Cheapest car insurance for high-risk drivers in Mississippi

Which company has the cheapest car insurance in Mississippi for a bad driving record?

Nationwide, Travelers, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Mississippi.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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

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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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

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

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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

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Mississippi after 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

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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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Mississippi?

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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Company has the cheapest car insurance for drivers with bad credit in Mississippi?

The cheapest Mississippi insurer for bad credit is Nationwide, with rates averaging $1,946 annually or $162 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.

Check out the table below to see how your credit score affects Mississippi car insurance.

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

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What company has the cheapest car insurance in Mississippi after an accident?

Nationwide has the lowest rates after an accident at $2,088 a year. State Farm also has affordable rates at $2,124 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Mississippi?

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

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How can high-risk drivers lower their car insurance rates in Mississippi?

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

Where you live in Mississippi also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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.

Are Mississippi's insurance requirements for high-risk drivers?

If you're a high-risk driver in Mississippi, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

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: