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Among Mississippi's most affordable car insurance providers, State Farm, USAA, and Allstate consistently offer competitive rates.
Mississippi drivers pay $180 per month, on average, for full-coverage car insurance, compared to the national average of $186. Your personal premium, however, hinges on multiple variables, including your age, driving history, and precise geographic location. Comparing quotes from several insurers is the most effective way to determine your actual cost in the Hospitality State.
The following analysis compares Mississippi's cheapest car insurance options, organized by coverage type, driver characteristics, and insurance company.
Affordable full-coverage car insurance in Mississippi
Mississippi's average monthly premium for full-coverage insurance stands at $180, versus $186 nationally. State Farm, USAA, and Allstate rank among the state's most budget-friendly car insurance providers.
| Average monthly full coverage cost | |
| Mississippi average | $180 |
| National average | $186 |
| State Farm | $95 |
| USAA | $97 |
| Allstate | $155 |
| Nationwide | $162 |
Affordable liability-only car insurance in Mississippi
State Farm, USAA, and Progressive emerge as leading providers of cheap liability car insurance in Mississippi. National General also joins the ranks.
Monthly premiums for liability-only coverage in Mississippi average $99, while nationally the figure sits at $104.
| Average monthly liability-only cost | |
| Mississippi average | $99 |
| National average | $104 |
| State Farm | $64 |
| USAA | $65 |
| Progressive | $77 |
| National General | $87 |
Cheap Car Insurance in Mississippi by age
Age profoundly influences insurance premiums. Car insurance for teens commands the highest rates, averaging $325 per month in Mississippi, attributable to limited driving experience.
Drivers entering their twenties tend to enjoy lower rates, with average policies costing $226 per month. The decline continues through a driver's thirties and forties, averaging approximately $189 and $187 per month, respectively.
Premiums can escalate again for drivers reaching their sixties and beyond. Mississippi seniors typically pay $153 monthly during their sixties and $167 throughout their seventies.
These age-driven premium variations reflect differing risk levels across age demographics, with younger, inexperienced drivers considered higher risk, and older drivers occasionally face increased rates linked to health factors and evolving driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $325 | $178 |
| 20s | $226 | $124 |
| 30s | $189 | $104 |
| 40s | $187 | $103 |
| 50s | $176 | $96 |
| 60s | $153 | $84 |
| 70s | $167 | $91 |
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Cheap Car Insurance in Mississippi for high-risk drivers
Moving violations or accidents on your record typically increase your car insurance premiums, and that's true in every state. Below are Mississippi's average costs for drivers with an accident, speeding ticket, or DUI on their records, based on car insurance rates for drivers with a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $216 | $119 |
| Speeding ticket | $202 | $111 |
| DUI | $290 | $159 |
Compare low-cost car insurance after an accident
State Farm, USAA, and GEICO provide economical car insurance in Mississippi for drivers with accident histories. Average monthly full-coverage premiums for accident-impacted drivers reach $216.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $117 | $78 |
| USAA | $121 | $81 |
| GEICO | $195 | $131 |
Average rate:
Compare low-cost car insurance after a speeding ticket
State Farm, USAA, and Allstate deliver competitive car insurance rates in Mississippi for drivers with a speeding ticket. Full coverage averages $202 per month for those with speeding violations.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $112 | $75 |
| USAA | $117 | $78 |
| Allstate | $187 | $124 |
Compare low-cost car insurance after DUI conviction
Mississippi drivers carrying DUI convictions can access affordable full coverage car insurance through State Farm, USAA, and Allstate. Full coverage rates for drivers with DUIs average $290 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $145 | $97 |
| USAA | $149 | $100 |
| Allstate | $237 | $158 |
Cheap Car Insurance in Mississippi by credit score
Mississippi drivers with excellent credit pay an average of $157 for full coverage car insurance each month. Conversely, drivers with poor credit pay higher premiums, with an average rate of $226 per month.
Rate disparities illustrate how credit scores influence insurance pricing, with poor credit frequently resulting in higher premiums attributed to increased perceived non-payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $157 | $86 |
| Good | $170 | $93 |
| Average | $187 | $103 |
| Poor | $226 | $124 |
FAQs
What are Mississippi's minimum car insurance requirements?
Mississippi requires drivers to carry liability insurance with at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. These limits are often written as 25/50/25, and they're average across states.
Drivers in Mississippi must keep proof of insurance in their vehicle at all times, either as a printed card or a digital copy on their smartphone, as law enforcement can request it during traffic stops.
What happens if I'm caught driving without insurance in Mississippi?
The initial fine for driving without insurance or proof of insurance in Mississippi is $1,000, and you'll also face license suspension. Mississippi law requires proof of insurance during traffic stops, and failure to provide it results in both financial and legal consequences.
How does my credit score affect car insurance rates in Mississippi?
Mississippi drivers with poor credit can pay double what those with good credit pay for the same coverage. In states that permit it, insurance companies use credit scores as a risk indicator, viewing lower scores as indicative of a higher likelihood of claims and often adjusting rates up accordingly. Mississippi allows the use of credit scores as one factor when calculating insurance premiums.
While your credit score doesn't reflect driving ability, insurers have found statistical connections between credit management and insurance claims, making credit improvement a valuable strategy for reducing premiums.
Bottom line
Although these insurers may offer Mississippi's most competitive rates, individual car insurance needs vary significantly. Obtaining quotes from multiple insurance providers and evaluating them based on both price and service quality is the smartest approach to identifying the right company for you.
Data throughout provided by Insurify.
Average rate:
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