Compare Cheap Auto Insurance in Mississippi

• Full coverage auto insurance in Mississippi costs, on average, $1,870 per year. Minimum coverage costs around $661 annually.
• USAA and State Farm have the cheapest average rates for most drivers in Mississippi, but Shelter has the best customer service ratings.
• Progressive also tends to have below-average rates for high-risk drivers — specifically those with a DUI and low credit.

Jump to:

• Cheapest full coverage auto insurance in Mississippi: USAA ($1,226 annually) and State Farm ($1,363 annually)
• Cheapest minimum coverage: USAA ($395 annually) and State Farm ($401 annually)
• Cheapest with a teen driver: Southern Farm Bureau ($2,899 annually) and USAA ($3,393 annually)
• Cheapest with a speeding ticket: USAA ($1,491 annually) and State Farm ($1,566 annually)
• Cheapest with an at-fault accident: USAA ($1,731 annually) and State Farm ($1,844 annually)
• Cheapest with a DUI: State Farm ($2,168 annually) and Progressive ($2,174 annually)
• Cheapest with low credit: USAA ($1,970 annually) and Progressive ($2,388 annually)

Shelter has the highest customer satisfaction scores in Mississippi, according to our research (excluding USAA, which has eligibility restrictions). Although Shelter tends to have above-average rates in the state, it may be worth paying more if it means a better customer service experience. In addition, these rates are averages, so your quoted rate may be lower. Always get quotes from multiple companies.

1. Shop around: No company provides the cheapest rates for every driver. Many factors go into determining premiums, including your driving record, location, and eligibility for discounts. We recommend getting quotes from at least three companies to make sure you’re getting the best rate.
2. Bundle multiple policies: Bundling policies will allow you to get a discount from most providers. If you need a home insurance policy, for example, get a quote for that in addition to auto insurance to see how much you could save. Even if you already have a home policy, switching to another company might make sense if it offers a better rate than your current company for home and auto combined.
3. Consider signing up for a telematics program: Many insurers have telematics discount programs, which track your driving habits and provide a discount for safe driving. Some companies also give you a discount for driving less. Be sure to check the fine print before signing up, however, as some programs may raise your rates if they detect unsafe driving.
4. Drop unneeded coverages: Depending on your needs, it may make sense to drop coverages that aren’t worth it. For example, if you have an older car with low value, you may not need to be paying for full coverage. Be sure to evaluate your situation before dropping any coverages to avoid any financially unsound decisions.

Jackson has the most expensive auto insurance rates in Mississippi, on average, at $1,912 a year. That’s slightly higher than the state average of $1,870. Other cities, including Gulfport and Southaven, have below-average rates.

Mississippi state law requires that drivers carry at least the following coverages:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Keep in mind that these are the state-mandated minimum coverage limits, but they are not necessarily sufficient. If you can afford to, consider increasing your limits and adding comprehensive and collision coverage.

We analyze average auto insurance premiums in Mississippi for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible