Cheapest Car Insurance Quotes in Mississippi (2025)
State Farm has the best cheap car insurance in Mississippi, at $88 per month for full coverage.
Find Cheap Car Insurance Quotes in Mississippi
Best cheap car insurance companies in Mississippi
How we chose the top companies
Best and cheapest car insurance in Mississippi
- Cheapest full coverage: State Farm, $95/mo
- Cheapest minimum liability: State Farm, $30/mo
- Cheapest for young drivers: Farm Bureau, $98/mo
- Cheapest after a ticket: State Farm, $102/mo
- Cheapest after an accident: State Farm, $113/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Farm Bureau, $109/mo
- Cheapest after a DUI: Progressive, $189/mo
- Cheapest for poor credit: Farm Bureau, $228/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Farm Bureau have the best mix of cheap rates and great customer service in Mississippi.
State Farm offers online quotes, making it the best choice for Mississippi drivers who need to compare rates quickly. To get a quote from Farm Bureau, you'll need to contact a local insurance agent.
Cheapest car insurance in Mississippi: State Farm
State Farm has the best cheap full coverage car insurance in Mississippi, at $95 per month.
That's 42% cheaper than the Mississippi state average and $38 per month cheaper than the second-best option, Farm Bureau.
The average cost of car insurance in Mississippi is $164 per month for full coverage. That's 9% cheaper than the national average, which is $165 per month.
Find Cheap Car Insurance Quotes in Mississippi
Cheap full coverage car insurance in Mississippi
Company | Monthly rate | |
|---|---|---|
| State Farm | $95 |
| Farm Bureau | $133 |
| Travelers | $141 |
| Progressive | $157 |
| Shelter | $181 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Mississippi: State Farm
State Farm offers the cheapest minimum coverage car insurance in Mississippi.
At just $30 per month, minimum liability insurance from State Farm is 48% cheaper than the state average. The average cost of minimum liability car insurance in Mississippi is $58 per month.
Cheap liability insurance in Mississippi
Company | Monthly rate |
|---|---|
| State Farm | $30 |
| Progressive | $35 |
| Farm Bureau | $42 |
| Travelers | $56 |
| Geico | $61 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Mississippi
Cheapest for teens in Mississippi: Farm Bureau
Farm Bureau has the best cheap insurance for young drivers in Mississippi.
Minimum coverage from Farm Bureau costs just $98 per month for an 18-year-old driver in Mississippi. That's half as much as the overall average cost of minimum coverage for Mississippi teens, which is $197 per month.
Farm Bureau also has the most affordable full coverage quotes for teens, charging $229 per month, or 55% cheaper than average.
Best cheap auto insurance in Mississippi for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $98 | $229 |
| State Farm | $103 | $265 |
| Travelers | $163 | $375 |
| Shelter | $185 | $441 |
| Progressive | $187 | $744 |
*USAA is only available to current and former military members and their families.
Young drivers with military ties can find even cheaper rates at USAA. A minimum coverage policy from USAA costs $73 per month, which is 63% less than average. However, only military members, veterans and certain family members can get car insurance from USAA.
Young drivers in Mississippi pay more than three times as much for car insurance as older drivers do. That's because they have less experience behind the wheel, which makes them more likely to cause an accident.
The best way for Mississippi teens to save money on their car insurance is by sharing a policy with their parents.
Cheap MS auto insurance after a speeding ticket: State Farm
State Farm has the most affordable quotes for Mississippi drivers with a recent speeding ticket. A full coverage policy from State Farm costs $102 per month. That's about half as much as most Mississippi drivers pay after a single ticket.
Cheapest car insurance quotes in Mississippi after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $102 |
| Farm Bureau | $143 |
| Travelers | $177 |
| Progressive | $199 |
| Shelter | $210 |
*USAA is only available to current and former military members and their families.
Mississippi drivers with a speeding ticket pay 22% more for car insurance than drivers with a clean record. That's because a speeding ticket shows insurance companies you're more likely to cause an accident in the future.
Cheap insurance in MS after an accident: State Farm
State Farm has the cheapest rates for Mississippi drivers after an at-fault accident. The company charges $113 per month for full coverage, which is less than half the price a typical company charges after a crash.
Cheapest Mississippi car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $113 |
| Farm Bureau | $171 |
| Shelter | $185 |
| Travelers | $194 |
| Progressive | $234 |
*USAA is only available to current and former military members and their families.
Mississippi drivers pay an average of $251 per month for full coverage insurance after one at-fault accident. That's 53% more than drivers with clean records pay for the same coverage.
Insurance companies charge drivers who have caused a crash more because they're more likely to make claims in the future.
Cheap insurance in MS for teens with a ticket or accident: Farm Bureau and State Farm
Farm Bureau is the most affordable Mississippi insurance company for young drivers after a ticket.
Minimum coverage from Farm Bureau costs $109 per month for an 18-year-old driver after a speeding ticket. That's less than half as much as most Mississippi teens pay after a speeding ticket.
State Farm has the cheapest rates after an accident. At $132 per month, minimum liability coverage from Farm Bureau is a little more than half the average price in Mississippi.
In addition to affordable prices, both State Farm and Farm Bureau have great customer service. So it's a good idea to get a quote from each if you were recently in a crash or caught speeding.
Cheap liability insurance in MS for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $109 | $135 |
| State Farm | $115 | $132 |
| Progressive | $197 | $214 |
| Travelers | $205 | $233 |
| Shelter | $225 | $190 |
*USAA is only available to current and former military members and their families.
