![No image available](/_next/image/?url=%2Ffallback-no-image-min.jpg&w=1920&q=75)
Find Your Perfect Policy: 866-843-5386
The Mississippi River is long but your journey to find the right auto insurance provider doesn’t have to be.
Full Coverage Averages
• Annual Premium: $1,245
• Monthly Premium: $104
Pros + Cons
✓ Local agents
✓ Accident-free discount
X No online quotes
Read our State Farm review.
Full Coverage Averages
• Annual Premium: $1,420
• Monthly Premium: $118
Pros + Cons
✓ Cheap rates for drivers after a DUI or speeding ticket
✓ Accident forgiveness
X High cost for teen drivers
Read our Progressive review.
Full Coverage Averages
• Annual Premium: $995
• Monthly Premium: $83
Pros + Cons
✓ Low rates for many driver types
✓ High J.D. Power customer satisfaction score in Southeast region
X Only available to military
Read our USAA review.
Looking for auto insurance in Mississippi? The Magnolia state has more than 160,000 miles of roadways that can lead you anywhere from Jackson to New Orleans to Memphis. Mississippi requires drivers to carry auto insurance, including property damage and liability for bodily injury. Like the United States, Mississippi is a melting pot of people from diverse backgrounds, socioeconomic circumstances, and ages. These differences and many other demographic factors influence which auto insurance provider offers the best blend of coverages and discounts.
We’ve selected the top five best auto insurance providers for folks in Mississippi to give you a head start if you need an auto insurance policy or want to shop around for a better rate before your next renewal period. State Farm offers some of the best affordable car insurance, Progressive is best for high-risk drivers, and USAA is our pick for military members and their families.
Cheapest Auto Insurance in Mississippi: State Farm
Best Auto Insurance for High-Risk Drivers in Mississippi: Progressive
Best Auto Insurance for Military Members in Mississippi: USAA
Best Auto Insurance for Teens and New Drivers in Mississippi: Farm Bureau Financial Services
Best for Bundling Auto and Home Insurance in Mississippi: Allstate
Company | Average Cost of Full Coverage in MS | Average Cost of Minimum Coverage in MS | Average Cost of Full Coverage After an Accident in MS | Average Cost of Full Coverage After a DUI in MS | Average Cost of Full Coverage After a Speeding Ticket in MS | Average Cost of Full Coverage With Poor Credit in MS | Average Cost of Full Coverage For Teen Drivers in MS | NAIC Complaint Index ratio1 | J.D. Power Regional score for Southeast2 |
---|---|---|---|---|---|---|---|---|---|
State Farm | $1,245 | $637 | $1,404 | $1,680 | $1,263 | $5,953 | $3,306 | 1.09 (150 complaints) – Slightly higher than average | 673 |
Progressive | $1,420 | $639 | $1,979 | $1,671 | $1,647 | $2,208 | $6,940 | 0.89 (102 complaints) – Lower than average | 637 |
USAA | $995 | $473 | $1,401 | $1,826 | $1,236 | $1,829 | $2,525 | 1.35 (433 complaints) – Higher than average | 759* |
Southern Farm Bureau | $1,400 | $714 | $1,747 | $2,235 | $1,459 | $2,327 | $2,842 | 0.29 (3 complaints) – Well below average | N/A |
Allstate | $1,994 | $1,354 | $2,903 | $2,805 | $2,287 | $3,314 | $7,933 | 0.71 (467 complaints) – Below average | 634 |
* does not qualify to rank due to limited availability
Check out our overview of the average cost of car insurance in Mississippi to get an idea of how your demographic factors may affect your auto insurance.
State Farm is one of the four largest insurers in the country alongside Geico, Progressive, and Allstate. Dowling & Partners Securities found the company spent over $1 billion in advertising in 2022, so it’s likely you’ve seen a State Farm ad or two.3 Our research found State Farm offers affordable rates across several categories, including drivers with an accident on their record. While State Farm is a large company, its local agents know their neighborhoods.
State Farm’s safe driving program, Drive Safe & Save, could get you up to a 30 percent discount for good driving habits. You can also bundle homeowners, renters, condo, or life insurance with your vehicle insurance (provided your other policies are with State Farm) for more savings.
State Farm offers an accident-free discount if you’ve been with the company for at least three years without a chargeable accident. The discount can increase over time if you continue to keep a clean record. You should also ask your agent about approved defensive driving training courses in your city as you can get an additional discount for completion.
The cost of auto insurance after an accident tends to increase. However, among our top picks, State Farm’s cost increased the least, by only 13 percent. Its rates for full coverage after an at-fault accident are on par with USAA’s (which is only available to the military).
