Low-cost car insurance in Mississippi

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Drivers in Mississippi can find the cheapest average premium with Travelers, at $1,885 per year. By comparison, the statewide average monthly cost is $205. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Mississippi requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Mississippi, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Mississippi, at $1,885 per year, which is about $570 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,643.
The ZIP code 38828 has the low-cost car insurance rates in Mississippi, at an average annual rate of $2,035.

Low-cost car insurance companies in Mississippi

Among all insurers in Mississippi, Travelers comes in lowest at $1,885 per year – $570 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Mississippi.

Company	Average annual rates
Travelers	$1,885
Shelter Insurance	$2,346
Nationwide	$2,559
GEICO	$2,637
Progressive	$2,687
Southern Farm Bureau	$2,743
Allstate	$2,992
Safeway Insurance	$3,518
USAA*	$1,405

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Mississippi

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Mississippi

In Mississippi, drivers living in the 38828 ZIP code enjoy the lowest average annual premium at $2,035. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
38828	Blue Springs	$2,035
38801	Tupelo	$2,042
38804	Tupelo	$2,051
38849	Guntown	$2,054
38826	Tupelo	$2,056
38866	Saltillo	$2,059
38879	Verona	$2,063
38652	New Albany	$2,064
38869	Sherman	$2,073
38856	Marietta	$2,074

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Mississippi by city

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Low-cost car insurance in Mississippi by age

Teen drivers in Mississippi pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $7,664 more than a 40-year-old driver in Mississippi.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$8,212
Young Adults (20-24)	$3,968
Adults (25-60)	$2,443
Seniors (65-75)	$2,365

Low-cost car insurance in Mississippi by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Mississippi

Just one speeding ticket in Mississippi can raise your rates by 32% – $779 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,885	$2,737	45%	$852
Shelter Insurance	$2,346	$2,858	22%	$511
Allstate	$2,992	$3,297	10%	$306
GEICO	$2,637	$3,422	30%	$785
Progressive	$2,687	$3,709	38%	$1,022
Nationwide	$2,559	$3,911	53%	$1,352
USAA*	$1,405	$1,824	30%	$419

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Mississippi

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $2,643 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,885	$2,643	40%	$758
Nationwide	$2,559	$4,014	57%	$1,455
Allstate	$2,992	$4,366	46%	$1,374
Progressive	$2,687	$4,429	65%	$1,742
GEICO	$2,637	$4,440	68%	$1,803
Shelter Insurance	$2,346	$4,763	103%	$2,416
USAA*	$1,405	$2,138	52%	$732

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Mississippi

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Mississippi are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,885	$2,854	$968	51%
Progressive	$2,687	$3,381	$694	26%
Allstate	$2,992	$4,071	$1,079	36%
Nationwide	$2,559	$5,221	$2,662	104%
Shelter Insurance	$2,346	$5,368	$3,021	129%
GEICO	$2,637	$8,214	$5,577	211%
USAA*	$1,405	$2,731	$1,326	94%

*USAA is only available to military community members and their families.

Average cost of car insurance Mississippi

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Mississippi, the average cost of full coverage is $58 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Mississippi, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Mississippi.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Mississippi. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.