Cheapest Car Insurance In Mississippi (2024)
The cheapest car insurance in Mississippi comes from National General at $30 per month on average.
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As car insurance prices go up, it’s smart for drivers in Mississippi to compare different policies to find the cheapest coverage. Our reviews team has researched the best car insurance companies nationwide. We closely examined the reputation, customer satisfaction, coverage options, and average premiums of all the providers.
In this review, we will discuss effective ways to reduce costs for insurance. We will also inform you about the places where you can find the least expensive car insurance in Mississippi, tailored to your driving profile.
Key Points
- National General is the cheapest car insurance company in Mississippi overall, with an average rate of $30 per month for minimum coverage and $152 per month for full coverage.
- USAA and Progressive also offer affordable car insurance rates for many driver profiles.
- If you are under the age of 25 or have been involved in traffic violations, you will notice car insurance rates that are higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies have varying perspectives when evaluating driver profiles. Therefore, the provider that offers the lowest price for one driver may not be the most affordable option for you. For instance, take a look at the following overview which displays the cheapest auto insurance providers and their rates for various driver profiles in Mississippi.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | National General | $30 | $358 |
| Full coverage | Nationwide | $135 | $1,621 |
| 16-year-olds | Southern Farm Bureau | $139 | $1,667 |
| 45-year-olds | National General | $25 | $299 |
| High-risk drivers | State Farm | $40 | $476 |
| After a speeding ticket | State Farm | $38 | $454 |
| After an accident | State Farm | $43 | $522 |
| After a DUI | State Farm | $38 | $454 |
| Poor credit drivers | National General | $30 | $358 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Mississippi?
In general, we discovered that National General provides the most affordable car insurance in Mississippi for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Mississippi.
These rates apply to drivers in Mississippi who come from various age groups, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Mississippi: National General
Drivers looking for the most affordable coverage that just meets Mississippi state minimum requirements may find it at National General for about $30 per month or $358 per year on average.
| Cheapest Car Insurance in Mississippi | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| National General | $30 | $358 |
| USAA | $33 | $395 |
| Progressive | $34 | $406 |
| State Farm | $34 | $408 |
| GEICO | $39 | $462 |
| Nationwide | $46 | $549 |
| Southern Farm Bureau | $48 | $578 |
| Safeway | $60 | $717 |
| Allstate | $67 | $803 |
| Shelter | $84 | $1,004 |
Cheapest Full Coverage In Mississippi: Nationwide
If you want better coverage at a great price, Nationwide is the best choice. The provider offers full-coverage insurance for an average of $135 per month.
Full-coverage insurance policies in Mississippi generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Mississippi | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Nationwide | $135 | $1,621 |
| National General | $152 | $1,819 |
| USAA | $152 | $1,820 |
| State Farm | $160 | $1,918 |
| Progressive | $164 | $1,971 |
| GEICO | $176 | $2,115 |
| Southern Farm Bureau | $197 | $2,368 |
| Safeway | $220 | $2,643 |
| Allstate | $225 | $2,700 |
| Shelter | $226 | $2,713 |
Cheapest Car Insurance In Mississippi: Age
Below, you’ll find average insurance costs for Mississippi drivers ages 16 to 55 as well as the top five cheapest car insurance companies for each age group. Typically, people aged 30 to 55 are given the lowest auto insurance rates. This is because they have more driving experience and are less likely to be involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $197 | $687 |
| 25 | $53 | $199 |
| 35 | $42 | $162 |
| 45 | $40 | $155 |
| 55 | $38 | $141 |
Cheapest Mississippi Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. This is mostly because these drivers don’t have as much practice driving and are more likely to break the rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Mississippi Car Insurance For 16-Year-Olds: Southern Farm Bureau
If you’re a teen driver or the parent of one, Southern Farm Bureau may be your best bet for finding the most affordable car insurance in Mississippi.
The company’s cheapest average rates for 16-year-old drivers are $139 per month or $1,667 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $380 per month or $4,555 per year from Southern Farm Bureau.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $139 | $380 |
| National General | $140 | $721 |
| State Farm | $143 | $509 |
| Nationwide | $154 | $411 |
| GEICO | $158 | $636 |
| USAA | $160 | $621 |
| Progressive | $193 | $844 |
| Shelter | $255 | $655 |
| Safeway | $303 | $1,084 |
| Allstate | $325 | $1,007 |
Cheapest Mississippi Car Insurance For 25-Year-Olds: National General
Young drivers in their 20s pay much less for car insurance compared to teenagers. However, the rates can still be high for this age group depending on which company you go with.
