rating

A+

Complaint Level

Med

Pros & Cons

  • Affordable Rates for Most Drivers
  • Robust Digital Tools
  • UBI Program Snapshot
  • Generous Discounts
  • Low Customer Loyalty
  • Unexpected Rate Increases
  • Snapshot Can Increase Rates

Farmers, Allstate, and Progressive provide the best car insurance in Mississippi. They are recognized for offering reliable coverage plans tailored to both residents and visitors.

Best Car Insurance in Mississippi: Farmers, Allstate, and Progressive

These best car insurance companies are known for their comprehensive storm damage coverage and competitive rates for high-risk weather zones. They also provide specialized discounts that significantly reduce premiums for Mississippi drivers.

Our Top 10 Company Picks: Best Car Insurance in Mississippi

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Farmers Tablepress Logo#120%AGroup DiscountsFarmers
Allstate TablePress Logo#225%A+Comprehensive CoverageAllstate
Progressive TablePress Logo#310%A+Coverage OptionsProgressive
American Family TablePress Logo#425%ALoyalty SavingsAmerican Family
Liberty Mutual TablePress Logo#525%AAffinity DiscountsLiberty Mutual
Nationwide Tablepress Logo#620%A+Accident Forgiveness Nationwide
State Farm TablePress Logo#717%BFinancial StrengthState Farm
Geico TablePress Logo#825%A++Employee DiscountGeico
Travelers: Nationwide Car Insurance Review#913%A++Unique CoverageTravelers
USAA TablePress Logo#1010%A++Military SavingsUSAA

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Affordable car insurance coverage for Mississippi drivers starts at $120 monthly through Progressive, while Farmers and Allstate offer robust protection with rates starting at $145 and $147 a month, respectively.

Just the Basics

  • Mississippi car insurance rates start as low as $20 per month
  • Bundling MS auto and home insurance can save you up to 25%
  • Safe driver discounts reward MS drivers with savings up to 23%

This guide covers top providers in Mississippi, their reputations, and coverage types. Enter your ZIP code to start comparing MS car insurance rates.

#1 Farmers: Top Overall Pick

Farmers Insurance: Best Car Insurance in MississippiPros

  • Numerous Mississippi Coverage Options: Farmers offers a wide range of coverage options tailored to Mississippi drivers’ needs. For more details, see our review of Farmers car insurance.
  • Mississippi Discount Opportunities: Farmers provides various Mississippi-specific discounts, including safe driver programs and savings for bundling home and auto policies.
  • Flexible Mississippi Policy Customization: It allows for flexible policy customization, giving Mississippi drivers the freedom to choose coverage that meets their unique needs.

Cons

  • Higher Mississippi Premiums: Farmers tends to offer higher premiums compared to some competitors, particularly for MS drivers with less-than-perfect driving records.
  • Not the Cheapest Mississippi Option: It may not be the most affordable choice for Mississippi drivers seeking only basic coverage, as premiums can be higher than those of competitors.

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#2 Allstate: Best for Comprehensive Coverage

Allstate- Best Car Insurance in MississippiPros

  • Numerous Policy Options: Allstate is a great choice for Mississippi drivers seeking various policies, including life, home, and auto insurance.
  • Strong Financial Stability: Allstate is a trusted company with strong financial ratings in Mississippi. Learn more in our Allstate car insurance review.
  • Discount Opportunities: Allstate offers several Mississippi-specific discounts, including savings through its Drivewise program and discounts for bundling policies.

Cons

  • Mixed Customer Service Reviews: Some Mississippi customers have expressed dissatisfaction with Allstate’s customer service and claims process.
  • Limitations on Usage-Based Discounts: While the Drivewise program offers discounts for safe Mississippi drivers, some users feel the savings are not as significant as expected.

#3 Progressive: Best for Coverage Options

Progressive- Best Car Insurance in MississippiPros

  • Affordable Rates: Progressive is renowned for offering affordable rates to Mississippi drivers. Our Progressive review provides more detail on this topic.
  • Snapshot Program: Progressive’s usage-based insurance program, Snapshot, tracks driving patterns to offer discounts to safe Mississippi drivers.
  • Name Your Price Tool: This unique feature allows MS drivers to set their budget and have Progressive suggest insurance plans within that price range.

Cons

  • Mixed Claims Satisfaction: While many Mississippi customers report positive experiences, some have expressed dissatisfaction with delays or other issues, especially with more complex claims.
  • Rate Increases After Accidents: Mississippi’s premiums can rise significantly after an accident or traffic violation, even for those with a previously good driving record.

#4 American Family: Best for Loyalty Savings

American Family Insurance- Best Car Insurance in MississippiPros

  • Outstanding Customer Care: American Family is recognized for its exceptional individualized customer care for Mississippi drivers. Find out more in our American Family review.
  • Specific Discounts: They offer several discounts for Mississippi drivers, such as good student, multi-policy, and safe driving discounts, which can significantly reduce premium costs.
  • Safe Driving Program: Its KnowYourDrive usage-based program tracks driving habits and rewards responsible MS drivers with premium discounts.

Cons

  • Limited Digital Tools: While the MyAmFam app is helpful for MS drivers, its online tools may not be as advanced as those offered by some competitors.
  • Higher Premiums: While American Family offers competitive rates in Mississippi, high-risk drivers or those with poor credit may face higher premiums.

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#5 Liberty Mutual: Best for Affinity Discounts

Liberty Mutual - Best Car Insurance in MississippiPros

  • Customizable Policies: As mentioned in our Liberty Mutual company review, it offers a range of policy options in Mississippi, including renters, home, and car insurance.
  • Accident Forgiveness: Liberty Mutual’s optional accident forgiveness benefit ensures that Mississippi drivers’ rates won’t increase after their first accident.
  • New Car Replacement: If your car is totaled within the first year or has fewer than 15,000 miles, Liberty Mutual’s new car replacement policy ensures MS drivers receive a brand-new vehicle.

Cons

  • Limited Savings: Although Liberty Mutual offers discounts for MS drivers, the savings may not be as substantial as those provided by other insurers, limiting cost-cutting opportunities.
  • Expensive Add-Ons: Features such as accident forgiveness and new car replacement can significantly increase MS policy premiums.

#6 Nationwide: Best for Accident Forgiveness

Nationwide - Best Car Insurance in MississippiPros

  • Numerous Policy Options: Nationwide provides a wide range of insurance options in Mississippi, including renters, life, pet, car, and home insurance.
  • Accident Forgiveness: Nationwide offers accident forgiveness to eligible Mississippi drivers. You can learn more in our Nationwide car insurance review.
  • Strong Financial Stability: Nationwide is financially stable, ensuring that Mississippi drivers’ claims will be handled and payouts made promptly.

Cons

  • Higher Premiums for Certain Drivers: Nationwide tends to charge higher premiums for Mississippi drivers with poor credit or a history of accidents.
  • No Immediate Coverage: At times, Nationwide may not offer immediate coverage in Mississippi, which can be a disadvantage for those who need insurance urgently.

#7 State Farm: Best for Financial Strength

State Farm - Best Car Insurance in MississippiPros

  • Numerous Coverage Options: State Farm makes it easy for Mississippi drivers to bundle insurance policies by offering a wide range of options. Read more in our full review of State Farm’s car insurance.
  • Outstanding Customer Service: State Farm provides excellent customer service with easy access to local representatives throughout Mississippi.
  • Strong Financial Strength: With an A++ financial strength rating from A.M. Best, State Farm ensures that MS insurance claims are paid promptly.

Cons

  • Higher Premiums for Some Drivers: It may charge higher premiums than its competitors in MS, particularly for high-risk drivers or those with bad driving records.
  • Lack of Ridesharing Insurance: It does not offer specific ridesharing insurance in Mississippi, which could be a drawback for drivers working with services like Uber or Lyft.

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#8 Geico: Best for Employee Discounts

Geico - Best Car Insurance in MississippiPros

  • Competitive Rates: Geico is renowned for offering some of the lowest Mississippi car insurance premiums. Learn more in our Geico review.
  • Policy Options: Geico offers a range of policy options in Mississippi, including auto, renters, homeowners, motorcycles, and mechanical breakdown insurance.
  • Mississippi-Specific Discounts: Geico offers Mississippi drivers a range of discounts, such as multi-policy, good student, safe driver, military, and federal employee discounts.

Cons

  • Limited Coverage for High-Risk Drivers: It may not be the best choice for Mississippi drivers with a history of accidents or DUIs, as coverage options can be limited.
  • Higher Premiums for Certain Drivers: Although known for offering affordable rates, MS drivers with high-risk profiles may face higher premiums than expected.

#9 Travelers: Best for Unique Coverage

Travelers - Best Car Insurance in Mississippi

Pros

  • Extensive Policy Options: Travelers offers Mississippi residents a wide range of insurance policies, including renters, home, auto, and life insurance. Read our review of Travelers to learn more.
  • Discount Opportunities: Travelers offers several car insurance discounts in Mississippi, including multi-policy, safe driver, and hybrid car discounts.
  • Customizable Policies: Mississippi drivers can tailor Travelers coverage to their specific needs, ensuring they only pay for what they require.

