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Some drivers view car insurance as an unnecessary and unwanted expense, but it can take just one accident to put the value of this coverage into sharp focus. Car insurance can pay your medical expenses if you’re been injured in a crash. If you’ve caused an accident, it can cover the medical costs of other parties who’ve been injured, and it can pay for related property damage. 

Car insurance is required by law in Mississippi. There are 3 million residents in Mississippi, making it the 35th most populous state in the nation. Mississippi covers 46,923 square miles, and according to the Federal Highway Administration, it was home to 2 million licensed drivers in 2016. For every 1,000 of the state’s residents in that year, 675 had a driver’s license. 

Unfortunately, Mississippi drivers are all too familiar with car accidents. There were 27,911 injury crashes in Mississippi during 2015. And when it comes to traffic fatalities, the state ranks as one of the most dangerous places in the country to drive. According to the Insurance Institute of Highway Safety, 23.1 of every 100,000 Mississippi residents died in a car crash in 2017. That’s a higher fatality rate than you’ll find in any other state in the nation. 

Why is it so dangerous to drive in Mississippi? A key contributing factor lies with the fact that Mississippi is a very rural state. Traffic fatalities are more likely on rural roads, since they tend to have higher speed limits and are farther away from hospitals. 

The medical expenses from a serious car accident can be devastating. When you take all the facts into consideration, it becomes clear that having robust car insurance coverage is especially important in a state like Mississippi. In this article, we’ll examine the state’s car insurance laws. We’ll also offer tips and guidance that can help you find the Mississippi car insurance offering the most affordable rates. 

Cheapest Car Insurance Companies in Mississippi

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Mississippi

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Mississippi?

See the Cheapest Car Insurance Companies

There’s good news if you’re a Mississippi resident seeking car insurance: According to our study, the state’s representative car insurance rates are lower than the national average. 

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Across the U.S., average annual representative car insurance rates from the country’s top nine insurers run the gamut from a low of $895 to a high of $1,778. Our study shows that the average annual representative car insurance rate in the U.S is $1,323. 

In Mississippi, representative rates from the nine insurers we included in our research range from $794 to $1,730. So, what’s the average annual representative rate for car insurance in Mississippi? That figure stands at $1,245. 

It’s important to remember that all the rates discussed in this article are representative averages. This means they may differ from the actual premiums paid for your Mississippi car insurance. The cost of your premium will largely depend on factors that are linked to your background and driving history. For example, your age will have an impact, as will your marital status. And if you’ve had an accident or a moving violation, this will likely influence your car insurance rates. 

Mississippi Car Insurance Rates by Age

We wanted to learn more about how age affects car insurance in Mississippi. Our study used representative driver profiles with medium insurance coverage and a clean driving record. Your credit history can impact car insurance rates, and our study used driver profiles with good credit. Our profiles included male and female drivers that log 12,000 miles annually, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study shows that the profile of a 25-year-old male Mississippi driver has an average representative car insurance rate of $1,435. The profile for a 25-year-old female driver in the state has a representative rate of $1,524. 

As our Mississippi driver profiles get older, these representative rates decrease. A male driver profile who is 35 years old will pay an average representative rate of $1,185, and the study rate for a female driver profile in the same age group is $1,197. According to our study, 60-year-old driver profiles pay the lowest representative rates. A male profile of this age pays just $1,071 per year in Mississippi, while a female profile of the same age pays $1,057 annually. 

