Cheapest Car Insurance in Mississippi for 2026

In Mississippi, Farm Bureau is cheapest for minimum coverage ($39); Travelers is cheapest for full coverage ($104)

Find out if you're overpaying for car insurance in Mississippi and get the lowest rates below.

Updated: November 7, 2026

Advertising & Editorial Disclosure


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

Best Cheap Car Insurance for Full Coverage in Mississippi

For drivers looking for full coverage in Mississippi, Travelers is highly recommended at $104 a month. Travelers has the highest overall MoneyGeek score in the state at 4.66/5. Gulf Coast storms and tornadoes generate more comprehensive claims in Mississippi than in most states. Travelers' low complaint rate and high agent ratings mean drivers are more likely to get the car repaired promptly and the claim handled fairly. 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 the car is being repaired. Drivers who want to lower the rate further can enroll in IntelliDrive, a 90-day monitoring program that can reduce the premium 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

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. Travelers is the cheapest full-coverage carrier in Mississippi at $104 a month and also holds the highest MoneyGeek Score of 4.66/5. 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.

Getting the lowest price and the best rating from the same company doesn't happen often. Farm Bureau is just $4 more per month at $108, with a nearly identical 4.65/5 score. The choice is between Farm Bureau's local agent model and Travelers' broader coverage options. Shelter Insurance is the most expensive at $135 a month.


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 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 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 offers the cheapest car insurance for young adults at every age from 16 through 25, ending at $107 a month. No other carrier in this data beats those rates.


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

Best Cheap Car Insurance for Teens and Young Adults in Mississippi

Farm Bureau is the best cheap car insurance for Mississippi teen drivers aged 16 through 24. This insurer offers the lowest rates in this range and handles claims through local adjusters across the state, with 24/7 reporting available by phone or via the MOBILE Agent app. Farm Bureau's NAIC complaint index is below the national average of 1.0. That means fewer complaints about claims handling than most carriers of 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.

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

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 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.

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.

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 lowest-cost insurer 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 the cheapest after an at-fault accident at $136 a month, $28 above the clean-record baseline. After a DUI, Travelers is the 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 is the most affordable option 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.

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
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 the better move. 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
Bundle home and auto and reduce both premiums
Travelers and Farm Bureau both write home and auto policies in Mississippi. Bundling home and auto with the same company reduces each premium.
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
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
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, 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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

Read Full Bio »