Cheapest Car Insurance in Mississippi (2026)
State Farm is the best company for cheap car insurance in Mississippi, at $107 per month for full coverage and $28 per month for liability coverage.
Best cheap car insurance in Mississippi
Mississippi’s cheapest full coverage car insurance: State Farm
State Farm is the best company for cheap full coverage car insurance in Mississippi, with rates that average $107 per month. This is 39% less than the state average of $176 per month.
Travelers is next for most of the state’s drivers, with an average rate of $125 per month. Progressive and Farm Bureau also come in under the state average for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. .
- State Farm, Travelers and Progressive each offer many car insurance discounts that can help make your rate cheaper.
- State Farm has the best J.D. Power customer satisfaction score of these companies, however. That generally means it has happier customers.
Full coverage car insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $107 |  |
 | Travelers | $125 | |
 | Progressive | $143 |  |
 | Farm Bureau | $162 | |
 | Shelter | $192 |  |
 | Nationwide | $201 |  |
 | Geico | $209 | |
 | Allstate | $234 | |
 | Farmers | $275 | |
 | USAA* | $109 | |
Compare quotes from USAA as well if you or someone in your family are current or former military. USAA’s average rate is $109 per month, or nearly as cheap as State Farm’s.
Best cheap liability insurance in Mississippi: State Farm
With an average rate of $28 per month, State Farm also has Mississippi’s cheapest liability insurance. That’s less than half the state average of $59 per month for liability coverage Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. .
Progressive comes in second, at $41 per month, while Travelers and Farm Bureau follow.
Liability auto insurance rates
| Company | Monthly rate |
|---|---|
| State Farm | $28 |
| Progressive | $41 |
| Travelers | $50 |
| Farm Bureau | $51 |
| Geico | $63 |
| Nationwide | $67 |
| Shelter | $69 |
| Allstate | $89 |
| Farmers | $98 |
| USAA* | $31 |
Although Progressive’s average rate for liability insurance is 46% higher than State Farm’s, you may be able to bring that down through discounts.
Progressive has some discounts that are easy to get, like ones for signing your documents online and receiving docs through email. Getting a quote from the company before you buy a policy and paying for your entire policy term at once can also save you money.
Cheap car insurance quotes for Mississippi teens: State Farm
If you want Mississippi’s cheapest teen car insurance, make sure you get a quote from State Farm. The company’s rates average $97 per month for teen liability coverage, and $283 per month for full coverage.
Farm Bureau is a little cheaper for Mississippi teens who want full coverage, at $278 per month. But its rates for liability coverage are higher than State Farm’s, at $121 per month.
Monthly insurance rates for teens
| Company | Liability-only coverage | Full coverage |
|---|---|---|
| State Farm | $97 | $283 |
| Farm Bureau | $121 | $278 |
| Travelers | $136 | $305 |
| Shelter | $177 | $468 |
| Progressive | $212 | $672 |
| Nationwide | $233 | $562 |
| Geico | $251 | $615 |
| Allstate | $326 | $815 |
| Farmers | $393 | $848 |
| USAA* | $81 | $245 |
Discounts aimed at young drivers are a good way to save money on teen car insurance. Both State Farm and Farm Bureau offer discounts for students who get good grades and those who complete a driver education or safety program. Students who go away to school and don’t take a vehicle can also get a discount from State Farm.
Mississippi’s cheapest car insurance after a speeding ticket: State Farm
Drivers in Mississippi with a speeding ticket on their records can get the state’s cheapest car insurance from State Farm. Its average rate for these drivers is $114 per month.
Travelers has the second-cheapest rates after a ticket, at $155 per month. Farm Bureau comes in third, at $173.
Auto insurance rates after a ticket
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| Travelers | $155 |
| Farm Bureau | $173 |
| Progressive | $188 |
| Shelter | $222 |
| Allstate | $257 |
| Nationwide | $285 |
| Geico | $299 |
| Farmers | $344 |
| USAA* | $142 |
The average cost of car insurance in Mississippi after a speeding ticket is $218 per month. This is 24% more than what residents with a clean driving record pay. State Farm only raises the rates of its customers by about 7%, according to our data.
