Cheap Auto Insurance in Mississippi for 2025 (Top 10 Low-Cost Companies)
Cheap auto insurance in Mississippi starts at just $26 a month with top providers Geico, State Farm, and Travelers. Geico is the best pick, offering affordable premiums and excellent online tools. These MS auto insurance leaders provide great value, reliable coverage, and solid customer service.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Feb 18, 2025
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1,731 reviewsGeico, State Farm, and Travelers are the top providers of cheap auto insurance in Mississippi, with Geico offering the lowest prices, starting at $26 per month. These add value.
These add value. These Mississippi car insurance companies are well-known for offering competitive rates, excellent customer service, and customizable coverage. They offer different plans to suit many needs with budget-friendly options for every driver.
Our Top 10 Company Picks: Cheap Auto Insurance in Mississippi
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $26 | A++ | Online Tools | Geico |
 | #2 | $31 | B | Personalized Service | State Farm |
 | #3 | $33 | A++ | Rural Drivers | Travelers |
 | #4 | $35 | A+ | High-Risk Drivers | Direct Auto |
 | #5 | $36 | A+ | Vanishing Deductible | Nationwide |
 | #6 | $45 | A | Multi-Policy Discounts | Liberty Mutual |
 | #7 | $46 | A | Customer Service | American Family |
 | #8 | $47 | A+ | Snapshot Program | Progressive |
 | #9 | $54 | A | Bundling Policies | Farmers |
 | #10 | $55 | A+ | Roadside Assistance | Allstate |
Whether you want comprehensive and collision coverage, strong online tools, or personalized service, these providers have something for everyone. Compare and find the best cheap auto insurance in MS for you. See if you’re getting the best deal on car insurance by entering your ZIP code here.
#1 – Geico: Best for Online Tools
Pros
- Affordable Premiums: Geico offers some cheap car insurance in Mississippi, with premiums as low as $26 a month.
- Easy Online Management: Mississippi drivers like Geico have a simple online interface, which makes it easy to handle policies, make claims, and receive assistance.
- Responsible Driver Discount: Geico gives safe drivers a break and provides discounts to safe Mississippi drivers.
Cons
- Limited Local Presence: Geico lacks extensive agents in Mississippi, which can disadvantage those needing local assistance.
- More Expensive for Younger Drivers: Young drivers might pay more, as their risk factor results in Geico auto insurance review evidencing higher rates for this demographic.
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#2 – State Farm: Best for Personalized Service
Pros
- Strong Financial Platform: Backed by a strong A++ rating, State Farm provides Mississippi motorists peace of mind, offering dependable protection for long-term stability.
- Personalized Policies: State Farm sells car insurance in Mississippi through neighborhood agents who sit down with motorists to design individualized coverage programs tailored to meet specific requirements.
- Comprehensive Coverage: Mississippi drivers have access to several coverage types, including collision, thorough, and liability plans, which provide cover in several different situations.
Cons
- Higher Costs: The extensive range of State Farm auto insurance review options means that policies can come at a premium, which may be a downside for budget-conscious customers.
- Limited Online Tools: State Farm’s online platform falls behind competitors like Geico, making it less convenient for those who prefer managing their policy digitally.
#3 – Travelers: Best for Rural Drivers
Pros
- Affordable for Rural Drivers: Travelers is a great option for rural drivers on a budget, providing cost-effective plans that suit their requirements.
- Flexible Plans: Mississippi motorists can choose from various plans, from basic liability coverage to extensive packages catering to their needs.
- Discount Opportunities: Qualifying rural drivers in low-risk groups can enjoy Travelers’ exclusive discounts and keep Mississippi auto insurance affordable.
Cons
- Limited Physical Presence: The absence of local offices in Mississippi will be inconvenient for those who need face-to-face customer service.
- High Premiums for Younger Drivers: Rates tend to be higher for young drivers, which could make Travelers auto insurance review less appealing to this group.
