The cheapest full coverage car insurance in Mississippi is $111 , saving you $56 compared to the average cost of insurance in the state, which is around $167 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Mississippi, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Mississippi should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Nationwide offers the cheapest full coverage car insurance in Mississippi at $111 per month.
- Mississippi drivers with a clean driving record pay 41% less for car insurance than drivers with a DUI.
- In Mississippi, the city of Tupelo has the most affordable car insurance rates at $1,757 annually.
- Comparing price quotes from multiple insurers can help you save up to 34% per year on your car insurance policy in Mississippi.
Car insurance companies with cheap car insurance in Mississippi
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for Mississippi drivers at a monthly rate of $111 or $1,331 a year.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Mississippi by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Mississippi per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $111 |
| Travelers | $136 |
| State Farm | $150 |
| Southern Farm Bureau | $161 |
| Progressive | $178 |
| Geico | $184 |
| Shelter Insurance | $206 |
| Allstate | $211 |
| Safeway Insurance | $246 |
| USAA* | $110 |
Note: USAA is only available to military community members and their families.
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Mississippi drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 9% less than single drivers.
- Mississippi drivers with clean records pay 41% less than drivers who have a DUI on their records.
- Mississippi drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Mississippi.
- Adding a teen to your policy will cost you 76% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 24% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest insurers for different coverage levels in Mississippi
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Progressive is the cheapest for a state minimum policy.
- State Farm has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Mississippi.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Mississippi
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Mississippi, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Mississippi, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Progressive | $346 |
| State Farm | $355 |
| Southern Farm Bureau | $383 |
| Geico | $388 |
| Nationwide | $429 |
| Travelers | $457 |
| Safeway Insurance | $492 |
| Allstate | $691 |
| Shelter Insurance | $821 |
| USAA* | $283 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Mississippi
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Below, you’ll see average annual rates for major insurance providers in Mississippi, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| State Farm | $517 |
| Southern Farm Bureau | $540 |
| Nationwide | $563 |
| Progressive | $564 |
| Geico | $622 |
| Travelers | $632 |
| Safeway Insurance | $691 |
| Allstate | $895 |
| Shelter Insurance | $939 |
| USAA* | $422 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Mississippi for full coverage
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Mississippi, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,331 |
| Travelers | $1,636 |
| State Farm | $1,797 |
| Southern Farm Bureau | $1,933 |
| Progressive | $2,131 |
| Geico | $2,210 |
| Shelter Insurance | $2,469 |
| Allstate | $2,527 |
| Safeway Insurance | $2,946 |
| USAA* | $1,320 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Mississippi by driving history
Your driving history impacts insurance premiums in Mississippi, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Mississippi, drivers with a history of such violations typically pay $584 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Mississippi
If you’ve got a speeding ticket on your Mississippi driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,465 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Mississippi.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,361 | $1,465 | 8% | $104 |
| Nationwide | $1,137 | $1,570 | 38% | $433 |
| Geico | $1,434 | $1,858 | 30% | $424 |
| Progressive | $1,538 | $1,947 | 27% | $410 |
| Travelers | $1,432 | $2,060 | 44% | $629 |
| Allstate | $1,995 | $2,211 | 11% | $215 |
| USAA* | $938 | $1,204 | 28% | $266 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Mississippi after a DUI conviction
CarInsurance.com analyzed insurance rates for Mississippi drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,465 . Progressive is the second-cheapest insurer at an average of $2,004 per year.
Drivers with clean driving records can expect to pay an average of 41% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,361 | $1,465 | 8% | $104 |
| Progressive | $1,538 | $2,004 | 30% | $467 |
| Nationwide | $1,137 | $2,048 | 80% | $911 |
| Travelers | $1,432 | $2,149 | 50% | $717 |
| Allstate | $1,995 | $2,728 | 37% | $733 |
| Geico | $1,434 | $4,432 | 209% | $2,998 |
| USAA* | $938 | $1,784 | 90% | $846 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Mississippi
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,622 .
Nationwide is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,643 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,361 | $1,622 | 19% | $261 |
| Nationwide | $1,137 | $1,643 | 45% | $507 |
| Travelers | $1,432 | $1,991 | 39% | $559 |
| Geico | $1,434 | $2,404 | 68% | $970 |
| Progressive | $1,538 | $2,607 | 70% | $1,070 |
| Allstate | $1,995 | $2,953 | 48% | $958 |
| USAA* | $938 | $1,414 | 51% | $476 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Mississippi cities with the lowest auto insurance rates
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
In Mississippi, Tupelo stands out as the city with the lowest auto insurance rates, at an average of $1,757 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Below is a list of cities in Mississippi with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Tupelo | $1,757 |
| Mooreville | $1,760 |
| Guntown | $1,761 |
| Verona | $1,767 |
| Saltillo | $1,768 |
| Blue Springs | $1,769 |
| Mantachie | $1,770 |
| Baldwyn | $1,772 |
| Starkville | $1,775 |
| Fulton | $1,776 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Mississippi?
Shopping around for car insurance quotes in Mississippi can help drivers save 34% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Mississippi: Save on premiums
In Mississippi, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Mississippi below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Anti-theft device | 1% | $27 |
| Daily commute | 4% | $90 |
| Days advanced purchase | 4% | $95 |
| Days per week driven | 4% | $82 |
| Education | 6% | $154 |
| Electronic funds transfer | 3% | $56 |
| Homeowner | 4% | $91 |
| Lower annual mileage | 6% | $126 |
| Loyalty – years renewal with company | 8% | $182 |
| Marital status | 9% | $182 |
| Multi policy | 7% | $152 |
| Paperless/electornic documents | 2% | $32 |
| Payment type | 7% | $175 |
| Primary use | 7% | $141 |
| Profession | 14% | $428 |
| Safety devices | 4% | $115 |
| Telematics | 11% | $224 |
| Years insured | 16% | $436 |
| Years licensed | 22% | $880 |
The bottom line on cheap car insurance in Mississippi
Based on our research, if you are a good driver, Nationwide is the cheapest in Mississippi for a full coverage policy.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Mississippi, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Mississippi for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.