Low-cost car insurance in Mississippi

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In Mississippi, Travelers offers the cheapest average premium at $1,779 per year. For comparison, the statewide average monthly cost is $200, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Mississippi, the minimum liability requirement is $25,000 for bodily injury per person, $25,000 for bodily injury per accident, and $50,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Travelers offers the lowest car insurance rates in Mississippi, at $1,779 per year, which is about $618 the state average.
Shelter Insurance has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,272.
The ZIP code 39743 has the low-cost car insurance rates in Mississippi, at an average annual rate of $2,065.

Low-cost car insurance businesses in Mississippi

When comparing insurers in Mississippi, Travelers leads the pack with an annual average of $1,779. That’s $618 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Mississippi.

Company	Average annual rates
Travelers	$1,779
Nationwide	$2,092
Shelter Insurance	$2,147
Progressive	$2,545
GEICO	$2,667
Southern Farm Bureau	$2,918
Allstate	$3,002
Safeway Insurance	$3,711
USAA*	$1,410

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

How we choose low-cost car insurance companies in Mississippi

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Mississippi

In Mississippi, drivers living in the 39743 ZIP code enjoy the lowest average annual premium at $2,065. Check the table below to see which other ZIP codes in the state have more affordable rates.

Zipcode	City	Average annual rates
39743	Crawford	$2,065
39736	Artesia	$2,068
39702	Columbus	$2,100
39705	Columbus	$2,105
39701	Columbus	$2,107
39766	Steens	$2,116
39753	Mayhew	$2,129
38804	Tupelo	$2,142
38801	Tupelo	$2,143
38828	Blue Springs	$2,144

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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

Teenagers pay significantly more for car insurance than adults in Mississippi. For instance, a 16-year-old driver pays $8,335 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Mississippi.

Age group	Full coverage annual premiums
Teens (16-19)	$8,455
Young Adults (20-24)	$3,870
Adults (25-60)	$2,412
Seniors (65-75)	$2,426

Low-cost car insurance in Mississippi by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Mississippi

A single speeding ticket in Mississippi can push your rates up by 28%, or about $678. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$2,147	$2,460	15%	$313
Travelers	$1,779	$2,590	46%	$811
Allstate	$3,002	$3,309	10%	$307
GEICO	$2,667	$3,453	29%	$786
Southern Farm Bureau	$2,918	$3,513	20%	$595
Progressive	$2,545	$3,562	40%	$1,017
Nationwide	$2,092	$3,650	74%	$1,558
Safeway Insurance	$3,711	$4,024	8%	$313
USAA*	$1,410	$1,833	30%	$423

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

Low-cost car insurance after an accident in Mississippi

Shelter Insurance offers the lowest car insurance rates to drivers after an at-fault accident at $2,272 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
Shelter Insurance	$2,147	$2,272	6%	$125
Travelers	$1,779	$2,539	43%	$760
Nationwide	$2,092	$3,631	74%	$1,539
Southern Farm Bureau	$2,918	$3,781	30%	$863
Allstate	$3,002	$4,400	47%	$1,398
Progressive	$2,545	$4,417	74%	$1,872
GEICO	$2,667	$4,461	67%	$1,794
Safeway Insurance	$3,711	$5,259	42%	$1,548
USAA*	$1,410	$2,158	53%	$748

*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	$1,779	$2,700	52%	$921
Progressive	$2,545	$3,182	25%	$637
Shelter Insurance	$2,147	$3,200	49%	$1,053
Allstate	$3,002	$4,187	39%	$1,185
Southern Farm Bureau	$2,918	$4,809	65%	$1,891
Safeway Insurance	$3,711	$4,816	30%	$1,105
Nationwide	$2,092	$4,934	136%	$2,842
GEICO	$2,667	$8,208	208%	$5,541
USAA*	$1,410	$2,753	95%	$1,343

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

Average cost of car insurance Mississippi

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Mississippi is $181 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Mississippi, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.