Cheap auto insurance in Mississippi after an accident: State Farm
State Farm also has the cheapest car insurance for drivers with an accident on their records in Mississippi, with rates of around $107 per month.
Travelers and Shelter are the state’s next-cheapest companies after an accident, but both are quite a bit more expensive than State Farm.
Mississippi auto insurance rates after an accident
| Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Travelers | $170 |
| Shelter | $196 |
| Farm Bureau | $208 |
| Progressive | $228 |
| Nationwide | $341 |
| Allstate | $343 |
| Geico | $395 |
| Farmers | $662 |
| USAA* | $109 |
The average Mississippi driver with an at-fault accident on their records pays $276 per month for full coverage car insurance. That’s 57% more than what drivers with a clean record pay for the same amount of coverage.
Accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. can help you avoid these increases at least once. State Farm doesn’t offer accident forgiveness, but Travelers does.
Travelers also offers a few other coverage options that State Farm doesn’t, like loan/lease gap insurance Loan/lease gap insurance can help pay off a car loan or lease if your vehicle is stolen or totaled. and new car replacement If your car is totaled while it’s relatively new, new car replacement pays for a new one. coverage.
Best cheap insurance in Mississippi for teens with bad driving records: State Farm
At $97 per month, State Farm is the cheapest car insurance company in Mississippi for most teen drivers with an accident on their records. It’s also the cheapest for teens with a speeding ticket, at $107 per month.
Monthly teen insurance rates after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $107 | $97 |
| Farm Bureau | $134 | $167 |
| Travelers | $169 | $198 |
| Shelter | $215 | $182 |
| Progressive | $223 | $239 |
| Nationwide | $252 | $255 |
| Geico | $293 | $329 |
| Allstate | $376 | $443 |
| USAA* | $130 | $81 |
Farm Bureau is the second-cheapest company for most of these teens. Its average rate for teens with a ticket is $134 per month, and for teens with an accident, it’s $167 per month.
Cheapest Mississippi car insurance after a DUI: Progressive
With rates that are just under $180 per month, Progressive and Travelers have Mississippi’s cheapest DUI insurance rates. Both companies come in well under the state average of $351 per month after a driving under the influence (DUI) conviction.
Auto insurance rates after a DUI
| Company | Monthly rate |
|---|---|
| Progressive | $175 |
| Travelers | $178 |
| State Farm | $242 |
| Farm Bureau | $260 |
| Shelter | $279 |
| Allstate | $318 |
| Nationwide | $455 |
| Farmers | $662 |
| Geico | $730 |
| USAA* | $211 |
Something that might help you decide between Progressive and Travelers is to compare the optional coverages they offer. These are important if you want to customize your policy.
Travelers and Progressive have more optional coverages than most top car insurance companies. Both offer roadside assistance, rental car reimbursement and accident forgiveness coverages. But only Progressive has add-on coverage for custom parts or trip interruption Trip interruption usually covers pre-paid, non-refundable travel expenses, such as for flights and hotels, if you need to end a trip early. .
Mississippi drivers with a DUI conviction pay double what drivers who don’t have a DUI pay for car insurance, on average. Our research shows that the average Progressive customer only sees their rate go up 22% after a DUI.
Mississippi’s cheapest car insurance quotes for bad credit: Travelers
Most drivers in Mississippi get the cheapest car insurance for bad credit from Travelers, where rates average $212 per month.
Progressive is next, at $235 per month, while Geico comes in third, at $299 per month.
Car insurance rates with bad credit
| Company | Monthly rate |
|---|---|
| Travelers | $212 |
| Progressive | $235 |
| Geico | $299 |
| Farm Bureau | $321 |
| Nationwide | $348 |
| Allstate | $381 |
| Shelter | $424 |
| State Farm | $544 |
| Farmers | $810 |
| USAA* | $209 |
The average cost of car insurance with bad credit in Mississippi is $378 per month. This is more than twice what drivers with good credit pay for the same amount of coverage.
Best car insurance in Mississippi
State Farm is Mississippi’s best car insurance company overall because of its low rates for most drivers and its good customer satisfaction rating from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. . It also offers several discounts that can help you get the cheapest possible rate.
