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Last updated: February 4, 2026Best Auto Insurance in Mississippi of 2026
State Farm, USAA, and Progressive are among our top picks for Mississippi drivers.
Cheapest
Editor's Rating:
4.9/5
4.9/5Full Coverage Averages in MS
- Annual premium: $1,697
- Monthly premium: $141
Best for Military and Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in MS
- Annual premium: $1,430
- Monthly premium: $119
Best for Coverage Options
Editor's Rating:4.7/5
4.7/5Full Coverage Averages in MS
- Annual premium: $2,174
- Monthly premium: $181
Key Takeaways
- USAA offers the cheapest rates for both full and minimum coverage auto insurance in Mississippi. For those that don’t qualify for USAA, State Farm is the next cheapest.
- In Mississippi, the average cost for full coverage auto insurance is $191 per month and $63 per month for minimum coverage.
- Our pricing data is based on average rates, so your actual quote may differ. Keep in mind that your premium depends on several personal factors, including your driving history, location, vehicle, and overall driver profile. The quotes provided here can serve as a helpful starting point for comparison.
Summary of the Best Auto Insurance in Mississippi
- Cheapest: State Farm
- Best for Military and Veterans: USAA
- Best for Coverage Options: Progressive
- Best for Low Credit: GEICO
- Best Regional Provider: Alfa
Compare the Best Cheap Auto Insurance in Mississippi
| Company | Full Coverage Monthly Avg. in MS | Minimum Coverage Monthly Avg. in MS | Southeast customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $141 | $35 | Above average |
| USAA | $119 | $33 | Above average |
| Progressive | $181 | $44 | Below average |
| GEICO | $193 | $49 | Above average |
| Alfa | Data not available | Data not available | Above average |
| Mississippi | $191 | $63 | – |
Breaking Down the Best Cheap Auto Insurance in Mississippi
1. Cheapest - State Farm
What We Like Most:
- Cheap rates in Mississippi
- Strong customer and claims satisfaction ratings
- Personalized support from local agents
Why we chose it
State Farm offers some of the cheapest rates for auto insurance in Mississippi for both full and minimum coverage. While USAA is slightly cheaper, eligibility is limited to military members and their families, making State Farm the more widely accessible option for Mississippi drivers.
State Farm ranks above average in both J.D. Power’s Auto Insurance Study for Claims Satisfaction nationwide and its Customer Satisfaction Study in the Southeast region. The company’s large network of local agents makes it easy for Mississippi drivers to receive personalized guidance, whether it’s choosing the right coverage option or uncovering discounts.
Safe drivers can unlock additional savings through State Farm’s usage-based program, Drive Safe and Save. Drivers under the age of 25 can benefit from Steer Clear, another app-based discount program, specifically designed for young drivers.
Who it’s best for
State Farm is a great fit for Mississippi drivers who want affordable coverage without sacrificing customer service. If you prefer working with a local agent who knows your area and can walk you through your options, consider getting a quote from State Farm.
State Farm also offers some of the most competitive rates in Mississippi for drivers with a speeding ticket, at-fault accident, or DUI on their record.
STATS:
Drinking and driving is a leading cause of traffic deaths. Among all drivers involved in fatal crashes in Mississippi, 15 percent had a BAC of 0.08 or higher.1
State Farm Mississippi Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $141 | $35 |
| Annually | $1,697 | $417 |
| Difference from Mississippi average | -26% | -44% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Military-specific coverage
- Cheap Mississippi rates
- Exceptional customer service
Why we chose it
USAA is exclusively available to military members, veterans, and their family members. For those who qualify, USAA offers the cheapest auto insurance rates in Mississippi, paired with exceptional customer service.
While USAA is technically ineligible for ranking on J.D. Power’s Auto Insurance Studies due to its membership requirements, it consistently earns top scores for claims and customer satisfaction, both nationally and in the Southeast region.
USAA stands out for its military-focused benefits, which include discounts for deployment and garaging your car on a military base. In addition, USAA offers accident forgiveness. If you remain accident-free for five years, your first at-fault accident will not increase your premium.
Who it’s best for
USAA is best for eligible members, which includes children, grandchildren, and spouses of military members and veterans. It’s a strong option for Mississippi drivers who value coverage designed around the realities of military life, 24/7 roadside assistance, and the opportunity to bundle auto and property insurance for additional savings.
USAA Mississippi Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $119 | $33 |
| Annually | $1,430 | $395 |
| Difference from Mississippi average | -38% | -48% |
3. Best for Coverage Options - Progressive
What We Like Most:
- Wide variety of coverage add-ons
- Rideshare coverage
- Disappearing deductible
Why we chose it
Though Progressive scores below average in third-party metrics for claims and customer satisfaction, it stands out for its wide range of coverage add-ons and unique perks. Its Deductible Savings Bank program lowers your comprehensive or collision deductible by $40 for every six-month period you remain claim and violation-free. Unlike other insurers who may cap this benefit, Progressive allows your deductible to drop all the way to $0 over time. Progressive also offers accident forgiveness as a loyalty perk to their customers who remain accident and violation-free for five consecutive years.
