Get the Best Cheap Car Insurance in Mississippi

Just looking to get auto insurance quotes?

by Nick Versaw Updated April 4, 2022

Shopping for the most affordable car insurance can be a daunting task. But it doesn’t have to be! We’ve gathered the information you need to make an informed decision about your auto insurance. Plus, point to where you can find the most affordable car insurance rates around. 

Here’s what you need to know to find cheap car insurance in Mississippi. 

Car Insurance Requirements in Mississippi

aerial view of mississippi where you can get affordable car insurance

To drive legally in Mississippi, you need to carry liability insurance. That means insurance that pays for injuries or damages suffered by other people in an accident you’re legally liable for.

In Mississippi, you have to have at least $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. You’ll often see this abbreviated as 25/50/25.

Car Insurance Penalties if You Don’t Have Insurance

If you’re having a hard time paying your premiums, you may be tempted to become one of the many people who drive without insurance in Mississippi. Don’t do it! 

If you get caught, you’ll get hit with an initial penalty of $500 and suspension of driving privileges for one year or until the motor vehicle owner shows proof of insurance.

Not only is that a hefty fee but you’ll also be stuck without driving privileges for up to a year. With that, it is far better to carry state minimum insurance than to have no insurance at all. 

The good news is that you can find the cheapest possible insurance easily when you let us help. We can help you compare the cheapest Mississippi car insurance options. Get started now.

Cheapest Car Insurance for Young Drivers in MS

For drivers aged 18 to 24 years old, finding affordable car insurance can be challenging. Unfortunately, insurance companies aren’t willing to provide lower rates to most drivers until they turn 25. 

But that doesn’t mean you should overpay for car insurance! As a young driver, you can still shop around to find the best deal for your driving needs. Here’s a look at the car insurance companies that offer the best rates to young drivers:

Insurance Company Monthly Premium
DirectGeneral $145
Esurance $166

As a driver between the ages of 18 and 24, DirectGeneral may offer you the best car insurance rate at an average of $145 per month. After that option, Esurance is the next most affordable choice. However, Esurance charges an average of $166 per month for young drivers, which is an extra $21 per month. 

Cheapest Car Insurance for Married Drivers

married Mississippi couple riding in car together

In general, married drivers can score a more affordable rate than single drivers. If you have already tied the knot, don’t forget to look for a car insurance company that can offer you and your spouse the most affordable rates. 

In Mississippi, Answer Financial offers the cheapest car insurance rates with an average of $60 per month. That’s $10 cheaper than the most affordable option for single drivers. 

Affordable Car Insurance Companies for Single Drivers 

Next up, we have the single drivers. Unfortunately, single drivers often pay a tad more than married drivers for car insurance. But you don’t have to overpay whether or not you have a ring on your finger. 

Here are the top insurance companies that offer the most affordable rates to single drivers in Mississippi. 

Insurance Company Monthly Premium
Answer Financial $70
Safeco $91
Liberty Mutual $91
DirectGeneral $92
Acceptance $98
Esurance $146
The General $179

As a single driver in Mississippi, Answer Financial offers the best average rate of $70 per month. Next, you’ll find that Safeco and Liberty Mutual both offer very affordable rates at an average of $91 per month. Work your way down the list to find the best possible rate for your situation. 

Cost of Car Insurance for Men and Women in Mississippi

Across the nation, men generally pay more than women for car insurance. Although the difference in rates will decline with age, it is worth noting that men will often find themselves with slightly higher auto insurance rates. 

Affordable Car Insurance for Men

The nationwide trend holds true in Mississippi. Men in Mississippi should expect to pay slightly more than women. But the good news is that you won’t be paying too much more.

Based on the data below, men in Mississippi should expect to pay about $1 more per month for car insurance. 

Insurance Company Monthly Premium
AnswerFinancial $69
DirectGeneral $92

The most affordable choice for male drivers in Mississippi is Answer Financial, with an average of $69 per month. Direct General is also a relatively affordable choice with an average of $92 per month. 

Affordable Car Insurance Companies for Women 

For women in Mississippi, the average auto insurance rate is slightly less than male drivers. But the savings are not large. Here’s how different insurance companies stack up. 

Insurance Company Monthly Premium
Answer Financial $68
Direct Auto $91
Liberty Mutual $95
Esurance $136

Again, Answer Financial comes in as the lowest rate with an average of $68 per month. That’s a whole $1 less than male drivers. But every dollar counts, and that small saving will add up to $12 per year. 

If Answer Financial doesn’t work for you, check out Direct Auto at $91 per month or Liberty Mutual at $95 per month. 

Getting Affordable Car Insurance With a Spotty Record in MS

two vehicles in an accident in mississippi

Anyone with a spotty driving record knows that finding affordable auto insurance can be like finding a needle in a haystack. That’s because insurance companies are less willing to offer great rates to a driver with a ticket or accident in their past. 

But even if you have some marks on your driving record, that doesn’t mean you can’t find a relatively affordable rate. Here’s where to look if you have a spotty record as a driver in Mississippi. 

If You Have a Ticket on Your Record…

If you have a ticket on your record, you might automatically assume that affordable car insurance is out of reach. Luckily, some insurance companies are more forgiving than others. Here are two that might be willing to help. 

Insurance Company Monthly Premium
Answer Financial $79
Direct Auto $119

Answer Financial offers the most affordable average at $79 per month for drivers that have a ticket in their past. Another good option is Direct Auto, but you’ll see significantly higher rates with an average of $119 per month. 

