Cheap Car Insurance in Mississippi for April 2024

Direct Auto offers the cheapest car insurance in Mississippi, with an average annual rate of $1,649 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Mississippi isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Mississippi is Direct Auto at $1,649 per year on average, or $137 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Mississippi. Meanwhile, the average cost of full coverage car insurance in Mississippi is $2,118 per year, or about $177 per month.

Minimum coverage in Mississippi is $590 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Mississippi at $330 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Mississippi

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in Mississippi and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Mississippi. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Mississippi where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Mississippi for 20-year-olds

Drivers in Mississippi with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Mississippi Farm Bureau: $3,053 per year, or about $254 per month.
  2. Progressive: $3,121 per year, or about $260 per month.
  3. Safeway: $3,512 per year, or about $293 per month.
  4. State Farm: $3,606 per year, or about $301 per month.
  5. Direct Auto: $3,693 per year, or about $308 per month.

Cheapest minimum coverage car insurance in Mississippi for 20-year-olds

Drivers in Mississippi who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Direct Auto: $763 per year, or about $64 per month.
  2. State Farm: $901 per year, or about $75 per month.
  3. Progressive: $974 per year, or about $81 per month.
  4. Mississippi Farm Bureau: $1,017 per year, or about $85 per month.
  5. Safeway: $1,094 per year, or about $91 per month.

Cheapest auto insurance in Mississippi for 20-year-olds with poor credit

Drivers with poor credit in Mississippi should look at the following insurers with the lowest average rates for minimum coverage:

  1. Direct Auto: $712 per year, or about $59 per month.
  2. Safeway: $1,094 per year, or about $91 per month.
  3. Allstate: $1,530 per year, or about $128 per month.
  4. Progressive: $1,652 per year, or about $138 per month.
  5. Mississippi Farm Bureau: $1,757 per year, or about $146 per month.

Cheapest auto insurance in Mississippi for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $1,016 per year, or about $85 per month.
  2. Progressive: $1,089 per year, or about $91 per month.
  3. Safeway: $1,260 per year, or about $105 per month.
  4. Direct Auto: $1,307 per year, or about $109 per month.
  5. Mississippi Farm Bureau: $1,405 per year, or about $117 per month.

Cheapest auto insurance in Mississippi for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. Progressive: $1,195 per year, or about $100 per month.
  2. State Farm: $1,219 per year, or about $102 per month.
  3. Mississippi Farm Bureau: $1,403 per year, or about $117 per month.
  4. Safeway: $1,408 per year, or about $117 per month.
  5. Direct Auto: $1,537 per year, or about $128 per month.

Cheapest auto insurance in Mississippi for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Progressive: $1,115 per year, or about $93 per month.
  2. State Farm: $1,438 per year, or about $120 per month.
  3. Safeway: $1,516 per year, or about $126 per month.
  4. Direct Auto: $1,619 per year, or about $135 per month.
  5. Travelers: $1,840 per year, or about $153 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Mississippi for 30-year-olds

Drivers in Mississippi who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Progressive: $1,786 per year, or about $149 per month.
  2. Direct Auto: $1,793 per year, or about $149 per month.
  3. State Farm: $1,796 per year, or about $150 per month.
  4. Mississippi Farm Bureau: $2,077 per year, or about $173 per month.
  5. Shelter: $2,171 per year, or about $181 per month.

Cheapest minimum coverage car insurance in Mississippi for 30-year-olds

Drivers in Mississippi who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. State Farm: $333 per year, or about $28 per month.
  2. Direct Auto: $401 per year, or about $33 per month.
  3. Mississippi Farm Bureau: $537 per year, or about $45 per month.
  4. Geico: $547 per year, or about $46 per month.
  5. Travelers: $557 per year, or about $46 per month.

Cheapest auto insurance in Mississippi for 30-year-olds with poor credit

Drivers with poor credit in Mississippi should consider the following companies with the lowest average rates for full coverage:

  1. Direct Auto: $1,836 per year, or about $153 per month.
  2. Safeway: $2,676 per year, or about $223 per month.
  3. Progressive: $3,416 per year, or about $285 per month.
  4. Geico: $3,530 per year, or about $294 per month.
  5. Nationwide: $3,555 per year, or about $296 per month.

Cheapest auto insurance in Mississippi for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $375 per year, or about $31 per month.
  2. Travelers: $640 per year, or about $53 per month.
  3. Progressive: $660 per year, or about $55 per month.
  4. Direct Auto: $708 per year, or about $59 per month.
  5. Mississippi Farm Bureau: $739 per year, or about $62 per month.

Cheapest auto insurance in Mississippi for 30-year-old drivers with one at-fault crash

For drivers in Mississippi with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $2,294 per year, or about $191 per month.
  2. Progressive: $2,510 per year, or about $209 per month.
  3. Mississippi Farm Bureau: $2,664 per year, or about $222 per month.
  4. Travelers: $2,668 per year, or about $222 per month.
  5. Safeway: $3,162 per year, or about $264 per month.