Cons

  • Higher Premiums for Some Drivers: High-risk MS drivers or those with poor credit may be charged higher premiums compared to other drivers.
  • Limited Young Driver Discounts: Travelers offers fewer discounts for young MS drivers compared to competitors like Geico or Progressive.

#10 USAA: Best for Military Savings

USAA - Best Car Insurance in MississippiPros

  • Exclusive to Military Members: USAA offers outstanding service and coverage options in Mississippi for active-duty military personnel, veterans, and their families.
  • Competitive Rates: USAA is known for offering very affordable premiums to military families in Mississippi. Learn more in our USAA car insurance review.
  • Excellent Financial Strength: With an A++ rating from A.M. Best, it has a solid financial standing, ensuring reliable claims management and support for Mississippi policyholders.

Cons

  • Exclusive to the Military: It’s limited to military personnel, veterans, and their families in Mississippi, restricting access to the general public.
  • Mixed Claims Reviews: While many MS customers report positive experiences, there are occasional complaints of delays or issues in handling complex claims.

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Average Monthly Car Insurance Rates in Mississippi

Understanding how much car insurance is in Mississippi helps you get the best value. Knowing your options and costs is key to selecting the right coverage.

These numbers show the average cost of car insurance in Mississippi. Insurers set premiums based on where you live, the distance you drive, your coverage level, and the type of car you own.

Mississippi Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate TablePress Logo$55$147
American Family TablePress Logo$45$120
Farmers Tablepress Logo$54$145
Geico TablePress Logo$27$72
Liberty Mutual TablePress Logo$45$119
Nationwide Tablepress Logo$36$96
Progressive TablePress Logo$45$120
State Farm TablePress Logo$31$82
Travelers: Nationwide Car Insurance Review$33$88
USAA TablePress Logo$20$54

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Continue reading to discover which factors have the most significant impact on rates. You can use our free online tool to shop around and learn about state requirements, helping you get cheap car insurance in MS.

Mississippi Car Insurance Rates by Age & Gender

In 2017, the Consumer Federation of America found that 40-year-old women were often charged more than men, and 60-year-old women paid higher rates in 58% of cases where gender was a factor.

Auto Insurance Monthly Rates in Mississippi by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate TablePress Logo$910$1,040$390$442$260$273$208$221
American Family TablePress Logo$770$880$330$374$220$231$176$187
Farmers Tablepress Logo$840$960$360$408$240$252$192$204
Geico TablePress Logo$630$720$270$306$180$189$144$153
Liberty Mutual TablePress Logo$945$1,080$405$459$270$284$216$230
Nationwide Tablepress Logo$735$840$315$357$210$220$168$178
Progressive TablePress Logo$805$920$345$391$230$242$184$196
State Farm TablePress Logo$665$760$285$323$190$200$152$162
Travelers: Nationwide Car Insurance Review$700$800$300$340$200$210$160$170
USAA TablePress Logo$525$600$225$255$150$158$120$128

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Mississippi drivers, especially young ones, should compare insurance options to avoid steep penalties and stay legally covered. According to a Reddit post, State Farm has remained affordable across states and years.

Reddit Post: best car insurance in mississippi

Though rates are naturally higher at 19, you should start shopping for the best coverage that fits your age, vehicle, and location.

Despite no law requiring gender neutrality, Mississippi insurers generally treat men and women equally. Still, teen drivers pay more regardless of politeness or location.

Read More: Factors that Affect the Price of Car Insurance

Rates by Zip Code 

Mississippians value community, and having the best car insurance in Mississippi is about protecting others as much as it is about protecting yourself. A good policy keeps roads safer, whether on rural or city streets.

Finding the best car insurance in Mississippi isn't just about protecting yourself—it's about ensuring safer roads and supporting your community.

Daniel Walker Licensed Insurance Agent

Neighborly and welcoming, Mississippians are always ready to help. Others’ driving habits can affect your rates. Check the table below for details.

Auto Insurance by ZIP Code in Mississippi

ZIP CodeMonthly Rate
39201$210
39531 $185
38655 $172
39759$160
39401 $178
38801 $166
39211$215
39042 $180
39157$182
39466 $170

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In Jackson, moving just a few blocks can increase your insurance rate. For example, residents of Bradie pay $60 more than those in New Bryam. Your neighborhood is just one factor influencing your rates—keep reading to learn how your town affects your costs.

Commute Rates

Longer commutes increase the risk of accidents, so insurers factor commute length into their rate-setting.

How much does car insurance cost in Mississippi by mileage? Compare rates in to find the most affordable car insurance, taking into account your mileage.

Mississippi Commute Distances Auto Insurance Monthly Rates by Provider

Insurance Company10 Miles Commute25 Miles Commute
Allstate TablePress Logo$260$278
American Family TablePress Logo$220$235
Farmers Tablepress Logo$240$257
Geico TablePress Logo$180$193
Liberty Mutual TablePress Logo$270$289
Nationwide Tablepress Logo$210$225
Progressive TablePress Logo$230$246
State Farm TablePress Logo$190$203
Travelers: Nationwide Car Insurance Review$200$214
USAA TablePress Logo$150$160

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A long commute with Liberty Mutual can cost nearly $800 more per year than a short one, while USAA’s difference is about $60. More time on the road means higher risk, so choose a provider with a solid loss ratio and affordable rates. Commute length, loss ratio, and the type of car insurance coverage all influence the best car insurance in Mississippi.

Rates by Company and Coverage Level

If you’re considering more liability coverage, compare prices. The table below shows which companies offer the best rates for added protection.

Auto Insurance Monthly Rates in Mississippi by Coverage Level for Top Providers

Insurance CompanyLow CoverageMedium CoverageHigh Coverage
Allstate TablePress Logo$190$224$262
American Family TablePress Logo$170$201$235
Farmers Tablepress Logo$180$212$248
Geico TablePress Logo$140$165$193
Liberty Mutual TablePress Logo$200$236$276
Nationwide Tablepress Logo$160$189$221
Progressive TablePress Logo$170$201$235
State Farm TablePress Logo$150$177$207
Travelers: Nationwide Car Insurance Review$160$189$221
USAA TablePress Logo$120$142$166

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More coverage means higher premiums, but don’t let that discourage you from choosing comprehensive or collision car insurance coverage. Being prepared for the unexpected is essential. Older cars may require less extensive coverage than newer ones. Your driving record and credit score also impact your rates, as they are key factors influencing your car insurance costs.

Companies’ Credit History Rates

In 2015, Consumer Reports found that the best insurance companies in Mississippi base their rates on credit scores. See the table below to see how this affects pricing.

Auto Insurance Monthly Rates in Mississippi by Provider & Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate TablePress Logo$200$240$310
American Family TablePress Logo$180$216$279
Farmers Tablepress Logo$190$228$294
Geico TablePress Logo$160$192$248
Liberty Mutual TablePress Logo$210$252$326
Nationwide Tablepress Logo$170$204$264
Progressive TablePress Logo$180$216$279
State Farm TablePress Logo$160$192$248
Travelers: Nationwide Car Insurance Review$170$204$264
USAA TablePress Logo$140$168$217

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Drivers with good credit often get lower rates, as insurers view them as less likely to file claims. Credit score isn’t the only factor—your driving record also matters.

Read More: How Car Insurance Works

Companies’ Driving Record Rates

In Mississippi, your driving record affects both safety and insurance costs. One speeding ticket or accident can result in premium increases for years.

Mississippi does not have a point system, but reckless driving is still recorded and visible to insurers and employers.

Auto Insurance Monthly Rates in Mississippi by Provider & Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate TablePress Logo$210$262$284$441
American Family TablePress Logo$190$238$256$399
Farmers Tablepress Logo$200$250$270$420
Geico TablePress Logo$170$212$230$357
Liberty Mutual TablePress Logo$220$275$297$462
Nationwide Tablepress Logo$180$225$243$378
Progressive TablePress Logo$190$238$256$399
State Farm TablePress Logo$170$212$230$357
Travelers: Nationwide Car Insurance Review$180$225$243$378
USAA TablePress Logo$150$188$202$315

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A single DUI can cost hundreds, no matter the provider. Speeding also raises rates. If it leads to an accident, costs rise even more—slow down and use a designated driver.

Percentage of Income

Mississippi drivers spend approximately 3.05% of their $31,365 annual income on car insurance, or around $95 per month. With rates rising, comparing Mississippi car insurance quotes is key to staying insured and saving money. The state average is $995 annually, higher than the national average of $935.80, above Tennessee’s $856, but lower than Louisiana’s $1,300.

Number of Insurers By State

Mississippi’s ranking for uninsured drivers makes choosing the right coverage critical. Growth in the insurance market is driving competition and lowering premiums.
Uninsured Drivers Definition Card : best car insurance in Mississippi
The state has 15 domestic and 907 foreign insurance providers, offering 922 options to compare rates and coverage.

