Travelers is the best car insurance company in Mississippi, earning a MoneyGeek score of 4.66 out of 5 for its strong customer service, competitive rates and solid coverage options. Since insurance needs vary by individual, we also recommend considering Farm Bureau, Progressive, Allstate and Shelter.
Best Car Insurance in Mississippi
Updated: August 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Mississippi is Travelers, ranking first in customer experience.
Safeway offers the best coverage for drivers with bad credit in Mississippi, while Travelers stands out for those with newer cars.
To secure the best insurance rates in Mississippi, decide on your coverage needs first, research provider costs and compare plenty of quotes from multiple companies.
Best Car Insurance Companies in Mississippi
| Travelers | 4.66 | $80 | 1 | 5 |
| Farm Bureau | 4.65 | $69 | 3 | 7 |
| Progressive | 4.22 | $98 | 2 | 2 |
| Allstate | 4.20 | $92 | 6 | 4 |
| Shelter | 4.13 | $95 | 7 | 3 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Mississippi by Driver Profile
Farm Bureau leads in six out of ten driver categories in Mississippi, including young, adult and senior drivers. Travelers excels in three categories, while Safeway and Shelter each win one category for bad credit and low-income drivers respectively.
| Young Drivers | Farm Bureau | 1 | 3 | 7 |
| Adult Drivers | Farm Bureau | 1 | 3 | 7 |
| Senior Drivers | Farm Bureau | 1 | 3 | 7 |
| Drivers With an Accident | Travelers | 4 | 1 | 5 |
| Drivers With a DUI | Travelers | 3 | 1 | 5 |
| Drivers With a Speeding Ticket | Farm Bureau | 1 | 3 | 7 |
| Drivers With Bad Credit | Safeway | 2 | 8 | 7 |
| Drivers With Low Income | Shelter | 2 | 7 | 3 |
| Drivers With Newer Cars | Travelers | 1 | 1 | 5 |
| Drivers With Old Cars | Farm Bureau | 1 | 3 | 7 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Mississippi Car Insurance Recommendations
Our general recommendations might not match your specific needs and profile. Compare our top five insurance providers below to find coverage that fits your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.70 | $283 | 1 | 5 |
| Shelter | 4.68 | $227 | 7 | 3 |
| Farm Bureau | 4.61 | $228 | 3 | 7 |
| Progressive | 4.55 | $335 | 2 | 2 |
| Safeway | 4.45 | $216 | 8 | 7 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Mississippi Car Insurance Reviews
See detailed service comparisons for our top-rated providers below.
Travelers
Best Customer Experience in Mississippi
MoneyGeek Rating
4.7/ of 5
4.6/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$105For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$54For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Farm Bureau
Best Cheap Overall in Mississippi
MoneyGeek Rating
4.7/ of 5
5/5Affordability
4.7/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$102For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$37For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Livestock Protection
How to Find the Best Car Insurance in Mississippi
Shopping for car insurance in Mississippi can be challenging. We've created this guide to help you find coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Mississippi required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Mississippi to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs, and good student discounts. Taking a defensive driving program can also lead to additional savings on your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews and claims handling processes. Examine available add-ons and extra coverage options to find a provider that suits your needs.
- 4
Consider non-standard coverage options
Explore alternatives like non-owner car insurance and pay-per-mile policies that might better suit your specific situation. If you need an SR-22 in Mississippi, be sure to factor this into your provider selection.
- 5
Compare plenty of quotes through multiple means
Shopping around is crucial to finding the cheapest option possible. Get and compare rates using quotes from independent agents, direct from providers and online comparison tools.
- 6
Reassess annually
Review your coverage and compare rates annually to make sure you have the best deal for coverage and cost.
Best Mississippi Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Farm Bureau and Progressive are also good options for drivers in Mississippi.
Best Auto Insurance in Mississippi: FAQ
Finding the right car insurance depends on your personal needs, so we've gathered expert answers to help you choose coverage that fits your situation.
What is the best car insurance company in Mississippi?
Travelers stands as Mississippi's leading car insurance provider with full coverage plans averaging $105 per month.
What is the best car insurance company for minimum coverage in Mississippi?
Farm Bureau leads for minimum coverage in Mississippi with an average rate of $444 per year.
What is the best car insurance in Mississippi for young drivers?
Farm Bureau provides excellent car insurance for young adults in Mississippi, combining competitive rates around $753 per year for minimum coverage with quality customer service.
What is the best car insurance for Mississippi drivers who value customer service?
Travelers ranks highest for customer experience in Mississippi with a score of 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling processes.
What is the best car insurance in Mississippi if you have driving offenses?
Farm Bureau leads insurance options in Mississippi for drivers with a speeding ticket, charging $40 per month for minimum coverage and $108 for full coverage policies.
How We Rated the Best Car Insurance in Mississippi
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Mississippi. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Mississippi. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Mississippi-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.