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,986.24

$1,937.79

$1,640.27

$1,711.85

$1,569.39

$1,535.37

Geico

$973.14

$2,300.41

$843.98

$799.43

$715.31

$715.31

Nationwide

$1,758.45

$1,591.46

$1,414.98

$1,366.21

$1,280.20

$1,190.44

Progressive

$1,644.70

$1,568.93

$1,403.33

$1,519.14

$1,153.44

$1,187.27

State Farm

$1,474.93

$1,306.65

$1,184.51

$1,184.51

$1,077.17

$1,077.17

Travelers

$1,232.06

$1,072.57

$1,066.35

$1,048.47

$996.07

$994.29

USAA

$971.99

$888.04

$744.66

$750.84

$707.56

$699.24

Mississippi Car Insurance Rates by Credit Score

Poor credit can hurt your car insurance rates. We were interested in learning more about the impact that credit score can have on a driver’s annual car insurance premiums. To figure this out, our study used driver profiles in three categories: good credit, fair credit, and poor credit. Our profiles consisted of male and female drivers who are 25, 35, and 60 years old. Each profile drove 12,000 miles each year and had medium insurance coverage, as well as a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our research involving average representative rates, a Mississippi driver profile with good credit will pay $1,245 per year for car insurance. That’s about $250 less than our driver profile with fair credit. A Mississippi driver profile with poor credit will pay an average representative rate of $2,151. That’s just over $900 more than our driver profile with good credit.

Company

Good

Fair

Poor

Allstate

$1,730.15

$2,155.70

$2,430.91

Geico

$1,057.93

$1,237.56

$2,318.62

Nationwide

$1,433.62

$1,553.58

$1,868.78

Progressive

$1,412.80

$1,770.51

$2,538.93

State Farm

$1,217.49

$1,547.48

$2,532.77

Travelers

$1,068.30

$1,244.54

$1,868.62

USAA

$793.72

$972.30

$1,498.05

Mississippi Car Insurance Rates by Driving Record

Many people realize that their driving record can have a potent effect on their car insurance rates. Things like accidents and speeding tickets can cause your rates to rise. 

We took a look at the impact that driving record can have on Mississippi car insurance. Our study used male and female driver profiles aged 25, 35, and 60 with good credit and medium insurance coverage. Our driver profiles accrued 12,000 miles of annual mileage, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study reveals that a driver profile with a clean record in Mississippi will pay an average representative rate of $1,245. For a driver profile with one speeding violation, the study rate increases by about $350. For a Mississippi driver profile with one accident, the average rate in our analysis is about $500 more than the rate paid by a driver profile with a clean record. In Mississippi, a driver profile with a DUI will pay an average representative rate of $2,045. Relative to the representative rate paid by a profile with a clean record, this reflects an increase of $800.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,730.15

$1,923.90

$2,267.44

$2,385.19

Geico

$1,057.93

$2,301.94

$1,606.83

$2,936.51

Nationwide

$1,433.62

$1,631.11

$1,991.64

$2,653.81

Progressive

$1,412.80

$1,852.04

$2,367.54

$1,835.84

State Farm

$1,217.49

$1,317.32

$1,467.06

$1,317.32

Travelers

$1,068.30

$1,242.76

$1,195.68

$1,737.51

USAA

$793.72

$897.52

$1,093.75

$1,447.16

Mississippi Car Insurance Rates by Coverage Type

Most states have minimum insurance coverage requirements. However, many drivers choose to exceed these minimums to ensure that they have enough insurance to protect their assets. To figure out what impact coverage type has on rates, we looked at profiles with three levels of coverage: low, medium, and high. Our study focused on male and female driver profiles aged 25, 35, and 60 who drive 12,000 miles annually and have good credit. Our profiles have clean driving records, and we used the following vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In Mississippi, the average representative rate for a driver profile with low car insurance coverage is $1,160. For a driver profile with medium coverage, the study rate is almost $100 higher: $1,245. The average representative rate for a driver profile with high coverage is $1,331, which is almost a $200 increase over the rate paid by a driver profile with low coverage. 

It’s worth remembering that if you have an accident while driving with minimum coverage rates, you may wind up having to pay more out of pocket. When you consider how dangerous Mississippi’s roads can be, a strong argument can be made for getting coverage that exceeds the state minimum. Medium or high coverage will do a better job of protecting your assets if you have a car accident. And for the driver profiles in our study, this type of coverage requires just a relatively small increase in annual representative rates. 

