Cheapest car insurance for high-risk drivers in Mississippi

Cheapest car insurance in Mississippi for a bad driving record

Drivers with a poor record in Mississippi will find the lowest rates from Nationwide, Travelers and Progressive. Among these, Nationwide provides the lowest annual 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, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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How much is high-risk car insurance in Mississippi?

In Mississippi, the average cost of high-risk car insurance is $3,182 per year. However, you may secure coverage from Nationwide for as low as $2,247 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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 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

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,927 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Mississippi.

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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Cheapest car insurance in Mississippi with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $1,927 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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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Cheapest car insurance in Mississippi with bad credit

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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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

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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

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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: