Car Insurance in Mississippi
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Mississippi Car Insurance Quotes
Mississippi residents pay less on average for car insurance than other areas, likely due to the state's fairly low population density. However, Mississippi is no stranger to hazardous driving conditions, as hurricanes and thunderstorms can bring strong winds and rain. On average, Mississippi drivers pay $128 monthly for car insurance, compared to the national average monthly rate of $189.
Follow along to learn how to minimize your Mississippi car insurance rates with an affordable policy.
If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free.
Mississippi Car Insurance Laws
Car insurance is required to drive in Mississippi. The state require's drivers to have liability insurance coverage with the most common minimum coverage amount seen in the US.
Mississippi’s car insurance minimums are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
Cheapest Insurance in Mississippi
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Mississippi.
Factors such as the driver's age, driving record, consumer profile, available discounts, and extent of coverage can also impact rates, which we considered in our analysis.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Nationwide | $88 |
| 2 | State Farm | $98 |
| 3 | Direct General | $98 |
| 4 | USAA | $101 |
| 5 | Geico | $134 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
“ Mississippi has no grace period for obtaining car insurance. ”
Mississippi enforces strict penalties for driving without insurance. If caught, you could face a fine of up to $1,000, suspension of driving privileges for up to a year, and the possibility of being convicted of a misdemeanor. These penalties highlight the importance of maintaining the required insurance coverage.
Mississippi has no grace period for obtaining car insurance, so it's important to contact an insurance provider before driving a new vehicle in the state.
Additional Coverage in Mississippi
Given the state's high rate of uninsured motorists, many experts recommend purchasing additional coverage beyond the minimum requirements to protect against potential accidents involving uninsured or underinsured drivers.
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🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.