Company

Low

Medium

High

Allstate

$1,643.95

$1,730.15

$1,829.79

Geico

$979.50

$1,057.93

$1,113.88

Nationwide

$1,347.51

$1,433.62

$1,539.79

Progressive

$1,256.37

$1,412.80

$1,527.93

State Farm

$1,136.00

$1,217.49

$1,342.45

Travelers

$1,020.29

$1,068.30

$1,095.01

USAA

$737.30

$793.72

$870.55

Mississippi Car Insurance Rates by Annual Mileage

Your annual mileage will impact your car insurance rates, and it’s easy to see why. All other things being equal, a person who rarely drives is less likely to have a car crash than someone who is frequently behind the wheel, since an infrequent driver spends less time on the road. 

To understand the relationship between annual mileage and car insurance rates, we looked at two driver profiles. The first drives 6,000 miles annually, and the second puts 12,000 miles on the odometer each year. Our study used male and female driver profiles aged 25, 35, and 60 with medium insurance coverage, a clean driving record and good credit. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study shows that a profile that drives 6,000 miles annually can expect to pay an average representative rate of $1,218 for car insurance in Mississippi. For a driver profile that puts 12,000 miles on the odometer each year, the representative rate rises to $1,245.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,730.15

$1,730.15

Geico

$1,040.28

$1,057.93

Nationwide

$1,433.63

$1,433.62

Progressive

$1,412.80

$1,412.80

State Farm

$1,104.09

$1,217.49

Travelers

$1,068.30

$1,068.30

USAA

$736.54

$793.72

Mississippi Car Insurance Rates by City

Within each state, car insurance rates can vary dramatically from city to city. To get a sense of how these differences affect Mississippi car insurance premiums, we looked at average representative rates across 10 of Mississippi’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Of the cities that we looked at in our research, Jackson has the highest annual representative rate for car insurance: $1,334. Gulfport and Olive Branch aren’t too far behind, with representative rates of $1,279 and $1,269, respectively. There’s great news for those living in Tupelo. With an annual representative rate of $1,106, that city has lower car insurance costs than all the other towns in our survey 

Car insurance rates in a town or city don’t hinge on any single factor. Rates can be influenced by population density and crime levels. Rates may also be impacted by a city’s accident statistics. 

City

Average Rate

Jackson

$1,333.85

Gulfport

$1,278.80

Southaven

$1,261.17

Hattiesburg

$1,189.78

Biloxi

$1,263.18

Olive Branch

$1,268.97

Tupelo

$1,106.20

Meridian

$1,197.68

Greenville

$1,242.59

Horn Lake

$1,245.02

Mississippi Auto Insurance Minimum Coverage Requirements

As with most states in the U.S., Mississippi has minimum coverage requirements when it comes to car insurance. Mississippi requires all drivers to carry a certain amount of liability insurance. These are the minimum required insurance limits in Mississippi:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident

Bodily injury liability can protect you if you cause an accident that injures other people. This type of car insurance will cover claims made by the injured party, and it will help pay for their medical costs. However, body injury liability won’t cover your personal medical costs in this type of accident. 

If you’re at fault in an accident and you’ve caused damage to another person’s vehicle or property, property damage liability insurance will cover the expenses. The repair costs associated with the damaged vehicle or property will be paid by this policy, up to the limits of your coverage. 

Cheapest Car Insurance in Mississippi

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Geico

Single Female Young Adult Drivers

Travelers

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Travelers

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Travelers

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Travelers

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

So, which Mississippi car insurance companies offer the lowest rates? To find out, our study used representative driver profiles that put 12,000 miles on the odometer each year. Our profiles have a clean driving record, along with good credit and medium insurance coverage. Male and female drivers who are 25, 35, and 60 years old are included in our profiles. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are used in our study.

According to our study, the cheapest type of car insurance in Mississippi is low coverage. Among the companies included in our research, USAA offers the best average representative rates for low-coverage insurance, with an annual representative rate of $737. Geico takes second place, with an annual representative rate of $980. With an annual representative rate of $1,020, Travelers has the third-lowest rate in our study. 

