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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Mississippi drivers pay an average of $113 per month for car insurance. Average rates in the Magnolia State are lower than the national average.[1] One of the factors contributing to the state’s relatively cheap average rates is that Mississippi requires drivers to sue the at-fault driver before their insurance company.[2]
Though Mississippi’s rates are lower than average, you can save even more with some insurers. State Farm, USAA, and National General offer the state’s lowest rates. Liability insurance rates start at $44 per month.
In this article, we’ll cover the cheapest car insurers in Mississippi for various drivers, how to choose the right company, and give you some tips to save on auto insurance.
State Farm offers the cheapest average rates in Mississippi, averaging $44 per month.
Average monthly rates for liability and full-coverage policies in Mississippi are $74 and $153, respectively.
Mississippi requires drivers to purchase bodily injury and property damage liability insurance.
It’s possible to find car insurance in Mississippi that’s cheaper than the statewide average. Several companies offer lower rates, but it’ll take a little work on your part. Comparing car insurance quotes is essential to finding an affordable policy.
The table below is a good starting point in your search for coverage. It highlights the cheapest insurers in Mississippi, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $44 |
| USAA | $45 |
| National General | $61 |
| Progressive | $66 |
| Bristol West | $67 |
| Allstate | $72 |
| Nationwide | $74 |
| GEICO | $77 |
| Safeco | $81 |
| Root | $83 |
| Travelers | $86 |
| Direct Auto | $97 |
| GAINSCO | $102 |
| Foremost | $107 |
| Shelter | $111 |
| Dairyland | $136 |
| Liberty Mutual | $164 |
The cheapest insurer in Mississippi is State Farm, with rates averaging $44 per month.
Below, we’ll break down the most affordable companies by driver and coverage type.
The car insurance companies above offer low average premiums for Mississippi drivers, but insurance costs vary by every driver’s unique situation and preferences. Your personal rate will depend on your driving history, address, age, and other factors.
Here’s a look at how different coverage needs and driver demographics affect rates, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $44 |
| Full coverage | State Farm | $67 |
| Teens | USAA | $80 |
| Seniors | State Farm | $34 |
| Drivers with a speeding ticket | State Farm | $52 |
| Drivers with an at-fault accident | State Farm | $53 |
| Drivers with a DUI | State Farm | $61 |
| Drivers with excellent credit | State Farm | $37 |
| Drivers with poor credit | USAA | $52 |
We’ll discuss each category in more detail in the sections below to give you more insight into your potential costs.
Comparing quotes can save you up to $867.†
Mississippi requires drivers to buy basic liability insurance, which includes bodily injury and property damage liability coverage. State-minimum coverage is the cheapest policy you can buy and costs an average of $74 per month in Mississippi. Experts typically recommend buying more coverage since state minimums usually aren’t enough to cover damages if you get into a serious car accident.[3]
But if you decide basic coverage is best for your situation, the chart below shows the five cheapest insurers in Mississippi, according to our research.
Alternatively, you could get full-coverage insurance instead of liability-only coverage. Full coverage provides a greater level of protection because it pays for your medical bills and damages after a car accident.
Besides liability insurance, full coverage often includes comprehensive and collision coverage. In some instances, it may include personal injury protection or medical payments insurance. Lenders and leasing companies also require it if you have an auto loan or lease.
Mississippi drivers pay a monthly average of $153 for full coverage, but some insurers offer it for close to what you’d pay for a liability policy. Check out Mississippi’s five cheapest options in the chart below, according to our data.
Young drivers have less experience and tend to take more risks behind the wheel, which translates to higher insurance rates. Teen drivers get into nearly four times as many accidents as drivers aged 20 and older, according to the Insurance Institute for Highway Safety (IIHS).
Mississippi teens pay an average of $197 per month for coverage, but that doesn’t mean you can’t find lower rates. The car insurance companies in the chart below are the cheapest for Mississippi teens, according to Compare.com data.
Mississippi seniors typically benefit from lower car insurance costs, which makes sense, given that they generally drive less often and avoid driving at night, according to the IIHS. Older drivers in Mississippi pay average monthly premiums of $93, but you might be able to get cheaper coverage if you shop around.
Here are the five most affordable insurers for Mississippi seniors, according to our data.
Drivers with a spotless driving record typically pay the lowest auto insurance rates. But if you get a speeding ticket, your premiums will likely increase because your insurer will view you as a higher risk on the road. Drivers with a single ticket pay 37% more for car insurance nationwide, according to Compare.com data.
In Mississippi, drivers with a ticket pay an average of $131 per month for insurance. Even with a ticket, it’s possible to get cheaper rates.
The five insurers in the chart below have the most affordable policies for drivers with a ticket in Mississippi, according to our data.
Your car insurance company may also increase your rates substantially after an at-fault accident. Our research shows that one at-fault accident increases the average cost of a policy by 41% nationwide. Average rates for Mississippi drivers with an at-fault accident run about $131 per month.
