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Mississippi Cheapest Car Insurance plus Minimum Requirements & Your Best Options for Savings

In my study of affordable insurers in Mississippi the overall cheapest are Farmers, Unitrin, and Mississippi Farm Bureau.

Depending on your age and location each carrier is able to offer quotes from 24% to 31% lower than the average premium.

Other insurance companies you would want to put on your list to get quotes are GEICO, Alfa, and State Farm.

Each are able to consistently offer quotes 20% lower than the median rate for similar age drivers.

Nationwide and Shelter can offer reasonably competitive quotes too. I will go into more details below.

In this article I am going to cover the minimum requirements and the cheapest auto insurance quotes for drivers from 25 to 55 years of age.

If you would like to skip to a portion of the article I have provided a table of contents down a little and to the right.

Mississippi Car Insurance Minimum Requirements

CoverageMississippi Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$25,000 / $50,000
Property Damage$25,000$25,000
Uninsured Motorist CoverageOptional$10,000 / $20,000
Underinsured MotoristOptionalGrouped with uninsured motorist coverage
Medical PaymentsOptional$1,000 limit
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$100 deductible

25,000/50,000/25,000 for bodily injury liability and property damage liability this to help ensure drivers are protected when driving in the state.

If you want to drive without the minimum requirement in Mississippi you can put a cash deposit of $50,000 per vehicle with the state Treasurer.

Since many cannot afford the “no insurance” plan most drivers opt to have at least minimum coverage for their vehicle.

Cheapest insurers for a 25 year old in Mississippi.Note: The lowest priced carriers we queried for a 25 year old are Farmers, Unitrin, and Mississippi Farm Bureau. This is for a driver with decent credit, good driving history, and owned a 2014 Toyota Camry. For more details please see rate table below.

Bodily Injury Liability

In the event the insured party is at-fault in an accident bodily injury liability covers the doctor’s costs of the other driver and their passengers.

When the minimum quantity of coverage is maintained the insurance firm will pay up to $25,000 for a single person and $50,000 for multiple passengers injured in a car accident.

Lowest premium choices for a 30 year old in Mississippi.Note: A 30 year old will find the lowest rates with Farmers and Unitrin at $1,187 and $1,210 respectfully. Please see details in rate table below.

Property Damage Liability

Property damage liability covers repairs for damages that happen to the other person’s automobile as well as damage to private and public property such as stop signs, traffic lights, or a place of business.

Under minimum coverage insurance will pay $25,000 for repairs that may be required.

Best premium choices for a 35 year old in MS.Note: For a 35 year old driver we found 3 carriers less than $1,000 per year. Farmers, Unitrin, and Mississippi Farm Bureau.

Common Coverage in Mississippi

Although the state minimum is required to drive the majority of drivers get more than the minimum in the state of Mississippi.

The common amount of coverage is as follows:

  • Bodily Injury Liability – 25,000/50,000

  • Property Damage Liability – 25,000

  • Uninsured Motorist (UM) – 10,000/20,000

  • Collision Cover – $500 deductible

  • Comprehensive Cover – $100 dollar deductible

  • Medical Payment Cover – $1,000

Cheapest Auto Insurance Providers by Age & Company

Below is a list of 18 insurers I queried for drivers aged 25 to 55 years. From the cheapest to the more expensive.

Depending on your age your best options are going to be with Farmers, Unitrin, and Mississippi Farm Bureau.

For younger drivers each carrier is able to offer quotes approximately 24% lower than average.

Older drivers can get quotes 31% cheaper than average.

Alfa and State Farm offer competitive quotes depending on your location.

In some locations each can offer the lowest rate.

Overall each carrier is able to offer competitive quotes 20% lower than the average rate.

Two insurers which popped on the radar for certain locations are Shelter and Nationwide.

Both carriers could offer quotes 14% lower than the median rate.

If you are in the market for a lower premium you have a blend of national and regional carriers to select from.

Each driver queried owned a 2014 Toyota Camry, had good credit, and decent driving history. Your results will vary.

