Non-owner car insurance in Mississippi: Best and cheapest companies

Cheapest non-owner car insurance companies in Mississippi

State Farm offers the most affordable non-owner car insurance in Mississippi, with rates averaging $242. The second cheapest Mississippi non-owner insurer is Southern Farm Bureau. Average rates are $276.

Compare the cheapest non-owner car insurance companies in Mississippi below.

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

Read our methodology

Best non-owner car insurance in Mississippi

While State Farm is the top choice, Travelers and Nationwide are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Mississippi, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

The table below shows a comparison of the best 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

Read our methodology

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 pick is Nationwide. Nationwide rates average $350. Its NAIC complaint ratio is 0.64, and it has a 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-owners car insurance in Mississippi costs $321. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Mississippi by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Mississippi.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Mississippi rates for non-owner car insurance based on 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

Read our methodology

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Mississippi doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

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

Read our methodology

What does Mississippi non-owner car insurance cover?

A Mississippi non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Mississippi. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Mississippi

Drivers in Mississippi may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owners car insurance averages $321 in Mississippi, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Take the time to compare options to find the best non-owner car insurance in Mississippi. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.