Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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Compare RatesStart Now → licensed agents analyzed the cheapest car insurance companies in Mississippi and found Travelers Insurance ($385 per year) provides the cheapest rate for minimum coverage.

Mississippi Farm Bureau ($1,428 per year) provides the cheapest insurance for Mississippi drivers who prefer full coverage policies. 

Affordable Mississippi Car Insurance Rates

The best way drivers in Mississippi can save more on car insurance premiums is by comparing quotes by zip code from multiple insurers with the lowest rates from our insurance study.

Cheapest Car Insurance in Mississippi - Key Takeaways
AutoInsureSavings.orgThe cheapest Mississippi car insurance options are:

Cheapest for minimum coverage: Travelers Insurance
Cheapest for full coverage: Mississippi Farm Bureau
Cheapest after an at-fault accident: Mississippi Farm Bureau
Cheapest after a speeding ticket: State Farm
Cheapest after a DUI: Travelers Insurance
Cheapest with poor credit history: GEICO
Cheapest for young drivers: Travelers Insurance
For younger drivers with a speeding violation: ALFA Insurance
For younger drivers with an at-fault accident: Mississippi Farm Bureau

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Check out this useful guide on Mississippi auto insurance to help you find the best rates and get more details on the average rates from leading insurance providers for various age groups. 

Cheapest car insurance in Mississippi with Travelers Insurance, State Farm, Mississippi Farm Bureau compared with average rates.

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Cheapest Car Insurance in Mississippi for Minimum Coverage

Our agents found that Travelers Insurance has the most affordable annual rates for drivers in Mississippi, with a $384 per year quote for minimum coverage for our sample 30-year-old male driver.

The average Mississippi rate for minimum liability insurance policies is $780 per year, and Travelers’ rate is $396 cheaper or 51% less expensive.

InsurerAverage annual rate
State Farm$476
Mississippi Farm Bureau$526

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*USAA is for qualified military members, their spouses, and direct family members. Your rates may be different based on the driver’s profile.

Drivers in Mississippi who only want a minimum coverage policy can drive legally for less by switching to one of the cheapest insurance companies illustrated above. 

Cheapest Full Coverage Car Insurance in Mississippi

Mississippi Farm Bureau offers the cheapest insurance option for those with good driving records in Mississippi with a quote at $1,428 per year or $119 per month for affordable full coverage rates. Farm Bureau’s rate is 31% less expensive than Mississippi’s average rates of $2,068 per year. 

Auto insurerAnnual costMonthly cost
Mississippi Farm Bureau$1,428$119
State Farm$1,470$122
Mississippi average$2,068$172

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The average cost of full coverage in Mississippi is $172 per month or $2,068 annually. Full coverage insurance, which includes comprehensive and collision coverage, reimburses you for property damage to your vehicle no matter who is at fault. licensed agents to suggest drivers in The Magnolia State who own a newer vehicle or worth more than $3,000 should consider a full coverage insurance policy to guarantee they won’t pay out of pocket if an auto accident occurs that leaves their car totaled.

Cheapest Insurance With a Speeding Ticket in Mississippi

Mississippi drivers can find the cheapest insurance with a speeding ticket on driving records with State Farm, which has average annual premium costs of $1,627 per year. We found State Farm’s rate is 31% cheaper than Mississippi’s mean speeding violation rate of $2,340 per year.

Auto insurerAnnual costMonthly cost
State Farm$1,627$135
Mississippi average$2,340$195

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According to the Insurance Information Institute (, drivers in Mississippi can expect their car insurance rates to increase by an average of 21% after receiving a traffic violation. The rate increase depends on how fast you were going and how many speeding tickets you already have on your driving record in Mississippi. 

Cheapest Insurance in Mississippi With a Car Accident

Drivers in Mississippi with an at-fault accident on driving records can still save on their car insurance rates with Mississippi Farm Bureau, which offers a $156 monthly rate or 37% cheaper than Mississippi’s average rates.

We suggest comparing auto insurance quotes with ALFA to get the best price, which provided us a $170 monthly rate for drivers with an at-fault accident. 

Auto insurerAnnual costMonthly cost
Mississippi Farm Bureau$1,873$156
State Farm$2,388$199
Mississippi average$2,964$247

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Just one at-fault accident on your record in Mississippi can significantly increase your car insurance premium. Our research found that the difference between average auto insurance premiums for a driver with a good driving record than a driver with one accident is $896 per year.

Cheapest Insurance Coverage in Mississippi With a DUI

According to our rate analysis, Travelers offers the cheapest insurance rates for Mississippi drivers with a DUI with a $2,470 per year rate or $205 per month.

Travlers’ rate is 30% less expensive than Mississippi’s average insurance premium for drivers with a DUI in their driving history.  