If you want to get the best rates, know that you’ll need to avoid tickets and accidents. The lowest rates go to those with clean driving records. Your credit score also plays a role. All other things being equal, policyholders with excellent credit scores enjoy lower rates than those with poor credit

Your rates will also be impacted by your background and driving history. And if you want to save on your rates, you may be able to do so by taking advantage of your affiliations. Some insurance companies offer discounts for those who have affiliations with certain groups. 

Our study indicates that USAA offers the best rates for drivers with a military affiliation. For driver profiles who are seniors, have good credit, or have a clean driving record, Geico offers the best average representative rates. Travelers offers the lowest average representative rates for driver profiles with an accident or a speeding ticket in their driving history. 

Why Car Insurance Rates Vary in Mississippi

Insurance companies don’t arrive at their rates in a random fashion. They use statistics to forecast a driver’s likelihood of experiencing a car accident. These statistics suggest that drivers who have had prior accidents or speeding tickets are more likely to suffer a crash. This is why those drivers typically pay higher rates for car insurance. This holds true not only in Mississippi, but in all states across the country. 

A driver’s age and driving experience can have an impact on how likely that person is to be involved in a car accident. For this reason, older drivers who’ve spent years behind the wheel tend to enjoy the best insurance rates. Statistics also indicate that a driver’s financial history can be a powerful predictor of whether there’s a traffic crash in that person’s future. The numbers show that those with strong credit tend to be safer drivers. That’s why drivers with good credit tend to pay less for car insurance. 

Within each state, insurance rates can vary from city to city. This is shown in the differing average representative rates in Mississippi towns such as Tupelo, Jackson, and Greenville. These differences may be linked to factors such as a town’s accident rates or rates of vehicle theft. 

How to Get the Cheapest Car Insurance in Mississippi

If you want to save money on car insurance in Mississippi, it’s essential that you shop around. There are often big rate differences from one insurance company to the next. Get quotes from at least a couple of providers before making a final decision. 

Willard / Getty Images

It’s also important to be aware of discounts that can save you money. Some insurance providers make affiliation discounts available to those working in certain professions. If you work in medicine, law, or the military, or if you’re employed as a scientist, firefighter, or police officer, you may qualify for a discount with some insurance companies. 

You may also save money by bundling your policies. Bundling refers to the act of buying more than one policy from the same insurance provider. For example, you could receive a discount by buying both your home insurance and car insurance from the same company. And if there’s more than one vehicle in your household, you could get a discounted rate if your buy your car insurance policies from the same provider. 

Be sure to ask questions. Insurance companies won’t always tell you up front if there’s a discount available, so you may have to take the initiative to claim your lower rate. 

One of the most powerful things you can do to get a low rate is to avoid speeding tickets and accidents. Typically, the best rates go to policyholders with a clean driving record. 

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Important Laws Around Auto Insurance in Mississippi

In most states, car insurance liability laws are either at-fault (also known as tort liability) or no-fault. These two differ in terms of how much leeway a victim has to sue a driver who has caused an accident. They also differ in terms of who is responsible for paying for the injured party’s expenses. 

With at-fault insurance, if a driver has caused a crash, that person’s insurance carrier will be responsible for paying for injuries related to the accident. Also, with this type of insurance, injured parties are free to sue the person who caused the accident for pain and suffering, as well as medical costs. 

No-fault insurance takes a different approach. These laws usually require all drivers to buy a personal injury protection policy, and they have to file claims with their own insurance companies if there is a crash. This rule applies regardless of who caused the accident. Also, under no-fault insurance, there are limitations placed on an injured party’s right to sue.

Mississippi has at-fault car insurance laws. This means victims have the right to sue you if you cause an accident. This suggests that if you want to protect your assets while driving in Mississippi, it may be wise to get coverage that exceeds state minimums. 

You’re required to carry proof of car insurance with you when you’re behind the wheel. This can take the form of a physical insurance card. Mississippi law also allows you to substitute a digital insurance card for a physical one.

