- Best car insurance companies in Mississippi
- Cheapest car insurance companies in Mississippi
- Average cost of car insurance in Mississippi
- Cheapest car insurance cost in Mississippi by age
- Cheapest car insurance companies in Mississippi by driver profile
- Compare auto insurance rates by city in Mississippi
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Mississippi
Travelers is the best auto insurance company in Mississippi for all drivers, based on an analysis by Insurance.com, with an overall rating of 3.38.
Travelers, Nationwide, State Farm, Geico, and Progressive are the top Mississippi auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | $1,636 | 851 | 0.49 | 3.38 |
| Nationwide | A+ | $1,331 | 818 | 0.64 | 3.27 |
| State Farm | A++ | $1,797 | 807 | 0.7 | 3.26 |
| Geico | A++ | $2,210 | 847 | 0.91 | 2.87 |
| Progressive | A+ | $2,131 | 828 | 0.65 | 2.84 |
| Allstate | A+ | $2,527 | 816 | 0.65 | 2.64 |
| Shelter Insurance | A | $2,469 | 851 | 1.18 | 2.6 |
Cheapest car insurance companies in Mississippi
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Mississippi and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Mississippi, with average rates of $1,331 annually or $111 a month. If you’re eligible, you can save even more at USAA.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $283 | $422 | $1,320 |
| Nationwide | $429 | $563 | $1,331 |
| Travelers | $457 | $632 | $1,636 |
| State Farm | $355 | $517 | $1,797 |
| Southern Farm Bureau | $383 | $540 | $1,933 |
| Progressive | $346 | $564 | $2,131 |
| Geico | $388 | $622 | $2,210 |
| Shelter Insurance | $821 | $939 | $2,469 |
| Allstate | $691 | $895 | $2,527 |
| Safeway Insurance | $492 | $691 | $2,946 |
*USAA offers car insurance only to military veterans and their families.
Average cost of car insurance in Mississippi
The average cost of car insurance in Mississippi is $2,008 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Mississippi is $463.
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Most & least expensive ZIP codes for auto insurance in Mississippi
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 39086 | Hermanville | $211 |
| 39144 | Pattison | $209 |
| 39150 | Port Gibson | $207 |
| 39096 | Alcorn State University | $205 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 39743 | Crawford | $158 |
| 39736 | Artesia | $159 |
| 39702 | Columbus | $161 |
| 39701 | Columbus | $161 |
Cheapest car insurance cost in Mississippi by age
In Mississippi, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Southern Farm Bureau offers the cheapest car insurance for teen drivers in Mississippi at $3,637 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Mississippi, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,331 per year and $1,245 per year, respectively.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Southern Farm Bureau | $3,637 |
| Teens (16-19) | Nationwide | $4,137 |
| Teens (16-19) | USAA* | $4,175 |
| Teens (16-19) | State Farm | $4,807 |
| Teens (16-19) | Travelers | $4,960 |
| Teens (16-19) | Shelter Insurance | $6,632 |
| Teens (16-19) | Geico | $7,333 |
| Teens (16-19) | Safeway Insurance | $9,249 |
| Teens (16-19) | Progressive | $9,326 |
| Teens (16-19) | Allstate | $9,454 |
| Young Adults (20-24) | USAA* | $2,014 |
| Young Adults (20-24) | Nationwide | $2,069 |
| Young Adults (20-24) | Travelers | $2,492 |
| Young Adults (20-24) | Southern Farm Bureau | $2,729 |
| Young Adults (20-24) | State Farm | $2,867 |
| Young Adults (20-24) | Progressive | $3,345 |
| Young Adults (20-24) | Geico | $3,858 |
| Young Adults (20-24) | Allstate | $3,935 |
| Young Adults (20-24) | Shelter Insurance | $4,438 |
| Young Adults (20-24) | Safeway Insurance | $4,692 |
| Adults (25-60) | Nationwide | $1,331 |
| Adults (25-60) | USAA* | $1,335 |
| Adults (25-60) | Travelers | $1,665 |
| Adults (25-60) | State Farm | $1,802 |
| Adults (25-60) | Southern Farm Bureau | $1,964 |
| Adults (25-60) | Progressive | $2,143 |
| Adults (25-60) | Geico | $2,187 |
| Adults (25-60) | Allstate | $2,506 |
| Adults (25-60) | Shelter Insurance | $2,574 |
| Adults (25-60) | Safeway Insurance | $2,886 |
| Seniors (65-75) | Nationwide | $1,245 |
| Seniors (65-75) | USAA* | $1,369 |
| Seniors (65-75) | Travelers | $1,611 |
| Seniors (65-75) | State Farm | $1,703 |
| Seniors (65-75) | Southern Farm Bureau | $1,737 |
| Seniors (65-75) | Progressive | $1,961 |
| Seniors (65-75) | Shelter Insurance | $2,281 |
| Seniors (65-75) | Allstate | $2,542 |
| Seniors (65-75) | Geico | $2,582 |
| Seniors (65-75) | Safeway Insurance | $2,939 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Mississippi by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of these incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Mississippi auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $938 | $1,664 | $1,250 |
| Nationwide | $1,137 | $1,771 | $1,559 |
| State Farm | $1,361 | $1,622 | $1,465 |
| Travelers | $1,432 | $2,113 | $2,093 |
| Geico | $1,434 | $2,621 | $1,883 |
| Progressive | $1,538 | $2,871 | $2,081 |
| Allstate | $1,995 | $3,181 | $2,236 |
*USAA offers car insurance only to military members veterans and their families.
Compare auto insurance rates by city in Mississippi
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Mississippi.
| City | Annual insurance premium |
|---|---|
Calhoun City | $1,964 |
Carthage | $1,949 |
Gulfport | $2,096 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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