Who it’s best for
Progressive is a strong choice for Mississippi drivers who want to customize their policies with add-ons, like gap insurance, pet injury coverage, and rideshare insurance. Just note that Progressive’s gap coverage pays up to 25 percent of your vehicle’s actual cash value (ACV), so if your remaining balance exceeds that amount, you may still be paying out of pocket.
It’s also a good option if you’re seeking minimum coverage only, as its rates are well below the state average.
Progressive Mississippi Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $181 | $44 |
| Annually | $2,174 | $533 |
| Difference from Mississippi average | -5% | -30% |
4. Best for Low Credit - GEICO
What We Like Most:
- Easy online account management
- Cheap Mississippi rates for low credit
- Extensive discounts
Why we chose it
GEICO stands out for its competitive pricing for drivers with low credit — at $233 monthly (26 percent below the statewide average), it has the cheapest rates in Mississippi for this category after USAA. It also has competitive rates for minimum coverage policies.
The company receives mixed reviews for customer and claims satisfaction, which may have to do with its limited network of local agents. GEICO leans heavily on its digital experience and boasts a user-friendly website and mobile app for managing policies, making payments, and filing claims online.
GEICO also offers a wide range of discounts, including discounts for military members, federal employees, safe drivers, and good students.
Who it’s best for
GEICO is a great fit for Mississippi drivers who are comfortable managing their insurance policies online, rather than working with an agent. It also has some of the lowest rates on average for Mississippi drivers with low credit.
GEICO Mississippi Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $49 |
| Annually | $2,318 | $586 |
| Difference from Mississippi average | +1% | -22% |
5. Best Regional Provider - Alfa
What We Like Most:
- Strong customer satisfaction in the Southeast
- Well-rated by auto body repair professionals
- Discounts for teachers, first responders, and farmers
Why we chose it
Alfa is a well-rounded choice for Mississippi drivers. The company scored above average in J.D. Power’s Auto Insurance Study for overall customer satisfaction in the Southeast and ranked top ten nationally on CRASH Network’s Report Card, earning an A- grade for its claims practices from the perspective of auto body professionals.
Alfa offers perks like first at-fault-accident waivers and bundling discounts. It boasts a strong, local presence in Mississippi, with a large network of agents who offer personalized service and a hometown feel. While pricing data is unavailable, Alfa is known for offering competitive rates in the region.
Who it’s best for
Alfa is especially worth considering if you’re a teacher, first responder, or farmer, since Alfa offers discounts for these groups in Mississippi.
Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southeast2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 677 | C- | 716 | 3.77 |
| USAA | 749 | D+ | 741 | 3.1 |
| Progressive | 645 | C | 673 | 2.79 |
| GEICO | 670 | C- | 697 | 1.77 |
| Alfa | 685 | A- | Not rated | 2.24 |
| Average | 667 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Mississippi
Full Coverage Rates in Mississippi
On average, Mississippi residents pay around 3 percent less for auto insurance rates than the national average. Full coverage auto insurance in Mississippi costs $2,297 annually on average, or $191 a month.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Mississippi Average | $2,297 | $191 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in Mississippi
In Mississippi, the average cost of minimum coverage auto insurance is almost 5 higher than the national average, at $755 annually, or $63 per month.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Mississippi Average | $755 | $63 |
| National Average | $722 | $60 |
Auto Insurance Costs by City in Mississippi
Auto insurance rates in Mississippi vary depending on where you live. Insurers price risk differently, based on factors like traffic density, weather risks, and the number of accidents and claims reported in any particular area. Among Mississippi’s cities, Hattiesburg and Southaven residents enjoy some of the lowest rates on average for full coverage. Jackson’s rates are on the higher end at $2,383 per year on average.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Jackson | $2,383 | $199 |
| Gulfport | $2,248 | $187 |
| Biloxi | $2,213 | $184 |
| Southaven | $2,168 | $181 |
| Hattiesburg | $2,097 | $175 |
How many Car Accidents Happen in Mississippi?
Mississippi had the highest traffic fatality rates in the U.S. in 2024. There were 732 deaths due to motor vehicle crashes in Mississippi in 2023, followed by 723 deaths in 2024. Work zones are an area of concern. Between 2019 -2023, crashes in highway zone work resulted in 21 fatalities statewide.6
Several factors contribute to Mississippi’s high crash rate. The most common include distracted driving, high traffic volumes on rural roads, longer emergency response times, and long-distance travel. Speeding plays a role in roughly 18 percent of these crashes, while distracted driving accounts for about 2 percent.7
Certain intersections are particularly high-risk for crashes, including:
- US-98 / Hardy Street in Hattiesburg
- MS-25 / Lakeland Drive in Jackson
- US-90 / Bienville Blvd. in Biloxi8
Minimum Auto Insurance Requirements in Mississippi
Mississippi requires drivers to carry the following minimum auto insurance limits:
- $25,000 for bodily injury per person (limited to a single accident)
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident9
State-mandated minimum requirements are often not enough to protect you financially, especially if you are at fault in a serious accident. Your policy will only pay up to these limits, meaning you could be personally responsible for any medical bills, repairs, or legal costs that exceed them. For better protection and peace of mind, opt for full coverage, which includes comprehensive and collision coverage.
