For drivers looking for the best mississippi car insurance companies, we have provided our top 5 picks. USAA ranked as our top auto insurance provider in Mississippi, followed closely by State Farm. Both have solid customer service, numerous discounts, and are cheaper than other options on the market today.
Also worth your consideration is Metropolitan Insurance, Alfa Insurance, and MS Farm Bureau Casualty. Each provider has something special about it, and each is at a fairly standard price point.
The 5 Best Car Insurance Companies in Mississippi
Complete the following table with information where highlighted based on your research for each top pick. Add or delete columns if needed based on the number of top picks.
|USAA||State Farm||Metropolitan Insurance||ALFA Insurance||MS Farm Bureau Casualty|
|Our review||Our review||Our review||Our review||Our review|
|A.M. Best Financial Strength Rating||A++||A++||A+||A++||A+|
|J.D. Power 2019 Overall Customer Satisfaction Score||5/5||4/5||N/A||N/A||N/A|
|Avg. Annual Premium||$587||$706||$808||$853||$797|
|Compare rates||Compare rates||Compare rates||Compare rates||Compare rates|
Quadrant car insurance rate data as of 07/01/2019.
- High customer satisfaction ratings
- Offers a variety of discounts for members
- Only for active or retired military and their families
- Among the best customer satisfaction ratings in the industry
- Accident forgiveness
- Other discounts available
- Only available to active and retired military and military families
USAA is consistently one of the top ranked auto insurers in the country. It has some of the best rates in the business, and customers routinely give it high marks.
A downside is that you have to either be an active or retired military member to qualify. However, if you are a family member of an active or retired military member, you may be eligible to join.
USAA offers numerous discounts to help you save on your auto insurance, some of which include:
- Discount for cars less than three years old
- Defensive driving discount
- Safe driver discount
- Loyal member discount
- Vehicle storage discount
- Great online presence
- High claims satisfaction scores
Poorly designed mobile app
- Strong company for owners of new cars
- Great online resources
- Doesn’t offer as many discounts as competitors
- App is glitchy
State Farm has some of the best ratings from A.M. Best, S&P Global, and Moody’s. These are indicative of consistently good customer service and a positive claim settlement process.
If you’re looking for an auto insurance company with extensive online resources, State Farm has a solid collection of tools and information for its members through its member portal.
The only possible drawback is its mobile app. Despite high ratings in the App Store and Google play, there are a significant number of reports indicating buggy performance. However, it’s likely this will be remedied in the near future.
- Unique supplemental insurance
- Great discounts
- Streamlined quote process
- Flawed mobile app
Metropolitan insurance has a few standout features that other auto insurers don’t offer. For example, if you chip your windshield, Metropolitan will waive your deductible. It will also pay your legal fees if you are sued after an accident.
Additionally, Metropolitan offers some attractive discounts to its Mississippi (and other) members. Take a driver training course or maintain a clear driving record and you could be eligible for additional monthly savings.
One downside is that users report that the mobile app is far from perfect. However, the app does offer features that people need the most, including reporting an accident and paying your bill.
- Multiple coverage options available
- Numerous discounts available
- Online resources could be stronger
Alfa insurance offers five insurance coverage options. Choose from comprehensive, collision, liability, medical, and uninsured motorists.
Members have the ability to take advantage of numerous discounts. You can save by having air bags, anti-theft devices, or even attending a defensive driver class.
About the only thing we noticed Alfa could improve is its pool of online resources for members. Granted this is a small complaint when Alfa seems to get everything else right — for example, it still has a solid and stable mobile app, which seems to be a hangup for many auto insurers.
MS Farm Bureau Casualty
- Bundle with home insurance
- Multiple discounts
- Must be a member of your county Farm Bureau Agricultural Organization
MS Farm Bureau allows you access to multiple discounts for your auto insurance policy. For example, it offers a claims-free discount and an air bag discount (which are pretty easy criteria to meet for a lot of people). Plus, if you bundle your auto policy with a home insurance policy you can really save big.
One major drawback is that MS Farm Bureau won’t insure just anyone.You have to be an active member of your farm bureau agriculture organization to be eligible for a policy.
The Cheapest Car Insurance Companies In Mississippi
|Car Insurance Companies||Average Annual Premium|
|Provider 1 USAA||$587|
|2 State Farm||$706|
|3 MS Farm Bureau Casualty||$797|
|4 Metropolitan Insurance||$808|
|5 ALFA Insurance||$853|
|7 Safe Auto||$951|
|8 Shelter Mutual||$1,089|
Car Insurance by Credit Rating
|Credit Rating Tier||Average Annual Premium|
|Average Across Credit Rating Tiers||$1,048|
Quadrant car insurance rate data as of 07/01/2019.
These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.
Top 3 Cheapest Car Insurance Companies in Mississippi
• USAA – $587
• State Farm – $706
• MS Farm Bureau Casualty – $797
Top 3 Most Expensive Car Insurance Companies in Mississippi
• Shelter Mutual – $1,089
• Safeway – $1,103
• Allstate – $1,403
The cheapest auto insurer by averages in Mississippi is USAA, while the most expensive is Allstate. However, you may receive a different quote from each insurer based on your driving record, the age of your car, and the type of coverage you need. To receive a more accurate quote, contact each company and request a personalized quote.
Guide to Mississippi Car Insurance
Mississippi Minimum Liability
Liability basically translates to “responsibility.” When it comes to auto insurance, there are two main kinds of liability you need to be aware of: bodily injury and property damage. What this means is that if you are at-fault in a car accident and you have liability coverage, your insurance provider will pay the other driver’s medical and car repair costs without you having to foot the bill.
The state of Mississippi requires you to purchase, at minimum, liability insurance. Mississippi’s minimum liability breaks down 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
Consider purchasing more than minimum coverage
It’s typically unwise to purchase just the minimum liability coverage. If you’re in a car accident involving another person, depending on what car they have, the crash could exceed the minimum liability of $25,000 in property damage coverage per accident. If this were the case, you would be stuck paying for the rest of the bill out of pocket.
This is why it is always safest to purchase the highest amount of auto insurance you can reasonably afford. After all, the purpose of insurance is to protect you against life’s unforeseen events.
How We Found the Best Mississippi Car Insurance Companies
To determine the best car insurance companies in Mississippi, we first looked at the largest providers in Mississippi, and then further analyzed them based on A.M. Best ratings, J.D. Power rankings, as well as annual premiums.
We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.
Mississippi Car Insurance Companies FAQ
Is it against the law to drive without insurance in Mississippi?
Under Mississippi law it is illegal to drive without car insurance. Penalties include a possible fine of up to $1,000 and suspension of your driver’s license.
How much is auto insurance in Mississippi?
On average, Mississippi drivers pay $1,048 for their auto insurance.