Best Car Insurance in Mississippi

Travelers ranks as Mississippi's best overall car insurance provider and leads our list for drivers with DUIs or accidents. Coverage options earn 3.9 out of 5. You'll find liability, collision and comprehensive policies, plus pet injury protection, custom parts coverage, gap insurance, roadside assistance and rental reimbursement. The IntelliDrive program cuts your premium up to 20% after 90 days of safe driving — important given Mississippi's high traffic fatality rates.

Customer service earns 5.0 out of 5, first in the state. Report claims anytime through the mobile app, which also lets you manage your policy and pay bills. Local agents handle coastal damage and weather claims quickly. Some customers report longer wait times than competitors, but claims get processed fast.

Post-accident drivers pay $107 monthly ($1,286 annually). DUI rates hit $115 per month ($1,386 yearly). Newer cars cost $80 monthly ($955 annually). Travelers offers comprehensive coverage with competitive rates for high-risk drivers.

Read more: Travelers Car Insurance Review

Farm Bureau offers Mississippi's cheapest rates for young drivers, adults, seniors, drivers with speeding tickets and older vehicle owners. Young drivers pay $105 monthly ($1,255 annually). Adults pay $64 monthly ($771 annually). Seniors average $72 monthly ($867 annually). Older cars cost just $44 monthly ($534 annually). Farm Bureau scores 5.0 out of 5 for affordability, ranking first statewide.

Coverage extends beyond liability, collision and comprehensive insurance. You get rental car expenses, emergency roadside assistance and accidental death and dismemberment insurance. Farm Bureau covers Mississippi-specific risks like storm damage and theft. The coverage score of 2.5 out of 5 ranks seventh in the state, below average compared to competitors. Our Farm Bureau Car Insurance Review has more details on policy flexibility.

Customer experience earns 4.7 out of 5, third among Mississippi insurers. Customers report responsive claims handling and a user-friendly mobile app. Local agents understand Mississippi's weather patterns and driving conditions. You can report claims 24/7.

Safe Auto offers Mississippi's cheapest rates for drivers with bad credit or low income. Average premiums run $95 monthly and $1,136 annually. Bad credit drivers pay around $139 monthly ($1,665 annually). Low-income drivers pay approximately $112 monthly ($1,346 annually). Safe Auto scores 4 out of 5 for affordability, ranking 10th statewide.  

Coverage includes uninsured motorist protection, medical payments, gap insurance, pet injury coverage, towing and labor assistance, and rental reimbursement. The coverage score of 2.5 out of 5 ranks below competitors. Safe Auto provides 24/7 customer service and flexible payment options.  

Customer experience scores 3.3 out of 5. The claims process is straightforward, but some customers report slower response times than competitors. The mobile app handles policy viewing and claim filing. Safe Auto works for drivers who need cheap rates more than premium service.

Read more: Safe Auto Car Insurance Review