Mississippi insurance company ratings
| Company | LendingTree | J.D. Power | AM Best |
|---|---|---|---|
| Allstate | | 635 | A+ |
| Farm Bureau | | 645 | A |
| Farmers | | 622 | A |
| Geico | | 645 | A++ |
| Nationwide | | 645 | A |
| Progressive | | 621 | A+ |
| Shelter | | 669 | A |
| State Farm | | 650 | A++ |
| Travelers | | 613 | A++ |
| USAA* | | 735 | A++ |
Travelers is also worth considering. It’s often close to State Farm in cost, and it’s actually cheaper if you have poor credit. Travelers’ J.D. Power score is below average, though, so keep that in mind while comparing quotes.
If you or a family member are current or former military, compare quotes from USAA as well. It has the cheapest rates for some Mississippi drivers, and its customer satisfaction is the state’s best by far. USAA also offers some good standard and optional coverages.
Mississippi auto insurance rates by city
The Mississippi cities with the cheapest car insurance rates are Starkville, Sturgis, Tupelo and Verona. Each has an average rate of $151 per month for full coverage.
Hermanville is the state’s most expensive city for car insurance. Rates there average $204 per month.
Auto insurance rates near you
| City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $167 | -5% |
| Aberdeen | $163 | -7% |
| Ackerman | $168 | -5% |
| Alcorn State University | $200 | 14% |
| Algoma | $159 | -9% |
| Alligator | $175 | 0% |
| Amory | $163 | -7% |
| Anguilla | $174 | -1% |
| Arcola | $171 | -3% |
| Arkabutla | $175 | 0% |
| Arnold Line | $168 | -4% |
| Artesia | $154 | -12% |
| Ashland | $169 | -4% |
| Avon | $172 | -2% |
| Bailey | $164 | -7% |
| Baldwyn | $153 | -13% |
| Banner | $164 | -6% |
| Bassfield | $184 | 5% |
| Batesville | $180 | 2% |
| Bay Springs | $174 | -1% |
| Bay St. Louis | $183 | 4% |
| Beaumont | $181 | 3% |
| Becker | $166 | -5% |
| Beechwood | $180 | 2% |
| Belden | $153 | -13% |
| Bellefontaine | $168 | -4% |
| Belmont | $161 | -8% |
| Belzoni | $170 | -3% |
| Benoit | $168 | -5% |
| Benton | $191 | 8% |
| Bentonia | $193 | 10% |
| Beulah | $170 | -3% |
| Big Creek | $164 | -7% |
| Biloxi | $177 | 1% |
| Blue Mountain | $160 | -9% |
| Blue Springs | $153 | -13% |
| Bogue Chitto | $175 | -1% |
| Bolton | $180 | 3% |
| Booneville | $156 | -11% |
| Boyle | $167 | -5% |
| Brandon | $176 | 0% |
| Braxton | $178 | 1% |
| Brookhaven | $175 | -1% |
| Brooklyn | $169 | -4% |
| Brooksville | $170 | -3% |
| Bruce | $164 | -7% |
| Buckatunna | $178 | 1% |
| Bude | $187 | 6% |
| Burnsville | $160 | -9% |
| Byhalia | $170 | -3% |
| Byram | $186 | 6% |
| Caledonia | $157 | -11% |
| Calhoun City | $165 | -6% |
| Camden | $180 | 2% |
| Canton | $178 | 1% |
| Carriere | $183 | 4% |
| Carrollton | $173 | -2% |
| Carson | $185 | 5% |
| Carthage | $174 | -1% |
| Cary | $175 | -1% |
| Cascilla | $182 | 4% |
| Cedarbluff | $163 | -7% |
| Centreville | $191 | 9% |
| Charleston | $185 | 5% |
| Chatawa | $175 | 0% |
| Chatham | $172 | -2% |
| Chunky | $165 | -6% |
| Clara | $177 | 1% |
