Cheapest Auto Insurance in Mississippi (2025)
Mississippi drivers will find the cheapest rates from State Farm, with liability policies that start at $43 per month.
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Car insurance in Mississippi averages $141 per month for full coverage and $69 per month for liability coverage, Insurify data shows. This is less than the national monthly averages of $182 and $103, 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.
Quick Facts
Mississippi drivers with a speeding ticket, accident, or DUI on their records could see their monthly liability rates increase to an average of $77.
Mississippi drivers pay an average of $1,689 per year for a full-coverage policy.
State Farm, USAA, and National General offer the cheapest 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 $69 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 $141 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.
Because teen drivers have minimal experience behind the wheel and a greater likelihood of getting in a car accident, auto insurers charge them the highest premiums. Average rates by age group usually decrease around age 25 and increase slightly around age 70. Per miles driven, senior drivers have a higher mortality rate in car accidents than younger drivers.2
In the table below, you can see how much Mississippi drivers pay for car insurance by age group.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $69 per month for a liability policy. But Mississippi drivers with a DUI pay $111 per month.
See how Mississippi liability car insurance rates change based on different driving incidents in the table below.
Where you live in Mississippi can affect the rates you pay for car insurance. A city’s traffic volume, accident rates, and vehicle crime rates all influence car insurance premiums. Check out liability and full-coverage rates for several Mississippi cities below.
Mississippi car insurance FAQs
Finding cheap coverage can feel difficult. The following information should help you determine what you need to know about buying coverage in Mississippi.
The average cost of car insurance in Mississippi is $141 per month for full coverage and $69 for liability-only policies. These rates assume you have a clean driving record. Incidents like speeding tickets, at-fault accidents, and DUIs can significantly increase rates for Mississippi drivers.
State Farm has the cheapest car insurance rates in Mississippi, with liability policies starting at $43 per month. USAA and National General are the second- and third-cheapest insurance companies in the Magnolia State, with liability rates starting at $44 and $59, respectively.
National General is the best car insurance company for teenagers, due to its focus on insuring high-risk drivers and a safe-driving program called DynamicDrive. USAA provides the best option for full-coverage insurance — though it’s only available for military members and their families. Hugo is the top option for short-term coverage; the insurer sells policies for as little as three days at a time.
On average, drivers in Mississippi pay less for insurance than the national average of $182 for full coverage and $103 for liability. Location-based factors — like severe weather patterns, population density, and traffic congestion — all influence rates in the area.
No. Mississippi is an at-fault state. Drivers in an at-fault — or tort — state must cover the costs of damage and injury they cause another driver and their passengers in an at-fault accident.
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