#4 – Direct Auto: Best for High-Risk Drivers
Pros
- Reasonable Prices for High-Risk Motorists: Direct Auto gives reasonable prices for high-risk motorists looking for car insurance in Mississippi.
- Affordable Payment Schedules: Direct Auto has month-to-month payment schedules for individuals purchasing car insurance in Mississippi.
- Comprehensive Coverage: High-risk drivers in Mississippi can access full coverage options, including liability, collision, and comprehensive plans.
Cons
- Limited Discounts: Direct Auto offers fewer discounts than other insurers for those seeking car insurance in Mississippi.
- Slow Customer Service: Some Mississippi drivers report longer response times from Direct Auto’s customer service.
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#5 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible lowers premiums and out-of-pocket costs for careful Mississippi drivers.
- Comprehensive Coverage Options: Mississippi motorists can enjoy many types of coverages, such as uninsured motorist protection and medical payments, making it a great option in this Nationwide car insurance review.
- Multi-Vehicle Discounts: Nationwide’s bundling of policies can result in substantial savings for drivers with multiple vehicles, which places it as the potentially cheapest car insurance in Mississippi.
Cons
- Higher Premiums: Nationwide premiums might be expensive compared to rivals, discouraging drivers interested in Mississippi’s best affordable car insurance.
- Limited Agent Availability: Drivers in some rural areas may have difficulty finding a local agent, as noted in this Nationwide Auto Insurance Review.
#6 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Bundled Savings: This Liberty Mutual auto insurance review points to bundling home and auto policies as the best way to tap into huge discounts.
- Flexible Coverage Options: Mississippi motorists can add endorsements to make their coverage fit their personal needs.
- Low Liability Rates: Liberty Mutual is famous for offering cheap car insurance in MS, especially for drivers concerned about liability coverage.
Cons
- Higher Premiums for Younger Drivers: Premiums for younger drivers may be higher, which can render them unaffordable for this demographic.
- Mixed Support: Mississippi customer service ratings for Liberty Mutual are mixed, with some customers reporting inconsistent support.
#7 – American Family: Best for Customer Service
Pros
- Superior Customer Service: Our American Family auto insurance review says they provide first-rate customer service to Mississippi drivers to ensure a satisfying experience.
- Diversity of Coverage Choices: There are several policies in Mississippi that drivers may choose from, suiting their individual needs and preferences.
- Discounts for Safe Drivers: If you have a good driving record, American Family has discounts that can reduce your total premium.
Cons
- Higher Premiums for Younger Drivers: Mississippi car insurance rates can be higher for young drivers, making it more expensive to insure newer or less experienced drivers.
- Less Comprehensive Online Tools: Compared to other insurers, like Geico, American Family’s online tools and resources are a bit more limited.
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#8 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program Discounts: Progressive’s Snapshot program offers discounts for safe driving, which makes it an excellent choice for those who want to save money on auto insurance in Mississippi.
- Comprehensive Coverage: Drivers in Mississippi can choose from a variety of coverage types, such as liability, collision, and thorough coverage, so they can drive with confidence.
- New Driver Low Rates: Progressive provides low rates through its Snapshot program, which is particularly helpful for auto insurance Mississippi newcomers who are new to the scene.
Cons
- Snapshot Program May Not Suit All Drivers: While many benefit from the Snapshot program, some drivers might find it too invasive for their liking.
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for high-risk drivers, which could be a drawback for some in Progressive auto insurance review situations.
#9 – Farmers: Best for Bundling Policies
Pros
- Bundling Discounts: Farmers Auto Insurance Review identifies significant savings for Mississippi residents who bundle home and auto insurance, providing great value for those wanting to insure their home and car.
- Comprehensive Coverage Options: Mississippi auto insurance from Farmers gives an extensive range of options, allowing drivers to choose a policy that suits their requirements.
- Flexible Plans: Farmers Auto Insurance allows Mississippi drivers to tailor their coverage with add-ons, allowing them to design a policy that fits their circumstances.
Cons
- Higher Premiums for Young Drivers: Young drivers may encounter steeper premiums when purchasing Mississippi car insurance, which can challenge younger policyholders.
