Car Insurance in Mississippi
With No Deposit/No Down Payment.
Introduction: Car Insurance in Mississippi
Mississippi has over 2.1 million licensed drivers, making car insurance a crucial requirement for residents. Whether you’re commuting through Jackson’s busy streets, driving along the Gulf Coast, or navigating rural highways, car insurance in Mississippi is legally required and provides financial security.
Mississippi has higher-than-average car insurance rates due to uninsured drivers and frequent severe weather events. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Mississippi is $1,701, slightly above the national average of $1,674.
Mississippi Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the Mississippi Insurance Department (MID), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $25,000 for property damage per accident
Why Minimum Coverage May Not Be Enough:
- Medical costs from an accident can exceed $25,000 per person.
- Vehicle repairs often surpass $25,000, especially for newer models.
- Mississippi has one of the highest uninsured driver rates, making Uninsured/Underinsured Motorist (UM/UIM) coverage highly recommended.
Recommended Full Coverage for Better Protection
Many Mississippi drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Mississippi’s hurricanes and storms |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential due to Mississippi’s high uninsured rate |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers with limited health insurance |
Average Cost of Car Insurance in Mississippi
Car insurance rates in Mississippi vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Mississippi Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $713 |
| Full Coverage | $1,701 |
Car Insurance Costs by Major Mississippi Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Jackson | $1,000 | $2,200 |
| Gulfport | $950 | $2,100 |
| Hattiesburg | $920 | $2,000 |
| Biloxi | $970 | $2,150 |
| Southaven | $930 | $2,050 |
| Tupelo | $900 | $1,950 |
| Meridian | $910 | $1,980 |
| Olive Branch | $920 | $2,000 |
| Greenville | $880 | $1,900 |
| Oxford | $890 | $1,920 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $4,200 – $6,000 | $7,500 – $9,500 |
| 20-24 Years | $2,300 – $3,400 | $4,800 – $6,500 |
| 25-34 Years | $1,500 – $2,200 | $3,400 – $4,500 |
| 35-44 Years | $1,300 – $1,900 | $3,100 – $4,200 |
| 45-54 Years | $1,200 – $1,800 | $2,900 – $4,000 |
| 55+ Years | $1,100 – $1,600 | $2,700 – $3,800 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Mississippi
Several factors influence car insurance rates in Mississippi, including:
- High Uninsured Motorist Rate: Nearly 30% of drivers in Mississippi are uninsured, increasing costs for insured drivers.
- Severe Weather Risks: Hurricanes, flooding, and storms contribute to higher claim rates.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact premiums.
- Location: Urban areas like Jackson and Gulfport have higher rates due to congestion and theft.
- Credit Score: Mississippi insurers use credit history to determine premiums.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
Best Car Insurance Companies in Mississippi (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,650 |
| State Farm | Best for Customer Service | $1,700 |
| Progressive | Best for High-Risk Drivers | $1,850 |
| Allstate | Best Full Coverage Options | $2,050 |
| USAA (Military Families) | Lowest Rates for Military | $1,500 |
Get a Free Car Insurance Quote with AtoZ Insurances!
Finding affordable car insurance in Mississippi is easier than ever. Compare multiple providers and get the best rates tailored to your needs.
✅ Compare quotes in minutes
✅ Unlock exclusive discounts
✅ Find the right coverage for you
💰 Don’t overpay! Get your FREE quote today with AtoZ Insurances!
FAQs
Mississippi law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $59 per month, while full coverage averages $142 per month.
Smaller cities like Oxford and Greenville tend to have lower rates compared to Jackson and Biloxi.
No, Mississippi does not require uninsured motorist coverage, but it is highly recommended due to the high number of uninsured drivers.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.