- Best car insurance company in Mississippi: Nationwide
- Cheapest car insurance company in Mississippi: Travelers
- Average cost of car insurance in Mississippi
- Mississippi car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Mississippi
- Cheapest car insurance cost in Mississippi by age
- Cheapest car insurance companies in Mississippi by driver profile
- Compare auto insurance rates by city in Mississippi
- Car insurance premium trends in Mississippi
- Methodology
- Compare Mississippi car insurance rates with other states
Best car insurance company in Mississippi: Nationwide
Nationwide, State Farm, Shelter Insurance, Travelers, GEICO, Progressive and Allstate are among the best auto insurance companies in Mississippi for all drivers, based on our 2025 best car insurance companies rankings.
Below are the top Mississippi auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Nationwide | A | 669 | 0.63 | $1,331 | 4.52 |
| State Farm | A++ | 673 | 0.79 | $1,797 | 4.34 |
| Shelter Insurance | A | 679 | 0.43 | $2,469 | 4.13 |
| Travelers | A++ | 642 | 0.52 | $1,636 | 4.13 |
| GEICO | A++ | 651 | 0.69 | $2,210 | 3.8 |
| Progressive | A+ | 637 | 0.71 | $2,131 | 3.51 |
| Allstate | A+ | 634 | 1.1 | $2,527 | 2.93 |
| USAA | A++ | 759 | 1.18 | $1,320 | 4.5 |
Cheapest car insurance company in Mississippi: Travelers
We have gathered price quotes from all the major insurance providers in Mississippi and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers offers the cheapest full-coverage car insurance in Mississippi, with average rates of $1,885 annually or $157 a month. If you’re eligible, you can save even more at USAA.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $489 | $680 | $1,885 |
| Shelter Insurance | $578 | $850 | $2,346 |
| Nationwide | $706 | $847 | $2,559 |
| GEICO | $375 | $625 | $2,637 |
| Progressive | $365 | $584 | $2,687 |
| Southern Farm Bureau | $438 | $634 | $2,743 |
| Allstate | $848 | $1,178 | $2,992 |
| Safeway Insurance | $390 | $632 | $3,518 |
| USAA | $289 | $428 | $1,405 |
*USAA offers car insurance only to military veterans and their families.
Average cost of car insurance in Mississippi
The average cost of car insurance in Mississippi is $2,455 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Mississippi is $510.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Mississippi
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Hermanville | $998 | $83 |
| Hurley | $998 | $83 |
| Utica | $997 | $83 |
| Puckett | $997 | $83 |
| Waveland | $994 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Sibley | $1,001 | $83 |
| Richland | $1,001 | $83 |
| Nesbit | $1,002 | $83 |
| Port Gibson | $1,004 | $84 |
| Carriere | $1,006 | $84 |
The Mississippi Insurance department says...
While it is important to keep the cost of automobile insurance low, price should not be the only consideration when you are shopping for insurance. As the saying goes, you get what you pay for. In addition to comparing prices, it is a good idea to compare the financial strength of a company, its reputation for service, specific coverages, discounts and other benefits they offer.
- The Mississippi Insurance departmentMississippi car insurance requirements
You need car insurance with minimum coverage levels of 25/50/25 in Mississippi, which costs $510 each year or $43 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Mississippi:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $25,000 per person
Cheapest car insurance companies for minimum liability coverage in Mississippi
According to Insurance.com, Progressive has the cheapest state minimum liability coverage, at $584 per year or $49 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Mississippi.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Progressive | $584 | $49 |
| GEICO | $625 | $52 |
| Safeway Insurance | $632 | $53 |
| Southern Farm Bureau | $634 | $53 |
| Travelers | $680 | $57 |
| Nationwide | $847 | $71 |
| Shelter Insurance | $850 | $71 |
| Allstate | $1,178 | $98 |
| USAA | $428 | $36 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Mississippi by age
In Mississippi, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Southern Farm Bureau offers the cheapest car insurance for a 16-year-old driver in Mississippi at $5,482 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Mississippi, Travelers offers the cheapest car insurance for a 25-year-old driver and a 65-year-old driver at $2,252 per year and $1,704 per year, respectively. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Southern Farm Bureau | $5,482 | $457 |
| USAA | $6,935 | $578 |
| Shelter Insurance | $7,822 | $652 |
| Travelers | $7,844 | $654 |
| GEICO | $8,471 | $706 |
| Nationwide | $10,063 | $839 |
| Progressive | $13,478 | $1,123 |
| Allstate | $15,310 | $1,276 |
| Safeway Insurance | $19,516 | $1,626 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Mississippi by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of these incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Mississippi auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,885 | $2,643 | $2,737 |
| Shelter Insurance | $2,346 | $4,763 | $2,858 |
| Allstate | $2,992 | $4,366 | $3,297 |
| GEICO | $2,637 | $4,440 | $3,422 |
| Progressive | $2,687 | $4,429 | $3,709 |
| Nationwide | $2,559 | $4,014 | $3,911 |
| USAA | $1,405 | $2,138 | $1,824 |
*USAA offers car insurance only to military members veterans and their families.
Compare auto insurance rates by city in Mississippi
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, 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. costs, weather and more. That means where you live in Mississippi will impact what you pay. Below, we've gathered Mississippi car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Calhoun City | $1,964 |
Carthage | $1,949 |
Gulfport | $2,096 |
Car insurance premium trends in Mississippi
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Mississippi to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. 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.
Unless otherwise indicated, 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
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Mississippi car insurance rates with other states
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