If You Have an Accident on Your Record…

Everyone makes mistakes. If a mistake in your past resulted in an accident, many insurers want to charge exorbitant rates for years to come. 

But not all insurers are so unwilling to help. 

Insurance Company Monthly Premium
Answer Financial $82
Direct Auto $124

Again, Answer Financial offers drivers with an accident in their past a relatively affordable rate at $82 per month. If you don’t want to work with Answer Financial, Direct Auto offers a relatively affordable option at an average of $124 per month. 

Cheapest MS State Minimum Coverage

If you need to find the most inexpensive car insurance, opting for the state minimum can help any budget. With this option, you can cut down to the bare bones without going the illegal route by skipping insurance altogether. 

Here’s where you can find the cheapest Mississippi state minimum coverage. 

Insurance Company Monthly Premium
Answer Financial $49
DirectGeneral $60
Acceptance $66
Liberty Mutual $66

You’ll find the cheapest available option with Answer Financial, which offers an average of $49 per month. The next most affordable options include DirectGeneral at $60 per month, Acceptance at $66 per month, and Liberty Mutual at $66 per month. 

Cheapest Full Coverage Car Insurance in MS

If cutting down the the bare minimum is not what you are looking for, you can still find a good deal on full coverage car insurance. Direct General offers full coverage car insurance for Mississippi drivers for an average of $126 per month. 

The Best Rated Car Insurance Companies in Mississippi

Each year, the J.D. Power organization conducts a customer satisfaction survey to evaluate car insurance companies in each region. Ratings are determined on a 1,000 point scale. 

Mississippi is included within the Southeast region for the survey. Below we’ve listed the best-rated companies from the survey that operate in the state of Mississippi. 

  • USAA – 890 
  • State Farm – 859 

The regional average for satisfaction was 847. Companies above this point scored higher than the average. Companies below this point scored lower than the average. But keep in in that a rating below this point doesn’t mean that a company cannot offer affordable car insurance coverage. Instead, it means that you might not have the top customer service experience available. 

  • GEICO – 843
  • Allstate – 838
  • Alfa Insurance – 837
  • Liberty Mutual – 831
  • Nationwide – 831
  • Travelers – 831
  • Progressive – 828
  • Safeco – 820
  • Farmers – 818
  • National General – 803

As you explore your car insurance options, finding a great rate will stay a top priority. But you’ll also want to keep the reputation of the insurer in mind. An insurance company with a good reputation can likely provide a streamlined experience if you have to use it. 

Try to seek out a balance between budget and reputation that meets your needs. 

Save on Car Insurance With These Discounts

When shopping around for the most affordable coverage, you can’t skip over discounts! If you find the right discount, your budget will thank you. 

Of course, the exact discounts available to you will vary based on your unique situation. Plus, not all insurance companies offer the same discounts. For example, you might be a student with good grades that could unlock a discount through some insurers. But not all insurers offer a discount for this achievement. 

With that, you’ll have to see about your discount options with your individual insurer. If you see a discount you might qualify for, don’t hesitate to see if your insurance company offers that option. 

Here’s a list of some of the most common car insurance discount options to keep in mind on your search. 

  • Multi-car insurance discounts. Do you have multiple cars on your insurance policy? If so, you may be able to save big through a multi-car discount. 
  • Multi-policy discount. If you are shopping for car insurance, you’ll likely need other types of insurance as well. For example, you might need homeowners insurance, renter’s insurance, or life insurance. Bundling these policies together can lead to big savings. 
  • Policy payment discount. If you can afford to pay for your entire car insurance policy upfront, your insurer may offer a discount. 
  • Vehicle safety discount. Does your car have the latest safety features? Most insurance companies will give you a discount for that. 
  • Anti-theft discount. A car alarm or vehicle tracking system could lead to some savings on your insurance coverage. 
  • Good driver discount. With a solid track record, safe drivers can tap into a big discount with most insurance companies. 
  • Usage-based discount. Infrequent drivers may be overpaying for car insurance. If you don’t drive too often, check out your usage-based coverage options.

Want to learn more about the potential discounts available to you as a driver in Mississippi? Check out this full piece with all of the details you need to know. 

Compare Car Insurance Rates by Mississippi Cities

map of mississippi

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

City Average Monthly Car Insurance Premium
Biloxi $66
Columbus $56
Gulfport $73
Hattiesburg $61
Jackson $73
Olive Branch $82
Oxford $56
Southaven $70
Tupelo $59

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

MS Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. 

But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Mississippi.

Mississippi Auto Insurance FAQs

What car insurance is required in Mississippi?

Mississippi drivers are required to have 25/50/25 car insurance. That means that you’ll need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. Plus, you’ll need $25,000 in property damage liability coverage. 

How much is car insurance in Mississippi?

The average cost of car insurance in Mississippi is $98 per month. Keep in mind that your individual cost will be higher or lower based on your unique driving record and location. But shopping around to compare costs can help you snag the best available rate. 

What happens if you drive without car insurance in Mississippi?

Driving without insurance can lead to an initial penalty of $500. But that’s just the beginning. You’ll also have your driving privileges suspended for one year or until you show proof of insurance for the vehicle. 

Does Mississippi require full coverage insurance?

No, Mississippi doesn’t require full coverage. Instead, you’ll be required to have 25/50/25 insurance.  With that, you’ll need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. Plus, you’ll need $25,000 in property damage liability coverage. 

Although not required, full coverage could be the right move for your finances. With more coverage, you’ll have fewer financial issues to worry about in the event of an accident.