Read More: How the States Rank on Uninsured Drivers

Domestic insurers are based in Mississippi, while foreign insurers are based in other states within the United States. All must follow Mississippi law. Knowing the difference helps you choose confidently and get the best car insurance in Mississippi.

Financial Ratings of the Largest Car Insurance Companies

Choosing the best car insurance in Mississippi begins with identifying which providers excel locally. We reviewed the 10 largest companies based on A.M. Best’s financial strength ratings.

Car Insurance Company Ratings and Outlooks in Mississippi

Insurance CompanyRatingOutlook
Allstate TablePress LogoA+Stable
American Family TablePress LogoAStable
Farmers Tablepress LogoAStable
Geico TablePress LogoA++Stable
Liberty Mutual TablePress LogoAStable
Nationwide Tablepress LogoA+Stable
Progressive TablePress LogoA+Stable
State Farm TablePress LogoA++Stable
Travelers: Nationwide Car Insurance ReviewA+Stable
USAA TablePress LogoA++Stable

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Top-rated companies are more financially stable, less likely to deny claims, and tend to offer better rates.

Companies With the Most Complaints

When comparing the best car insurance in Mississippi, review each company’s complaint ratio. A 1.0 ratio is average—higher means more complaints.

Mississippi Auto Insurance Market Overview: Direct Premiums, Complaint Ratios, Loss Ratios, and Market Share

CompanyDirect Premiums WrittenComplaint Ratio¹Loss Ratio²Market Share³
State Farm TablePress Logo$67.75 billion0.70127.9%18.3%
Progressive TablePress Logo$60.05 billion0.65104.9%15.2%
Geico TablePress Logo$38.97 billion0.91105.7%12.3%
Allstate TablePress Logo$30.00 billion0.50110.9%10.4%
USAA TablePress Logo$15.00 billion0.7498.7%6.2%
Liberty Mutual TablePress Logo$14.50 billion5.95105.7%4.2%
Nationwide Tablepress Logo$12.00 billion0.6498.7%1.7%
$11.20 billion0.0069.60%11.2%
$7.08 billion0.1664.72%3.8%
Shelter TP Logo$5.98 billion0.6168.58%3.2%

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Liberty Mutual has a high complaint ratio, but its strong loss ratio indicates that it is likely to pay claims.

To file a complaint, contact the Mississippi Insurance Department:

  • Online: Visit their website
  • Mail: Mississippi Insurance Department, Consumer Services Division, P.O. Box 79, Jackson, MS 39205
  • Fax: 601-359-1077
  • Email: [email protected]

Low-Cost Insurance

Mississippi offers a plan for high-risk drivers, but no program is available for those who cannot afford insurance. The Mississippi Insurance Department provides tools to help you find the lowest rates. The table shows discounts from top car insurance providers in Mississippi:

Car Insurance Discounts From the Top Providers in Mississippi

nsurance CompanyAvailable Discounts
Allstate TablePress LogoSafe Driving, New Car, Multi-Policy, Good Student, Early Signing, Anti-Theft Device
American Family TablePress LogoLoyalty, Multi-Vehicle, Good Driver, Young Driver
Farmers Tablepress LogoGood Student, Multi-Policy, Homeowner, Safe Driver
Geico TablePress LogoFederal Employee, Safe Driver, Good Student, Multi-Policy
Liberty Mutual TablePress LogoAffinity Group, Multi-Policy, Safe Driver
Nationwide Tablepress LogoMulti-Policy, Good Student, Defensive Driving, Safe Driver
Progressive TablePress LogoMulti-Policy, Safe Driver, Continuous Insurance, Paperless
State Farm TablePress LogoSafe Driver, Student Driver, Multiple Vehicles, Loyalty
Travelers: Nationwide Car Insurance ReviewSafe Driver, Homeownership, Multi-Policy
USAA TablePress LogoMilitary Family, Good Student, Safe Driver, Multi-Policy

Compare RatesStart Now →

You can lower your premiums by bundling multiple policies, maintaining a safe driving record, having good credit, installing vehicle safety features, and completing defensive driving courses.

Read more: Cheapest Car Insurance Companies

High-Risk Auto Insurance

Multiple tickets, accidents, or claims can place you in the high-risk category, making it harder to get coverage. To help, Mississippi created the Mississippi Automobile Insurance Assigned Risk Plan (MAIARP).

High-Risk Insurance Definition Card : best car insurance in Mississippi

According to the Mississippi Insurance Department: The Mississippi Automobile Insurance Assigned Risk Plan requires insurers to offer liability coverage to high-risk drivers who can’t get insured otherwise.

If you live in Mississippi and need car insurance, the state has worked with insurers to help you secure coverage. Mississippi partners with insurers to help residents secure car insurance coverage.

How to Get the Best Mississippi Auto Insurance Company

Start by identifying required coverage types and limits when buying car insurance in Mississippi. Check the Farmers’ site for available options.

Farmers homepage: Best auto insurance in Mississippi

Does Mississippi require car insurance? Understanding Mississippi’s minimum insurance requirements and coverage options can be tricky. This guide simplifies the process.

We gathered data from the Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), and U.S. Census Bureau to help you find the best value when buying car insurance in Mississippi.

Get the best auto insurance in Mississippi by comparing rates and securing the coverage you need to stay protected.

Chris Abrams Licensed Insurance Agent

Mississippi residents cherish their hometowns, from the Tupelo Dude Burger Festival to the Beaumont Pecan Festival. Mississippians value savings, so knowing local carriers’ rates is crucial. Use the table below to find the best car insurance in Mississippi based on coverage value.