Company | Average Full Coverage Cost Before Accident | Average Full Coverage Cost After Accident | Percentage Increase |
---|---|---|---|
State Farm | $1,245 | $1,404 | 13% |
Progressive | $1,420 | $1,979 | 39% |
USAA | $995 | $1,401 | 41% |
Southern Farm Bureau | $1,400 | $1,747 | 25% |
Allstate | $1,994 | $2,903 | 46% |
HEADS UP:
Mississippi is an at-fault state with pure comparative negligence laws. Regardless of fault, you can recover some money if you’ve suffered injuries.
Additionally, State Farm earned 891 out of 1,000 in J.D. Power’s 2023 Auto Claims Satisfaction Study, 13 points above average.4 This reflects well on the company’s claims process when getting your car repaired after an accident—the study analyzed driver feedback on settlement, first notice of loss, claim servicing, estimation process, repair process, and rental experience.
Along with USAA, State Farm has the cheapest rates for drivers with speeding tickets, with a negligible increase in rates after a ticket. Keep in mind, these are averages, and your exact quoted premium will differ based on unique factors like your age, zip code, vehicle, credit score, and other aspects of your driving history.
Company | Average Cost Full Coverage Before Speeding Ticket | Average Cost Full Coverage After Speeding Ticket | Percentage Increase |
---|---|---|---|
State Farm | $1,245 | $1,263 | 1.4% |
Progressive | $1,420 | $1,647 | 16% |
USAA | $995 | $1,236 | 24% |
Southern Farm Bureau | $1,400 | $1,459 | 4.2% |
Allstate | $1,994 | $2,287 | 15% |
In general, we did not find that speeding tickets affected auto insurance premiums in Mississippi very much. This could be due to a few factors:
Similar to State Farm, we’re confident many readers have heard of Progressive due to its massive advertising campaigns. Most experienced consumers know not to base a buying decision on advertising alone, so we’re here to help you determine whether Progressive is the right provider for you. Progressive’s rates are most competitive for drivers with low credit or a DUI.
As is the case in most states, auto insurance providers in Mississippi can use credit scores to assess your auto insurance premium. Insurance companies view people with low credit scores as “high risk,” because statistically they are more likely to file claims than those with high credit scores.
While drivers with poor credit in Mississippi pay about 70 percent more on average than drivers with good credit for a full coverage auto insurance policy, Progressive’s rates increase by only 39 percent. After USAA, whose availability is limited, Progressive has the cheapest rates for drivers with low credit in the state.
Company | Average Cost Full Coverage With Good Credit | Average Cost Full Coverage With Poor Credit | Percentage Increase |
---|---|---|---|
State Farm | $1,245 | $5,953 | 478% |
Progressive | $1,420 | $2,208 | 55% |
USAA | $995 | $1,829 | 84% |
Southern Farm Bureau | $1,400 | $2,327 | 66% |
Allstate | $1,994 | $3,314 | 66% |
Progressive has the cheapest rates for drivers with DUIs in Mississippi, along with State Farm. On average, you’ll pay $1,671 annually ($139 monthly) for full coverage after a DUI in Mississippi with Progressive. Our research finds that Progressive’s rates increase by an average of 18 percent after a DUI conviction (lower than the statewide average 86 percent increase). Remember, this is an average, so your specific circumstances will affect the premium Progressive provides.
Company | Average Cost Full Coverage Before DUI | Average Cost Full Coverage After DUI | Percentage Increase |
---|---|---|---|
State Farm | $1,245 | $1,680 | 35% |
Progressive | $1,420 | $1,671 | 18% |
USAA | $995 | $1,826 | 84% |
Southern Farm Bureau | $1,400 | $2,235 | 60% |
Allstate | $1,994 | $2,805 | 41% |
Statewide average | $1,606 | $2,989 | 86% |
In Mississippi, a DUI will stay on your driving record for 5 years. The law stipulates the following penalties after your first conviction for driving under the influence:
Our 2024 State of Driving in the U.S. Survey data found that 1 percent of people surveyed in Mississippi have had a DUI in the past 5 years.
STATS:
Statistics surrounding driving under the influence of alcohol are stark: 42 percent of fatal crashes in 2020 included a participant with a blood alcohol level of 0.08 or higher and one-third of speeding drivers who died in traffic accidents in 2020 were drunk.
For those who prefer to conduct business digitally rather than in-person or over the phone, Progressive makes it easy to get an online quote. The company scored top marks in the service sector of J.D. Power’s 2024 Insurance Digital Experience Study with 737 out of 1,000.6 This study assesses the digital consumer experiences of auto insurance buyers, accounting for the functional aspects of desktop, mobile web, and mobile apps based on navigation, speed, visual appeal, and content. While Progressive does work with independent agents, this study shows customer satisfaction is higher when customers use digital-only contact methods as the first line of interaction.