Mississippi Company25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Farmers$1,576$1,187$976$812$723$623
Unitrin$1,587$1,210$987$821$754$611
Mississippi Farm Bureau$1,593$1,216$998$843$766$633
GEICO$1,595$1,223$1,008$865$789$612
Alfa$1,619$1,233$1.009$887$799$622
State Farm$1,627$1,243$1,032$900$800$643
Nationwide$1,632$1,265$1,043$907$809$655
Shelter$1,657$1,276$1,067$908$809$655
Progressive$1,667$1,300$1,121$916$812$658
Allied$1,670$1,310$1,123$932$812$651
Allstate$1,700$1,343$1,133$944$821$655
Travelers$1,719$1,387$1,144$956$843$651
The Hartford$1,723$1,409$1,155$976$844$676
Safe Auto$1,746$1,408$1,156$978$845$687
Liberty Mutual$1,837$1,412$1,176$987$855$678
Amica$1,878$1,567$1,209$988$876$700
Hanover$1,937$1,554$1,243$1,009$877$709
21st Century$1,969$1,546$1,244$1,012$899$703

Lowest car premium options for a 40 year old driver.Note: All of the insurers illustrated clustered between $812 and $887 for a 40 year old driver.

Uninsured Motorist Protection, Comprehensive, & Collision

Uninsured motorist protection is not required in the state of MS, but it is recommended to have UM insurance on your policy since there is a high amount of uninsured motorists in places like Biloxi, Gulfport, and Oxford.

Car theft and damage from natural disasters is common so carrying comprehensive and collision on your policy is recommended especially if you have a new model vehicle.

Least expensive auto policy options for a 45 year old.Note: Inexpensive quotes are found with Untirin and Farmers for a 45 year old. Each at $754 and $723 per year for full coverage.

More Lenient Laws in the State

The state of Mississippi laws regarding enforcing auto insurance is lenient compared to other states.

For example, a police officer cannot pull you over to check and see if you have insurance.

The officer has to see a traffic violation and then he/she can ask for proof of insurance.

The Governor of Mississippi (Jackson) has repealed any laws to electronically find if a driver is without coverage.

On the other hand, if you are pulled over for a traffic violation and have no insurance you will be fined $1000, your license will be suspended, and your registration will be revoked until you can provide prove you have coverge in Mississippi.

Cheapest premium choices for a 55 year old driver.

Best Insurance Firms by Consumer Rating, Rate Change Over 18 Months, & Complaints

Below is a table showing insurers based on the number of complaints, rate change over a 18 month period, and consumer rating.

It is normal for any well established company to have a number of complaints.

Therefore, it should “not” be a reason to decline coverage from them.

This is a reason to include the amount of written premiums.

National carriers, such as State Farm, have much higher number of customers and will have more complaints.

A flag would be if a carrier has a high number of complaints, but low amount of written premiums.

This is not the case for any of the insurers listed below.

Any data compiled is from reputable online sources, Insurance Information Institute (III.org), JD Power & Associates, and AM Best. 

MS CompanyPremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Farmers$43,521,515+2.0%74.4
Unitrin$11,653,717+1.8%44.0
State Farm$224,378,692+1.9%434.4
Allied$57,303,269+1.9%34.2
Shelter$7,289,527+2.1%74.0
Electric$10,682,721+1.7%53.9
Travelers$8,455,011+1.9%64.3
Nationwide$47,133,146+2.3%144.3
USAA$9,161,099+1.9%124.5
American Family$32,677,786+1.6%74.6
Hartford$50,703,294+1.7%74.3
Allstate$75,493,185+1.9%144.0
ANPAC$15,204,961+1.9%33.7
Mississippi Farm Bureau$11,164,693+1.5%103.8
Safeco$19,051,091+1.7%13.9
Liberty Mutual$49,315,179+1.6%394.3
AAA$32,793,682+1.9%33.9
Progressive$65,267,646+1.5%194.3
21st Century$15,048,870+1.6%154.3
Dairyland$18,924,474+1.9%194.1
GEICO$50,691,590+1.9%1914.4
State Auto$13,374,813+1.6%144.2
Esurance$20,876,150+2.4%244.1

The Best Ways to Minimize Coverage Cost in Mississippi

  • Maintain a good driving record

  • Take the highest deductible you can afford if you opt to carry collision and comprehensive coverage

  • Ask about discounts

  • Pay your insurance in a timely manner

  • It is cheaper for young drivers to be included on their parentsʼ policy

  • Before buying a vehicle, determine the cost of insuring it

    • Review your policy periodically

    • Consider a defensive driving course if you have more than one traffic violation

Average Rate by City in MS

Below is list of 27 moderate sized cities in Mississippi with the average premium cost.

Location is a primary factor for insures when determining your premium.

If you find your rate is much higher you may either be a young (teen) driver, have poor driving history, or possibly poor credit. 

Rates varied from $1,408 to $1,900 per year. Which is 33% difference from one city to the next.

