Reviews Report

• Drivers in Mississippi are legally required to carry at least 25/50/25 liability coverage and be able to show proof (paper or electronic).
• State Farm, Progressive, GEICO, Allstate and USAA dominate market share; prices have shifted since 2021 and overall satisfaction declined amid industrywide rate hikes, so shop and compare regularly.

Car insurance is a legal requirement in Mississippi. If you own a registered vehicle, you must carry a minimum amount of insurance to comply with Mississippi car insurance laws. Drivers in Mississippi have a number of options when it comes to auto insurance. We identified the best car insurance in Mississippi using recent state pages from Bankrate and NerdWallet, cross-checked with Forbes Advisor and The Zebra, plus third‑party ratings such as J.D. Power. We also accounted for broad premium inflation reflected in the BLS Consumer Price Index. 

The 4 Best Auto Insurance Companies in Mississippi

• Allstate: Best Mississippi Car Insurance for Customization
• Progressive: Best Mississippi Car Insurance for Discounts
• State Farm: Best for Cheap Mississippi Car Insurance
• USAA: Best Mississippi Car Insurance for Military-Centric Options

Information accurate as of November 2025

*Recent averages compiled from Bankrate, NerdWallet and Forbes Advisor state pages; methodologies vary.

**J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

* Recent averages compiled from Bankrate, NerdWallet and Forbes Advisor; values vary by profile and method.

**J.D. Power 2021 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

The Average Cost of Car Insurance in Mississippi

The average annual cost of car insurance in Mississippi currently runs about $1,900–$2,050 for full coverage and roughly $520–$620 for minimum coverage for a standard “good driver” profile, based on recent state pages from Bankrate and NerdWallet. Mississippi generally benchmarks below the latest U.S. averages, though prices have risen sharply since 2021 amid higher claim costs, repair inflation and weather losses (see BLS CPI). Mississippi faces severe-weather risks, including hurricanes and tornadoes, which can pressure premiums even when the state averages remain below national levels.

Every driver in Mississippi pays a different car insurance rate. You might pay more or less than the statewide average based on factors like your age, gender, credit score, accident history, ZIP code, vehicle and coverage selections. Shopping intensity remains high; consider quotes from multiple carriers and telematics/usage-based programs that can reward safe, low-mileage driving (see J.D. Power Insurance Shopping Study).

Top 3 Cheapest Car Insurance Companies in Mississippi (historical sample)

* These figures reflect earlier sample data; current statewide averages are about $1,900–$2,050 (full) and $520–$620 (minimum), depending on profile and methodology. See Bankrate and NerdWallet for the latest details.

Top 3 Most Expensive Car Insurance Companies in Mississippi (historical sample)

* These company figures were from prior samples and may not reflect today’s pricing. Recent surveys show Mississippi’s overall averages near the low‑$2,000s for full coverage and mid‑$500s for minimum; see Bankrate, NerdWallet and Forbes Advisor.

Top 3 Cheapest Cities for Car Insurance in Mississippi (historical sample)

* Historical snapshots only; current premiums vary widely by ZIP code, driver, and vehicle. For up-to-date statewide context, see The Zebra and Bankrate.

Top 3 Most Expensive Cities for Car Insurance in Mississippi (historical sample)

* Historical snapshots only; re-quote for current prices. Severe-weather exposure, repair costs and claim trends continue to affect Mississippi rates. See Forbes Advisor and The Zebra.

Mississippi Car Insurance: What You Need to Know

Car accidents are a frequent occurrence in Mississippi. Having a comprehensive car insurance policy can protect you in the event of a crash. Here are some Mississippi driving statistics to consider

• Mississippi recorded 697 motor vehicle fatalities in 2022 (final), with rates per population and per mile traveled among the highest in the nation (IIHS state-by-state).
• Alcohol impairment and speeding each account for a sizable share of Mississippi deaths, and a majority occur on rural roads (IIHS).
• Seat belt use trails the U.S. average; more than half of passenger vehicle occupants killed were unrestrained in 2022, and national front-seat use was about 91.9% in 2023 (NHTSA).

Mississippi Minimum Insurance Requirements

Car insurance laws in Mississippi mandate 25/50/25 minimum car insurance coverage. Drivers must carry at least that much insurance coverage in order to legally operate their vehicle. Uninsured motorist coverage is included by default unless rejected in writing, and proof of insurance may be shown electronically. It is recommended that drivers raise their liability coverage limits for more protection in the event of an at-fault accident.

Minimum liability required in the state of Mississippi is divided as follows:

• $25,000 for bodily injury coverage per person
• $50,000 for bodily injury coverage per accident
• $25,000 for property damage coverage per accident

Mississippi’s At-Fault Law

Mississippi is considered an at-fault (tort) state. That means after an accident, the at-fault driver’s insurance company is responsible for compensating the other driver for their medical expenses and vehicle damage. In a no-fault state, a driver’s insurance company will automatically pay for their own medical bills and lost wages after a crash, regardless of which driver was responsible. Mississippi applies comparative negligence rules, and uninsured motorist coverage is offered by default unless rejected in writing.

Mississippi No Proof of Insurance Penalty

In Mississippi, drivers must carry proof of insurance in their vehicle, and provide proof of insurance when requested by law enforcement. If you get stopped and do not have proof of insurance, you are subject to penalties. Operating without required liability insurance is a misdemeanor that can carry a fine up to $1,000 and a suspension of driving privileges, with limited relief if you promptly show valid coverage per statute (Miss. Code §63-15-4). Mississippi also uses an Electronic Insurance Verification System (EIVS) to confirm active coverage.

Additional Car Insurance Coverage in Mississippi

Drivers in Mississippi are required to carry a minimum amount of liability insurance. However, there are a handful of additional policies that drivers should consider purchasing for more protection. Here are some recommendations:

• Collision insurance: Collision insurance pays to repair your vehicle’s damages if you cause an accident. It also covers damage due to rollovers and collisions with stationary objects.
• Comprehensive insurance: Comprehensive insurance pays to repair your vehicle’s damages after a non-collision incident, like theft, vandalism, flooding, fire, and falling objects.
• Gap insurance: If you lease or finance your vehicle, and it gets totaled in a covered accident, gap insurance pays the difference between your car’s diminished value and the remaining balance on your loan. 
• Accident forgiveness: With accident forgiveness, your car insurance premium will not increase after your first accident. This policy is not offered by every insurer, but the largest car insurance providers usually sell it.

Mississippi Car Insurance FAQ 

Methodology 

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. We referenced recent Mississippi data and insurer comparisons from Bankrate, NerdWallet, Forbes Advisor and The Zebra, and used J.D. Power studies for satisfaction context.

As for average pricing, we drew on 2024–2025 state pages from the sources above, which generally model a 40‑year‑old good driver across multiple ZIP codes, vehicles and carriers. A typical full coverage example might include limits and deductibles similar to the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a recent-model sedan, commute regularly and drive around 12,000 miles annually; exact assumptions vary by source and are detailed on each methodology page.

These are sample rates and should only be used for comparative purposes.

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