If you’re shopping for a new policy after a moving violation, we’ve got more good news from Progressive. The company scored an above-average 678 in J.D. Power’s 2024 U.S. Insurance Shopping Study.7 With nearly half of U.S. customers shopping for a new plan amidst rising premiums, Progressive (and State Farm, with a score of 695) offering affordable rates likely contributes to customer satisfaction in the shopping process.
FYI:
22.2 percent of drivers in Mississippi do not have insurance—the third highest rate of uninsured drivers in the U.S. We recommend you get uninsured/underinsured motorist coverage even though the state doesn’t require it.8 Additionally, while Mississippi does not have a government-sponsored low income insurance program, it’s worth buying a minimum liability policy. For example, the average minimum coverage policy from Progressive costs $54 monthly.
USAA has low rates and high customer satisfaction ratings, but it’s only available for a select few. Military members, veterans, and their immediate families (spouses and children) can sign up for USAA auto insurance in Mississippi. USAA has low average auto insurance premiums for full coverage and minimum coverage policies as well as teens, drivers with poor credit, and drivers with an accident on their record in Mississippi.
Among our top auto insurance providers in Mississippi, USAA has the lowest average premiums in nearly every category:
The only profile for which USAA’s rates aren’t the cheapest is drivers with DUIs, who may find better rates with Progressive. For drivers with speeding tickets and at-fault accidents, State Farm’s rates are comparable to USAA’s.
J.D. Power’s 2024 U.S. Auto Insurance Study ranks customer satisfaction across auto insurers in the United States. J.D. Power notes that more frequent rate increases contribute immensely to customer satisfaction. Because of its unique membership requirements, USAA is technically not eligible to rank; however, its ratings are still reported across all regions in the country. In the Southeast region, USAA scored 759 out of 1,000—a whopping 66 points above the top provider on the list.
If you qualify for USAA, we recommend getting a quote. However, only military service members are eligible for USAA membership. This includes the following groups:
In Mississippi, there are:
According to the United States census, there are 2.96 million residents of Mississippi.12 Roughly 7 percent of Mississippi residents are eligible for a USAA policy. Note that this number does not include families of veterans, so it’s important to check your family tree!
Don’t let the name confuse you—Southern Farm Bureau is not just for farmers (and it’s not Farmers Insurance, either). Farm Bureau Insurance provides local, personalized service and affordable rates for most categories of drivers in our analysis. It offers good rates for teen drivers, one of the most notoriously expensive groups to insure. We’re confident in its claims servicing in Mississippi, which is important given that teen drivers have an elevated risk of accidents. The company earned an A rating from A.M. Best for financial strength, and it’s the second-largest insurer of homes and automobiles in Mississippi.
In Mississippi, teens can get a learner’s permit when they turn 15 for $7 and must drive under adult supervision for at least one year before they apply for an intermediate license.13
Due to a lack of driving experience, teen drivers tend to have higher rates of distracted driving which can lead to accidents. It’s no surprise that it costs more to insure a teen driver in Mississippi. On average, insuring a teen driver in Mississippi will cost $3,796—118 percent more than it costs to insure an adult driver. Southern Farm Bureau offers the most affordable average rate other than USAA at $2,842. Unless you’re eligible for USAA, Southern Farm Bureau is your best bet to keep the insurance premium for a teen driver or driver without a record low.
Company | Average Full Coverage Cost For Adults | Average Full Coverage Cost with a Teen Driver | Percentage Increase |
---|---|---|---|
State Farm | $1,245 | $3,306 | 266% |
Progressive | $1,420 | $6,940 | 489% |
USAA | $995 | $2,525 | 254% |
Southern Farm Bureau | $1,400 | $2,842 | 203% |
Allstate | $1,994 | $7,933 | 398% |
Southern Farm Bureau is the only provider on this list to receive a score above a C on CRASH Network’s 2024 Insurer Report Card. The report surveys body shops to determine how well a company handles claims and customer service. In general, insurers getting the highest grades are small, regional companies. Southern Farm Bureau missed out on the “Honor Roll” of the top 25 auto insurance companies countrywide, but it earned a B- and ranked 32nd on the list. CRASH Network named it one of the best providers in the South. To compare: Progressive earned a C, State Farm earned a C-, and Allstate and USAA earned a D+.14
Even teens (provided they are 16 years or older) can benefit from Southern Farm Bureau’s DriveDown deductible reward program. To participate, your teen driver must download Routely, a mobile app that powers the safe driving program. The app scores driving habits and offers deductible savings every 30 days for safe driving. This encourages teens to learn good driving habits and reduces the risk of teens and new drivers taking to the roads—a win-win. Drivers under 18 must review the app’s terms and conditions with a parent or legal guardian to participate.
