Best Car Insurance in Mississippi

Last Updated on January 2, 2026

Mississippi’s cost of living is lower than many states, but car insurance can still feel pricey. Recent studies put Mississippi full-coverage premiums roughly in the $1,500–$2,300 per year range, depending on the dataset and methodology (and your own driver profile).

Why the wide range? Average rates shift constantly with inflation, repair costs, medical costs, catastrophe losses, fraud trends, and how a study defines “full coverage.” If you’re shopping today, the best approach is to compare quotes and focus on the mix of price + claims service + coverage features that fits your situation. If you’re wondering why Mississippi can be expensive in the first place, this explains common drivers of higher premiums: pay higher rates for car insurance than average.

You can often lower your bill quickly by stacking discounts, choosing the right deductibles, and shopping around at renewal. Start here for practical ways to cut costs: save money on car insurance.

KEY TAKEAWAYS

1. Mississippi Rates Vary a Lot: Statewide “averages” are only a rough guide—your ZIP code, vehicle, and driving history can change your price dramatically.
2. Minimum Coverage Is 25/50/25: Mississippi’s required liability limits are $25,000/$50,000/$25,000, but many drivers choose higher limits for better protection.
3. Uninsured Driving Can Trigger Big Penalties: Driving without insurance can lead to fines, a possible license suspension, and an SR-22 requirement depending on your case.
4. Shopping Around Is the Fastest Way to Save: Compare multiple quotes at renewal, keep coverage consistent while comparing, and stack discounts to reduce your premium.

Top Auto Insurance Companies in Mississippi

Comparing quotes online is easier than ever, but “cheapest” depends on your age, ZIP code, vehicle, driving record, credit-based insurance score (where permitted), and coverage choices. Below are consistently popular, widely available options in Mississippi—plus a strong local pick—based on factors like financial strength, coverage options, customer experience, and typical competitiveness for many driver profiles.

For a broader national comparison list, see our roundup of best car insurance companies.

1. GEICO

GEICO is a go-to for shoppers who want a fast quote experience, strong digital tools, and rates that are often competitive—especially for drivers with clean records. If price is your top priority, this breakdown explains when GEICO tends to be the cheapest and what to watch for when comparing coverage.

2. USAA

If you qualify, USAA is frequently one of the best values for customer satisfaction and claims handling, with rates that are often hard to beat. Confirm whether you’re eligible here: qualify for USAA membership.

3. Mississippi Farm Bureau

As a well-known local option, Mississippi Farm Bureau is popular with drivers who like nearby agents and a community-based approach. You typically pay a membership fee to join, then shop policies like auto and home. Here’s our deep dive: Mississippi Farm Bureau.

4. State Farm

State Farm is a strong fit if you want a large agent network, bundling opportunities, and solid coverage add-ons. Rates can be especially competitive for drivers who bundle home/renters and auto or who qualify for multiple discounts.

5. Progressive

Progressive often shines for drivers who need flexibility (customizable coverage, easy online policy changes) and for some higher-risk profiles. It’s also a common choice for shoppers comparing multiple rate tiers and deductible combinations.

6. Nationwide

Nationwide is worth a quote if you want a well-established carrier with a broad lineup of coverage options and a reputation for stability. It can be especially competitive for bundled households and drivers who qualify for multiple discounts.

7. Alfa

Alfa is a regional carrier known across parts of the South. It can be a strong option if you prefer a more local feel than some national brands. If you’re considering them, start with this overview: Alfa.

8. Shelter

Shelter is another regional insurer that often appeals to drivers who want agent support and straightforward coverage. Here’s what to know before you buy: Shelter.

9. Travelers

Travelers can be a great fit for drivers who value coverage options and bundling (especially home + auto). It’s also known for a long list of potential ways to save—see common discounts that may apply.

10. Allstate

Allstate is a solid option if you want robust policy customization, a large service footprint, and access to multiple discount programs. It can be especially attractive for drivers who qualify for safe-driving, bundling, or vehicle-based discounts.

