Best Cheap Car Insurance in Mississippi for 2017

Auto Insurance, Insurance

Shopping around is crucial if you want cheap car insurance in Mississippi. Insurance prices can swing dramatically from one insurer to the next for seemingly no reason, and vary depending on factors such as your age, credit and history of accidents.

To help Mississippi drivers find competitive deals, NerdWallet researched rates from the eight largest insurers in the state and found the lowest rates for the following types of drivers:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Drivers with a military connection

Also in this article

Minimum car insurance requirements in Mississippi

Alternative car insurance in Mississippi

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $1,275/year

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price

  • $1,360/year

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price

  • $1,399/year

The average price for good drivers among the three cheapest insurers was roughly $1,345 per year, which comes to about $112 a month. State Farm led the field with the cheapest average quote overall at $1,275 per year. Shelter Mutual and Mississippi Farm Bureau rounded out the list of cheapest options for this group.

Cheapest for young drivers

For drivers in their early 20s.


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price

  • $675/year

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price

  • $679/year

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price

  • $688/year

Young drivers usually don’t have much to lose financially if they’re sued over a car crash. They can often get by with less insurance than older drivers as a result and find relatively cheap car insurance in Mississippi.   

We looked at quotes for drivers in their early 20s carrying the minimum state-required insurance limits. State Farm had the best deal at $675 per year, which was $600 cheaper than the company’s price for 30-year-old good drivers carrying full coverage policies. Nationwide and Mississippi Farm Bureau were the next most affordable options.

Cheapest for drivers with one at-fault crash


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price

  • $1,539/year

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price

  • $1,679/year

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price

  • $1,773/year

Rates will typically spike at renewal time if you have caused an accident. Drivers with an at-fault crash on their records also tend to face relatively high rates when shopping for a new policy.

State Farm had the cheapest car insurance in Mississippi for this group at $1,539 per year. That’s $264 higher than the lowest rate we found for drivers of the same age with no crashes on record, which was also from State Farm.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier. 


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price

  • $2,021/year

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price

  • $2,094/year

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price

  • $2,133/year

Insurers use drivers’ credit-based insurance scores to help assess their odds of making future claims. Those with poor credit usually face higher rates than most other groups, even customers who’ve caused an accident.

Nationwide Insurance had the best deal for drivers with credit problems at $2,021 per year. That’s $746 more than the lowest rate we found for good drivers with good credit, and $482 more than the cheapest quote for people with one at-fault crash.  

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting. 


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price

  • $815/year

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price

  • $1,012/year

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price

  • $1,104/year

By giving up the daily commute and spending less time in their car, retirees can nab relatively cheap car insurance in Mississippi.

We looked at rates for drivers in their 60s who travel half as much each year as other groups. The cheapest average rate was $815 per year from Shelter Mutual — $460 less than the best deal we saw for good drivers more than half that age who commute.  

Cheapest for drivers with a military connection


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Get a quote USAA is only open to active military members, veterans and their families.

If you’re an active military member or a veteran — or have an immediate family member who is — you’ll most likely find pretty cheap car insurance in Mississippi from USAA. Although it’s not available to the general public, USAA was one of the two cheapest options for every category listed above.

Minimum car insurance requirements in Mississippi

Mississippi car insurance policies must include liability insurance. If you ever cause an accident, this coverage pays for others’ injuries or property damage, up to your insurance limit.

The minimum limits you can select are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Most drivers can benefit from buying more than the legal minimum, as a crash could easily result in injury or repair bills higher than the amounts listed above. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

Check out NerdWallet’s guide to car insurance requirements by state for more help understanding coverage options for your Mississippi auto policy.

Alternative car insurance in Mississippi

Drivers who are unable to buy car insurance through the voluntary market — due to poor credit, DUIs or other factors — can get coverage through the Mississippi Automobile Insurance Plan.

For more help finding cheap car insurance in Mississippi, check out NerdWallet’s car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Mississippi

CategoryCheapest option
Good driversState Farm
Young driversState Farm
Drivers with one at-fault crashState Farm
Drivers with poor creditNationwide
Retired driversShelter Mutual
Military familiesUSAA

Updated June 8, 2017.

For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than motorists in other groups. Our sample young driver was age 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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