While Allstate’s rates are on the higher end of our top picks in Mississippi, it offers an impressive bundling discount that can help homeowners save. It’s easy to get a quote online with Allstate, and its Drivewise program may further increase savings.
Mississippi has a high rate of homeownership, with 70 percent of housing units owned by the occupant (this is higher than the national rate of 65 percent).15
If you’re looking to bundle your home and auto policies with the same provider, Allstate offers an impressive discount of up to 25 percent. You can save an additional 20 percent if you switch to Allstate and haven’t had a home insurance claim in the past year.
While Allstate’s baseline rates aren’t the lowest, it offers big savings for safe drivers. You can earn up to a 40 percent discount with its Drivewise discount program. The discount reduces your premium based on good driving habits like keeping speeds under 80 mph, limiting sudden braking, and reducing night driving after 11 pm. You’ll save 10 percent for signing up and the full potential savings of 40 percent is one of the highest offered for a telematics discount program.
Take note that Drivewise is separate from Allstate’s pay-per-mile program Milewise, which unfortunately is not available in Mississippi.
In addition to its multi-policy and Drivewise discounts, Allstate offers a number of discounts that can help lower your premiums:
We assessed providers in Mississippi on four categories—pricing, claims handling, customer experience, and coverage options:
USAA and State Farm have the best auto insurance rates in Mississippi for safe drivers. The average cost of a full coverage policy in Mississippi is $995 annually ($83 monthly) with USAA and $1,245 ($104 monthly) with State Farm. Keep in mind that USAA eligibility is limited to military service members, veterans, and their immediate families. For drivers with high-risk designations, like a DUI conviction or low credit, Progressive has some of the best auto insurance rates in Mississippi.
An average full-coverage car insurance policy in Mississippi costs $134 per month. Liability-only auto insurance costs an average of $70 per month.
If you fail to provide proof of insurance you will pay a $1,000 fine and your driving privileges may be suspended for one year or until you show proof of insurance.
An SR-22 is a certificate of financial responsibility to verify you have liability insurance. In Mississippi, you need an SR-22 after a license suspension or conviction for a felony traffic violation like a hit-and-run or DUI. Mississippi law requires you to maintain an SR-22 for three years after you regain driving privileges.
Consumer Insurance Search Results. National Association of Insurance Commissioners. (2024).
https://content.naic.org/cis_refined_results.htm
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study
Advertising, Rather the Lack of It, Saves Big Insurers From Disaster. Auto Insurance Report. (2023, May 15).
https://df9fd9b6ab64495ad759-f14ba961ae89374e6d5a8ee602c09059.ssl.cf5.rackcdn.com/1743.pdf
Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds. J.D. Power. (2023, Oct 26).
https://www.jdpower.com/business/press-releases/2023-us-auto-claims-satisfaction-study
Alcohol Impaired Driving. Governors Highway Safety Association. (2024).
https://www.ghsa.org/state-laws/issues/Alcohol%20Impaired%20Driving?state=Mississippi
Auto Insurer Websites and Apps Become Primary Driver of New Customers, Putting Pressure on Digital Experience, J.D. Power Finds. J.D. Power. (2024, May 21).
https://www.jdpower.com/business/press-releases/2024-us-insurance-digital-experience-study
Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds. J.D. Power. (2024, Apr 30).
https://www.jdpower.com/business/press-releases/2024-us-insurance-shopping-study
14 Percent of U.S. Drivers Were Uninsured in 2022, IRC Estimates. Insurance Research. (2023, Oct 31).
https://insurance-research.org/sites/default/files/downloads/Uninsured%20Motorists%20News%20Release%201031_0.pdf
Mississippi Installations. Military Installations. (2024).
https://installations.militaryonesource.mil/state/MS/state-installations
Mississippi. Military State Policy Source. (2024).
https://statepolicy.militaryonesource.mil/state/MS
Veterans in Mississippi. USA Facts. (2024).
https://usafacts.org/topics/veterans/state/mississippi/
MISSISSIPPI: 2020 Census. United States Census. (2020).
https://www.census.gov/library/stories/state-by-state/mississippi-population-change-between-census-decade.html
REGULAR LEARNER’S PERMIT. Mississippi Department of Public Safety. (2024).
https://www.driverservicebureau.dps.ms.gov/Drivers/Learners_Permit
Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).
https://www.crashnetwork.com/irc/
Homeownership in Mississippi. America’s Health Rankings. (2024).
https://www.americashealthrankings.org/explore/measures/homeownership/MS