Cheapest Car Insurance in Mississippi for 2026

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Updated: July 9, 2026

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Farm Bureau is the cheapest car insurance company in Mississippi for minimum coverage at $39 a month. Travelers is the cheapest for full coverage at $104 a month. Farm Bureau also leads as the most affordable provider for teen drivers from age 16 through 24, seniors at $91 a month, speeding tickets and texting while driving violations at $115 a month, at-fault accidents at $136 a month and 19 of Mississippi's 20 largest cities. Travelers takes over for full coverage, age-25 males and DUI at $155 a month. For bad credit, Safe Auto Insurance is cheapest at $198 a month.

For coverage and service ratings alongside rates, see the best car insurance in Mississippi.

Minimum Coverage
Farm Bureau
$39
4.65/5
Full Coverage
Travelers
$104
4.66/5
16-Year-Old Male
Farm Bureau
$214
4.65/5
16-Year-Old Female
Farm Bureau
$191
4.65/5
Young Adults
Travelers
$119
4.66/5
Seniors (70+)
Farm Bureau
$91
4.65/5
Speeding ticket
Farm Bureau
$115
4.65/5
At-fault accident
Farm Bureau
$136
4.65/5
DUI
Travelers
$155
4.66/5
Bad credit
Safe Auto Insurance
$198
3.67/5
Travelers

Travelers

Best Cheap Car Insurance for Full Coverage in Mississippi

With the highest MoneyGeek score in Mississippi at 4.66/5 and full coverage at $104 a month, Travelers is the best-rated and lowest-priced full coverage option in the state. On claims, Travelers scores below the 1.0 national average on the NAIC complaint index. That means fewer complaints about claims handling than most carriers its size, a direct measure of what Mississippi drivers can expect when they file. Beyond standard collision and comprehensive, Travelers offers gap insurance for financed vehicles, Premier New Car Replacement for cars totaled in the first five years, accident forgiveness through its Responsible Driver Plan and rental reimbursement while your car is being repaired. Drivers who want to lower the $104 rate further can enroll in Travelers' IntelliDrive program, which can reduce the rate by up to 30% at renewal. Rates, scores and coverage details are at the Travelers car insurance review.

Cheapest Car Insurance by Coverage Type in Mississippi

Travelers
$54
$104
4.66/5
Farm Bureau
$39
$108
4.65/5
Allstate
$66
$128
4.20/5
Progressive
$49
$130
4.22/5
Shelter Insurance
$61
$135
4.13/5

Cheapest Minimum Coverage in Mississippi

Farm Bureau offers the cheapest minimum coverage in Mississippi at $39 a month. Progressive is next at $49 a month, and Travelers charges $54 a month. Worth noting: Travelers is more expensive than Farm Bureau for minimum coverage but cheaper for full coverage at $104 a month. If you're deciding between carriers, your coverage level affects which one to choose.

Cheapest Full Coverage in Mississippi

Travelers is the cheapest full coverage carrier in Mississippi at $104 a month and also holds the highest MoneyGeek Score at 4.66/5. Getting the lowest price and the strongest rating from the same company doesn't happen often. Farm Bureau is just $4 a month more at $108 a month with a nearly identical 4.65/5 score. The real choice is between Farm Bureau's local agent model and Travelers' broader coverage options. Shelter Insurance is the most expensive at $135 a month.

How to Choose Between Minimum and Full Coverage in Mississippi

Full coverage costs $65 more a month than minimum coverage in Mississippi. That's $780 a year for the protection that pays for your own vehicle in a crash you cause. Mississippi is an at-fault state, so without it, you're covering your own repairs out of pocket. Drivers with a loan or lease have no choice. Lenders require full coverage. If you own your car outright and it's worth less than $12,500, dropping to minimum may save you more annually than you'd recover from a claim. Use the Mississippi car insurance calculator to run the numbers for your vehicle.

Cheapest Car Insurance for Teens and Young Adults in Mississippi

Farm Bureau is the cheapest carrier for teen drivers in Mississippi from age 16 through 24. A 16-year-old male pays $214 a month, and a 16-year-old female pays $191. The one transition to plan for: when a male driver turns 25, Travelers drops to $119 a month while Farm Bureau remains at $125. That $6 difference also comes with a real improvement in service quality. Travelers' 4.28/5 customer experience score is 0.39 points above Farm Bureau's 3.89/5. For female drivers, Farm Bureau is the cheapest at every age from 16 through 25, ending at $107 a month. No other carrier in this data beats those rates. For more provider options for young adult drivers, see cheapest car insurance for young adults.