Cheapest auto insurance in Mississippi for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Progressive: $2,107 per year, or about $176 per month.
  2. State Farm: $2,588 per year, or about $216 per month.
  3. Travelers: $3,004 per year, or about $250 per month.
  4. Mississippi Farm Bureau: $3,331 per year, or about $278 per month.
  5. Safeway: $3,400 per year, or about $283 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Mississippi for 40-year-olds

Drivers in Mississippi with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Direct Auto: $1,556 per year, or about $130 per month.
  2. Progressive: $1,663 per year, or about $139 per month.
  3. Shelter: $1,723 per year, or about $144 per month.
  4. State Farm: $1,738 per year, or about $145 per month.
  5. Mississippi Farm Bureau: $1,916 per year, or about $160 per month.

Cheapest minimum coverage car insurance in Mississippi for 40-year-olds

Drivers in Mississippi who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. State Farm: $337 per year, or about $28 per month.
  2. Direct Auto: $354 per year, or about $30 per month.
  3. Mississippi Farm Bureau: $485 per year, or about $40 per month.
  4. Geico: $523 per year, or about $44 per month.
  5. Travelers: $535 per year, or about $45 per month.

Cheapest auto insurance in Mississippi for 40-year-olds with poor credit

Drivers with poor credit in Mississippi can check out the following insurers with the lowest average rates for full coverage:

  1. Direct Auto: $1,657 per year, or about $138 per month.
  2. Safeway: $2,310 per year, or about $193 per month.
  3. Shelter: $3,131 per year, or about $261 per month.
  4. Progressive: $3,227 per year, or about $269 per month.
  5. Mississippi Farm Bureau: $3,296 per year, or about $275 per month.

Cheapest auto insurance in Mississippi for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $380 per year, or about $32 per month.
  2. Direct Auto: $622 per year, or about $52 per month.
  3. Progressive: $630 per year, or about $52 per month.
  4. Travelers: $634 per year, or about $53 per month.
  5. Safeway: $656 per year, or about $55 per month.

Cheapest auto insurance in Mississippi for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Mississippi, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $2,243 per year, or about $187 per month.
  2. Progressive: $2,379 per year, or about $198 per month.
  3. Mississippi Farm Bureau: $2,445 per year, or about $204 per month.
  4. Travelers: $2,523 per year, or about $210 per month.
  5. Safeway: $2,668 per year, or about $222 per month.

Cheapest auto insurance in Mississippi for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Progressive: $1,983 per year, or about $165 per month.
  2. State Farm: $2,534 per year, or about $211 per month.
  3. Travelers: $2,842 per year, or about $237 per month.
  4. Safeway: $2,868 per year, or about $239 per month.
  5. Mississippi Farm Bureau: $3,018 per year, or about $252 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Mississippi for 50-year-olds

Drivers in Mississippi with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Direct Auto: $1,435 per year, or about $120 per month.
  2. Shelter: $1,435 per year, or about $120 per month.
  3. Progressive: $1,498 per year, or about $125 per month.
  4. State Farm: $1,695 per year, or about $141 per month.
  5. Mississippi Farm Bureau: $1,852 per year, or about $154 per month.

Cheapest minimum coverage car insurance in Mississippi for 50-year-olds

Drivers in Mississippi who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. State Farm: $332 per year, or about $28 per month.
  2. Direct Auto: $336 per year, or about $28 per month.
  3. Mississippi Farm Bureau: $470 per year, or about $39 per month.
  4. Safeway: $500 per year, or about $42 per month.
  5. Travelers: $511 per year, or about $43 per month.

Cheapest auto insurance in Mississippi for 50-year-olds with poor credit

Drivers with poor credit in Mississippi can check with the following companies, which showed the lowest average rates for full coverage:

  1. Direct Auto: $1,503 per year, or about $125 per month.
  2. Safeway: $1,954 per year, or about $163 per month.
  3. Shelter: $2,607 per year, or about $217 per month.
  4. Progressive: $2,905 per year, or about $242 per month.
  5. Mississippi Farm Bureau: $3,185 per year, or about $265 per month.

Cheapest auto insurance in Mississippi for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $374 per year, or about $31 per month.
  2. Safeway: $574 per year, or about $48 per month.
  3. Progressive: $605 per year, or about $50 per month.
  4. Travelers: $616 per year, or about $51 per month.
  5. Direct Auto: $643 per year, or about $54 per month.

Cheapest auto insurance in Mississippi for 50-year-old drivers with one at-fault crash

For drivers living in Mississippi with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $2,182 per year, or about $182 per month.
  2. Progressive: $2,238 per year, or about $186 per month.
  3. Safeway: $2,330 per year, or about $194 per month.
  4. Mississippi Farm Bureau: $2,356 per year, or about $196 per month.
  5. Travelers: $2,395 per year, or about $200 per month.

