Best Cheap Car Insurance In Mississippi 2024 (2024)

Finding Cheap Car Insurance in Mississippi

Comparison shopping to find cheap car insurance in Mississippi shouldn’t be a huge project. We evaluated insurers in Mississippi to find the lowest options.

Cheap Mississippi Car Insurance for Good Drivers

Direct General and USAA are the cheapest Mississippi car insurance companies for good drivers, among the companies we analyzed.

Cheap Car Insurance in Mississippi for Drivers With a Speeding Ticket

A speeding ticket increases car insurance rates by 23% in Mississippi. The exact rate increase will depend on the insurance company. Even though you’ll face higher insurance rates, you can still compare quotes for the best car insurance.

Safeway and USAA have the cheapest average costs for drivers with a speeding ticket in Mississippi, so make sure to get quotes from those companies if you’re shopping for Mississippi auto insurance and have a speeding ticket on your record.

Cheap Mississippi Car Insurance for Drivers Who Caused an Accident With Injury

Causing a car crash that injures someone will make it difficult to find cheap car insurance. Our analysis found an average increase of 48% in Mississippi compared to drivers with a good driving record.

If you cause an accident with an injury, Safeway and Travelers may have the most competitive rates among the companies in our analysis.

Cheap Mississippi Car Insurance for Drivers With a DUI

Car insurance premiums in Mississippi go up an average of 62% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.

The cheapest Mississippi car insurance companies for drivers with a DUI are Safeway and Travelers, among the insurers we analyzed.

Cheap Mississippi Car Insurance for Drivers With Poor Credit

Mississippi car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 80% more for car insurance in Mississippi.

Safeway and Travelers may be good choices if you’re looking for cheap Mississippi auto insurance and you have poor credit.

Cheap Mississippi Car Insurance for Adding a Teen Driver

Adding a teen to your insurance policy increases rates by an average of 76% in Mississippi, compared to rates for a married couple without a teen driver.

Check quotes from Progressive and Mississippi Farm Bureau if you’re looking for cheap car insurance for teens in Mississippi.

Cheap Mississippi Car Insurance for Young Drivers Ages 18 to 25

Buying your own car insurance is a pricey entry into adulthood. Our analysis found that USAA and Nationwide offer the cheapest Mississippi car insurance for young drivers.

Cheap Mississippi Car Insurance for Senior Drivers Ages 60-80

Nationwide and Direct General offer the best car insurance for seniors who are looking for low costs in Mississippi. Senior drivers should also find out if there’s a discount for taking a defensive driver class.

Older Adult Driver Discount in Mississippi

Mississippi auto insurance companies must offer an older adult driver discount to motorists who are age 55 and over and complete an approved defensive driving course that includes a written exam. To qualify, you must be the principal operator of the vehicle.

The discount is in effect for up to three years. Insurance companies also offer other car insurance discounts, but the older driver discount is the only one mandated in Mississippi.

Least Expensive Vehicles for Insurance in Mississippi

You can potentially save money on car insurance with the right type of vehicle. In Mississippi, the Jeep Wrangler JL Sport, Subaru Crosstrek and Honda CR-V LX are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive cars to insure are below.

Cars with the most expensive insurance in Mississippi among popular models are the Tesla Model S Performance ($4,622 per year) and the Volvo XC90 T8 Inscription ($2,857 per year).

Required Minimum Mississippi Car Insurance

You are required to carry liability car insurance in Mississippi. This is essential coverage that pays for property damage and injuries you cause to others. It also pays for a legal defense if someone files a lawsuit against you because of a car accident.

Car owners in Mississippi must buy liability coverage with limits of at least:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident
• $25,000 for damage to property in one accident

You’ll see this written as 25/50/25.

It’s a good idea to buy higher liability limits than the required amount. If you cause an accident with multiple injuries, medical bills could quickly exceed the minimum policy limits and you could be sued for the rest. It’s worth buying enough liability insurance to protect your assets and savings.

What Other Insurance Should I Have in Mississippi?

Uninsured/Underinsured motorist coverage. Uninsured motorist coverage(UM) pays medical bills if you’re hit by a driver who doesn’t carry liability car insurance. Underinsured motorist coverage (UIM) is similar and can be used if you’re hit by a driver who doesn’t carry enough insurance to cover others’ injuries.

Car insurance companies in Mississippi are required to offer UM/UIM insurance, but you can reject them in writing. Generally, these are good coverage types to have.

Medicalpayments (MedPay). This coverage pays for medical and funeral expenses for you and your passengers for injuries sustained in a car accident, no matter who caused the accident.

Collision and comprehensive coverage. These types cover repairs for your car for a wide range of problems, like car accidents, riots, hail, floods, fire, falling objects, vandalism and collisions with animals. Comprehensive coverage also pays for car theft.

If you lease your car or have a loan, the leasing company or lender will likely require that you carry both collision and comprehensive coverage.

Summary: Required Mississippi Auto Insurance

Can I Show My Insurance ID Card from My Phone?

Drivers in Mississippican use mobile phones to show an auto insurance ID card. Many auto insurers have mobile apps that include access to this proof of insurance. And you don’t have to keep track of a paper copy.

Factors Allowed in Mississippi Car Insurance Rates

In addition to a driving record, past claims and vehicle model, car insurance companies in Mississippi can use these factors in calculating rates.

Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.

How Many Uninsured Drivers are in Mississippi?

About 29% of Mississippi drivers have no auto insurance, according to the Insurance Research Council. That’s the second-highest rate of uninsured drivers in the U.S., behind Florida. That’s why it’s good to have your own insurance for covering problems from uninsured drivers, including MedPay, collision insurance and/or uninsured motorist coverage.

Penalties for Driving Without Auto Insurance in Mississippi

If you get caught driving in Mississippi without car insurance, you could get a $1,000 fine and have your driving privileges suspended for one year (or until you can show proof of insurance).

When Can a Vehicle Be Totaled in Missisippi?

Insurance companies in Mississippi can declare a car is a total loss if the cost of repairs outweighs the value of the car, unless it’s 10 years old or older, if the car has a value of $1,500 or less, or if it requires replacement of five or fewer minor components.

Help with Mississippi Insurance Problems

The Mississippi Insurance Department regulates insurance companies and takes consumer complaints. If you have an unresolved issue with a car insurance company, you can file an online complaint.

Methodology

To find the cheapest auto insurance companies in Mississippi, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.

State averages for Mississippi are based on rates from Allstate, Direct General, Geico, Mississippi Farm Bureau, Nationwide, Progressive, Safe Auto, Safeway, Shelter, State Farm, Travelers and USAA.