16
Farm Bureau
$191
Farm Bureau
$214
17
Farm Bureau
$172
Farm Bureau
$193
18
Farm Bureau
$158
Farm Bureau
$177
19
Farm Bureau
$146
Farm Bureau
$164
20
Farm Bureau
$136
Farm Bureau
$153
21
Farm Bureau
$128
Farm Bureau
$144
22
Farm Bureau
$122
Farm Bureau
$137
23
Farm Bureau
$116
Farm Bureau
$130
24
Farm Bureau
$111
Farm Bureau
$125
25
Farm Bureau
$107
Travelers
$119
Mississippi Farm Bureau

Mississippi Farm Bureau

Best Cheap Car Insurance for Teens and Young Adults in Mississippi

Farm Bureau is the best cheap car insurance for Mississippi teen drivers from age 16 through 24, offering the lowest rates in this range while handling claims through local adjusters across the state with 24/7 reporting available by phone or through the MOBILE Agent app. Farm Bureau's NAIC complaint index is below the 1.0 national average, meaning fewer complaints about claims handling than most carriers its size. For teens specifically, Farm Bureau offers a good student discount for drivers maintaining a B average and a safe young driver discount for completing an approved safety program. Farm Bureau also runs its DriveDown program, which rewards safe driving by reducing the deductible over time rather than lowering the base rate. A full overview of Farm Bureau's coverage and ratings is at its Mississippi Farm Bureau car insurance review.

Cheapest Car Insurance for Seniors in Mississippi

Farm Bureau is the cheapest senior company in Mississippi at $91 a month, $16 less than Travelers at $107. Farm Bureau's $91 rate is also $13 below the cheapest adult full coverage rate in the state. Travelers scores 4.28/5 for customer experience against Farm Bureau's 3.89/5, a 0.39-point difference for $192 a year. Seniors who expect to file a claim should consider whether that service quality difference is worth $16 a month. Seniors who choose Travelers can lower that $107 rate through IntelliDrive, a telematics program that rewards low-mileage and safe driving at renewal.

Farm Bureau
$91
3.89/5
Travelers
$107
4.28/5
Progressive
$108
3.90/5
Shelter Insurance
$126
3.40/5
Nationwide
$139
3.60/5
Mississippi Farm Bureau

Mississippi Farm Bureau

Best Cheap Car Insurance for Seniors in Mississippi

Farm Bureau is the best cheap car insurance for seniors in Mississippi at $91 a month, the lowest senior rate in the state. Farm Bureau is a Mississippi-only carrier that operates through local agents and handles claims through local adjusters rather than a national call center. That matters on the Gulf Coast, where hurricanes and hail are real risks. Seniors can reach someone who knows the area and the damage patterns, not just a generic representative. Seniors who drive safely can ask their local Farm Bureau agent about the claim-free discount. Completing an approved defensive driving course qualifies for a separate discount. A full overview of Farm Bureau's coverage and ratings is at its Mississippi Farm Bureau car insurance review.

Cheapest Car Insurance by City in Mississippi

Farm Bureau is the cheapest option in 19 of Mississippi's 20 largest cities, with minimum coverage ranging from $28 a month in Starkville to $48 a month in Pearl. That $20 range across cities is less than the $31 difference between the cheapest and most expensive full coverage company statewide. Choosing the right company matters more than where you live.

Natchez is the only exception: Allstate prices minimum coverage at $38 there, $1 below Farm Bureau. In every other city, Farm Bureau is the first company to quote for minimum coverage. Mississippi's uninsured driver rate of 28.2% is the highest in the country.

Starkville
Farm Bureau
$28
Tupelo
Farm Bureau
$30
Meridian
Farm Bureau
$32
Greenville
Farm Bureau
$33
Oxford
Farm Bureau
$33
Brandon
Farm Bureau
$34
Madison
Farm Bureau
$34
Ridgeland
Farm Bureau
$35
Clinton
Farm Bureau
$36
Hattiesburg
Farm Bureau
$36
Olive Branch
Farm Bureau
$36
Pascagoula
Farm Bureau
$36
Southaven
Farm Bureau
$36
Vicksburg
Farm Bureau
$36
Horn Lake
Farm Bureau
$38
Natchez
Allstate
$38
Biloxi
Farm Bureau
$39
Gulfport
Farm Bureau
$39
Jackson
Farm Bureau
$40
Pearl
Farm Bureau
$48

Cheapest Car Insurance for High-Risk Drivers in Mississippi

Farm Bureau is the cheapest option after a speeding ticket or texting while driving violation at $115 a month, $7 above its clean-record rate of $108. Farm Bureau is also cheapest after an at-fault accident at $136 a month, $28 above the clean-record baseline. After a DUI, Travelers is cheapest at $155 a month. Travelers handles the required SR-22 filing directly with the Mississippi Department of Public Safety. Mississippi requires the SR-22 for three years from the reinstatement date. If the policy lapses, that three-year period starts over.