Average Car Insurance Rates by City in Mississippi

CityAverage Grand Total
STARKVILLE$3,077.33
CRAWFORD$3,180.23
STURGIS$3,196.85
STEENS$3,208.63
WOODLAND$3,220.89
COLUMBUS$3,226.66
MABEN$3,228.95
CEDARBLUFF$3,231.09
GUNTOWN$3,237.09
VARDAMAN$3,246.00
BALDWYN$3,247.35
TUPELO$3,248.83
WEST POINT$3,249.13
SALTILLO$3,251.39
AMORY$3,253.21
PHEBA$3,261.14
ECRU$3,265.32
ABERDEEN$3,269.64
BELDEN$3,272.51
MARIETTA$3,274.20
PRAIRIE$3,274.33
OKOLONA$3,274.37
HOUSTON$3,277.10
CALEDONIA$3,283.58
HOULKA$3,284.84
TOCCOPOLA$3,284.95
NEW ALBANY$3,284.97
MOOREVILLE$3,287.84
SMITHVILLE$3,287.96
GREENWOOD SPRINGS$3,288.04
NETTLETON$3,288.88
VERONA$3,289.64
NEW SITE$3,293.38
BLUE SPRINGS$3,293.99
PONTOTOC$3,305.09
BECKER$3,314.90
FULTON$3,318.23
RANDOLPH$3,329.46
SHANNON$3,329.58
PITTSBORO$3,333.71
VAN VLEET$3,334.47
MANTACHIE$3,336.26
TREMONT$3,343.84
BOONEVILLE$3,346.49
SHERMAN$3,350.42
ETTA$3,353.55
BIG CREEK$3,357.04
PLANTERSVILLE$3,357.07
CALHOUN CITY$3,364.61
BRUCE$3,366.36
GATTMAN$3,369.73
TISHOMINGO$3,370.72
DUMAS$3,374.28
MYRTLE$3,381.54
GLEN$3,382.11
CORINTH$3,383.63
HAMILTON$3,383.81
COLLINSVILLE$3,391.50
GOLDEN$3,392.76
RIENZI$3,394.09
LAWRENCE$3,406.58
BLUE MOUNTAIN$3,410.42
THAXTON$3,412.67
UNION$3,414.64
BELMONT$3,415.14
DENNIS$3,419.25
DECATUR$3,422.39
MATHISTON$3,422.43
CONEHATTA$3,425.08
MANTEE$3,427.87
LAUDERDALE$3,428.04
RIPLEY$3,430.33
TIPLERSVILLE$3,432.60
DALEVILLE$3,433.51
PHILADELPHIA$3,433.57
BAILEY$3,435.11
BURNSVILLE$3,435.53
IUKA$3,441.34
NEWTON$3,441.63
BANNER$3,442.80
WALNUT$3,443.86
SCHLATER$3,445.67
VAIDEN$3,449.52
CHUNKY$3,452.16
ITTA BENA$3,459.81
SIDON$3,461.84
WINONA$3,462.61
INDIANOLA$3,465.74
LITTLE ROCK$3,471.13
PARIS$3,474.25
INVERNESS$3,479.37
EUPORA$3,482.78
HICKORY$3,483.53
MOORHEAD$3,488.52
FALKNER$3,489.03
MERIDIAN$3,489.39
FRENCH CAMP$3,491.89
KILMICHAEL$3,501.38
ALGOMA$3,502.51
BROOKSVILLE$3,505.06
SHAW$3,507.10
ACKERMAN$3,507.47
MINTER CITY$3,510.10
RULEVILLE$3,511.46
SUNFLOWER$3,512.44
HICKORY FLAT$3,512.62
DODDSVILLE$3,514.71
MC ADAMS$3,515.10
POTTS CAMP$3,515.40
GREENWOOD$3,515.83
WATERFORD$3,521.01
SHUQUALAK$3,523.19
SALLIS$3,524.48
BOYLE$3,526.44
ROSEDALE$3,528.71
TAYLOR$3,529.00
ABBEVILLE$3,529.60
STEWART$3,530.20
MOUNT PLEASANT$3,531.38
NOXAPATER$3,531.74
WEIR$3,533.04
ETHEL$3,533.97
MACON$3,535.00
MERIGOLD$3,536.26
LOUISVILLE$3,545.05
CARROLLTON$3,545.32
OXFORD$3,546.16
SOSO$3,547.87
TOOMSUBA$3,550.22
STRINGER$3,550.30
BAY SPRINGS$3,551.23
LOUIN$3,551.31
BEULAH$3,553.33
VICTORIA$3,554.17
KOSCIUSKO$3,555.26
DREW$3,557.39
RED BANKS$3,563.18
MARION$3,563.25
GUNNISON$3,565.13
TULA$3,565.33
HOLLY SPRINGS$3,565.45
PRESTON$3,566.10
BENOIT$3,567.45
DUCK HILL$3,567.82
ASHLAND$3,568.33
COILA$3,568.65
WHEELER$3,569.73
SCOOBA$3,571.39
HATTIESBURG$3,572.06
SANDHILL$3,572.20
LAUREL$3,573.93
PORTERVILLE$3,577.24
MAYERSVILLE$3,577.34
MC COOL$3,579.90
WALNUT GROVE$3,580.07
DE KALB$3,581.18
CLEVELAND$3,583.11
BYHALIA$3,585.69
MAYHEW$3,585.73
MADISON$3,585.80
TREBLOC$3,587.22
COFFEEVILLE$3,587.49
REDWOOD$3,588.08
MOSELLE$3,588.62
ELLISVILLE$3,591.52
GORE SPRINGS$3,592.64
ROSE HILL$3,594.35
MONTPELIER$3,594.89
PETAL$3,595.96
VALLEY PARK$3,598.46
UNIVERSITY$3,600.13
LAKE$3,600.62
ARTESIA$3,605.47
MOSS$3,610.80
ARKABUTLA$3,613.97
MICHIGAN CITY$3,614.30
SHELBY$3,614.79
SEBASTOPOL$3,618.77
INDEPENDENCE$3,619.00
MC CARLEY$3,619.19
ISOLA$3,620.77
THOMASTOWN$3,621.20
COLDWATER$3,621.23
FOREST$3,621.23
SENATOBIA$3,622.60
MADDEN$3,624.08
STAR$3,624.79
PELAHATCHIE$3,625.04
VICKSBURG$3,625.09
CRUGER$3,628.78
MOUND BAYOU$3,632.23
ROLLING FORK$3,636.31
LUDLOW$3,637.11
DUNCAN$3,637.80
BROOKLYN$3,638.61
LAMAR$3,638.78
WEST$3,639.14
WATER VALLEY$3,643.19
PHILIPP$3,646.01
ALLIGATOR$3,649.03
SCOBEY$3,650.55
GLEN ALLAN$3,651.42
SARAH$3,651.72
STONEVILLE$3,653.82
CAMDEN$3,655.41
HOLCOMB$3,655.46
CARY$3,657.05
LELAND$3,658.99
CANTON$3,659.71
CHATHAM$3,661.77
HOLLANDALE$3,662.26
BELZONI$3,664.36
TCHULA$3,672.14
LENA$3,674.46
CLARA$3,675.00
LOUISE$3,675.04
SILVER CITY$3,675.50
MAGEE$3,675.57
BROOKHAVEN$3,677.90
OVETT$3,679.49
RIDGELAND$3,679.51
WIGGINS$3,682.18
HERNANDO$3,682.39
BRANDON$3,688.25
DURANT$3,689.07
WAYSIDE$3,689.71
EASTABUCHIE$3,690.06
SANDERSVILLE$3,690.13
FLOWOOD$3,694.35
CARTHAGE$3,696.62
NESBIT$3,698.93
MC LAIN$3,698.94
OAKLAND$3,699.62
GRENADA$3,701.07
RUTH$3,702.34
TILLATOBA$3,702.54
PINEY WOODS$3,702.55
RICHLAND$3,702.94
GREENVILLE$3,704.98
SLATE SPRING$3,708.50
EDWARDS$3,710.36
GOODMAN$3,713.87
PACHUTA$3,715.17
HEIDELBERG$3,715.21
LEXINGTON$3,716.05
LAKE CORMORANT$3,719.02
TUNICA$3,719.33
MENDENHALL$3,719.91
PICKENS$3,721.72
FLORA$3,722.60
HORN LAKE$3,723.28
BOLTON$3,723.62
WEBB$3,725.45
ENTERPRISE$3,725.47
MCCOMB$3,726.10
QUITMAN$3,728.41
BOGUE CHITTO$3,728.91
WALTHALL$3,729.29
BATESVILLE$3,732.00
CRENSHAW$3,733.97
SHUBUTA$3,735.32
COURTLAND$3,735.77
FALCON$3,738.19
PAULDING$3,740.64
TYLERTOWN$3,741.79
HOLLY BLUFF$3,744.73
ANGUILLA$3,746.71
MAGNOLIA$3,749.57
FLORENCE$3,750.39
SOUTHAVEN$3,750.82
STONEWALL$3,751.02
LONG BEACH$3,752.02
DIBERVILLE$3,752.08
TAYLORSVILLE$3,753.10
DUNDEE$3,753.83
ROBINSONVILLE$3,753.89
LEAKESVILLE$3,753.90
ARCOLA$3,756.01
POPE$3,759.59
TIPPO$3,761.01
BILOXI$3,763.29
AVON$3,763.33
BELLEFONTAINE$3,764.74
WALLS$3,765.54
PEARL$3,766.27
SLEDGE$3,766.40
COMO$3,766.41
SARDIS$3,770.51
VOSSBURG$3,770.60
GRACE$3,773.09
VAUGHAN$3,773.12
PASS CHRISTIAN$3,773.31
MIZE$3,774.16
MORGAN CITY$3,774.88
HARRISVILLE$3,775.83
NEELY$3,776.69
OLIVE BRANCH$3,777.42
SWIFTOWN$3,778.81
MONEY$3,778.84
BENTON$3,779.30
GAUTIER$3,780.36
DUBLIN$3,780.58
PERKINSTON$3,782.76
STATE LINE$3,783.41
WAYNESBORO$3,785.18
CROWDER$3,786.36
MONTICELLO$3,788.18
PULASKI$3,790.79
SUMMIT$3,791.10
SATARTIA$3,792.33
YAZOO CITY$3,796.49
PASCAGOULA$3,797.96
OSYKA$3,798.18
GLENDORA$3,799.62
MC HENRY$3,799.92
BUCKATUNNA$3,799.94
RALEIGH$3,803.11
MORTON$3,803.32
CASCILLA$3,803.75
MC NEILL$3,804.09
PURVIS$3,806.35
CLINTON$3,807.14
LUMBERTON$3,807.38
BELEN$3,808.67
LULA$3,811.03
VANCLEAVE$3,811.40
JONESTOWN$3,811.84
GULFPORT$3,811.98
PARCHMAN$3,812.76
OAK VALE$3,814.87
MOSS POINT$3,818.01
PINOLA$3,818.60
JAYESS$3,823.17
BENTONIA$3,824.40
DELTA CITY$3,826.84
BRAXTON$3,829.25
SCOTT$3,834.98
MARKS$3,837.93
SAUCIER$3,838.19
SHERARD$3,838.40
NEWHEBRON$3,841.08
BEAUMONT$3,842.30
DIAMONDHEAD$3,845.45
ENID$3,850.63
SONTAG$3,853.84
GEORGETOWN$3,854.09
MOUNT OLIVE$3,855.45
PEARLINGTON$3,857.61
RICHTON$3,858.15
METCALFE$3,858.94
SUMNER$3,863.48
BAY SAINT LOUIS$3,866.44
LAMBERT$3,868.11
LUCEDALE$3,870.67
COLLINS$3,874.34
SUMRALL$3,875.20
WINSTONVILLE$3,877.63
WAVELAND$3,878.23
BUDE$3,878.24
MIDNIGHT$3,887.65
OCEAN SPRINGS$3,887.70
PACE$3,887.91
FRIARS POINT$3,890.85
SWAN LAKE$3,892.34
CHARLESTON$3,893.53
SMITHDALE$3,894.09
WESSON$3,894.35
MEADVILLE$3,896.44
HARPERVILLE$3,899.88
RAYMOND$3,901.26
SIBLEY$3,901.71
PUCKETT$3,904.26
WINTERVILLE$3,905.29
TUTWILER$3,905.77
SEMINARY$3,906.08
POPLARVILLE$3,906.10
COAHOMA$3,907.93
TERRY$3,909.79
CLARKSDALE$3,910.45
SANDY HOOK$3,912.19
ELLIOTT$3,913.97
CRYSTAL SPRINGS$3,917.41
LYON$3,917.55
MC CALL CREEK$3,921.02
BYRAM$3,928.45
NEW AUGUSTA$3,930.59
LIBERTY$3,932.20
JACKSON$3,932.54
VANCE$3,932.66
PICAYUNE$3,932.75
TIE PLANT$3,934.31
D LO$3,934.83
ROXIE$3,941.64
BASSFIELD$3,944.37
COLUMBIA$3,946.60
RENA LARA$3,953.83
SILVER CREEK$3,955.17
KOKOMO$3,956.73
KILN$3,979.89
CARRIERE$3,984.17
GLOSTER$3,984.59
FOXWORTH$3,987.89
GALLMAN$3,988.22
PANTHER BURN$3,988.98
DARLING$3,989.17
HAZLEHURST$3,990.92
FARRELL$3,994.55
WHITFIELD$3,994.81
CARSON$4,005.18
CENTREVILLE$4,006.38
ROME$4,009.06
PRENTISS$4,013.94
HURLEY$4,024.29
CHATAWA$4,041.93
UNION CHURCH$4,051.00
UTICA$4,053.44
FAYETTE$4,107.16
TINSLEY$4,112.92
LAKESHORE$4,129.33
TOUGALOO$4,138.74
CROSBY$4,144.61
WOODVILLE$4,149.93
WASHINGTON$4,157.25
FERNWOOD$4,170.57
PATTISON$4,185.94
NATCHEZ$4,189.65
PORT GIBSON$4,242.24
LORMAN$4,250.87
HERMANVILLE$4,323.64