InsurerAnnual costMonthly cost
Travelers Insurance$2,470$205
State Farm$2,566$213
Mississippi average$3,512$292

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A DUI is a severe offense that can cause numerous consequences for a Mississippi policyholder. According to the Mississippi Driver Service (DPS), a driver will have an average insurance rate increase of 39% and have a 30 day to one-year license suspension with mandatory SR-22 insurance and a minimum 10-hour defensive driving course.    

Cheapest Car Insurance with Poor Credit in Mississippi

Drivers with a poor credit score in Mississippi can find the best and cheap auto insurance with GEICO, which provided our agents a $2,154 per year rate for full coverage car insurance. GEICO’s rate is 19% lower than average rates for 30-year-old drivers.

InsurerAnnual costMonthly cost
State Farm$2,257$188
Mississippi Farm Bureau$2,379$198
Mississippi average$2,639$219

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Your credit history in Mississippi can have an impact on how much you pay for car insurance. Credit scores are among the many factors that car insurance companies consider when providing you with a quote. It is found that drivers who have poor credit pay 43% more for insurance, file more claims, and be involved in more accidents than drivers who have a good credit score.

Cheapest Car Insurance Coverage in Mississippi for Young Drivers

During our comparison analysis, young Mississippi drivers or college students can get the cheapest insurance with Travelers, which provided us a $2,980 per year rate for full coverage insurance.

Young or teen drivers who need minimum coverage should compare quotes with Travelers, Mississippi Farm Bureau, and State Farm.

Farm Bureau offers the cheapest minimum liability coverage rate at $1,417 per year for teen drivers, while Travelers Insurance is $1,469 per year, and State Farm’s insurance rate is $1,582 per year.

Auto insurerFull coverageMinimum coverage
Mississippi Farm Bureau$3,245$1,417
State Farm$4,387$1,582
Mississippi average$5,863$2,172

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*USAA is for qualified military members, their spouses, and direct family members. Your rates may be different based on the driver’s profile.

Young or teen drivers needing coverage in Mississippi will pay more 58% more for their car insurance premium regardless of what company they choose.

According to the National Highway Traffic Safety Administration (NHTSA), drivers in a younger age group are at a higher risk than older and more experienced drivers.

Our licensed agents recommend a teen driver go on their parent’s full coverage policy or have an adult family member as a primary policyholder to save money. 

Cheapest Car Insurance for Young Drivers with Speeding Tickets

Young drivers in Mississippi with traffic tickets should look to ALFA Insurance to get the best auto insurance rates. The average car insurance cost from ALFA is $3,670 per year for full coverage.

ALFA’s speeding ticket rate is 44% cheaper than the $6,514 average rates in Mississippi for younger drivers. 

InsurerAnnual costMonthly cost
ALFA Insurance$3,670$305
Travelers Insurance$3,948$329
Mississippi Farm Bureau$4,080$340
Mississippi average$6,514$542

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Cheapest Insurance for Young Drivers in Mississippi with a Car Accident

The cheapest insurance coverage for younger drivers with an accident in Mississippi is Farm Bureau, which provided our agents a $320 monthly rate for full coverage or $281 per month less than Mississippi’s average rates at $601 per month.

The next cheapest option is Travelers Insurance, with a $355 monthly car insurance rate or 41% less expensive than Mississippi’s average auto insurance quotes.  

InsurerAnnual costMonthly cost
Mississippi Farm Bureau$3,840$320
Travelers Insurance$4,262$355
State Farm$4,777$398
Mississippi average$7,218$601

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Best Car Insurance Companies in Mississippi licensed agents found the Mississippi Farm Burea and ALFA insurance companies offer some of the most affordable rates with excellent customer satisfaction and good financial strength to various Mississippi drivers.

ValuePenguin surveyed with similar insurance company results:

Insurer% respondents satisfied with recent claim% respondents rated customer service as excellent
State Farm74%46%
Travelers Insurance74%59%
ALFA Insurance73%53%
Mississippi Farm Bureau71%52%

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If you are in the market for a new auto insurance policy and are only concerned about the price, these two auto insurance companies in Mississippi offer some of the state’s best auto insurance rates.

We also used data from the National Association of Insurance Commissioners (NAIC), J.D. Power’s claims satisfaction survey, and each car insurance company’s financial strength ratings from A.M. Best.

InsurerNAIC Complaint IndexJ.D. Power Claims SatisfactionA.M. Best Financial Strength Rating
Mississippi Farm Bureau0.06n/aA+
ALFA Insurance0.40n/aA
Travelers Insurance0.51796A+
State Farm0.66881A++
Liberty Mutual1.00870A

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NAIC complaint ratio looks at the number of complaints of the best car insurance company based on market share.

The lower the complaint ratio, the better. It is an indication of the quality of the car insurance carrier’s customer service and claims satisfaction.

