Car Insurance Non-owner car insurance in Mississippi: Which company has the cheapest rates? The average cost in Mississippi for a non-owner car insurance policy is $350 a year, but USAA and State Farm offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 10, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Mississippi costs $350 a year, according to a 2023 rate analysis by Insure.com, which is $30 lower than the national average. In Mississippi, these policies are available from companies such as Nationwide, Geico and Travelers, in addition to many others. Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Mississippi. How much does non-owner auto insurance cost in Mississippi? It’s usually less expensive to buy a non-owner insurance policy than typical auto insurance because insurance companies regard non-owner policyholders as less risky due to their limited access to a car. On average, in the United States, it costs $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. This applies to those drivers with a good credit score as well as a clean driving record. In Mississippi, the cost is $1,498. On the other hand, non-owner auto insurance costs $350 a year in Mississippi and $380 on average in the U.S. There are various factors that affect the rates, such as where in Mississippi you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in Mississippi? Mississippi’s least expensive non-owner insurance policy is offered by USAA at $96 a year. At $685 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state. A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies offered in Mississippi. Cheapest non-owner insurance rates in Mississippi CompanyAverage annual premiumUSAA$96State Farm$239Nationwide$335Geico$344Travelers$351 You should note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Mississippi by age? Age is also an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Mississippi, a 45-year-old will pay $349 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,349 on average. Average non-owner car insurance rates in Mississippi by age and gender AgeMaleFemale16$1,388$1,31017$1,378$1,30618$1,177$1,11219$764$71820$705$66021$568$53622$499$47823$475$45524$450$43425$396$39630$363$36635$355$36240$350$35345$347$35050$338$33655$330$32560$331$32965$351$35570$381$38575$419$414 Which Mississippi cities have the cheapest non-owner car insurance? From city to city, there’s a lot of variation in rates. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates. Below are the cheapest and most expensive cities for non-owner car insurance in Mississippi. The 20 Mississippi cities with the lowest non-owner auto insurance rates Cities in MississippiLowest non-owner car insurance ratesVardaman$250Eupora$251Mantee$251Pittsboro$251Amory$252Bruce$252Calhoun City$252Bellefontaine$253Big Creek$253French Camp$253Walthall$253Greenwood Springs$254Maben$254Mathiston$254Aberdeen$256Smithville$256Houston$257Tremont$257Nettleton$258Slate Spring$258 The 20 Mississippi cities with the highest non-owner car insurance rates Cities in MississippiHighest non-owner car insurance ratesKiln$379Gulfport$377Bay St. Louis$375Diamondhead$375Waveland$374Lakeshore$373Pearlington$371Biloxi$370D’Iberville$367Long Beach$366Saucier$366Southaven$365Olive Branch$364Pass Christian$364Flowood$363Lynchburg$363Natchez$361Sibley$361Washington$361Jackson$359 How much is non-owner car insurance in Mississippi’s 10 biggest cities? The most populous cities in Mississippi sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Gulfport is the most expensive at $377. Tupelo has the least expensive price among the state’s largest cities at $275. Non-owner auto insurance rates in Mississippi’s 10 largest cities 10 largest cities in Mississippi Non-owner car ratesGulfport$377Biloxi$370Southaven$365Olive Branch$364Jackson$359Madison$345Clinton$343Hattiesburg$317Meridian$289Tupelo$275 How non-owner insurance rates in Mississippi compare to rates in other states The rates for non-owner auto insurance will vary from state to state. The average non-owner insurance rate in Mississippi is $350, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and then Iowa at $193 a year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Mississippi Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website. “Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Below are some insurance companies with phone numbers to call for a non-owner insurance quote. Farmers: 800-974-6755 The Hartford: 888-413-8970 Kemper: 866-530-5500 Mercury: 866-910-2768 Nationwide: 888-869-5727 Progressive: 866-749-7436 State Farm: 800-782-8332 Travelers: 866-925-0105 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Mississippi? Which insurer offers the cheapest non-owner insurance rates in Mississippi? How much is non-owner car insurance in Mississippi by age? Which Mississippi cities have the cheapest non-owner car insurance? How much is non-owner car insurance in Mississippi's 10 biggest cities? How non-owner insurance rates in Mississippi compare to rates in other states How to get non-owner car insurance in Mississippi Get instant quotes now ! Please enter valid zip Get quote