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Despite being the largest city, Jackson doesn’t have the highest rates. Hermanville, with 1,600 residents, has the highest premiums, while car insurance in Waveland, MS, is over $3,000 higher as well.

Larger companies offer competitive rates but may lack personalized service. The best Mississippi auto insurance strikes a balance between cost, coverage, and customer service. We’ve gathered the data to help you choose the right provider.

Largest Car Insurance Companies in Mississippi

We have discussed how commute rates, loss ratios, complaint ratios, and other factors affect your car insurance rates. Market share refers to the percentage of the overall market that a single company controls.

Top 10 U.S. Auto Insurance Companies by Direct Premiums Written and Market Share

RankCompanyDirect Premiums Written (2023)Market Share (%)
1State Farm TablePress Logo$67.75 billion18.87%
2Progressive TablePress Logo$60.05 billion16.72%
3Geico TablePress Logo$38.97 billion10.87%
4Allstate TablePress Logo$30.00 billion8.36%
5USAA TablePress Logo$15.00 billion4.18%
6Liberty Mutual TablePress Logo$14.50 billion4.04%
7Farmers Tablepress Logo$13.00 billion3.62%
8Nationwide Tablepress Logo$12.00 billion3.34%
9American Family TablePress Logo$11.50 billion3.20%
10Travelers: Nationwide Car Insurance Review$10.00 billion2.78%

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According to Investopedia, the table above includes Direct Premiums Written, as new policies drive growth for top car insurance companies. Comparing State Farm, with an over 25% market share, to Shelter Insurance Group, at about 3%, highlights the stability and growth potential of the best car insurance in Mississippi.

Mississippi Car Culture

The Natchez Trace Parkway highlights Mississippi’s appeal to drivers and cyclists with its quiet, scenic route, unlike the busier I-55 and I-20. While roads here are more relaxed, failing to signal on rural roads can cause issues in cities and towns.

Large vehicles and trucks can obstruct views when passing, so securing the best car insurance in Mississippi protects you in case of an accident.

Lifted pickup trucks are standard throughout the state, from Tishomingo to Jackson. Regardless of vehicle or location, you must meet Mississippi’s minimum car insurance requirements. Understanding coverage types ensures you stay protected.

Driving in Mississippi

Driving in Mississippi comes with risks, including road debris, vandalism, and theft. Inadequate car insurance can leave you vulnerable.

Teen Driving Laws

Mississippi has specific laws for teen drivers, who face increased risks due to their inexperience and the distractions they encounter. These risks underscore the importance of teens driving safely and parents ensuring proper coverage.

Mississippi’s graduated licensing process helps teens gain experience in stages:

  • Learner’s Permit – Available at 14 with proof of enrollment in a driver’s education program; otherwise, they must wait until 15 and pass vision and written tests. A licensed driver 21 or older must be in the front seat.
  • Intermediate License – Available at 16 if the teen has held a learner’s permit for at least 12 months. Restrictions apply to driving hours without a licensed adult in the car.
  • Unrestricted License – Available at 16 ½ if the teen has no violations and is enrolled in school.

Laws for Teen Drinking and Driving in Mississippi

In 2016, Mississippi reported 66 underage DUI arrests, ranking 22nd nationally. Teen drivers face penalties similar to adults:

  • First offense: $250, acceptable and mandatory alcohol safety education.
  • Second offense (within 5 years): $500 fine and 1-year license suspension.
  • Third or more (within 5 years): $1,000 fine, license suspension until age 21, and mandatory treatment.

For more on teen driving safety, check out the most common risks faced by teen drivers.

Laws for Older Drivers in Mississippi

As we age, driving can become more challenging. If you’re feeling nervous behind the wheel or having close calls, it may be time to reassess your driving.

The Mayo Clinic suggests:

  • Stay physically active
  • Keep up with hearing and vision checks
  • Avoid phone use while driving
  • Drive only when conditions and health allow

In Mississippi, older drivers can renew their licenses every 4–8 years, with online renewals available every other time. Monitoring your health and driving record helps manage insurance costs and maintain safe, affordable coverage.

New Residents

New residents in Mississippi apply for a driver’s license the same way as first-time applicants over 18. The only difference is surrendering your out-of-state license to the Department of Public Safety (DPS). The DPS offers an FAQ page to assist new residents.

As you settle in, consider how much car insurance you need. Mississippi requires minimum liability coverage, but additional coverage may provide better protection based on your car and personal needs.

Licensing Renewal Procedures

Mississippi does not allow mail-in driver’s license renewals. You can choose a 4- or 8-year renewal period by paying the appropriate fee. A valid license is required to drive legally in the state. If your license expires, you have up to 18 months to renew it for a fee before starting the whole application process.

Military personnel and dependents out of state during expiration can renew within 90 days of returning or discharge.

Driving without a valid license can result in fines and legal consequences—stay compliant to avoid penalties.

Read More: Can I get car insurance with no license?

Minimum Coverage Requirements in Mississippi

Car insurance rates vary across states. In Mississippi, drivers must maintain minimum coverage:

  • $25,000 for bodily injury or death of one person per accident
  • $50,000 for total bodily injury or death of all persons per accident
  • $25,000 for property damage per accident

NOLO also notes that Mississippi drivers can also post a bond or make a cash deposit to meet these requirements.

Driving without insurance can result in a misdemeanor, carrying a fine of up to $500 and a license suspension of up to one year. To avoid penalties and ensure coverage, it’s essential to have the best car insurance in Mississippi.

Mississippi drivers are required to always carry proof of insurance. Acceptable forms include:

  • A paper car insurance ID card
  • An e-insurance card accessible on a device
  • A Surety Bond meeting minimum liability requirements
  • A Self-Insurance Certificate with a cash or security deposit meeting state requirements

Surety Bonds and Self-Insurance Certificates are less common and more complex to navigate, but they can serve as alternatives to traditional insurance to meet Mississippi’s legal requirements.

Forms of Financial Responsibility Definition Card: best car insurance in Mississippi

Unlike traditional insurance, Surety Bonds and Self-Insurance Certificates are issued by the state, not an insurance provider. These certificates must include:

  • Effective date
  • Driver’s name
  • Covered vehicle make, model, and VIN
  • Certificate number
  • Issuing company’s name
  • Bond number

For traditional insurance, your paper or e-insurance card must include:

  • Insurance company name
  • Policy number
  • Effective dates
  • Covered vehicle make, model, and VIN
  • Covered person(s) names
  • Insurance agent contact information

If you’re involved in an accident or stopped by law enforcement, you must provide proof of insurance upon request. Failure to do so can result in:

  • $300 fine for the first violation
  • $400 fine for the second violation
  • $500 fine for the third violation

After the third violation, your driver’s license may be suspended for up to a year.

Mississippi Laws

Mississippi requires all drivers to carry a minimum amount of car insurance before driving. Car insurance is also necessary to register your vehicle and obtain a permit. Under Mississippi law, driving is a privilege, not a right. Failing to comply with insurance and safety laws can result in the immediate loss of this privilege.

How Mississippi’s Best Car Insurance Laws Are Determined

The Mississippi Insurance Department, Department of Public Safety, and State Legislature work together to ensure that car insurance and highway safety laws protect residents. The Department of Insurance also requires specific coverage for certain drivers, including Those in the Transportation Network and commercial drivers.