Our research shows these five car insurance companies may offer more affordable coverage if you have a recent accident on your record in Mississippi.
Mississippi drivers — and drivers nationwide — see the sharpest increases in their car insurance after a DUI conviction. Our data shows that average rates increase by 61% nationwide. In Mississippi, drivers pay an average of $139 per month after a DUI.
Even if you have a DUI, you can still get lower rates. The chart below shows the companies offering the cheapest coverage options for Mississippi drivers with a DUI, according to Compare.com data.
When determining your rates, some insurers look at your credit in addition to other demographic factors. Poor credit indicates higher risk to companies because research shows that you’re more likely to file a claim in the future.[4]
Nationwide, drivers with poor credit pay 20% more for car insurance than drivers with excellent credit, according to our data. Mississippi drivers with poor credit pay average monthly rates of $127.
But not all companies consider your credit, and others may offer cheap rates regardless of your credit history. Here are five of the most affordable companies in Mississippi for drivers with poor credit, according to our data.
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While the following companies represent our top auto insurance picks for Mississippi drivers, there’s no single best car insurance company for every driver. The right insurer for you depends on your unique situation. We chose these companies based on average rates in Mississippi, customer ratings, and available coverages and discounts.
Compare.com Rating: 5.00 out of 5
Average full-coverage premium: $67 per month
Cheap rates
Many local agents
Generous discounts
Gap insurance not available
No accident forgiveness
Poor online reviews[5]
State Farm offers very cheap average insurance rates, a large network of local agents, and several discounts to help you lower your premiums. Its Drive Safe & Save discount is among the most notable, offering up to 30% off your insurance premiums for driving safely.
Despite its perks, State Farm doesn’t offer gap insurance or accident forgiveness, both of which are options with some competitors. And despite having decent customer satisfaction ratings on the J.D. Power 2025 U.S. Auto Insurance Study, it received a lot of complaints on Trustpilot.
Compare.com Rating: 4.81 out of 5
Average full-coverage premium: $69 per month
Low average rates
Many discounts available
Excellent customer satisfaction ratings[6]
Gap insurance not available
Poor online reviews
Limited coverage options
USAA is our top pick for military and veterans in Mississippi, home to approximately 147,000 veterans and close to 60,000 servicemembers and their families. Mississippi drivers can find plenty of discounts, including for safe driving and storing a vehicle during deployment.
The insurer has impressively low rates and high customer satisfaction ratings in the J.D. Power 2025 U.S. Auto Insurance Study. But it received mostly negative online reviews on Trustpilot, so it’s still important to compare quotes and ratings for different insurers before moving forward.
Compare.com Rating: 4.88 out of 5
Average full-coverage premium: $113 per month
Many local agents
High customer satisfaction ratings
Accident forgiveness available
Higher rates than some competitors
Below-average online reviews
Fewer discounts than some competitors
Nationwide gets high marks for customer satisfaction in the J.D. Power 2025 U.S. Auto Insurance Study, and its car insurance rates are relatively affordable. The insurer also offers a large network of local agents in Mississippi, making it a good choice if you prefer personalized service.
While Nationwide offers affordable average rates, it isn’t the cheapest company on our list. It also has a smaller selection of discounts than some competitors.
Local rates start as low as $44 per month.
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Mississippi, like almost every U.S. state, requires drivers to buy car insurance. You must buy bodily injury liability coverage and property damage liability insurance. These coverages pay for the other driver’s medical costs and vehicle or property damage if you’re responsible for an accident.
Here’s a look at Mississippi insurance requirements:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000
Meeting Mississippi’s minimum coverage requirements is all you need legally, but minimum coverage often doesn’t provide enough financial protection after a serious accident. If an accident leaves you or your passengers with injuries or your car has expensive damages, you’ll end up paying for it out of your own pocket.
Keep in mind that Mississippi is among the top 10 states with the most uninsured motorists.[7] That’s why experts recommend purchasing higher limits or full-coverage insurance to ensure you have the protection you need against vehicle damage for a variety of incidents.
Below, we answer some of the most common questions drivers have about Mississippi auto insurance to help you make an informed decision on your next policy.
Mississippi drivers pay an overall monthly average of $113 for car insurance, according to Compare.com data. Liability-only policies average $74 per month, and full coverage averages $153 per month.
State Farm offers the cheapest average rates, with Mississippi drivers paying $44 per month, according to our data.
No. Drivers in Mississippi pay a monthly average of $113 for car insurance, compared to the national average of $148. Remember that this is just an average, and your actual premium will depend on your driving history, ZIP code, age, and other factors.
Yes. It’s illegal to drive without car insurance in Mississippi.
Driving without insurance could result in hefty fines or suspension of driving privileges if a cop pulls you over. You’ll need to buy liability coverage to meet the state’s minimum requirements and keep proof of insurance in your vehicle while driving.[8]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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