Mississippi Minimum Car Insurance Requirements

Mississippi requires drivers to carry 25/50/25 in liability coverage:

• $25,000 of bodily injury liability per person
• $50,000 of bodily injury liability per accident
• $25,000 of property damage liability per accident

Liability coverage pays for injuries and damage you cause to others. That can include another driver and passengers, damage to vehicles or property, and situations like collisions with pedestrians.

These limits are the legal floor, not necessarily “enough.” For many households, higher limits are a smart upgrade—especially because medical bills and vehicle repair costs have risen sharply in recent years. If you’re deciding between policy types, this explains how minimum coverage options compare to stronger protection.

You can also add protection beyond liability, such as comprehensive and collision (often required by lenders), plus options like roadside assistance and uninsured/underinsured motorist coverage. Here’s a helpful guide to additional, optional coverages.

Driving Without Insurance in Mississippi

Driving without insurance in Mississippi is illegal, and an officer can request proof of insurance during a traffic stop or after a crash.

Penalties can be serious and may include fines, a license suspension, and an SR-22 requirement depending on your case.

• Fines (up to $1,000 in some cases)
• Possible license suspension (up to one year or until proof is shown)
• Possible misdemeanor conviction
• Possible requirement to file an SR-22

If you’ve had a lapse or are worried about one, read this guide on driving without insurance and how to reduce the damage (financially and to your future rates). Some drivers may also need proof of financial responsibility to get back on the road legally.

Car Insurance in Mississippi After a DUI

A DUI almost always leads to higher premiums because insurers treat it as a major risk factor. Here’s what typically happens to your bill: car insurance rates to rise. How long it impacts you depends on the insurer and state rules, but it’s common for it to affect pricing for several years—see: last for 3 to 5 years.

If you need coverage after a DUI, your best move is to compare multiple carriers and ask about any programs for higher-risk drivers. Start with this guide to relatively cheap rates even after a DUI conviction.

Car Insurance After an At-Fault Accident

An at-fault accident can raise rates at renewal, and the impact may last for multiple policy terms. To keep costs down, focus on shopping around (especially at renewal), adjusting deductibles thoughtfully, and asking about accident forgiveness if it’s offered.

Car Insurance With Speeding Tickets

One minor ticket may not move the needle much, but multiple tickets (or a major speeding violation) can push you into a higher-risk bracket. If you’re shopping with violations, use this playbook for finding deals: requesting a quote.

Car Insurance for Young Drivers in Mississippi

Young drivers are expensive to insure because insurers see more claims frequency and severity in the under-25 group. Rates often start to ease as drivers gain experience—many people notice a drop as they move toward their mid-20s. Here’s the common benchmark explained: Drivers under 25.

To reduce costs, consider: joining a family policy when allowed, taking advantage of good-student and telematics discounts, choosing a lower-cost vehicle to insure, and comparing quotes every renewal. If you’re shopping specifically for younger drivers, start here: young drivers.

Car Insurance With Poor Credit

In many states, insurers use credit-based insurance scores as one pricing factor, and drivers with lower scores may pay more. Here’s how it works and why it matters: use credit score to calculate premiums. If you’re in this bucket, you’ll usually save the most by comparing multiple insurers—some weigh credit more heavily than others.

SR-22 Insurance in Mississippi

An SR-22 isn’t a type of insurance—it’s a form your insurer files to prove you meet the state’s requirements after certain violations (like driving uninsured, serious tickets, or repeat offenses). If required, you’ll need to keep it on file for the period ordered by the state or court. Learn the timelines and what can extend them here: need SR-22 insurance.

Most standard insurers can file an SR-22, but not all will write the underlying policy for higher-risk drivers. Filing fees are commonly modest (often around $25–$50), but the bigger cost is usually the higher premium. If you’re trying to keep the total cost down, start with this guide to best SR-22 insurance.

FAQs About Car Insurance in Mississippi

Conclusion: How to Find the Best Car Insurance in Mississippi

Car insurance prices in Mississippi vary widely by driver, but you can usually find savings by comparing quotes, selecting smart deductibles, and stacking discounts. Start with 3–5 quotes, confirm you’re comparing the same coverage limits, and prioritize an insurer you trust to handle claims well—not just the lowest monthly bill.

If you’re ready to shop, start with the companies above and re-check your options at every renewal—loyalty doesn’t always pay in auto insurance.