Understanding audit compliance and transparency in your Mississippi car insurance policy is crucial to avoid surprises during a claim.

Aaron Englard Insurance Premium Auditor

Knowing the expectations for your driving habits and vehicle type can prevent headaches if you’re pulled over or involved in an accident.

Windshield Coverage

Mississippi drivers often wonder if their car insurance covers windshield damage from road debris or falling objects. According to Carwindshield.org:

  • Aftermarket crash parts may be used if specified by the insurer on the estimate.
  • Insurers don’t require repairs to be done at a specific shop, but if you choose another vendor, you may need to pay the cost difference.

Mississippi law requires all vehicles to have windshields unless they were originally manufactured without one. The driver’s field of vision must remain clear, and only non-reflective tint may be used above the AS-1 line. Chips or cracks obstructing the driver’s view are prohibited.

Should I use insurance to replace my windshield? Filing a claim for a cracked, chipped, or broken windshield may raise your rates, but it’s a small price to pay for safety

Additional Coverage

Mississippi requires bodily injury liability and property damage coverage, but additional options can enhance your protection:

  • Collision: Covers repairs or replacement if your car is damaged in an accident.
  • Comprehensive: Protects against animal strikes, natural disasters, or total loss.
  • MedPay: Covers medical expenses for all passengers in an accident.
  • Uninsured/Underinsured Motorist: Protects you if the other driver is underinsured or lacks coverage.
  • Personal Injury Protection: Covers lost wages and medical bills, regardless of fault.

When selecting coverage, consider loss ratios to ensure financial stability and security. A ratio over 100% may lead to rate increases, while a lower ratio suggests underpricing. In Mississippi, loss ratios range from 50% to 100%, indicating a stable market.

Medical Payments and Uninsured/Underinsured Motorist Loss Ratios

Coverage Type2013201420152023
Medical Payments (MedPay)74.8177.4480.0386.4%
Uninsured/Underinsured Motorist69.1074.6779.2033.4%

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The table above, from the National Association of Insurance Commissioners (NAIC), shows that while improvements are possible, the best car insurance in Mississippi is performing well. With 24% of drivers uninsured, having adequate coverage is essential to avoid out-of-pocket costs. Uninsured motorist protection can safeguard you financially in case of an accident.

Add-Ons and Endorsements

Now that you’re familiar with state requirements and liability coverage options, you can customize your policy with add-ons and endorsements to suit your specific lifestyle.

Liability Coverage Definition Card: best car insurance in Mississippi

Understanding add-ons and endorsements helps you choose the proper coverage. Common options include:

  • GAP Insurance: Covers the remaining loan or lease balance if your car is totaled or stolen.
  • PUP: Protects against lawsuits when liability limits are exceeded.
  • Rental Reimbursement: Covers rental costs while your car is in the shop.
  • Roadside Assistance: Covers towing or roadside repairs.
  • Mechanical Breakdown Insurance: Covers non-accident-related repairs.
  • Non-Owner Car Insurance: Provides liability coverage if you drive but don’t own a car.
  • Modified Car Insurance: Covers vehicle modifications.
  • Classic Car Insurance: Coverage for classic cars at lower costs.
  • Pay-as-you-Drive Insurance: Offers discounts based on driving habits.

Not all providers offer every option, so be sure to ask about your preferences. The car you drive and your driving habits are just part of selecting the best insurance in Mississippi.

Read More: Factors That Affect the Price of Car Insurance

Compare Quotes From Top Companies and Save

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Car Insurance Companies in Mississippi With The Highest Ratings

A.M. Best rated Mississippi’s largest car insurers highly, indicating a strong market. JD Power also reports record-high customer satisfaction among auto insurance customers.

Survey of J.D. Power 2018 U.S. Infographic: best Insurance in Mississippi

Despite JD Power’s findings, not all Mississippi drivers are satisfied. Premiums, claims handling, and customer service often influence perceptions of coverage.

Read More: Things You Do That Can Raise Your Premiums

Mississippi State Laws for Car Insurance

Navigating Mississippi’s car insurance laws can be a frustrating experience. We’ve researched the key rules and summarized the most important details for you.

Automobile Insurance Fraud in Mississippi

Even if you follow the law, not everyone does. Some individuals commit car insurance fraud, such as:

  • Agents pocketing premiums instead of paying the insurer
  • “Sliding,” where agents add unnecessary coverage to increase commissions
  • Filing false claims for non-existent damages
  • Vendors adding unnecessary repair costs
  • Doctors charging for unnecessary or non-existent treatments
  • Providing false information during claims or policy processes

Insurance fraud in Mississippi can result in fines and imprisonment. If you suspect insurance fraud, report it to:

  • Mississippi Insurance Department: 800-562-2957
  • Insurance Integrity Enforcement Bureau (Mississippi Attorney General’s Office): 888-528-5780

Reporting fraud helps reduce costs for consumers by minimizing losses caused by fraudulent actions.

Statute of Limitations

There are deadlines for filing car insurance claims. In Mississippi, you have 3 years from the date of the incident to file a personal injury claim. After that, you lose the right to file. There’s no cap on damages, but you must meet the deadline.

If you’re filing a claim against the Mississippi government, you must do so within 90 days through the Attorney General’s office.

Penalties for Driving Without Insurance

Driving without car insurance in Mississippi can result in severe consequences. A first offense may result in a $1,000 fine and a one-year suspension of driving privileges.

To protect yourself from uninsured drivers, consider adding uninsured/underinsured motorist coverage to your policy. It only adds a small amount to your premium and helps you secure the best car insurance in the state of Mississippi. Read more to know how much a ticket is for driving without a license.

No-Fault vs. At-Fault State

When shopping for car insurance, you’ll encounter “no-fault” and “at-fault” systems.

In a no-fault system, each driver’s insurance covers their expenses after an accident. In an at-fault system, the driver who causes the crash is responsible for paying for damages and injuries.

Mississippi follows the at-fault system, meaning the driver responsible for the accident is financially liable through their insurance. Without coverage, this can result in complex paperwork and out-of-pocket expenses.

MS Real ID

Driving with an expired tag isn’t the only way to get in trouble on Mississippi roads.

All drivers in Mississippi are required to have a valid state driver’s license, unless exempt due to military service or enrollment in college. Even if exempt, you must have a valid license from your home state.

Real ID Definition Card: best car insurance in Mississippi

New residents—not tourists, active-duty military, or out-of-state students—have 30 days from establishing residency to update their license.

The Mississippi Department of Public Safety lists Driver’s License Office locations on its website. If you’re over 18 and applying for a Mississippi license, bring:

  • Proof of insurance
  • Completed Driver’s License Application
  • Two documents proving residency
  • Original birth certificate
  • Out-of-state permit, if applicable

You will undergo a vision screening at the office. If it’s your first license, a written or road test may be required.

Negligent Operator Treatment System

Mississippi does not use a point system, but unsafe driving can still result in fines, license suspension, or revocation. Major violations include:

  • DUI (alcohol or drugs)
  • Reckless driving
  • No or inadequate insurance

Understanding car insurance helps you avoid penalties. It protects you financially and keeps you legally compliant. Without proper coverage, you risk incurring fines and legal issues, so it’s essential to understand your policy and meet the required limits.

Mississippi Car Insurance Laws

Most states have unique driving laws, and Mississippi is no exception. Some apply statewide, while others are specific to a local area.

In Brandon, it’s illegal to block a pedestrian’s path with a pickup truck.
In Oxford, driving around the town square more than 100 times consecutively is against the law.

Mississippi doesn’t have only quirky laws—the legislature regularly updates rules on seatbelt use, lane driving, and more.

Vehicle Licensing Laws

To keep roads safe, Mississippi law requires all motorized vehicles to be registered. New residents have 60 days to register, unless they are exempt due to active military service or enrollment in an out-of-state college. Even if exempt, you must keep valid insurance and registration from your home state. To register a vehicle in Mississippi, you’ll need:

  • A valid driver’s license
  • Vehicle title or lien paperwork
  • Out-of-state registration
  • Odometer reading

Go to your local tax office to register—unless your vehicle has a GVW over 10,000 pounds. Failing to maintain a valid registration can result in fines and legal consequences. Read more to learn about penalties for driving without a license.

The Mississippi Department of Public Safety offers an online portal where drivers can renew licenses, request driving records, or pay licensing fees. Non-U.S. citizens must provide the following to get a Mississippi driver’s license:

  • Translated birth certificate by an approved translator or a state university
  • Passport
  • I-94 printout
  • Proof of address
  • Alien residency card, if applicable

Mississippi participates in the REAL ID program, which allows federal agencies to accept state-issued licenses at federal buildings and nuclear facilities. Driving without a license in Mississippi can result in:

  • Fines from $200 to $500 and/or 2 to 6 months in jail
  • A $5 to $250 fine if you have a valid license but aren’t carrying it

Don’t risk penalties over something as simple as forgetting your license.