- Limited Discounts for Single Policyholders: If you choose not to bundle your coverage, you might miss out on savings, making standalone policies less cost-effective.
#10 – Allstate: Best for Roadside Assistance
Pros
- Comprehensive Roadside Assistance: Allstate roadside assistance is of great value for Mississippi motorists who require rapid aid on the road.
- Customized Coverage: Drivers in Mississippi can customize their coverages, including optional features such as roadside assistance and rental reimbursement.
- Good Driver Discounts: Allstate rewards responsible driving with discounts, making Allstate a desirable option for Mississippi drivers who value safety and responsibility.
Cons
- Premiums May Be Higher for Young Drivers: Young drivers in Mississippi might find that their premiums are on the higher end when choosing Allstate auto insurance review, which could affect affordability.
- Limited Availability of Local Agents: In some rural parts of Mississippi, fewer Allstate agents may be available for face-to-face support, which can be inconvenient for those seeking cheap auto insurance in Mississippi.
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Mississippi Car Insurance Coverage and Rates
In Mississippi, the average cost of car insurance depends on the type of coverage. Geico has the lowest minimum coverage at $26/month, and Direct Auto is second at $35. Other companies range from $31 to $46 for minimum coverage.
Mississippi Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $147 |
| $46 | $120 |
| $35 | $69 |
| $54 | $145 |
| $26 | $72 |
| $45 | $119 |
| $36 | $96 |
| $47 | $121 |
| $31 | $82 |
| $33 | $88 |
Full coverage is more pricey, and Allstate charges $147 per month. Direct Auto is still low-cost at $69. Farmers and Progressive both cost approximately $145 and $121, respectively, for complete protection plans.
If the company involves the use of vehicles, it needs commercial auto insurance. This protects against liability and collision, as well as additional safeguards. For trucking, delivery services, or anything of that sort, commercial auto insurance assists in protection.
Mississippi Driving Accidents and Claims
Mississippi cities such as Jackson and Gulfport have the highest rates of accidents and claims, with Jackson experiencing 5,000 accidents and 4,500 claims every year. These statistics are used to help calculate the average Mississippi car insurance costs.
Mississippi Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Biloxi | 1,200 | 1,100 |
| Gulfport | 3,000 | 2,700 |
| Hattiesburg | 1,500 | 1,400 |
| Jackson | 5,000 | 4,500 |
| Meridian | 900 | 850 |
| Olive Branch | 1,000 | 950 |
| Pearl | 1,100 | 1,000 |
| Southaven | 2,000 | 1,800 |
| Tupelo | 1,300 | 1,200 |
| Vicksburg | 800 | 700 |
Smaller cities such as Meridian and Vicksburg see fewer accidents, with Meridian recording 900 accidents and 850 claims and Vicksburg at 800 accidents and 700 claims. These numbers impact regional insurance rates.
The most common claims in Mississippi are collisions and comprehensive coverage, which together make up 60% of all claims. Collisions alone account for 35%, significantly affecting car insurance premiums.
5 Most Common Auto Insurance Claims in Mississippi
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $3,500 |
| Comprehensive | 25% | $2,800 |
| Property Damage | 15% | $4,000 |
| Theft | 15% | $2,000 |
| Personal Injury Protection | 10% | $5,000 |
Accidents directly influence how accidents change your car insurance rate, leading to higher premiums. Property damage, theft, and personal injury protection claims also contribute to increased costs for drivers in the state.
Car Insurance Discounts in Mississippi
In Mississippi, automobile insurance companies provide a number of discounts to assist in reducing your rates. Popular discounts include discounts for safe driving, multiple vehicles, and bundling, with some companies providing special discounts for military auto insurance.