If you would like a detailed comparison of populous cities please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Aberdeen$1,6435,391Gulfport$1,74367,793Pascagoula$1,67622,392
Bay St. Louis$1,6599,260Hernando$1,76915,631Ridgeland$1,68924,047
Brandon$1,68921,705Horn Lake$1,56126,066Southaven$1,73248,982
Byram$1,72111,489Indianola$1,8329,655Starkville$1,74723,888
Clarksdale$1,67617,962Leland$1,8024,104 Tupelo$1,53234,546
Clinton$1,83225,216McComb$1,67012,811Vancleave$1,4084,910
Columbus$1,61123,640New Albany$1,6438,786Vicksburg$1,57623,856
Gautier$1,60018,572Okolona$1,9002,618Walnut Grove$1,4211,608
Greenville$1,65934,400Olive Branch$1,74333,484Waveland$1,4986,435

Jackson, MS

Jackson, MS lowest premium choices for drivers.The insurance rates in Jackson are one of the highest at $1,832 per year.

Finding a lower quote is fairly easy if you start with State Farm at $1,231, Unitrin at $1,244, and Farmers at $1,256 for a 30 year old driver.

This is nearly 30% lower than the average for our top three picks, as illustrated.

Alfa and Mississippi Farm Bureau clustered near $1,300 and $1,312 which is nearly 25% lower than the “mean” rate.

For a 45 year old we found quotes well below the $1,000 mark. State Farm at $843, Unitrin at $856, Farmers at $879, and Alfa at $923.

All should be considered for a 45 year old including Mississippi Farm Bureau at $976. GEICO, Nationwide, and Shelter clustered between $1,000 and $1,100 for full coverage.

The most expensive query is Shelter at $1,477 for a 30 year old and $1,098 for a 45 year old driver.

Well below citywide average of $1,832 per year.

Jackson Company30 Y/O Driver45 Y/O Driver
State Farm$1,231$843
Unitrin$1,244$856
Farmers$1,256$879
Alfa$1,300$923
Mississippi Farm Bureau$1,312$976
GEICO$1,365$1,043
Nationwide$1,466$1,056
Shelter$1,477$1,098

Jackson, Mississippi is the largest city in the state with nearly 200,000 residents. 

Originally known as “LeFleur’s Bluff” was renamed in honor of Major General Andrew Jackson who would later become the seventh president of the United States. 

Residents of Jackson are proud of their music, their cuisine, and also their numerous cultural and recreational sites. 

One of Jackson’s premiere landmarks is the Jackson Zoo, which has been in existence since 1919.

Other neat attractions include, Eudora Welty House Museum, Mississippi Agriculture and Forestry Museum, Medgar Evers Home Museum, Mississippi Symphony Orchestra, Thalia Mara Hall, New Stage Theatre, and the Manship House Museum. 

Jackson is also home to the Mississippi Sports Hall of Fame and Museum, recently acclaimed by ESPN as one of the nation’s best museums for American Baseball History.

Biloxi, MS

Biloxi, MS low-cost auto premium choices for drivers.Residents can find a cheaper auto premium by getting quotes from State Farm, Alfa, and Unitrin.

Each queried at $1,477, $1,500, and $1,543 respectfully for a 30 year old driver.

About 10% lower than the citywide average of $1,659 per year.

Farmers and Mississippi Farm Bureau are about $100 more expensive at $1,587 and $1,600.

It would be wise for any driver to get quotes from all insurers illustrated for maximum savings and optimum coverage.

A 45 year old driver can find cheaper rates with State Farm and Unitrin each at $1,086 and $1,100 respectfully.

The most expensive insurer I queried for Biloxi is Shelter at $1,689 (above the “mean” rate) for a 30 year old and $1,267 for a 45 year old.

Biloxi Company30 Y/O Driver45 Y/O Driver
State Farm$1,477$1,086
Alfa$1,500$1,099
Unitrin$1,543$1,132
Farmers$1,587$1,147
Mississippi Farm Bureau$1,600$1,176
GEICO$1,634$1,210
Nationwide$1,658$1,234
Shelter$1,689$1,267

Biloxi is the 5th largest city in the state with nearly 50,000 residents. 

It derived its name from a Sioux term meaning “first people.” 

Biloxi experienced a catastrophic blow in 1969 by Hurricane Camille then Hurricane Katrina in 2005.

Some of the coolest attractions include, Biloxi Lighthouse, Mardis Gras Museum, Jefferson Davis Home, Maritime and Seafood Industry Museum, J.L. Scott Marine Education Center and Aquarium, and the Gulf Islands National Seashore.

Gaming and tourism is Biloxi’s most important industry with 24-hour gambling, concert entertainment shows, and several restaurants.

Natchez, MS

Natchez, MS affordable premium choices for drivers.Natchez is the most expensive city in the state for auto insurance with an average rate of $1,900 per year.

