Non-owner car insurance in Mississippi: Which company has the cheapest rates?

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Non-owner auto insurance in Mississippi costs $474 annually, which is $12 less than the average nationally, according to an Insure.com rate analysis.

In Mississippi, non-owner policies are available from companies such as Shelter Insurance, Travelers and Southern Farm Bureau.

“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.

Learn more about the various requirements, 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?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,578 annually for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $2,397 in Mississippi.

Alternatively, non-owner car insurance is $486 a year on average in the United States and $474 in Mississippi.

But actual rates are based on your age and driving history and also where in state you live.

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Which insurer offers the cheapest non-owner insurance rates in Mississippi?

Shelter Insurance offers Mississippi’s least expensive non-owner insurance policy at $143 a year.

At $847 a year, the Nationwide charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Mississippi

How much is non-owner car insurance in Mississippi by age?

Age is 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 an average of $472 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,620.

Average non-owner auto insurance rates in Mississippi by age and gender

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Which Mississippi cities have the cheapest non-owner auto insurance?

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below display the cities in Mississippi that have the least and most expensive non-owner auto insurance rates.

The 20 Mississippi cities with the lowest non-owner auto insurance rates

The 20 Mississippi cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Mississippi’s 10 biggest cities?

The most populous cities in Mississippi have varying non-owner insurance rates. The cost of non-owner insurance in Jackson is the highest at $494; Tupelo has the cheapest rates of the largest cities in the state at $395.

Non-owner car rates in Mississippi’s 10 largest cities

How non-owner insurance rates in Mississippi compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Mississippi’s average non-owner insurance rate is $474 a year, lower than the $486 national average.

Non-owner car insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Mississippi

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Below are a few insurers with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• GEICO: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., to analyze non-owners auto insurance pricing.

This data is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, opting for a non-owners policy on a Honda Accord with a 12-mile commute and 10,000 annual mileage. We analyzed over 65 million insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $486.

Read more about our research standards and methodology.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com.

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