Auto Insurance Discounts From the Top Providers in Mississippi
| Insurance Company | Available Discounts |
|---|---|
| Early Signing Discount, New Car Discount, Safe Driving Bonus, Multi-Vehicle Discount |
| Defensive Driver Discount, Low Mileage Discount, Bundled Policy Discount, Safe Driving Bonus |
| Good Student Discount, Safe Driver Discount, Multi-Car Discount, Senior Driver Discount |
| Homeowner Discount, Good Student Discount, Safe Driver Discount, Bundling Discount |
| Military Discount, Federal Employee Discount, Multi-Policy Discount, Anti-Lock Brakes Discount |
| Military Discount, Early Shopper Discount, Homeowner Discount, Anti-Theft Device Discount |
| SmartRide Discount, Family & Friends Discount, Accident-Free Discount, Multi-Car Discount |
| Multi-Policy Discount, Snapshot Discount, Teen Driver Discount, Online Quote Discount |
| Good Student Discount, Safe Driver Discount, Multi-Car Discount, Anti-Theft Discount |
| Hybrid/Electric Vehicle Discount, Homeowner Discount, Multi-Policy Discount, Paid-in-Full Discount |
For example, Allstate provides discounts such as Early Signing, New Car, and Safe Driving Bonus, while American Family offers savings for Defensive Drivers and Low Mileage. Providers also offer helpful guidance for Mississippi auto insurance guide.
Discounts can vary by provider. American Family offers up to 25% off for good drivers, while Progressive provides a 20% discount for usage-based insurance. Geico also gives a 25% discount for good drivers.
Auto Insurance Discounts From Top Mississippi Providers
| Insurance Company | Bundling | Good Driver | Safe Driver | UBI | Low Mileage |
|---|---|---|---|---|---|
| 10% | 20% | 15% | 10% | 5% |
| 15% | 25% | 20% | 12% | 10% |
| 12% | 18% | 18% | 8% | 7% |
| 20% | 10% | 12% | 5% | 8% |
| 10% | 25% | 18% | 10% | 6% |
| 18% | 20% | 18% | 15% | 10% |
| 14% | 30% | 20% | 10% | 8% |
| 12% | 18% | 20% | 20% | 10% |
| 16% | 25% | 15% | 10% | 7% |
| 17% | 22% | 16% | 8% | 5% |
Other savings include accident-free bonuses, auto-pay setups, and discounts for hybrid vehicles. Be sure to ask your provider about all available discounts to ensure you’re maximizing savings on your auto insurance.
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Mississippi Core Coverage and Premiums
In Mississippi, the auto insurance cost depends on the coverage type. For example, liability costs $460.50 annually, collision costs $323.22, and comprehensive coverage costs $210.33. Combined coverage costs $994.05.
| Coverage Type | Annual Costs (2015) |
|---|---|
| Liability | $460.50 |
| Collision | $323.22 |
| Comprehensive | $210.33 |
| Combined | $994.05 |
Although adhering to the Mississippi auto insurance requirements may be cost-saving in the short term, other coverage types, such as collision or comprehensive, are also worth purchasing. These can help you financially if you get into an accident.
Mississippi’s auto insurance climate is influenced by traffic density, weather hazards, and uninsured motorists. Heavy traffic congestion gives the state a B+ for traffic density and a B for weather hazards.
Mississippi Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | High traffic congestion areas |
| Weather-Related Risks | B | Hurricanes, storms common here |
| Vehicle Theft Rate | B- | Moderate vehicle theft rate |
| Average Claim Size | C | Higher than national average |
| Uninsured Drivers Rate | D | Many uninsured drivers on road |
With a moderate rate of vehicle theft (B-) and a high percentage of uninsured motorists, Mississippi has its problems. To prevent surprise expenses, adhering to the ultimate road safety manual and choosing sufficient coverage is necessary.
Mississippi Minimum Coverage
In Mississippi, having the state’s minimum auto insurance is required to drive. The 20/40/10 liability limit provides coverage for injuries to one person ($20,000), multiple people ($40,000), and property damage ($10,000).
While Mississippi’s cheap auto insurance options are available, they may not provide adequate protection in the event of a serious accident. The $20,000 limit per individual’s injury can easily exhaust itself with increased medical expenses.