| Clarksdale | $185 | 5% |
| Cleveland | $170 | -3% |
| Clinton | $177 | 1% |
| Cloverdale | $188 | 7% |
| Coahoma | $185 | 5% |
| Coffeeville | $173 | -1% |
| Coila | $173 | -2% |
| Coldwater | $172 | -2% |
| Collins | $179 | 2% |
| Collinsville | $163 | -7% |
| Columbia | $184 | 5% |
| Columbus | $156 | -11% |
| Columbus AFB | $156 | -11% |
| Como | $177 | 1% |
| Conehatta | $165 | -6% |
| Corinth | $158 | -10% |
| Courtland | $181 | 3% |
| Crawford | $154 | -13% |
| Crenshaw | $179 | 2% |
| Crosby | $194 | 10% |
| Crowder | $181 | 3% |
| Cruger | $175 | 0% |
| Crystal Springs | $181 | 3% |
| D Lo | $177 | 1% |
| D’Iberville | $177 | 1% |
| Daleville | $163 | -7% |
| Darling | $180 | 3% |
| De Kalb | $171 | -3% |
| DeLisle | $176 | 0% |
| Decatur | $163 | -7% |
| Delta City | $173 | -1% |
| Dennis | $160 | -9% |
| Derma | $165 | -6% |
| Diamondhead | $180 | 2% |
| Doddsville | $168 | -5% |
| Drew | $173 | -1% |
| Dublin | $185 | 5% |
| Duck Hill | $172 | -2% |
| Dumas | $159 | -9% |
| Duncan | $176 | 0% |
| Dundee | $175 | 0% |
| Durant | $179 | 2% |
| Eastabuchie | $167 | -5% |
| Ecru | $156 | -11% |
| Edwards | $182 | 4% |
| Elliott | $176 | 0% |
| Ellisville | $169 | -4% |
| Enid | $183 | 4% |
| Enterprise | $173 | -2% |
| Escatawpa | $174 | -1% |
| Ethel | $173 | -1% |
| Etta | $157 | -11% |
| Eupora | $168 | -4% |
| Falkner | $166 | -6% |
| Farmington | $158 | -10% |
| Farrell | $185 | 5% |
| Fayette | $197 | 12% |
| Fernwood | $176 | 0% |
| Flora | $180 | 2% |
| Florence | $175 | 0% |
| Flowood | $175 | 0% |
| Forest | $171 | -3% |
| Foxworth | $185 | 5% |
| French Camp | $169 | -4% |
| Friars Point | $186 | 6% |
| Fulton | $155 | -12% |
| Gallman | $185 | 5% |
| Gattman | $165 | -6% |
| Gautier | $173 | -2% |
| Georgetown | $178 | 1% |
| Glen | $158 | -10% |
| Glen Allan | $172 | -2% |
| Glendora | $183 | 4% |
| Gloster | $192 | 9% |
| Golden | $158 | -10% |
| Goodman | $180 | 2% |
| Gore Springs | $171 | -2% |
| Grace | $173 | -2% |
| Greenville | $171 | -3% |
| Greenwood | $168 | -4% |
| Greenwood Springs | $165 | -6% |
| Grenada | $175 | -1% |
| Gulf Hills | $174 | -1% |
| Gulf Park Estates | $174 | -1% |
| Gulfport | $179 | 2% |
| Gunnison | $171 | -3% |
| Guntown | $152 | -14% |
| Hamilton | $165 | -6% |
| Harperville | $174 | -1% |
| Harrisville | $177 | 1% |
| Hattiesburg | $167 | -5% |
| Hazlehurst | $184 | 5% |
| Heidelberg | $174 | -1% |
| Helena | $174 | -1% |
| Hermanville | $204 | 16% |
| Hernando | $166 | -5% |
| Hickory | $165 | -6% |
| Hickory Flat | $164 | -7% |
| Hide-A-Way Lake | $183 | 4% |
| Hillsboro | $170 | -3% |
| Holcomb | $174 | -1% |
| Hollandale | $169 | -4% |
| Holly Bluff | $185 | 5% |
| Holly Springs | $170 | -3% |
| Horn Lake | $170 | -3% |
| Houlka | $161 | -8% |
| Houston | $162 | -8% |
| Hurley | $175 | 0% |
| Independence | $175 | 0% |
| Indianola | $165 | -6% |
| Inverness | $166 | -5% |
| Isola | $167 | -5% |
| Itta Bena | $166 | -5% |
| Iuka | $161 | -8% |
| Jackson | $187 | 6% |
| Jayess | $180 | 2% |
| Jonestown | $184 | 5% |
