Cheapest car insurance for high-risk drivers in Mississippi

Cheapest car insurance in Mississippi for a bad driving record

If you have a poor driving record in Mississippi, Nationwide, Travelers, Progressive are the cheapest options. Nationwide has the lowest annual rate at $2,247 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Nationwide	$1,331	$2,247
Travelers	$1,636	$2,461
Progressive	$2,131	$3,075
State Farm	$1,797	$3,092
Allstate	$2,527	$3,219
GEICO	$2,210	$3,837
Shelter Insurance	$2,469	$3,879
USAA	$1,320	$2,042

Read our methodology

How much is high-risk car insurance in Mississippi?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Mississippi, high-risk car insurance costs $3,182 per year. However, you can get rates as low as $2,247 annually from Nationwide.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Mississippi, MS is $3,533

Show Graph View

Company	Annual premium for clean record	Annual premium after violation
USAA	$1,320	$2,008
Nationwide	$1,331	$2,088
State Farm	$1,797	$2,124
Travelers	$1,636	$2,351
Progressive	$2,131	$3,512
Allstate	$2,527	$3,688
GEICO	$2,210	$3,847
Shelter Insurance	$2,469	$5,012

Read our methodology

Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Mississippi?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Mississippi with a DUI

Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,927 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Mississippi for drivers with a clean record versus those with a DUI.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$1,797	$1,927
Travelers	$1,636	$2,475
Progressive	$2,131	$2,681
Nationwide	$1,331	$2,715
Allstate	$2,527	$3,439
Shelter Insurance	$2,469	$5,649
GEICO	$2,210	$6,884
USAA	$1,320	$2,565

Read our methodology

Cheapest car insurance in Mississippi with multiple tickets

For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,927 per year or $161 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Mississippi how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
State Farm	$1,797	$1,927
Nationwide	$1,331	$2,034
Travelers	$1,636	$2,375
Allstate	$2,527	$2,785
GEICO	$2,210	$2,867
Progressive	$2,131	$2,941
Shelter Insurance	$2,469	$3,008
USAA	$1,320	$1,714

Read our methodology

Cheapest car insurance in Mississippi with a reckless driving conviction

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,927 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,797	$1,927
Travelers	$1,636	$2,475
Nationwide	$1,331	$2,715
Progressive	$2,131	$3,254
Allstate	$2,527	$3,439
Shelter Insurance	$2,469	$4,103
GEICO	$2,210	$4,823
USAA	$1,320	$1,791

Read our methodology

Cheapest car insurance in Mississippi with bad credit

In Mississippi, Nationwide provides the lowest premiums for drivers with poor credit, averaging $1,946 per year or $162 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Mississippi.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,331	$1,946
Travelers	$1,636	$2,690
GEICO	$2,210	$2,709
Progressive	$2,131	$3,692
Allstate	$2,527	$4,084
Shelter Insurance	$2,469	$4,498
State Farm	$1,797	$8,916
USAA	$1,320	$2,755

Read our methodology

Cheapest car insurance after an accident in Mississippi

Nationwide offers the lowest rates after an accident, averaging $2,088 per year. State Farm is another budget-friendly option, with rates around $2,124 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Nationwide	$1,331	$2,088	$2,847
State Farm	$1,797	$2,124	$2,124
Travelers	$1,636	$2,293	$2,863
Progressive	$2,131	$3,512	$4,666
Allstate	$2,527	$3,688	$4,785
GEICO	$2,210	$3,721	$5,072
Shelter Insurance	$2,469	$5,012	$7,234
USAA	$1,320	$2,008	$3,476

Read our methodology

Cheapest car insurance in Mississippi by city

Ecru has the cheapest car insurance rates in Mississippi at $2,844 per year. But the most expensive city is Natchez with rates of $3,636 per year.

Your location in Mississippi also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Ecru	$1,807	$2,844
Columbus	$1,922	$3,035
Olive Branch	$1,945	$3,089
Carthage	$1,949	$3,093
Calhoun City	$1,964	$3,105
Moss Point	$2,032	$3,216
Gulfport	$2,096	$3,319
Clinton	$2,130	$3,385
Natchez	$2,278	$3,636

Read our methodology

How to reduce car insurance rates in Mississippi for a bad driving record

Finding affordable car insurance in Mississippi is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Mississippi?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Mississippi car insurance laws for high-risk drivers

If you're considered a high-risk driver in Mississippi, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: