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Finding Cheap Auto Insurance in Mississippi

If you’re looking for cheap auto insurance in Mississippi, check out the price comparisons below. We’ve evaluated 11 auto insurance companies to find the best Mississippi auto insurance rates for a variety of drivers.

Related: Best Car Insurance Companies

Cheap Mississippi Car Insurance For Good Drivers

Good drivers get the best rates, but it’s always worth the drive. If you have a good driving record, get quotes from Direct General and Geico auto insurance. If you are in the military or a veteran, USAA is a good option.

Cheap car insurance in Mississippi for speeding drivers

If you are caught speeding, you may see an increase in your auto insurance rates in Mississippi. Our analysis found that Direct General and Geico had the best rates for drivers with a speeding ticket. Military and veterans alike can find competitive rates with USAA auto insurance.

Cheap auto insurance in Mississippi for drivers who have caused an accident with injury

Mississippi drivers who cause an accident causing injury to someone else can generally expect to pay more for auto insurance. This is why it is a good idea to shop around for better rates. Check out quotes from State Farm Auto Insurance and Direct General Insurance. Military and veterans alike can find the best prices at USAA, based on our analysis.

Cheap Mississippi Car Insurance For Drivers With A DUI

It should come as no surprise that drivers with a DUI conviction on their record will pay more for Mississippi auto insurance. Our analysis shows that drivers with impaired driving pay on average about $ 830 more per year than drivers with good driving records. But you can always shop around for the most competitive rates based on your situation. Direct General Insurance and State Farm obtained the best rates among the companies surveyed.

Cheap Mississippi Car Insurance For Drivers With Low Credit

Bad credit can lead to higher auto insurance rates in Mississippi. If your credit is low, it is important to compare car insurance quotes from several insurers. Geico and Direct General can offer the most competitive prices, based on our analysis.

Cheap Mississippi Car Insurance For Drivers Without Insurance

Auto insurance companies often charge more for drivers who have an error in their auto insurance history. If you need to purchase auto insurance, check out quotes from Direct General and Geico.

Cheapest Vehicles for Insurance in Mississippi

You can potentially save money on auto insurance with the right type of vehicle. In Mississippi, the Jeep Wrangler JL Sport, Subaru Crosstrek, and Honda CR-V LX are among the cheapest cars for insurance, based on average prices of the top 50 selling 2021 models. The 20 cheapest cars to insure are below.

The cars with the most expensive insurance in Mississippi among the popular models are the Tesla Model S Performance ($ 4,622 per year) and the Volvo XC90 T8 Inscription ($ 2,857 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Mississippi

You must purchase auto liability insurance in Mississippi. This is essential coverage that covers property damage and personal injury you cause to others. It also pays for legal defense if someone takes legal action against you because of a car accident.

Mississippi car owners must purchase liability insurance with limits of at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 25,000 for property damage in an accident

You will see this written as 25/50/25.

It is a good idea to purchase liability limits that are higher than the amount required. If you cause an accident with multiple injuries, medical bills could quickly exceed minimum policy limits and you could be sued for the rest. It pays to purchase sufficient liability insurance to protect your assets and savings.

What else should I have?

Coverage for uninsured / underinsured motorists. Uninsured Motorist (UM) coverage pays for medical bills if you are hit by a driver who does not have auto liability insurance. Underinsured Motorists (UIM) coverage is similar and can be used if you are struck by a driver who does not have enough insurance to cover the injuries of others.

Mississippi auto insurance companies are required to offer UM / UIM insurance, but you can decline them in writing. Usually these are good types of coverage to have.

Medical payments (MedPay). This coverage covers medical and funeral expenses for you and your passengers for injuries sustained in a car accident, regardless of who caused the accident.

Collision and full coverage. These types cover your car repairs for a wide range of issues, such as car crashes, riots, hail, floods, fires, falling objects, vandalism, and collisions with animals. Comprehensive coverage also pays for auto theft.

If you are renting your car or have a loan, the leasing company or lender will likely require you to purchase both collision coverage and comprehensive coverage.

Summary: Compulsory auto insurance in Mississippi

Can I show my insurance ID card from my phone?

Mississippi drivers can use cell phones to show auto insurance ID. Many auto insurers have mobile apps that include access to this proof of insurance. And you don’t have to keep track of a hard copy.

Factors Allowed In Mississippi Auto Insurance Rates

In addition to the driving record, previous claims, and vehicle model, Mississippi auto insurance companies can use these factors to calculate rates.

How many uninsured drivers are there in Mississippi?

About 29% of Mississippi drivers do not have auto insurance, according to the Insurance Research Council. It is the second highest rate of uninsured drivers in the United States, behind Florida. That’s why it’s good to have your own insurance to cover uninsured driver issues, including MedPay, collision damage waiver, and / or uninsured motorist coverage.

Penalties for driving without automobile insurance

If you’re caught driving in Mississippi without auto insurance, you could be fined $ 1,000 and have your driving privileges suspended for a year (or until you can show proof of insurance).

When can a vehicle be totaled?

Mississippi insurance companies can declare a car a total loss if the cost of repairs exceeds the value of the car, unless it is 10 years old or older, if the car is worth 1 $ 500 or less, or if it requires the replacement of five or less minor components.

Resolve insurance issues

The Mississippi Insurance Department regulates insurance companies and takes consumer complaints. If you have an unresolved issue with an auto insurance company, you can file a complaint online.

Methodology

To find the cheapest auto insurance companies in Mississippi, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for Mississippi were Alfa, Allstate, Direct General, Geico, Mississippi Farm Bureau, Progressive, Safeway, Shelter, State Farm, Travelers, and USAA.

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