| Kilmichael | $169 | -4% |
| Kiln | $184 | 5% |
| Kokomo | $183 | 4% |
| Kosciusko | $173 | -2% |
| Lake | $169 | -4% |
| Lake Cormorant | $169 | -4% |
| Lakeshore | $185 | 6% |
| Lamar | $171 | -2% |
| Lambert | $184 | 4% |
| Latimer | $174 | -1% |
| Lauderdale | $163 | -7% |
| Laurel | $169 | -4% |
| Lawrence | $165 | -6% |
| Leakesville | $180 | 3% |
| Leland | $169 | -4% |
| Lena | $177 | 1% |
| Lexington | $181 | 3% |
| Liberty | $187 | 6% |
| Little Rock | $164 | -7% |
| Long Beach | $177 | 1% |
| Lorman | $200 | 14% |
| Louin | $172 | -2% |
| Louise | $174 | -1% |
| Louisville | $170 | -3% |
| Lucedale | $177 | 0% |
| Ludlow | $171 | -3% |
| Lula | $180 | 2% |
| Lumberton | $176 | 0% |
| Lyman | $179 | 2% |
| Lynchburg | $171 | -3% |
| Lyon | $184 | 5% |
| Maben | $159 | -10% |
| Macon | $175 | -1% |
| Madden | $172 | -2% |
| Madison | $175 | 0% |
| Magee | $175 | 0% |
| Magnolia | $175 | 0% |
| Mantachie | $155 | -12% |
| Mantee | $169 | -4% |
| Marietta | $154 | -12% |
| Marion | $165 | -6% |
| Marks | $183 | 4% |
| Mathiston | $167 | -5% |
| Mayersville | $173 | -2% |
| Mayhew | $157 | -10% |
| Mc Adams | $172 | -2% |
| Mc Call Creek | $185 | 5% |
| Mc Carley | $174 | -1% |
| Mc Cool | $173 | -2% |
| Mc Henry | $170 | -3% |
| Mc Neill | $185 | 5% |
| McComb | $175 | 0% |
| McLain | $178 | 1% |
| Meadville | $187 | 7% |
| Memphis Stc | $165 | -6% |
| Mendenhall | $176 | 0% |
| Meridian | $165 | -6% |
| Merigold | $170 | -3% |
| Metcalfe | $171 | -3% |
| Michigan City | $172 | -2% |
| Midnight | $173 | -2% |
| Minter City | $167 | -5% |
| Mississippi State | $150 | -14% |
| Mississippi Valley State University | $166 | -5% |
| Mize | $175 | -1% |
| Monticello | $181 | 3% |
| Montpelier | $166 | -5% |
| Mooreville | $152 | -14% |
| Moorhead | $167 | -5% |
| Morgan City | $167 | -5% |
| Morgantown | $189 | 7% |
| Morton | $174 | -1% |
| Moselle | $169 | -4% |
| Moss | $171 | -3% |
| Moss Point | $176 | 0% |
| Mound Bayou | $170 | -3% |
| Mount Olive | $180 | 2% |
| Mount Pleasant | $170 | -3% |
| Myrtle | $157 | -11% |
| Natchez | $189 | 8% |
| Neely | $180 | 3% |
| Nellieburg | $164 | -7% |
| Nesbit | $167 | -5% |
| Nettleton | $157 | -11% |
| New Albany | $155 | -12% |
| New Augusta | $181 | 3% |
| New Houlka | $161 | -8% |
| New Site | $155 | -12% |
| Newhebron | $182 | 4% |
| Newton | $164 | -7% |
| Nicholson | $183 | 4% |
| North Carrollton | $173 | -2% |
| North Tunica | $174 | -1% |
| Noxapater | $171 | -3% |
| Oak Vale | $180 | 3% |
| Oakland | $179 | 2% |
| Ocean Springs | $174 | -1% |
| Okolona | $162 | -8% |
| Olive Branch | $167 | -5% |
| Osyka | $178 | 1% |
| Ovett | $171 | -3% |
| Oxford | $166 | -5% |
| Pace | $170 | -3% |
| Pachuta | $174 | -1% |
| Panther Burn | $175 | 0% |
| Parchman | $176 | 0% |
| Paris | $163 | -7% |
| Pascagoula | $176 | 0% |
| Pass Christian | $177 | 0% |
| Pattison | $202 | 15% |
| Paulding | $174 | -1% |
| Pearl | $175 | 0% |
| Pearl River | $167 | -5% |
| Pearlington | $180 | 2% |
| Pelahatchie | $175 | 0% |
