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

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Non-owner auto insurance in Mississippi costs $302 a year, which is $51 lower than the national average, according to Insure.com’s 2023 rate analysis.

In Mississippi, non-owner policies are available from companies such as Nationwide, Geico and Travelers.

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.

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 car insurance cost in Mississippi?

Insurance companies consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 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. In Mississippi, full coverage car insurance costs $1,498.

On the other hand, non-owner car insurance costs $353 a year on average in the United States and $302 in Mississippi.

But various factors affect individual rates, such as where in Mississippi you live, your age and driving history and other factors.

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

USAA offers Mississippi’s least expensive non-owner insurance policy at $96 a year.

At $413 a year, Progressive 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 get 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

Note that USAA only offers coverage to military members, veterans and their families.

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

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually less expensive than those of younger drivers. On average, Mississippi non-owner insurance costs $303 a year for a 45-year-old, while it’s $904 for a 16-year-old driver.

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

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.

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

Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area 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 car insurance rates

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

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

The most populous cities in Mississippi have different non-owner insurance rates. The cost of non-owner insurance in Biloxi is the most expensive at $370. Vardaman has the least expensive prices of the state’s largest cities at $250.

Non-owner auto 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 $302 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car insurance in Mississippi

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“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.

Here are some insurance companies with contact 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 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.

Explore other insurance options in Mississippi

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Average renters insurance cost in Mississippi

Average homeowners insurance cost in Mississippi

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 and managing content, now at Insurance.com.