Cheapest auto insurance in Mississippi for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Progressive: $1,817 per year, or about $151 per month.
  2. State Farm: $2,428 per year, or about $202 per month.
  3. Safeway: $2,506 per year, or about $209 per month.
  4. Travelers: $2,776 per year, or about $231 per month.
  5. Mississippi Farm Bureau: $2,894 per year, or about $241 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Mississippi for 60-year-olds

Drivers in Mississippi with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Direct Auto: $1,391 per year, or about $116 per month.
  2. Progressive: $1,426 per year, or about $119 per month.
  3. Shelter: $1,435 per year, or about $120 per month.
  4. State Farm: $1,597 per year, or about $133 per month.
  5. Mississippi Farm Bureau: $1,734 per year, or about $144 per month.

Cheapest minimum coverage car insurance in Mississippi for 60-year-olds

Drivers in Mississippi who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. State Farm: $307 per year, or about $26 per month.
  2. Direct Auto: $339 per year, or about $28 per month.
  3. Mississippi Farm Bureau: $431 per year, or about $36 per month.
  4. Travelers: $524 per year, or about $44 per month.
  5. Progressive: $524 per year, or about $44 per month.

Cheapest auto insurance in Mississippi for 60-year-olds with poor credit

Drivers with poor credit in Mississippi can look at the following companies with the lowest average rates for full coverage:

  1. Direct Auto: $1,435 per year, or about $120 per month.
  2. Safeway: $1,906 per year, or about $159 per month.
  3. Shelter: $2,607 per year, or about $217 per month.
  4. Progressive: $2,760 per year, or about $230 per month.
  5. Nationwide: $2,955 per year, or about $246 per month.

Cheapest auto insurance in Mississippi for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $346 per year, or about $29 per month.
  2. Mississippi Farm Bureau: $592 per year, or about $49 per month.
  3. Progressive: $596 per year, or about $50 per month.
  4. Travelers: $640 per year, or about $53 per month.
  5. Direct Auto: $649 per year, or about $54 per month.

Cheapest auto insurance in Mississippi for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Mississippi, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $2,056 per year, or about $171 per month.
  2. Progressive: $2,160 per year, or about $180 per month.
  3. Mississippi Farm Bureau: $2,194 per year, or about $183 per month.
  4. Safeway: $2,290 per year, or about $191 per month.
  5. Travelers: $2,402 per year, or about $200 per month.

Cheapest auto insurance in Mississippi for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $1,742 per year, or about $145 per month.
  2. State Farm: $2,295 per year, or about $191 per month.
  3. Safeway: $2,458 per year, or about $205 per month.
  4. Mississippi Farm Bureau: $2,663 per year, or about $222 per month.
  5. Travelers: $2,815 per year, or about $235 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Mississippi for 70-year-olds

Drivers in Mississippi with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Direct Auto: $1,434 per year, or about $120 per month.
  2. Shelter: $1,543 per year, or about $129 per month.
  3. Progressive: $1,579 per year, or about $132 per month.
  4. State Farm: $1,657 per year, or about $138 per month.
  5. Mississippi Farm Bureau: $1,693 per year, or about $141 per month.

Cheapest minimum coverage car insurance in Mississippi for 70-year-olds

Drivers in Mississippi who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. State Farm: $332 per year, or about $28 per month.
  2. Direct Auto: $359 per year, or about $30 per month.
  3. Mississippi Farm Bureau: $424 per year, or about $35 per month.
  4. Progressive: $583 per year, or about $49 per month.
  5. Shelter: $593 per year, or about $49 per month.

Cheapest auto insurance in Mississippi for 70-year-olds with poor credit

Drivers with poor credit in Mississippi can look at the following companies with the lowest average rates for full coverage:

  1. Direct Auto: $1,608 per year, or about $134 per month.
  2. Safeway: $2,168 per year, or about $181 per month.
  3. Shelter: $2,804 per year, or about $234 per month.
  4. Mississippi Farm Bureau: $2,909 per year, or about $242 per month.
  5. Progressive: $3,043 per year, or about $254 per month.

Cheapest auto insurance in Mississippi for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Mississippi, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $374 per year, or about $31 per month.
  2. Mississippi Farm Bureau: $582 per year, or about $49 per month.
  3. Direct Auto: $695 per year, or about $58 per month.
  4. Progressive: $696 per year, or about $58 per month.
  5. Safeway: $714 per year, or about $60 per month.

Cheapest auto insurance in Mississippi for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Mississippi, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $2,124 per year, or about $177 per month.
  2. Mississippi Farm Bureau: $2,140 per year, or about $178 per month.
  3. Progressive: $2,461 per year, or about $205 per month.
  4. Safeway: $2,616 per year, or about $218 per month.
  5. Travelers: $2,679 per year, or about $223 per month.

Cheapest auto insurance in Mississippi for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $2,017 per year, or about $168 per month.
  2. State Farm: $2,392 per year, or about $199 per month.
  3. Mississippi Farm Bureau: $2,591 per year, or about $216 per month.
  4. Safeway: $2,812 per year, or about $234 per month.
  5. Direct Auto: $2,943 per year, or about $245 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 69 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

In lieu of car insurance, you may post a bond or make a cash or security deposit equal to the amounts above.

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.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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