In this instance, the car insurance carrier who rated the best based on a low amount of complaints is Mississippi Farm Bureau with 0.06, which is lower than the national average of 1.00. USAA has the best J.D. Power claims satisfaction score at 890 out of 1,000. 

When you have more information about what each car insurance provider has to provide you with, it will be easier for you to narrow down your choices and make an informed decision on the best auto insurance company in Mississippi is the best option for you.

Average Car Insurance Costs by City in Mississippi

Your zip code in Mississippi is a significant factor in your average auto insurance rates, along with driver profiles, including driving record, marital status, type of motor vehicle, and coverage levels.

Typically, densely populated areas, high crime areas, or poor road conditions tend to have expensive auto insurance rates. car insurance experts did a study on the most populous Mississippi cities.

Cheapest Auto Insurance in Jackson, MS

Jackson drivers can find the cheapest insurance with State Farm who provided our agents a $1,680 per year rate for our 30-year-old driver. State Farm’s quote is 34% less expensive than Jackson’s average rates. 

Jackson insuranceAverage Premium
State Farm$1,680
Mississippi Farm Bureau$1,724
Travelers Insurance$1,884
Jackson average$2,532

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Cheapest Auto Insurance in Hattiesburg, MS

Drivers in Hattiesburg can find the best coverage rates with Mississippi Farm Bureau, which provided us a quote at $1,612 per year for a full coverage insurance policy. Farm Bureau’s rate is 35% cheaper than Hattiesburg’s yearly insurance rate of $2,460 per year.

Hattiesburg insuranceAverage Premium
Mississippi Farm Bureau$1,612
ALFA Insurance$1,670
Travelers Insurance$1,816
Hattiesburg average$2,460

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Cheapest Auto Insurance in Biloxi, MS

Our licensed agents found ALFA Insurance is the cheapest insurance company in Biloxi, MS. They provided us a $1,571 annual rate for full coverage, 36% less expensive than Biloxi’s yearly average rate of $2,427.

Biloxi insuranceAverage Premium
ALFA Insurance$1,571
State Farm$1,658
Biloxi average$2,427

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Cheapest Auto Insurance in Tupelo, MS

Our research found the cheapest insurance in Tupelo is with Mississippi Farm Bureau, which provided AutoInsureSavings agents a $1,589 per year quote for $100,000 in liability coverage with comprehensive and collision coverage $500 deductibles for 30-year-old drivers in Tupelo.  

Tupelo insuranceAverage Premium
Mississippi Farm Bureau$1,589
State Farm$1,646
Travelers Insurance$1,711
Tupelo average$2,538

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Cheapest Auto Insurance in Meridian, MS

People in Meridian can find cheap auto coverage with Mississippi Farm Bureau, which provided our agents an insurance rate of $1,476 per year for a 30-year-old with full coverage.

Meridian insuranceAverage Premium
Mississippi Farm Bureau$1,476
State Farm$1,539
Travelers Insurance$1,612
Meridian average$2,370

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Cheapest Auto Insurance in Olive Branch, MS

Olive Branch drivers can find the best full coverage insurance policy with State Farm, which provided our agents a $1,431 per year rate with $100,000 in liability insurance with collision and comprehensive $500 deductibles. State Farm’s quote is 38% cheaper than average rates for 30-year-old drivers in Olive Branch. 

Olive Branch insuranceAverage Premium
State Farm$1,431
ALFA Insurance$1,480
Mississippi Farm Bureau$1,558
Olive Branch average$2,283

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Cheapest Car Insurance in Oxford, MS

Drivers in Oxford can find affordable auto insurance coverage with State Farm, which provided AutoInsureSavings agents a $1,463 per year quote for full coverage. State Farm’s car insurance quote is 40% cheaper than Oxford’s average rates. 

Oxford insuranceAverage Premium
State Farm$1,463
ALFA Insurance$1,492
Mississippi Farm Bureau$1,577
Oxford average$2,411

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Average Insurance Cost for All Cities in Mississippi