FYI:
Mississippi is an at-fault state which means the driver who causes the accident is financially responsible for the damages. The state follows a modified comparative fault rule, which allows you to recover damages if you’re 50 percent or less at fault. Your payout will be reduced by your share of responsibility.
Frequently Asked Questions
USAA ($119 monthly) and State Farm ($141 monthly) offer the cheapest full coverage auto insurance in Mississippi. They also offer the cheapest rates for minimum coverage with USAA at $33 monthly and State Farm at $35 monthly.
They’re close, but Progressive is a little bit cheaper for both full coverage and minimum coverage in Mississippi. On average, Progressive costs $181 monthly for full coverage and $44 monthly for minimum. GEICO’s prices are $193 monthly on average for full coverage and $49 a month for minimum.
If you have a clean driving record, you already have a lot working in your favor. Most insurers reward safe drivers with discounts or offer programs you can enroll in to save even more. For example, Progressive offers unique perks, like their Deductible Savings Bank, which can lower your deductible for every 6-month period you remain claim and violation-free. State Farm’s telematics, usage-based program Drive Safe and Save can help drivers save up to 30 perfect for safe driving habits (though some reviews note it can be difficult to reach the maximum amount). GEICO offers up to 10 percent off for completing a defensive driver course. There’s plenty of savvy ways for safe drivers to save, so it’s always worth asking your agent to walk through every option available to you.
USAA ($137 monthly) and State Farm ($142 monthly) offer the cheapest rates on average for Mississippi drivers with a speeding ticket on their record. They also offer the cheapest rates on average for drivers with an at-fault-accident on their record with USAA at $156 per month and State Farm at $163 per month. For Mississippi drivers with a DUI, State Farm has the cheapest rates at $182 monthly on average.
Yes, many Mississippi insurers offer discounts for young drivers. GEICO’s good student discount offers up to 15 percent off on car insurance for full-time high school or college students who maintain a 3.0 GPA or better. State Farm offers up to 25 percent off for students under the age of 25 with a 3.0 average or better. While teens are among the most expensive to insure due to lack of experience, Southern Farm Bureau, USAA, and Travelers offer some of the lowest average rates for teens in Mississippi, making them worth including in your quote comparison.
Methodology - How We Review Providers
We evaluated auto insurance providers in Mississippi and based our reviews on the following criteria:
- Pricing (40%): We analyzed the costs of both full and minimum coverage premiums in Mississippi for drivers with clean records and those with prior incidents like DUIs. We also considered available discounts. Minimum coverage averages meet Mississippi’s state-mandated limits, while full coverage averages use the following limits:
-
- $100,000 for bodily injury per person (limited to a single accident)
- $300,000 for bodily injury per accident
- $100,000 for property damage per accident
- Same limits for uninsured motorist coverage
- Collision and comprehensive with $500 deductible
- Claims handling (25%): Efficient claims handling is critical for any auto insurance provider. We reviewed third-party data from independent sources like the J.D. Power Claims Satisfaction Study, AM Best, and other reports to evaluate claims handling.
- Customer experience (25%): We assessed customer experience from various perspectives, including the ease of getting a quote, digital tools, policy management options, and availability of local agents. Our evaluation incorporated third-party data from sources like J.D. Power, alongside app ratings and data on the provider’s customer service for Mississippi drivers.
- Coverage options (10%): We reviewed each company’s coverage offerings, preferring providers with options beyond Mississippi’s minimum requirements. Additional coverage options considered include mechanical breakdown insurance, rideshare coverage and other benefits.
Learn more about our ratings and methodology sources.
Sources
Traffic Safety Facts Annual Report Tables. NHTSA. (2026).
https://cdan.dot.gov/tsftables/tsfar.htm#It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmNews Release: Mississippi Traffic Fatality Rate Highest in Nation in 2024…. TRIP. (2025, July 23).
https://tripnet.org/reports/addressing-americas-traffic-safety-crisis-mississippi-news-release-07-23-2025/Why Mississippi Has More Car Crashes Than Other States. Government Technology. (2025, Dec 02).
https://www.govtech.com/em/safety/why-mississippi-has-more-car-crashes-than-other-statesStatistical Analysis of Vehicle Crashes in Mississippi Based on Crash Data from 2010 to 2014. rosa P. (2017, Aug 15).
https://rosap.ntl.bts.gov/view/dot/32816Auto Insurance. Mississippi Insurance Department. (2026).
https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/
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