If you want a cheaper rate then get quotes from State Farm at $1,777, Alfa at $1,823, and Unitrin at $1,844.

All 5% to 10% lower than the average rate.

The cheapest, State Farm, is $123 in savings or over $1,200 each year.

For a 45 year old driver rates look a lot better. State Farm is the cheapest we queried at $1,432, Alfa at $1,465, and Unitrin at $1,500 for full coverage.

All over 22% lower than the “mean” rate in Natchez.

Mississippi Farm Bureau and Farmers are worth getting quotes from since we queried them at $1,509 and $1,510 respectfully.

A family would be smart to get quotes from all insurers to find the cheapest rate while maintaining maximum coverage.

Natchez Company30 Y/O Driver45 Y/O Driver
State Farm$1,777$1,432
Alfa$1,823$1,465
Unitrin$1,844$1,500
Farmers$1,876$1,510
Mississippi Farm Bureau$1,908$1,509
GEICO$1,965$1,543
Nationwide$1,987$1,589
Shelter$2,008$1,632

Unknown to most, Natchez was the wealthiest city in the United States prior to the Civil War.

Today it is a community of nearly 20,000 residents with beautiful scenery and stunning architecture.

The Auburn Museum & Historic Home, which was built in 1812, is known for its architectural design.

At the Natchez National Historical Park, visitors can take a look around the 18th-century Fort Rosalie, John T. McMurran’s estate and the William Johnson House. 

Every year the residents of the city organize the Angels On The Bluff festival and the Natchez Festival of Music attracting visitors from surrounding cities.

Meridian, MS

Meridian, MS affordable premium options for drivers.Drivers can get a cheaper auto premium by getting quotes from Unitrin, State Farm, and Alfa.

Each queried at $1,233, $1,246, and $1,287 respectfully for a 30 year old.

Which is more than 21% lower than the citywide average rate of $1,643.

Farmers and Mississippi Farm Bureau clustered between $1,300 and $1,312 which is about 18% lower than average.

A 30 year old should get quotes from all insurers illustrated for the most savings.

For a 45 year old driver I found 2 insurers below the $1,000 mark.

Unitrin at $897 and State Farm at $999 for full coverage.

I found 6 other insurers clustering between $1,007 (Alfa) and $1,143 (Shelter).

Still well below the “mean” rate of $1,643 per year.

Since all 8 insurers I queried are within $150 it would be smart for a family to get quotes from all companies illustrated.

Meridian Company30 Y/O Driver45 Y/O Driver
Unitrin$1,233$987
State Farm$1,246$999
Alfa$1,287$1,007
Mississippi Farm Bureau$1,300$1,065
Farmers$1,312$1,087
GEICO$1,356$1,090
Nationwide$1,367$1,121
Shelter$1,387$1,143

Meridian is the 6th largest city in the state with approximately 40,000 residents.

Incorporated as a city in 1860, the first settler of the area was Richard McLemore who offered offering free land to people in order to develop the city. 

Surrounded by rich vegetation packed in several national forest reserves and state parks, outdoor enthusiasts can enjoy the beauty of nature in Bienville National Forest, Homochitto National Forest and Clarkco State Park.

During the city’s “Golden Age” some of the most attractive hotels were built in Meridian including the Great Southern and the Grand Avenue hotels.

For history buffs, Meridian has nine historic districts that are listed on the National Register of Historic Places.

Which have some of the most charm and beauty for anyone to see. Some architectural designs include, Queen Anne, Colonial Revival, Italianate, Art Deco, Late Victorian, and Bungalow. 

The city has been selected as the future location of the Mississippi Arts and Entertainment Center.

Hattiesburg, MS

Hattiesburg, MS inexpensive premium choices for drivers.The two cheapest auto premium providers in Hattiesburg are Unitrin at $1,465 and Alfa at $1,467 for a 30 year old driver.

Or about 26% lower than the average rate of $1,769.

State Farm is about $33 more expensive at $1,500 per year for full coverage.

GEICO and Mississippi Farm Bureau are worth getting quotes from with lower than average rates of $1,512 and $1,564 respectfully.

For a 45 year old you find inexpensive insurance with Untirin and Alfa at $1,065 and $1,098 respectfully.

The most expensive insurer I queried is Shelter at $1,678 for a 30 year old driver. About $100 less than the “mean” rate.

For a 45 year old driver, Shelter came in at $1,236 per year for full coverage or about $530 lower than the average rate.