CityAnnual insurance costCityAnnual insurance cost
Gulfport$2,589Bay Springs$2,016
Hattiesburg$2,460Itta Bena$1,932
Olive Branch$2,283Collinsville$2,204
Horn Lake$2,419Ackerman$1,993
Oxford$2,411Port Gibson$1,965
Starkville$2,190Friars Point$2,074
Ocean Springs$1,932Lambert$2,227
Long Beach$2,133Cleary$1,993
Natchez$2,227De Kalb$1,965
Moss Point$2,204Mississippi Valley State University$1,932
Bay St. Louis$1,965DeLisle$2,052
McComb$2,254Mount Olive$1,993
Yazoo City$1,932Walnut$2,227
West Point$2,329Derma$2,297
Indianola$2,052Blue Mountain$2,156
Flowood$1,993Duck Hill$1,965
New Albany$2,074Crenshaw$2,131
Gulf Hills$2,260Pickens$1,993
St. Martin$1,965Mooreville$2,179
Holly Springs$1,993Jonestown$2,298
Batesville$2,351Rawls Springs$2,156
Gulf Park Estates$2,340Alcorn State University$2,168
West Hattiesburg$2,270Toomsuba$2,016
Louisville$1,932Big Point$2,246
Columbia$1,993Walnut Grove$1,965
Pass Christian$2,016Algoma$2,156
Aberdeen$2,309North Tunica$1,993
Crystal Springs$2,368Kilmichael$2,074
Pearl River$2,260Isola$2,179
New Hope$2,357Bude$2,329
Mississippi State$2,074Tucker$1,993
Water Valley$2,016Cloverdale$1,932
Newton$2,329Meridian Station$2,204
Verona$1,993New Augusta$2,179
Lucedale$2,346Hickory Flat$2,133
Beechwood$2,316New Houlka$2,329
Macon$2,052Ethel and Redwater$2,351
Ruleville$2,260Potts Camp$2,179
Lynchburg$2,204State Line$2,310
Hide-A-Way Lake$2,329Vaiden$2,052
Union$2,248New Hamilton$2,339
Eupora$2,016Standing Pine$2,329
Bridgetown$2,074Bogue Chitto$2,052
Nettleton$2,179New Hebron$2,320
Tunica Resorts$2,227Dumas$2,179
Arnold Line$2,016Osyka$2,360
Rolling Fork$2,133Bentonia$2,052
Calhoun City$1,965Tishomingo$2,227
Kearney Park$2,156Blue Springs$2,204
Mound Bayou$2,052Silver City$1,993
Columbus AFB$1,965Chunky$1,993

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Minimum Car Insurance Requirements in Mississippi

For financial responsibility, Mississippi state laws require all car insurance policies to have bodily injury liability and property damage liability coverage with the following liability limits: 

Liability insuranceMinimum coverage
Bodily injury liability coverage$25,000 per person and $50,000 per accident
Property damage liability coverage$25,000 per accident

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Our agents recommend full coverage insurance with higher liability limits for most drivers in Mississippi with a clean driving record, including uninsured motorist coverage since the uninsured motorist rate is 29.4%, according to the Insurance Information Institute (

Frequently Asked Questions

Who has the Cheapest Car Insurance Coverage in Mississippi?

Travelers Insurance offers the most affordable insurance rates to various Mississippi drivers at $384 per year for minimum coverage. USAA is cheap coverage ($317 per year). However, if you are not eligible for their coverage, your next best options for low-priced car insurance are State Farm ($476 per year) and Mississippi Farm Bureau ($526 per year).

To find out who offers affordable car insurance in Mississippi, you want to make sure to compare rates by getting quotes from top car insurance companies.

How Much is Minimum Coverage Car Insurance in Mississippi per Month?

The average cost of state minimum car insurance in Mississippi is $780 per year or $65 per month. Travelers Insurance average rate for minimum coverage is $384 per year or $32 per month. State Farm’s rate is $39 per month and Mississippi Farm Bureau at $43 per month are also below the state’s average rates.

How Much Is Full Coverage Car Insurance in Mississippi?

The average cost of full coverage auto insurance in Mississippi is $172 per month or $2,068 per year. Mississippi Farm Bureau at $1,428 per year, State Farm at $1,470 per year, and ALFA Insurance at $1,733 per year offer full coverage insurance at an average rate lower than the state’s average by 17%. 

Full coverage auto insurance costs significantly more than minimum liability insurance, and for that reason, many drivers will choose an auto policy with less coverage to save money. If you have a newer vehicle or concerns about minimum coverage not providing you with enough protection, you should consider full coverage insurance.

How do I Save on Car Insurance in Mississippi?

There are several ways you can save money on your insurance premium costs in Mississippi. Initially, it would be best to compare quotes from multiple providers to determine which car insurance carrier in the area offers the lowest rates for you. After that, you should inquire about a money-saving driver discount provided by each insurance provider you have in mind.

The more car insurance discounts you are eligible for, the more money you can save. Taking time to make sure you have an appropriate coverage level, pay your credit cards and bills on time, and practicing safe driving habits are three more things you can do that will help you save on your Mississippi car insurance rates.

To learn more about the most affordable car insurance options in Mississippi, enter your zip code or get expert advice at Our licensed car insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

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We used rates for drivers with an accident history, credit score, and marital status for other Mississippi rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.


– National Highway Traffic Safety Administration. “Traffic Safety Stats.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Centers for Disease Control. “Sobering Facts: Alcohol-Impaired Driving State Fact Sheets.”
– Driver Service Bureau of Mississippi. “DUI Department.”
– NOLO. “DUI Laws by State.”