DUI Laws

In 2017, Mississippi had 7,642 DUI incidents, according to Responsibility.org. Penalties for DUI offenses include:

  • First Offense: Fines from $250 to $1,000 and up to 48 hours in jail
  • Second Offense: Fines from $600 to $1,500 and 5 days to 6 months in jail
  • Third Offense: Fines from $2,000 to $5,000 and 1 to 5 years in jail

You may also lose your license for 120 days after the first offense and up to 10 years after the fourth. The takeaway: It’s not worth the risk. Use a rideshare, taxi, or designate a driver. Responsible driving helps avoid accidents and keeps insurance rates low.

Marijuana-Impaired Driving Laws

Mississippi has strict laws and penalties for driving under the influence of marijuana. Penalties include:

  • First Offense: Fine from $250 to $1,000, up to 48 hours in jail, and a possible 90-day license suspension
  • Second Offense (within 5 years): Fine from $600 to $1,500, 5 days to 1 year in jail, 10 days of community service, and 1-2 year license suspension
  • Third Offense (within 5 years): Felony charge, fine from $2,000 to $5,000, 1-5 years in jail, vehicle seizure, and 5-year license suspension

Avoid impaired driving to stay safe and keep insurance premiums low.

Distracted Driving

Mississippi has laws in place to prevent distracted driving and keep its roads safer. While talking on your cell phone isn’t prohibited, using handheld devices is restricted. You cannot text, access, read, or post on social media while driving. Hands-free devices or voice commands are allowed, as well as accessing emergency, traffic, or weather alerts.

Violating these laws could result in a $100 fine. To avoid distractions, keep your hands on the wheel and eyes on the road.

Seatbelt and Car Seat Laws

Mississippi sets minimum car insurance requirements to protect drivers and passengers. Understanding the various types of coverage helps you select the most suitable policy.

The state also enforces seatbelt laws. According to IIHS:

  • All passengers 7 and older must wear a seatbelt
  • Children 3 and under must be in a child restraint
  • Children aged 4–7, who are under 57 inches or weigh less than 65 pounds, must use a booster seat
  • Children over 65 pounds or taller than 57 inches may use adult seatbelts

Although rear-facing seats are not legally required, the back seat is generally considered the safest place for children.

Seatbelt violations are a primary offense and result in a $25 fine, plus any additional fees that may apply.

Keeping Right and Moving Over

Mississippi bans driving in the left lane unless you’re passing, turning left, or moving at a speed that won’t slow traffic. The state also enforces a Move Over law to protect law enforcement and emergency workers stopped on the road.

If you can’t move over for roadside workers, including construction and safety crews, you must slow down. It’s the law.

Average speed Limit

Mississippi enforces speed limits to maintain road safety. Key limits include:

  • 70 mph on rural freeways and interstates
  • 65 mph on four-lane divided highways
  • 60 mph on interstates in urban areas
  • 45 mph for trucks and trailers in bad weather

Residential and school zone limits vary by city and county, so be sure to watch for signs. Speeding can lead to fines up to $100, up to 10 days in jail for a first offense, and possible license suspension. Follow speed laws and learn how to drive safely to avoid accidents and keep your insurance rates low.

Ridesharing

In 2016, Governor Phil Bryant signed H.B. 1381, the Ridesharing Law, which requires:

When a driver is logged into a ridesharing app but not carrying passengers, they must have at least $50,000 in bodily injury coverage per person, $100,000 per accident, and $25,000 in property damage coverage.

You’re covered if you’re a passenger in a rideshare vehicle or involved in an accident with one at fault. If you plan to use your vehicle for ridesharing, notify your car insurance company.

Automation on the Road

In Mississippi, operating a vehicle with a safety driver is legal. The state is expanding its use of autonomous vehicles on public roads and in trucks.

Mississippi works with federal agencies to ensure road safety for all users, no matter who or what is driving. Top car insurance companies in Mississippi offer coverage for both traditional and autonomous vehicles.

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Vehicle Thefts

The most stolen vehicle in Mississippi, according to the National Insurance Crime Bureau (NICB), is the 1994 full-size Chevrolet pickup truck.

Top 10 Most Stolen Vehicles in Mississippi

Make/ModelRankVehicle YearThefts
Chevrolet Pickup (Full Size)11994286
Ford Pickup (Full Size)22006278
Nissan Altima32015128
Chevrolet Impala42006114
GMC Pickup (Full Size)52000103
Toyota Camry6201494
Honda Accord7200791
Dodge Pickup (Full Size)8200585
Chevrolet Malibu9201573
Chevrolet Tahoe10200568

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Even if your vehicle isn’t on the list, it’s a good idea to explore your coverage options. Comprehensive car insurance can protect against theft, vandalism, and natural disasters, helping you stay fully covered in Mississippi.

Number of Vehicle Thefts by City

Now that you know which vehicles are most targeted, it’s important to understand what car insurance covers. This helps you choose the right provider, coverage amount, and policy type. Use this information to find the best car insurance in Mississippi for your needs.

Check out the FBI data below, which shows the top 10 Mississippi cities with the highest vehicle theft rates.

Updated 2023-2024 Motor Vehicle Theft Statistics for Major Mississippi Cities

CityMotor Vehicle Thefts (
Jackson755 (as of October 7, 2024)
Meridian130
Biloxi205
Gulfport33
Hattiesburg174
Vicksburg75
Southaven300
Pascagoula75
Olive Branch28
McComb20

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Just because Jackson tops the list doesn’t mean it’s dangerous—car theft is often a crime of opportunity, and with more cars, there are more chances for theft. Regardless of where you live, comprehensive coverage is a wise choice when looking for the best car insurance in Mississippi.

Number of Road Fatalities in Mississippi

Every driver knows the risk of not returning from the road, but no one wants to face it. However, there are ways to increase your chances of survival on Mississippi’s roadways. Knowing the best Mississippi car insurance companies helps reduce the financial risks of car accidents claims, while practicing safe driving techniques is also crucial.

Number of Fatal Crashes by Weather and Light Conditions in Mississippi

Weather can change quickly, or the sun might hit your eyes just right—common challenges every driver faces.

The table below illustrates the impact of these everyday factors on road safety.

Traffic Fatalities by Weather and Light Conditions

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal17,1088,11810,3501,4969237,164
Rain1,008624846109142,601
Snow/Sleet230102174270533
Other151862804612575
Unknown678222459652171,641
Total19,1759,15212,1091,74333542,514

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Most traffic fatalities in Mississippi occur during daylight, with nighttime accidents close behind. Rainy conditions also pose serious risks. Regardless of the time of day, safe driving is essential. These tips include driving defensively and staying alert to protect yourself and your passengers.

Number of Fatalities by County

Knowing how dangerous driving is in your county can explain why your rates may be higher than your neighbors’.

Crash data from the NHTSA shows the five-year trend for fatalities in the top 10 counties in Mississippi.

Traffic Fatalities by Top 10 Mississippi Counties

Mississippi Counties by Ranking2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities2019 Fatalities2020 Fatalities2021 Fatalities2022 Fatalities2023 Fatalities
Hinds County2831474645434048504644
Harrison County2423282134302835373331
DeSoto County1719242423222025262423
Jackson County1828202723211924252221
Lee County1920141923201822232120
Rankin County2118161922191721222019
Panola County1511101221181620211918
Pike County911151320171518191716
Forrest County89151018161417181615
Marshall County1414171617151316171514

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These statistics are not meant to alarm, but to raise awareness. Staying safe on the road requires caution and consistent habits.

Number of Urban vs. Rural Traffic Fatalities in Mississippi

Rural and urban driving are very different. While more people typically mean more accidents, in Mississippi, most fatalities occur in rural areas.

912-MS-rural-urban-fatalities-2019-10-24.csv

Traffic Fatalities2018201920202021
Rural16,41016,34016,34017,103
Urban19,49920,44622,15325,598

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Wide-open roads often lead to speeding and raise the risk of animal strikes. Slowing down and staying alert for debris or wildlife can save lives—and help lower your insurance rates.

Distracted pedestrians and deadly accidents are a risk everywhere, so stay alert whether you’re driving or walking.

Number of Traffic Fatalities by Person Type in Mississippi

You might wonder if you’re more likely to be involved in a fatal crash. NHTSA data shows white non-Hispanic individuals are most often involved, but crashes can happen to anyone.

Regardless of your background, driving safely and staying alert protects everyone. Practicing car accident preparedness helps you react quickly when the unexpected happens.

Number of Fatalities By Crash Type

Despite the popularity of pick-up trucks in Mississippi, NHTSA data shows that passengers in regular vehicles face the highest risk of fatality, often in single-vehicle crashes.

This highlights how distractions and poor decisions made alone can have serious consequences. Staying sober, putting away your phone, and focusing on the road can help prevent tragedy.

Read More: Crashing Into Another Car You Own: What Happens?

Number of Fatalities Involving Speed in Mississippi

Even laid-back Mississippians can be in a hurry, but rushing can lead to serious accidents.

The table below shows which counties have the highest number of speed-related fatalities, with Harrison and Hinds topping the list.