| Perkinston | $170 | -3% |
| Petal | $165 | -6% |
| Pheba | $161 | -8% |
| Philadelphia | $167 | -5% |
| Philipp | $177 | 1% |
| Picayune | $183 | 4% |
| Pickens | $182 | 4% |
| Piney Woods | $173 | -1% |
| Pinola | $177 | 1% |
| Pittsboro | $162 | -8% |
| Plantersville | $152 | -13% |
| Pontotoc | $157 | -10% |
| Pope | $182 | 3% |
| Poplarville | $181 | 3% |
| Port Gibson | $203 | 15% |
| Porterville | $173 | -1% |
| Potts Camp | $167 | -5% |
| Prairie | $165 | -6% |
| Prentiss | $185 | 5% |
| Preston | $173 | -2% |
| Puckett | $178 | 1% |
| Pulaski | $174 | -1% |
| Purvis | $173 | -2% |
| Quitman | $175 | 0% |
| Raleigh | $175 | 0% |
| Randolph | $157 | -11% |
| Rawls Springs | $166 | -6% |
| Raymond | $184 | 5% |
| Red Banks | $170 | -3% |
| Redwater | $174 | -1% |
| Redwood | $180 | 2% |
| Rena Lara | $180 | 2% |
| Richland | $177 | 0% |
| Richton | $180 | 2% |
| Ridgeland | $176 | 0% |
| Rienzi | $158 | -10% |
| Ripley | $161 | -8% |
| Robinhood | $176 | 0% |
| Robinsonville | $176 | 0% |
| Rolling Fork | $172 | -2% |
| Rome | $178 | 1% |
| Rose Hill | $171 | -2% |
| Rosedale | $168 | -4% |
| Roxie | $191 | 9% |
| Ruleville | $169 | -4% |
| Ruth | $175 | 0% |
| Sallis | $173 | -1% |
| Saltillo | $152 | -14% |
| Sandersville | $171 | -3% |
| Sandhill | $174 | -1% |
| Sandy Hook | $183 | 4% |
| Sarah | $175 | -1% |
| Sardis | $181 | 3% |
| Satartia | $188 | 7% |
| Saucier | $177 | 1% |
| Schlater | $165 | -6% |
| Scobey | $176 | 0% |
| Scooba | $172 | -2% |
| Scott | $169 | -4% |
| Sebastopol | $171 | -3% |
| Seminary | $178 | 1% |
| Senatobia | $172 | -2% |
| Shannon | $152 | -13% |
| Sharon | $169 | -4% |
| Shaw | $167 | -5% |
| Shelby | $173 | -1% |
| Sherard | $185 | 6% |
| Sherman | $155 | -12% |
| Shubuta | $176 | 0% |
| Shuqualak | $174 | -1% |
| Sibley | $192 | 9% |
| Sidon | $166 | -6% |
| Silver City | $174 | -1% |
| Silver Creek | $184 | 5% |
| Slate Spring | $168 | -4% |
| Sledge | $178 | 1% |
| Smithdale | $183 | 4% |
| Smithville | $164 | -7% |
| Snow Lake Shores | $169 | -4% |
| Sontag | $181 | 3% |
| Soso | $167 | -5% |
| Southaven | $169 | -4% |
| St. Martin | $174 | -1% |
| Star | $175 | -1% |
| Starkville | $151 | -14% |
| State Line | $179 | 2% |
| Steens | $157 | -11% |
| Stewart | $169 | -4% |
| Stoneville | $175 | -1% |
| Stonewall | $173 | -1% |
| Stringer | $170 | -3% |
| Sturgis | $151 | -14% |
| Summit | $177 | 1% |
| Sumner | $184 | 5% |
| Sumrall | $176 | 0% |
| Sunflower | $167 | -5% |
| Swan Lake | $181 | 3% |
| Swiftown | $168 | -4% |
| Taylor | $165 | -6% |
| Taylorsville | $176 | 0% |
| Tchula | $179 | 2% |
| Terry | $184 | 5% |
| Thaxton | $160 | -9% |
| Thomastown | $174 | -1% |
| Tie Plant | $177 | 1% |
| Tillatoba | $181 | 3% |
| Tinsley | $191 | 8% |
| Tiplersville | $165 | -6% |
| Tippo | $183 | 4% |
| Tishomingo | $160 | -9% |
| Toccopola | $159 | -10% |
| Toomsuba | $165 | -6% |
| Tougaloo | $185 | 5% |
| Trebloc | $164 | -7% |
| Tremont | $158 | -10% |
| Tunica | $174 | -1% |
| Tupelo | $151 | -14% |
| Tutwiler | $182 | 3% |
