Best Car Insurance in Mississippi (2025)

State Farm, Allstate, and GEICO are three of the best car insurance companies in Mississippi.

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Shopping for car insurance can be challenging, and every driver has different needs and priorities. Your ZIP code, credit history, gender, and driving record can influence the rates you get.

Mississippi drivers pay an average of $105 per month, but you can often find cheaper rates. Insurify analyzed more than 50 insurers to help you find the best car insurance in Mississippi.

Here’s what you need to know about finding coverage in Mississippi.

Best car insurance companies in Mississippi

Mississippi has plenty of good car insurance companies, but some stand out from the rest. Below are the five best car insurance companies for different types of drivers. These rankings are based on numerous factors, such as affordability, discounts, coverages, customer service, AM Best and J.D. Power rankings, and the number of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.

State Farm: Best for affordability

Allstate: Best for customer service

GEICO: Best for discounts

USAA: Best for military families

Hugo: Best for temporary coverage

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Mississippi to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Mississippi

If you want to get the absolute best car insurance available in Mississippi, you should keep a few things in mind.1

Average cost of car insurance in Mississippi

The average cost of car insurance in Mississippi is $105 per month, compared to the national average rate of $143. Mississippi drivers pay an average of $69 per month for liability coverage and $141 for a full-coverage policy.

The average annual cost of full coverage in Mississippi increased by 14% from December 2023 to June 2024. Many vehicle parts have become significantly more expensive in recent years, driving up repair costs and, in turn, insurance premiums.2 This is why it’s so important to compare quotes before deciding on a company.

Best car insurance in Mississippi FAQs

If you still aren’t sure how to find a policy, check out this additional information about the best car insurance in Mississippi.

  • How much is car insurance in Mississippi?

    Mississippians pay an average of $105 per month for car insurance. Monthly liability rates average $69, while full-coverage rates average $141 per month.

  • What are the best car insurance companies in Mississippi?

    State Farm, Allstate, GEICO, USAA, and Hugo are the best car insurance companies in Mississippi. But each company is better in certain areas, so it’s important to compare quotes from each insurer. Consider what’s important to you in a policy when deciding on your coverage.

  • What is the required auto insurance coverage amount in Mississippi?

    The required auto insurance coverage amount in Mississippi is $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance. Drivers can also satisfy these requirements by posting a bond or making a deposit equal to these amounts, but it’s typically better to buy an insurance policy.3

Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

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