- Cheapest non-owner car insurance companies in Mississippi
- Best non-owner car insurance in Mississippi
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Mississippi
- Non-owner car insurance in Mississippi by age and gender
- Non-owner vs. traditional car insurance
- What does Mississippi non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Mississippi
- Methodology
- Compare Mississippi non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Mississippi
The cheapest non-owner car insurance in Mississippi is from State Farm, with an average rate of $242. The second most affordable option in Mississippi is Southern Farm Bureau, with an average rate of $276.
The table below shows the most affordable non-owner car insurance companies in Mississippi.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $242 | $20 |
| Southern Farm Bureau | $276 | $23 |
| Travelers | $347 | $29 |
| Nationwide | $350 | $29 |
| Progressive | $383 | $32 |
| GEICO | $527 | $44 |
| USAA | $125 | $10 |
Best non-owner car insurance in Mississippi
Although State Farm is the best overall choice, Travelers and Nationwide are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Mississippi, we considered several key factors, such as the number of customer complaints, financial strength, and 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. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Mississippi.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $242 | 807 | 0.70 | A++ | 3.52 |
| Travelers | $347 | 851 | 0.49 | A++ | 3.22 |
| Nationwide | $350 | 818 | 0.64 | A+ | 2.94 |
| Progressive | $383 | 828 | 0.65 | A+ | 2.84 |
| GEICO | $527 | 847 | 0.91 | A++ | 2.47 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Mississippi.
State Farm
State Farm is our top choice for non-owner car insurance in Mississippi. Its average annual non-owner car insurance cost is $242. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.
Travelers
Another excellent choice for non-owner car insurance in Mississippi is Travelers. Average rates are $347 annually. Travelers has an AM Best rating of A++ and an NAIC complaint ratio of 0.49.
Nationwide
Our third choice is Nationwide, with an average rate of $350. It has an NAIC complaint ratio of 0.64 and an AM Best rating of A+.
PEOPLE ASK:
Do I need Mississippi non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Mississippi
Non-owner car insurance in Mississippi costs $321 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Mississippi by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Mississippi.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Mississippi by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $714 | $600 |
| Young Adults (20-24) | $457 | $448 |
| Adults (25-60) | $324 | $322 |
| Seniors (65-75) | $360 | $341 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Mississippi won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of 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. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $321 |
| Traditional state minimum policy | $463 |
| State minimum car insurance limits | 25/50/25 |
What does Mississippi non-owner car insurance cover?
A Mississippi non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Mississippi, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Mississippi
Drivers in Mississippi might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
In Mississippi, non-owner car insurance costs an average of $321, with State Farm offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Mississippi non-owners car insurance rates with other states
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