National General provides the cheapest car insurance costs on average at $33 per month or $396 per year for minimum coverage. Nationwide costs $146 per month or $1,750 per year for full coverage.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| National General | $33 | $167 |
| USAA | $37 | $172 |
| Progressive | $37 | $172 |
| State Farm | $38 | $178 |
| GEICO | $43 | $189 |
| Nationwide | $50 | $146 |
| Southern Farm Bureau | $55 | $216 |
| Allstate | $67 | $238 |
| Safeway | $68 | $243 |
| Shelter | $102 | $270 |
Cheapest Mississippi Car Insurance: Adult Drivers
Auto insurance is usually cheapest for people in their 40s. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Mississippi Car Insurance For 35-Year-Olds: National General
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from National General. The company offers average minimum-coverage costs of $27 per month or $320 per year. For full coverage, Nationwide’s rates average $124 monthly or $1,492 annually.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| National General | $27 | $136 |
| USAA | $29 | $131 |
| State Farm | $30 | $142 |
| Progressive | $31 | $156 |
| GEICO | $34 | $163 |
| Southern Farm Bureau | $41 | $179 |
| Nationwide | $41 | $124 |
| Safeway | $52 | $197 |
| Shelter | $65 | $183 |
| Allstate | $66 | $212 |
Cheapest Mississippi Car Insurance For 45-Year-Olds: National General
Forty-five-year-old drivers may find the most affordable minimum coverage from National General, with average rates of $25 per month or $299 per year. The cheapest full coverage comes from Nationwide at $117 per month or $1,407 per year.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| National General | $25 | $120 |
| USAA | $27 | $121 |
| Progressive | $29 | $141 |
| State Farm | $31 | $139 |
| GEICO | $34 | $163 |
| Nationwide | $40 | $117 |
| Safeway | $40 | $185 |
| Southern Farm Bureau | $41 | $172 |
| Shelter | $65 | $183 |
| Allstate | $66 | $212 |
Cheapest Mississippi Car Insurance For 55-Year-Olds: National General
National General often offers the most affordable car insurance rates in Mississippi for drivers who are in their 50s. The insurer’s average premiums are $25 monthly or $299 annually for minimum coverage. The cheapest full coverage option is from Nationwide, costing $117 monthly or $1,407 annually
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| National General | $25 | $112 |
| USAA | $26 | $114 |
| Progressive | $27 | $123 |
| GEICO | $30 | $142 |
| State Farm | $30 | $131 |
| Nationwide | $39 | $111 |
| Southern Farm Bureau | $39 | $164 |
| Safeway | $47 | $155 |
| Shelter | $54 | $153 |
| Allstate | $68 | $208 |
Cheapest Car Insurance In Mississippi: High-Risk Drivers
Besides the type of coverage and your age, your driving safety greatly impacts the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay more for their car insurance compared to the average rates. This is because they have multiple violations on their driving records. On average, Mississippi motorists who are deemed high-risk may find the most affordable rates from State Farm for minimum coverage or State Farm for full coverage.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $40 | $178 |
| Progressive | $47 | $227 |
| USAA | $54 | $239 |
| National General | $59 | $296 |
| Nationwide | $70 | $234 |
| Southern Farm Bureau | $75 | $277 |
| Safeway | $76 | $264 |
| GEICO | $79 | $354 |
| Allstate | $85 | $296 |
| Shelter | $152 | $411 |
Cheapest Mississippi Car Insurance For Drivers With A Speeding Ticket: State Farm
Drivers with a speeding citation on their record can generally find the most affordable coverage from State Farm, with average rates of $38 per month or $454 per year for minimum coverage and $172 per month or $2,062 per year for full coverage.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $38 | $172 |
| Progressive | $42 | $216 |
| USAA | $43 | $198 |
| GEICO | $50 | $238 |
| National General | $53 | $271 |
| Nationwide | $58 | $187 |
| Southern Farm Bureau | $66 | $250 |
| Safeway | $69 | $239 |
| Allstate | $73 | $249 |
| Shelter | $101 | $275 |
Cheapest Mississippi Car Insurance For Drivers With An At-Fault Accident: State Farm
Getting into a car accident in Mississippi can make your car insurance rates go up. State Farm tends to offer the most affordable rates on average at about $43 per month or $522 per year for minimum coverage and $190 per month or $190 per year for full coverage.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $43 | $190 |
| USAA | $50 | $221 |
| Progressive | $53 | $259 |
| National General | $62 | $295 |
| GEICO | $66 | $311 |