For bad credit, Safe Auto Insurance is cheapest at $198 a month. Safe Auto specializes in high-risk drivers but has a low service rating at 2.32/5. Once credit improves, switching to Travelers at $104 a month recovers up to $94 a month, or $1,128 a year.

Speeding Ticket
Farm Bureau
$115
3.89/5
At-Fault Accident
Farm Bureau
$136
3.89/5
DUI
Travelers
$155
4.28/5
Texting While Driving
Farm Bureau
$115
3.89/5
Bad Credit
Safe Auto Insurance
$198
2.32/5

How to Get Cheaper Car Insurance in Mississippi

Most Mississippi drivers can lower their car insurance cost without changing their coverage. The biggest factor is which company you choose. Switching from the most expensive to the cheapest saves $31 a month, or $372 a year. Choosing minimum over full coverage saves another $65 a month where the vehicle value supports it. Violations, credit and discount programs each affect the rate beyond those two decisions. The steps below walk through each one.

  1. 1
    Compare at least three Mississippi insurers and save up to $31 a month

    Travelers charges $104 a month for full coverage in Mississippi. Shelter Insurance charges $135. The $31 difference is $372 a year for the same coverage. Get quotes from Travelers, Farm Bureau and at least one other company before renewing. If you haven't compared quotes in the last two years, there's a good chance you're paying more than you need to.

  2. 2
    Match your coverage level to your vehicle's value and save $65 a month

    Full coverage costs $65 more a month than minimum coverage in Mississippi. That's $780 a year. A common rule of thumb: if your annual premium exceeds 10% of the car's value, dropping to minimum is worth considering. Farm Bureau's minimum coverage at $39 a month is the cheapest starting point. Use the Mississippi car insurance calculator to check whether the math works for your vehicle.

  3. 3
    Bundle home and auto and reduce both premiums

    Travelers and Farm Bureau both write home and auto policies in Mississippi. Bundling both with the same company reduces each premium. Confirmed bundle rates and savings are at best home and auto bundle.

  4. 4
    Get new quotes when your violation ages off and recover up to $28 a month

    An at-fault accident adds $28 a month to Farm Bureau's rate in Mississippi, from the $108 clean-record baseline to $136. Most insurers apply the surcharge for up to three years from the violation date. Get new quotes when that three-year window closes. Don't wait for your insurer to lower the rate automatically.

  5. 5
    Improve your credit score before renewal and recover up to $94 a month

    Mississippi permits credit scoring for insurance. Safe Auto Insurance charges $198 a month for poor credit. Travelers charges $104 a month for good credit. The difference is $94 a month, or $1,128 a year. Improve your credit before a renewal date. Then get new quotes at Travelers or Farm Bureau. That difference shows up at the next renewal.

  6. 6
    Use named discount programs from Mississippi's cheapest insurers

    All three of the cheapest companies in Mississippi offer a program that can lower your rate beyond what the base quote shows. Each works differently, so check which one fits your driving habits before enrolling.

    • Travelers IntelliDrive: 90-day monitoring period. Can lower your rate at renewal. Poor driving behavior can raise your rate. Confirm availability with your agent.
    • Farm Bureau DriveDown: Tracks driving behavior and can lower your deductible over time rather than the base rate. Contact a local Mississippi Farm Bureau agent for current program details and eligibility.
    • Allstate Drivewise: Tracks driving behavior and can lower rates based on safe driving. Surcharges are possible for poor driving. Confirm current discount levels with your Allstate agent.

MoneyGeek sourced rates from Quadrant Information Services, collected from insurance company filings with the Mississippi Insurance Department across all residential ZIP codes in Mississippi. These are filed rates, not online quote estimates.

The baseline driver is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage uses 100/300/100 liability with a $1,000 deductible. Minimum coverage reflects Mississippi's required 25/50/25 limits with no collision or comprehensive. Profile variations include young drivers ages 16 to 25 on standalone policies split by gender, a 70-year-old senior driver, violation profiles with one variable changed at a time, and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison. Safe Auto Insurance, which appears in the bad credit row, specializes in high-risk drivers.

Mississippi is an at-fault state under pure comparative fault (Miss. Code Ann. Section 11-7-15). A DUI conviction requires SR-22 filing with the Mississippi Department of Public Safety for three years from the reinstatement date. A policy lapse restarts that period from zero. UM/UIM coverage is not required but must be offered. Drivers who reject it must do so in writing. Mississippi's uninsured driver rate is 28.2% as of 2023, the highest in the country. Credit and gender are both permitted rating factors. Mississippi does not use a points system.

MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits). The Overall MoneyGeek Score shown in summary tables reflects this composite. Customer experience sub-scores shown in section-level tables reflect the customer experience component only and differ from the overall score.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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