913-MS-Speeding-Fatalities-2019-10-24.csv

County2013 Speeding Fatalities2014 Speeding Fatalities2015 Speeding Fatalities2016 Speeding Fatalities2017 Speeding Fatalities
Adams02110
Alcorn10210
Amite10001
Attala10300
Benton10001
Bolivar21220
Calhoun00020
Carroll00000
Chickasaw00210
Choctaw01000
Claiborne11010
Clarke12000
Clay00100
Coahoma10000
Copiah81000
Covington12300
Desoto62478
Forrest00122
Franklin00000
George21021
Greene02110
Grenada20002
Hancock21300
Harrison861133
Hinds451086
Holmes00100
Humphreys00000
Issaquena02000
Itawamba01100
Jackson54351
Jasper00021
Jefferson00000
Jefferson Davis41000
Jones14421
Kemper00200
Lafayette10000
Lamar43000
Lauderdale32321
Lawrence11000
Leake10310
Lee53200
Leflore02000
Lincoln44111
Lowndes14010
Madison36420
Marion00301
Marshall22320
Monroe32130
Montgomery10010
Neshoba00121
Newton30130
Noxubee00011
Oktibbeha20010
Panola52012
Pearl River53531
Perry10000
Pike01133
Pontotoc10411
Prentiss00010
Quitman10010
Rankin44226
Scott22021
Sharkey00000
Simpson11120
Smith01001
Stone42001
Sunflower10000
Tallahatchie20000
Tate13002
Tippah02100
Tishomingo01001
Tunica10000
Union11002
Walthall02100
Warren21101
Washington01125
Wayne10100
Webster30110
Wilkinson00000
Winston11010
Yalobusha30010
Yazoo00000

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The data shows that Harrison and Hinds counties have the most speed-related fatalities.

Number of Fatalities Involving an Alcohol-Impaired Driver in Mississippi

That last drink at a celebration isn’t worth your life. The table below shows alcohol-related fatalities by county, with DeSoto and Hinds leading.

914-Imported-from-Manual-Input-2019-10-24.csv

County2013 Alcohol Fatalities2014 Alcohol Fatalities2015 Alcohol Fatalities2016 Alcohol Fatalities2017 Alcohol Fatalities
Adams44111
Alcorn22122
Amite23120
Attala10100
Benton11102
Bolivar42411
Calhoun10220
Carroll02111
Chickasaw12201
Choctaw00000
Claiborne32342
Clarke20101
Clay11210
Coahoma31211
Copiah32423
Covington32202
Desoto510645
Forrest31523
Franklin10100
George41621
Greene11101
Grenada51110
Hancock41321
Harrison1267310
Hinds7915118
Holmes52302
Humphreys10102
Issaquena00000
Itawamba21113
Jackson56586
Jasper11121
Jefferson10001
Jefferson Davis50110
Jones44301
Kemper12133
Lafayette31334
Lamar42004
Lauderdale35343
Lawrence31113
Leake24022
Lee65632
Leflore12022
Lincoln67321
Lowndes22302
Madison16433
Marion32101
Marshall24733
Monroe33032
Montgomery13000
Neshoba10432
Newton21110
Noxubee00000
Oktibbeha40101
Panola63225
Pearl River52422
Perry20001
Pike25634
Pontotoc25211
Prentiss22264
Quitman21120
Rankin56421
Scott41211
Sharkey00001
Simpson22022
Smith11032
Stone31222
Sunflower21101
Tallahatchie11100
Tate12363
Tippah11214
Tishomingo21013
Tunica33211
Union43001
Walthall11120
Warren62341
Washington33117
Wayne20101
Webster10100
Wilkinson02010
Winston01101
Yalobusha30001
Yazoo13301

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If you live in these areas, encourage friends and family to use a rideshare service or app instead of driving impaired. For more information, check out cheap rideshare auto insurance.

EMS Response Time

If you’re in a crash, response time matters. In Mississippi, EMS arrives in about seven minutes for both urban and rural areas, according to NHTSA data. With around 600 fatal crashes a year, a quick response is crucial.

Mississippi’s Transportation System

Cars aren’t the only way to get around in Mississippi—its rural highways are also ideal for cyclists. Regardless of your travel method, having the right insurance is essential for staying protected.

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Car Ownership

According to Data USA, the typical household in Mississippi owns two cars. Owning two cars means double the insurance cost, so ask about a multi-car discount to save.

Car Ownership Infographic: best car insurance in Mississippi

Other discounts to consider include military discounts, student discounts, and safe-driver discounts It never hurts to ask about available savings.

Average Commute Time in Mississippi

Another way to save money when purchasing the best car insurance in Mississippi is to understand how car insurance works and know how much your commute costs you each day.

According to Data USA, the average commute time in Mississippi is approximately 25 minutes.

Average Commute Time Infographic: Best Car Insurance in Mississippi

Commuting costs time and money, so it’s nice to save a few bucks by sharing the load.

Commuter Transportation

Getting to work can be a real hassle, which is why many of us wish for a dream job that allows us to work from home.

Commuter Transportation Infographic: Best Car Insurance in Mississippi

According to Data USA, the majority of Mississippians drive alone, which increases traffic and the risk of accidents.

If you’re involved in a crash, having the best car insurance in Mississippi ensures you have the support you need. To avoid accidents, follow these safe driving tips to keep your insurance and car secure.

Traffic Congestion Levels in Mississippi

More cars mean more than just accidents—they also lead to congestion. INRIX reports U.S. commuters lose about 97 hours a year to traffic, costing around $1,350 each, totaling $87 billion nationwide.

Reduce congestion and cut costs—simple schedule shifts can lower accident risks and help you save on the best car insurance in Mississippi.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

Mississippi drivers are fortunate—none of the state’s towns or cities appear on INRIX’s list of the most congested. However, if you’ve been on I-55 or I-20 at rush hour, it might be hard to believe. Driver behavior is a significant contributor to congestion.

Even small choices, such as leaving five minutes earlier or later, can help reduce traffic. Avoiding peak hours—7:00–9:00 a.m. and 4:00–6:00 p.m.—can ease your commute and reduce accident risks. Fewer accidents lead to lower gas costs and car insurance premiums.

Getting Mississippi’s Best Car Insurance

Get the best car insurance in Mississippi from Farmers, Allstate, and Progressive with their storm coverage, price, and service. Farmers is top notch with weather-related claims and 24/7 support during hurricane season. Allstate has an accident forgiveness program that will not increase your rates after your first at-fault accident.

Progressive has the lowest rates for young drivers and a robust telematics car insurance program. When looking for the average car insurance costs in Mississippi, drivers should compare multiple quotes online to find the best coverage for their situation. Enter your ZIP code to find the best rates in your area.

Frequently Asked Questions

What are the average car insurance rates in Mississippi?

The average monthly premium for full coverage in Mississippi is approximately $167 per month.

What insurance company offers cheap auto insurance in MS?

Geico offers some of the lowest rates, with an average Mississippi car insurance cost of $72 per month.

How does my driving record affect my insurance rates?

Maintaining a clean driving record is crucial; infractions can lead to higher premiums. Factors that affect the price of car insurance include driving history, location, and the type of vehicle. For instance, drivers with at-fault accidents may see increased rates with certain insurers.

Are there discounts available for safe driving in the state of Mississippi?

Yes, many insurers offer discounts for safe driving. For example, State Farm provides competitive rates for drivers with clean records.

What factors influence car insurance premiums in Mississippi?

Key factors include your age, driving history, location, and the type of coverage you select. Younger drivers and those with less experience may face higher rates.

Is minimum coverage sufficient for most drivers in Mississippi?

While minimum coverage meets legal requirements, it may not provide comprehensive protection in the event of an accident. The different types of car insurance coverage offer varying levels of protection, so it’s essential to assess your personal needs to determine adequate coverage.

How can I lower my car insurance costs in the state of Mississippi?

Comparing quotes from multiple insurers, maintaining a clean driving record, and inquiring about available discounts can help reduce your premiums.

Read More: How to Lower Your Car Insurance Cost

Does credit history impact car insurance rates in Mississippi?

Yes, insurers often consider credit history when determining rates. Maintaining good credit can lead to more favorable premiums.

Are there specialized insurance options for high-risk drivers in Mississippi?

Progressive offers tailored policies for high-risk drivers, including those with DUIs, with relatively modest rate increases.

How does Mississippi’s car insurance market compare nationally?

Mississippi’s average premiums are slightly higher than the national average, with rates influenced by factors such as rural driving conditions and regional risks. Enter your ZIP code to find the best rates in your area.

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<h3>Car Insurance Monthly Rates by State & Coverage Level</h3>
Average Monthly Car Insurance Rates by Age & Gender in Mississippi
Factors Affecting Car Insurance Rates in Mississippi
<h3>Car Insurance Monthly Rates by State & Coverage Level</h3>
Average Monthly Car Insurance Rates by Age & Gender in Mississippi
Factors Affecting Car Insurance Rates in Mississippi