Which company has the cheapest car insurance in Mississippi for a bad driving record?
Nationwide, Travelers and Progressive offer some of the cheapest rates for drivers with poor driving records in Mississippi. Among them, Nationwide has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,247 annually.
If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.
| 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 |
How much is high-risk car insurance in Mississippi?
State Farm has the cheapest average DUI insurance rates in Mississippi at $1,927 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.
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.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
People ask
Who is considered a high-risk driver in Mississippi?
Drivers in Mississippi are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.
What company offers the cheapest car insurance in Mississippi after a DUI?
State Farm offers the cheapest average rates after a DUI in Mississippi 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 |
What is the cheapest car insurance in Mississippi with multiple tickets?
State Farm has the cheapest average rates for drivers with multiple tickets at $1,927 annually or $161 monthly.
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 |
Expert's Insight
Two minor tickets can sometimes cost you more on insurance than one major violation.
Which company offers the cheapest insurance for reckless driving in Mississippi?
State Farm offers the cheapest average reckless driving insurance rates in Mississippi at $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 |
Expert's Insight
Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.
Which company has the cheapest car insurance for drivers with bad credit in Mississippi?
Nationwide has the cheapest average rates for drivers with poor credit in Mississippi at $1,946 annually or $162 monthly.
Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically 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 |
What company has the cheapest car insurance in Mississippi after an accident?
Nationwide has the cheapest average post-accident insurance rates in Mississippi at $2,088 per year. State Farm also offers below-average rates after an at-fault crash.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city is the cheapest for high-risk car insurance in Mississippi?
Ecru has the cheapest average high-risk car insurance rates in Mississippi at $2,844 annually. In comparison, Natchez has the highest average premiums at $3,636 per year.
Where you live in Mississippi matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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 |
How can high-risk drivers lower their car insurance rates in Mississippi?
High-risk drivers in Mississippi can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.
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.
- Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
- 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 Mississippi 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.
What are Mississippi's insurance requirements 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.
An SR-22 is not an insurance policy and doesn't require special 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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in Mississippi
Can high-risk drivers get full coverage car insurance in Mississippi?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Mississippi?
Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Mississippi?
Yes, your rates should decrease over time if you avoid additional tickets, accidents or claims.
Compare Mississippi high-risk driver car insurance rates with other states
You might also be interested in- Mississippi car insurance laws and requirements: What is changing in 2026
- Mississippi OUI and insurance: How much does an OUI raise your insurance?
- Speeding ticket calculator in Mississippi
- SR-22 insurance in Mississippi
- Non-owner car insurance in Mississippi: Best and cheapest companies
- Mississippi gap insurance: Everything you need to know
- Low-income car insurance in Mississippi
- Mississippi car insurance coverage calculator
- Mississippi car insurance guide
- Cheapest home and auto insurance bundle in Mississippi
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