You can find the cheapest full-coverage car insurance in Mississippi for $111 a month from Nationwide. It saves you $56 compared to the state average car insurance cost of $167 monthly.
Shopping for car insurance in Mississippi can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Which company offers the cheapest 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 bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Mississippi.
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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Who pays a lower insurance premium in Mississippi?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 9% less than single drivers.
- Mississippi drivers with clean records pay 41% less than drivers who have a DUI on their record.
- 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 companies 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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Mississippi
Mississippi requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
The following table lists Mississippi’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Mississippi insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
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 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.
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 lists major insurance providers in Mississippi based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
Mississippi drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,465 a year, followed by Progressive with an annual premium of $2,004 annually, based on recent data.
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 found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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 Cities with the lowest auto insurance rates in Mississippi
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Tupelo is the city with the lowest premiums in Mississippi at an annual auto insurance rate of $1,757 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your 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 auto insurance in Mississippi?
If you compare car insurance quotes, you could enjoy an annual saving of around 34% on a full coverage policy in Mississippi.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Mississippi: Save on premiums
Mississippi drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Mississippi.
| 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 |
Final thoughts on cheap car insurance in Mississippi
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Mississippi for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Mississippi, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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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.