Mississippi Driving Laws and Punishments

In Mississippi, there are no restrictions on talking on a cellphone while driving. However, texting while driving is prohibited, and this violation carries a $100 fine. Driving while texting is a primary offense in Mississippi. This means a police officer can stop a driver solely for text messaging, without observing any other offense. 

Mississippi law requires that drivers and their passengers buckle their seatbelts. Children ages 4 through 6 who weigh less than 65 pounds and are less than 4 feet 9 inches tall must ride in a booster seat. All kids who are younger than 4 must be properly secured in a child passenger restraint device. Mississippi law allows passengers to ride in the cargo area of a pickup truck. 

Tom Winstead / Getty Images

When it comes to alcohol-related DUI offences, most states have set a blood alcohol limit of 0.08 percent, and this is the limit upheld in Mississippi. As with all other states and the District of Columbia, the legal drinking age in Mississippi is 21.

In Mississippi, drivers are subject to a chemical test law with an implied consent provision. This means that if you’re operating a vehicle on a public street and you’re suspected of driving under the influence, by law, you have to agree to a chemical test to determine your blood alcohol level. If you fail the test or refuse to take it, your driver’s license may be suspended or revoked. 

Relative to the laws observed in other states, Mississippi’s penalties for a DUI conviction are light. A first offense is a misdemeanor punishable by up to 48 hours in jail and a fine of $250 to $1,000. This conviction will also cause your license to be suspended for 120 days. In some other states, you can face a year’s jail time for your first DUI offense. 

In Mississippi, a third DUI offense is considered a felony. It’s punishable by one to five years in jail and a fine of up to $5,000. Your driver’s license can be suspended for three years for a third offense and 10 years for a fourth. 

If a DUI has left you with a suspended license, Mississippi law allows you to apply for a restricted interlock device license. Applicants are required to install and use an ignition interlock device on their vehicles. This device is similar to a breathalyzer in that it tests your blood alcohol level before you start the car. If your level exceeds the legal limit, it temporarily locks the car’s ignition. If you’ve been approved for a restricted interlock device license and have installed this gadget in your vehicle, you can continue to drive your car if your license has been suspended due to a DUI. 

Mississippi Car Insurance FAQs

Is car insurance required in Mississippi?

Yes, car insurance is required in Mississippi. Bodily injury liability and property damage liability coverage are required. 

Mississippi drivers are required to carry proof of insurance when they’re behind the wheel. Both physical and digital insurance cards are acceptable. 

Which cars are required to be insured in Mississippi?

Any vehicle that is registered to be driven in Mississippi needs to be insured. 

When should I get car insurance in Mississippi?

Car insurance is required in Mississippi, but this is not enforced via vehicle registration. This means that you don’t have to show proof of insurance when registering your car. However, you may face fines and penalties if you’re caught driving without insurance, so purchase the proper coverage before taking your car on the road. 

What happens if my car is not properly insured in Mississippi?

For a first offense, failure to provide proof of insurance could result in a fine of $500. You may also have your driver’s license suspended for a year. These penalties will be waived if proof of insurance is submitted before your court hearing. Unlike many other states, Mississippi doesn’t have escalating penalties for driving without car insurance. This means that the same punishments apply every time you violate the insurance law. 

Is Mississippi a no-fault state?

No, Mississippi is an at-fault state. This means that the insurance carrier of the person who caused the crash is required to pay the expenses of all injured parties. Also, there are no limitations placed on a victim’s right to sue. 

Do I need uninsured motorist coverage in Mississippi?

No, uninsured motorist coverage isn’t required by law in Mississippi. 

Is liability insurance required in Mississippi?

Yes, liability insurance is required in Mississippi. For bodily injury liability, the minimum coverage required is $25,000 per person and $50,000 per accident. For property damage liability, drivers are required to have coverage of at least $25,000 per accident.

Does Mississippi accept digital insurance cards?

Yes, in Mississippi you’re allowed to use digital insurance cards to provide proof of insurance.