Mississippi teens can expect their rates to go up by around 19% after a speeding ticket and 49% after an at-fault accident.
Some insurance companies offer young drivers a discount for taking a driver education class. These classes could save you around 10% on your car insurance, depending on your company.
Best cheap insurance in Mississippi after a DUI: Progressive
Progressive has the most affordable quotes in Mississippi after a DUI. At $189 per month, full coverage from Progressive is around 41% cheaper than average.
Mississippi drivers with a DUI should also consider Travelers, which costs $204 per month. Travelers also has lots of discounts available, which can bring your rate down further.
Cheap Mississippi auto insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $189 |
| Travelers | $204 |
| Farm Bureau | $216 |
| State Farm | $221 |
| Allstate | $264 |
*USAA is only available to current and former military members and their families.
The average rate for car insurance after one DUI in Mississippi is $321 per month for full coverage. That's about twice as expensive as the rate for a driver with a clean record. A DUI is one of the most serious driving offenses you can commit, and your insurance rate will reflect that.
Drivers with a DUI in Mississippi may also need an SR-22 certificate to have their license reinstated, which typically costs around $50.
Cheapest quotes for drivers with poor credit: Farm Bureau
Farm Bureau is the most affordable option for Mississippi drivers with poor credit. Its average rate of $228 per month for full coverage is 31% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $228 |
| Travelers | $242 |
| Progressive | $269 |
| Geico | $281 |
| Allstate | $311 |
*USAA is only available to current and former military members and their families.
Mississippi drivers with bad credit scores pay double the price of full coverage insurance that those with good credit pay.
Your credit score doesn't have anything to do with how safely you drive. But companies have found that people with bad credit could be more likely to make an insurance claim.
Best car insurance in Mississippi
USAA is the best insurance company in Mississippi based on its top-rated customer service and cheap rates.
However, only military members, veterans and their families can get car insurance from USAA.
Mississippi drivers who don't qualify for USAA should consider State Farm and Farm Bureau. Both companies offer good customer service at low prices.
Best insurance companies in Mississippi
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Farm Bureau | 673 | A | |
| Shelter | 678 | A | |
| Geico | 637 | A++ |
Average car insurance in Mississippi by city
Mississippi State University's campus in Starkville is the state's cheapest area for auto insurance, at $138 per month for full coverage.
The most expensive quotes are in Hermanville, a small town southwest of Jackson, where a full coverage policy costs $189 per month.
Mississippi car insurance quotes near you
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $154 | -4% |
| Aberdeen | $151 | -6% |
| Ackerman | $155 | -3% |
| Alcorn State University | $185 | 16% |
| Algoma | $149 | -7% |
Depending on which Mississippi city you live in, average car insurance rates vary by up to $51 per month for full coverage. That's because auto theft rates, traffic congestion and other local factors can affect how likely you are to make a claim in the future.
Mississippi minimum car insurance requirements
Mississippi requires drivers to have a minimum amount of liability insurance to legally drive in the state. The minimum liability requirements for auto insurance in Mississippi are often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Driving without insurance in Mississippi can lead to a fine of $500 and license suspension.
What's the best car insurance coverage for MS drivers?
Most Mississippi drivers should strongly consider getting full coverage insurance instead of minimum liability.
Full coverage insurance is often a good idea if your car is worth more than $5,000 or is newer than eight years old. If you have a car loan or lease, your lender will usually require you to buy a full coverage policy.
That's because a full coverage policy includes comprehensive and collision insurance.
- Collision insurance covers damage to your car after a crash, regardless of whose fault it is.
- Comprehensive insurance pays for other types of damage to your car. This can include things like hail, vandalism, theft or an accident with an animal. These events are also called "acts of God" by insurance companies.
Full coverage car insurance costs an average of $108 more per month than minimum coverage in Mississippi.
A minimum coverage policy in Mississippi only includes liability coverage. Liability coverage pays for injuries to the other driver and damage to their car or property if you cause an accident.
However, the minimum liability limits in Mississippi may not be high enough to cover the cost of a serious accident. Drivers with minimum liability could end up with a big bill if they cause a major crash.
For example, Mississippi only requires $25,000 of property damage liability. But if you hit another car and it's totaled, that may not be enough to replace it — especially if it's an expensive or brand new car.
Alternatives to car insurance
An auto insurance policy is the easiest way to satisfy the Motor Vehicle Safety Responsibility Law in Mississippi. You can also either give the DMV $75,000 cash or get a bond for the same amount to show proof of financial responsibility. But for most people, getting car insurance is the most cost-effective option.
Frequently asked questions
How much is car insurance in Mississippi per month?
The average cost of full coverage car insurance in Mississippi is $164 per month, or $1,968 per year. A minimum coverage policy costs $58 per month, or $694 per year.
Is Mississippi car insurance expensive?
Mississippi car insurance isn't expensive compared to the rest of the country. Full coverage in Mississippi costs $164 per month, which is 6% cheaper than the national average. Minimum coverage is 16% less than average, at $58 per month.
What car insurance is required in Mississippi?
Drivers in Mississippi must have an auto insurance policy with a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $25,000 of property damage liability coverage per accident.
Methodology
To find the best cheap auto insurance in Mississippi, ValuePenguin collected thousands of rates from ZIP codes across Mississippi from the largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.