| Southern Farm Bureau | $66 | $256 |
| Nationwide | $68 | $223 |
| Safeway | $77 | $266 |
| Allstate | $98 | $331 |
| Shelter | $158 | $435 |
Cheapest Mississippi Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI conviction, you may find the cheapest minimum car insurance in Mississippi from State Farm for $38 per month or $454 per year on average. They also have rates of $172 monthly or $2,062 annually for full coverage.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $38 | $172 |
| Progressive | $46 | $205 |
| National General | $62 | $321 |
| USAA | $67 | $300 |
| Safeway | $82 | $286 |
| Nationwide | $84 | $292 |
| Allstate | $86 | $306 |
| Southern Farm Bureau | $92 | $324 |
| GEICO | $122 | $513 |
| Shelter | $196 | $522 |
Cheapest Mississippi Car Insurance For Drivers With Poor Credit: National General
People who have bad credit have to pay more money for car insurance. Those who don’t have the best credit history may want to check out National General, which has an average minimum-coverage rate of $39 per month or $465 per year and an average full-coverage rate of $209 per month or $2,512 per year.
| Cheapest Car Insurance in Mississippi | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| National General | $39 | $209 |
| GEICO | $51 | $234 |
| Progressive | $55 | $282 |
| USAA | $57 | $289 |
| Safeway | $60 | $220 |
| Nationwide | $66 | $218 |
| Southern Farm Bureau | $83 | $340 |
| Allstate | $92 | $362 |
| Shelter | $141 | $412 |
| State Farm | $187 | $834 |
Average Cost Of Car Insurance In 10 Mississippi Cities
Your location in Mississippi also affects how much you need to pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are additional vehicles traveling on the streets.
- More car accidents happening at increased rates.
- More instances of breaking traffic laws
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the chances of something bad happening are more common among people who own cars in big cities. That’s why drivers who live in busy cities have to pay the highest amount, on average, for the minimum car insurance coverage. On the other hand, drivers in rural areas with lower crime rates and fewer people will probably have to pay less for their insurance.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Jackson | $53 | $173 |
| Olive Branch | $51 | $153 |
| Brandon | $52 | $156 |
| Meridian | $43 | $152 |
| Gulfport | $56 | $163 |
| Hattiesburg | $48 | $155 |
| Columbus | $41 | $146 |
| Biloxi | $53 | $156 |
| Laurel | $40 | $149 |
| Ocean Springs | $51 | $153 |
Top 5 Car Insurance Companies In Mississippi
Apart from the expenses, we have examined more than 40 insurance companies by considering their coverage, service, and reliability. Our aim was to identify the top five insurers for Mississippi residents. Based on our research, we found National General to be the best provider for most drivers in Mississippi. Here are the ratings for our top picks.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Mississippi
In Mississippi, you have various ways to reduce the amount you pay for your car insurance. These include:
- Opting for minimum coverage: If you just get the least amount of coverage that your state requires, you will have the most affordable car insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several companies can assist you in determining which provider will offer the most favorable offer.
Many insurance companies offer usage-based insurance programs as a way for customers to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may be able to get a significant discount, but certain programs may increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Mississippi Require For Car Insurance?
Drivers in Mississippi must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Mississippi
When it comes to both minimum and full coverage, National General is the best and cheapest car insurance company for most drivers in Mississippi. While the above costs can give you an idea of what you’d pay for car insurance in Mississippi, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer online tools that provide quick and free quotes. Alternatively, you can directly contact an insurance agent or representative from the company. Once you have obtained car insurance quotes from at least three providers, compare them to find the best option for you.
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Best Cheap Car Insurance In Mississippi: FAQ
Here are some frequently asked questions about car insurance in Mississippi:
How much is car insurance per month in Mississippi?
Is Mississippi Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.