Cheapest Auto Insurance in Mississippi (2025)

Car insurance in Mississippi averages $144 per month for full coverage and $71 per month for liability coverage, Insurify data shows. This is less than the national monthly averages of $184 and $104, respectively.

The Magnolia State’s relatively low population density of 63 people per square mile likely contributes to its lower average car insurance costs. Here’s what you need to know about finding cheap car insurance in Mississippi.

3 of the cheapest car insurance companies in Mississippi

The right insurer for you depends on your unique budget, coverage preferences, and driving record. Three of the cheapest auto insurers in Mississippi include National General, USAA, and Hugo — each offering the most affordable coverage in different categories.

National General

USAA

Hugo

How to get the cheapest car insurance in Mississippi

Each car insurance company offers its own variations in available coverage, policy specifics, and more. These tips can help you find affordable coverage:1

• Shop around. If you go with the first car insurance company you come across, you might pay more than you have to for a policy. Get quotes from several car insurance companies to zero in on the cheapest rates.

• Look for discounts. Most car insurance companies offer a variety of discounts. Common discounts you might qualify for include good driver, anti-theft device, and loyalty discounts.

• Drive safely. Driving violations, like speeding tickets and DUIs, can increase your car insurance costs significantly. Do your best to drive responsibly and avoid accidents.

• Consider usage-based insurance. If you don’t drive a lot, usage-based or pay-per-mile insurance can save you money. You’ll only pay for the miles you drive. This may make sense for retirees and remote workers.

Cheapest liability-only car insurance quotes in Mississippi: State Farm

To drive legally in Mississippi, you must have the minimum-required liability-only car insurance, which covers the other driver’s property damage and injuries after an at-fault accident.

Liability-only coverage in Mississippi costs an average of $71 per month.

The following table shows monthly liability-only quotes from top insurers in Mississippi.

Cheapest full-coverage car insurance quotes in Mississippi: State Farm

Full-coverage car insurance usually includes liability, collision, and comprehensive insurance. If you have a car loan or lease, your lender or leasing company may require you to invest in a full-coverage policy.

Mississippi drivers pay $144 per month, on average, for a full-coverage policy.

The following table illustrates monthly full-coverage quotes from top car insurance companies for Mississippi drivers.

Car insurance requirements in Mississippi

Mississippi is an at-fault — or tort — state, which means the driver who caused an accident must cover the costs of any damage and injury they caused drivers or passengers in another vehicle.

Drivers in the state must carry bodily injury and property damage liability coverage, though purchasing more coverage provides more robust protection. Failure to show proof of insurance could result in financial and legal consequences.3

Any coverage beyond the minimum liability coverage is optional for Mississippi drivers. But insurance professionals typically recommend full coverage since it offers greater financial protection.

Common optional car insurance coverages include:

Cheapest car insurance in Mississippi by driving record

At-fault accidents, speeding tickets, and DUIs on your record can influence your insurance costs. If you have an incident on your record, car insurance companies typically view you as a riskier driver and, in turn, increase your premiums. Drivers with clean records pay the lowest rates.

For example, Mississippi drivers with a clean record pay an average of $71 per month for a liability policy. But Mississippi drivers with a DUI pay $114 per month.

See how Mississippi liability car insurance rates change based on different driving incidents in the table below.