Hattiesburg Company30 Y/O Driver45 Y/O Driver
Unitrin$1,465$1,065
Alfa$1,467$1,098
State Farm$1,500$1,128
GEICO$1,512$1,143
Mississippi Farm Bureau$1,564$1,165
Farmers$1,587$1,187
Nationwide$1,634$1,210
Shelter$1,678$1,236

Hattiesburg is the 4th largest city in the state with 50,000 residents and a combined metropolitan area of nearly 150,000 residents.

Known as the Pine Belt, it was incorporated in 1884 and was originally called Twin Forks and later Gordonville.

Then finally named after Captain William H. Hardy wife Hatties. Put on the map nationally during the 1800’s as a lumber community – hence “Pine Belt”.  

Today, it is known as the regions preeminent in health care.

Other notable features of Hattiesburg include, Degrummond Children’s Literature Museum, Saenger Theater,  and the Zoo at Kamper Park.

Gulfport, MS

Gulfport cheap policy options for 30 & 45 y/o drivers.

If you want to find the cheapest premium in Gulfport then start by getting quotes from Unitrin, State Farm, and Alfa.

I queried each at $1,402, $1,465, and $1,490 per year for a 30 year old driver.

Which is 26% to 30% lower than the median rate of nearly $1,800 per year.

Mississippi Farm Bureau and Farmers offer low premium with quotes at $1,527 and $1,569 respectfully.

A 45 year old can find the least expensive quotes with Unitrin, State Farm, and Afla.

I queried each at $1,077, $1,119, $1,120 per year for full coverage.

Which is 24% to 27% lower than the “mean” quote for drivers of similar age and profile.

Mississippi Farm Bureau and Farmers are competitive with low quotes at $1,168 and $1,190 respectfully.

For the most savings it would be smart to include GEICO in you quest for a lower premium.

Gulfport Company30 Y/O Driver45 Y/O Driver
Unitrin$1,402$1,077
State Farm$1,465$1,119
Alfa$1,490$1,120
Mississippi Farm Bureau$1,527$1,168
Farmers$1,569$1,190
GEICO$1,609$1,203

Gulfport is the 2nd largest city in the state with approximately 68,000 residents. 

Gulfport was incorporated in 1898 with less than 1,000 residents.

It was previously a lumber and port city. The harbor in the area was completed and the Port of Gulfport was converted to a working seaport in 1902.

The area is known for the destruction and flooding caused by Hurricane Katrina in 2005.

The city is home to the Atlantic Fleet Navy Seabees.

Southaven, MS

Southaven affordable premium choices for 30 y/o drivers with Alfa, Unitrin, State Farm, & Mississippi Farm Bureau.

Drivers in Southaven can find the lowest quotes with Alfa, Unitrin, and State Farm.

I queried each at $1,360, $1,402, $1,444 per year for a 30 year old driver.

Which is over 24% lower than the median rate for drivers of similar profile.

Mississippi Farm Bureau and Farmers offer fairly competitive premiums with quotes at $1,521 and $1,580 respectfully.

A 45 year old can find the lowest quotes with Alfa and Unitrin.

I queried each at $980 and $1,038 respectfully per year for full coverage.

Which is nearly 30% lower than the “mean” quote for similar age drivers.

State Farm and Mississippi Farm Bureau offer quotes at $1,089 and $1,154 respectfully per year.

Which is 21% to 24% lower than the average premium.

For the most savings it would be smart to get quotes from all insurers illustrated.

Southaven Company30 Y/O Driver45 Y/O Driver
Alfa$1,360$980
Unitrin$1,402$1,038
State Farm$1,444$1,089
Mississippi Farm Bureau$1,521$1,154
Farmers$1,580$1,186
GEICO$1,621$1,198

The 3rd largest city in Mississippi is Southaven with approximately 49,000 residents.

It is considered a suburb of Memphis.

The city derived its name from being south of Whitehaven. Hence the name Southaven.

Incorporated at a city in 1980 it is the boy-hood of home of popular novelist John Grisham.

Today, Southaven is one of the fasted growing cities in southeastern United States.

Resources & Department of Motor Vehicles
Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
501 N. West Street, 1001 Woolfolk State Office Building, Jackson, MS 39201
(601) 359-3569
173 MS-15, Pontotoc, MS 38863
(662) 489-3232
​1755 Lelia Drive,
Suite 200
Jackson, MS 39216
601.987.3995
WebsiteWebsiteWebsite
Sources

http://www.iii.org/insurance-topics/auto-insurance

http://www.mid.ms.gov/consumers/auto-insurance.aspx

https://www.nationwide.com/mississippi-auto-insurance.jsp

https://www.farmers.com/mississippi/

https://www.libertymutual.com/auto/car-insurance-coverage/mississippi

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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