| Tylertown | $176 | 0% |
| Union | $165 | -6% |
| Union Church | $194 | 11% |
| University | $166 | -5% |
| Utica | $193 | 10% |
| Vaiden | $171 | -3% |
| Valley Park | $176 | 0% |
| Van Vleet | $163 | -7% |
| Vance | $185 | 5% |
| Vancleave | $174 | -1% |
| Vardaman | $163 | -7% |
| Vaughan | $190 | 8% |
| Verona | $151 | -14% |
| Vicksburg | $180 | 3% |
| Victoria | $173 | -2% |
| Vossburg | $175 | 0% |
| Walls | $171 | -3% |
| Walnut | $164 | -7% |
| Walnut Grove | $170 | -3% |
| Walthall | $170 | -3% |
| Washington | $194 | 10% |
| Water Valley | $172 | -2% |
| Waterford | $169 | -4% |
| Waveland | $182 | 3% |
| Waynesboro | $175 | -1% |
| Wayside | $176 | 0% |
| Webb | $182 | 4% |
| Weir | $170 | -3% |
| Wesson | $179 | 2% |
| West | $175 | 0% |
| West Hattiesburg | $168 | -4% |
| West Point | $164 | -7% |
| Wheeler | $154 | -12% |
| Whitfield | $179 | 2% |
| Wiggins | $168 | -4% |
| Winona | $169 | -4% |
| Winstonville | $173 | -2% |
| Winterville | $175 | 0% |
| Woodland | $161 | -8% |
| Woodville | $196 | 12% |
| Yazoo City | $190 | 8% |
The average cost of car insurance in Mississippi’s biggest cities:
- Jackson, $187 per month
- Gulfport, $179 per month
- Southaven, $169 per month
- Hattiesburg, $167 per month
- Biloxi, $177 per month
Minimum coverage for car insurance in Mississippi
You need these coverages to meet Mississippi’s auto insurance requirements:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
Bodily injury liability coverage can help pay the medical bills of people you injure in an accident. Property damage liability coverage helps pay for damage you cause to someone else’s vehicle or other property like fences, toll booths and light posts.
State law requires you to keep proof of insurance in your vehicle at all times. A law enforcement officer can ask to see it during a traffic stop. You can use a printed insurance ID card or a digital copy on your smartphone.
The penalties for driving without insurance in Mississippi include a fine and suspension of your driving privileges.
Frequently asked questions
Car insurance in Mississippi costs $176 per month, on average, if you buy full coverage. For liability coverage, the state average cost is $59 per month.
To get cheap car insurance in Mississippi, make sure you get a quote from State Farm and Travelers.
State Farm has the state’s cheapest rates for full coverage, at $107 per month, and liability coverage, at $28 per month. Travelers’ average rate for full coverage is $125 per month, and for liability coverage it’s $50 per month.
The initial fine for a no-insurance ticket in Mississippi is $1,000.
Yes. You are required to carry liability car insurance in Mississippi. However, you can post a bond or cash deposit with the state as an alternative.
How we selected the cheapest car insurance companies in Mississippi
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
How we evaluated car insurance companies in Mississippi
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members.