Geico stands out not just for its competitive rates, but for its exceptional bodily injury liability insurance options, which offer added peace of mind for those seeking comprehensive coverage, especially for military personnel or high-risk drivers.
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For greater protection, add bodily injury liability insurance. This provides a higher limit of coverage for injuries, which guards against paying out-of-pocket costs. A Minimum may not always suffice.
How to Find Affordable Insurance in Mississippi
Finding affordable insurance in Mississippi doesn’t have to be complicated. Follow these five steps to find the best Mississippi auto insurance quotes and other coverage options in cities like Biloxi, Gulfport, and more.
5 Steps to Finding Affordable Insurance in Mississippi
- Evaluate Your Coverage Needs: Determine the type of insurance you need—auto, home, or renters insurance—to focus on the best options for your situation.
- Compare Mississippi Auto Insurance Quotes: Compare Mississippi auto insurance quotes in cities like Biloxi, Gulfport, and Jackson to identify the most cost-effective choices.
- Look for Discounts: Ask about discounts like bundling policies or maintaining a clean driving record to reduce your premium costs.
- Understand Deductibles: An explanation of deductibles helps you decide if a higher deductible can lower your premium while still covering potential claims.
- Consider Customer Service: Choose an insurer with great customer service and a smooth claims process. Reviews can help you find the best support.
By comparing quotes, taking deductibles into account, and checking discounts, you can get the most cost-effective insurance in Mississippi for your requirements. Spend time researching and getting the best coverage.
Affordable Auto Insurance in Mississippi
Finding cheap auto insurance in Mississippi is easy with top providers like Geico, State Farm, and Travelers. Geico leads the pack with rates starting at just $26 per month, making it the most affordable choice for budget-conscious drivers. These insurance companies provide a range of auto insurance coverage options to meet different needs, including liability and full coverage.
Whether you’re seeking the average cost of car insurance in Mississippi or looking for savings, these insurers offer both low-cost and trustworthy coverage. Ready to find affordable car insurance? Use our free comparison tool to get started.
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Frequently Asked Questions
How can I save on car insurance in Mississippi?
By combining insurance and keeping a spotless driving record, you can reduce your premiums and use discounts like a safe driver or low-mileage discounts. Look at our factors that affect your car insurance premium for expanded insights.
What is the best car insurance company for high-risk drivers in Mississippi?
For high-risk drivers, cheap Mississippi car insurance companies like Direct Auto offer competitive rates and specialized coverage. Dive into our high-risk drivers for more.
Does Farmers Insurance offer discounts on bundling insurance policies?
Yes, Farmers provides substantial discounts for bundling home and auto insurance policies, helping drivers save on overall premiums. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
Which insurance provider offers the best roadside assistance in Mississippi?
Allstate stands out for its comprehensive roadside assistance services, offering drivers peace of mind with coverage for emergencies on the road.
Are drivers with a clean record a good fit for State Farm?
Yes, State Farm offers low premiums for drivers with a clean driving record and great customer service, making it an attractive option for many.
What coverage options does Progressive offer for Mississippi drivers?
With choices including comprehensive, liability, and collision insurance, Progressive provides individualized coverage to meet the needs of drivers. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.
How do I know if I need additional coverage for my car in Mississippi?
Additional coverage may be beneficial if you drive frequently or have a high-value car. Consider factors like your vehicle’s age and local risks.
Can I get discounts for being a safe driver in Mississippi?
Yes, providers like Geico and Allstate offer discounts for safe driving, such as accident-free records or completing defensive driving courses. Explore our safe driver discount for more insights.
Are there specific benefits for drivers in rural areas of Mississippi?
For rural drivers, car insurance rates in Mississippi can include policies from companies like Travelers, covering risks like wildlife collisions or weather-related damage.
What is the process for filing a claim with Geico or State Farm?
Both Geico and State Farm make it easy to file claims online or through their apps for quick assistance. Dive into our how to file an auto insurance claim to gain a deeper insight.