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The Best Car Insurance Companies in Mississippi

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    Reviews Report

    • USAA is the cheapest car insurance company in Mississippi, and earns a 4.8 out of 5.
    • Drivers in Mississippi are legally required to carry at least 25/50/25 liability coverage
    • State Farm, Progressive, and Allstate are close competitors to USAA based on coverage, discounts, and more.

    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 based on factors like average rate, coverage options, discounts, financial strength, and third-party ratings. 

    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 Cheapest Mississippi Car Insurance
    • USAA: Best Mississippi Car Insurance for Military Members

    Compare the Best Car Insurance Companies in Mississippi

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Allstate$1,946.11$489.113.8A+838
    Pin Progressive$2,104.41$613.014A+828
    Pin State Farm$1,749.03$454.694.6A++856
    Pin USAA$1,469.06$418.934.8A++890

    Information accurate as of July 2021

    *Data provided by Coverage.com

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

    Best for Customizable Coverage

    Why we chose it

    Allstate equips customers with the tools and resources to customize their car insurance coverage through rideshare insurance, Mexico trip coverage, sound system coverage and more.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $489.11* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 838** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate equips customers with the tools and resources to customize their car insurance coverage through rideshare insurance, Mexico trip coverage, sound system coverage and more.

    Pros

    • Many endorsements available
    • Good discount options
    • Online tools and resources

    Cons

    • Below-average customer satisfaction ratings
    • No annual billing available — only monthly or bi-annual
    Read More

    Types of Coverage Offered

    • New car replacement
    • Accident forgiveness
    • Sound system coverage
    • Roadside assistance
    • Personal injury protection
    • Rideshare insurance

    Discounts Available

    • Anti-lock brakes
    • Pay in full
    • Responsible payer
    • Smart student
    • Drivewise® program
    • New car

    More Allstate Insurance Reviews

    Best for Discounts

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $613.01* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 828** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.

    Pros

    • Wide variety of discounts
    • Fast and efficient claims handling
    • Variety of add-on coverage

    Cons

    • Average customer service ratings
    • Some discounts not offered in certain states
    Read More

    Types of Coverage Offered

    • Roadside assistance
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-vehicle
    • Continuous insurance
    • Snapshot® program
    • Distant student
    • Homeowner

    More Progressive Insurance Reviews

    Best for Cheap Car Insurance

    Why we chose it

    State Farm has the cheapest car insurance in Mississippi available to everyone based on our data, making it a great choice for people on a budget who need coverage.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $454.69* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm has the cheapest car insurance in Mississippi available to everyone based on our data, making it a great choice for people on a budget who need coverage.

    Pros

    • Strong financial strength ratings
    • Wide variety of discounts
    • Second-cheapest car insurance premiums

    Cons

    • Fewer add-on coverage than competitors
    • Average customer satisfaction rating
    Read More

    Types of Coverage Offered

    • Rental car and travel expenses coverage
    • Roadside assistance coverage
    • Rideshare driver coverage

    Discounts Available

    • Policy bundling
    • Accident-free
    • Defensive driving course
    • Good driver
    • Vehicle safety
    • Anti-theft device

    More State Farm Insurance Reviews

    Best for Military Members

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $418.93* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 890** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • High customer satisfaction rating

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    • Limited endorsements
    Read More

    Types of Coverage Offered

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Discounts Available

    • New vehicle
    • Annual mileage
    • Family discount
    • Length of membership
    • Military installation

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **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 is $1,719 for full coverage and $482 for minimum coverage. Car insurance in Mississippi is more expensive than the United States national average, which is $1,555 for a full coverage policy. Mississippi faces some extreme weather risks, like hurricanes and tornadoes, that contribute to the higher cost of car insurance.

    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, and the make, model, and year of your vehicle.

    Top 3 Cheapest Car Insurance Companies in Mississippi

    CompanyAverage Annual Premium
    USAA$418.93
    State Farm$454.69
    Allstate$489.11

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Mississippi

    CompanyAverage Annual Premium
    Shelter$1,280.86
    Metropolitan$941.34
    Safeway$670.01

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Mississippi

    CityAverage Annual Premium*
    Starkville$635.38
    Amory$655.92
    Aberdeen$668.52

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Mississippi

    CityAverage Annual Premium*
    Jackson$928.47
    Gulfport$911.75
    Horn Lake$910.61

    * Data provided by Coverage.com, price based on the state minimum required policy.

    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

    • In 2016, 690 people were killed in car accidents in Mississippi.
    • About 18% of Mississippi traffic deaths in 2016 involved impaired drivers.
    • Mississippi has one of the lowest seat belt use rates in the county. Only about 78% of Mississippi drivers always wear their seat belt.

    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. However, 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 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 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. For a first offense, you will have to pay a $1,000 fine, and your license will be suspended for one year, or until you can provide proof of insurance documentation.

    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 scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Mississippi, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Mississippi, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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