Best Car Insurance in Mississippi for 2026

Travelers and Farm Bureau lead Mississippi's best car insurance rankings, with Travelers at 4.66/5 for customer experience and Farm Bureau at 4.65/5 with rates from $33 a month.

Written by Mark Fitzpatrick

Updated: April 23, 2026

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Key Takeaways

Travelers and Farm Bureau are Mississippi's top-scoring insurers at 4.66/5 and 4.65/5. Travelers has the state's best customer experience score at 5/5; Farm Bureau is the most affordable, with the cheapest rates for adults, young drivers, seniors, speeding tickets, DUIs and old cars.

Farm Bureau has the cheapest young driver rate ($63 a month), cheapest senior rate ($41 a month) and cheapest speeding ticket rate ($40 a month) in Mississippi, and wins more driver profile categories than any other insurer in this analysis.

Allstate comes out ahead in nine of Mississippi's 10 most populous cities at 4.70/5, while Travelers is highest-rated in Pearl at 4.70/5. Allstate's city-level consistency reflects its competitive ZIP-level pricing across Mississippi's smaller cities.

HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN MISSISSIPPI

MoneyGeek analyzed quotes from seven Mississippi insurers across every ZIP code in the state. Mississippi is an at-fault state where Gulf Coast hurricane and flood exposure drives above-average comprehensive claims in the southern part of the state, and credit scoring is permitted here, meaning a driver's credit history affects rates.

Licensed insurance producers evaluated the at-fault liability system, Mississippi's weather-driven comprehensive claim risk and the near-tie at the top of the market between two very different types of insurers.

Affordability (60%): rate is the primary driver for most Mississippi drivers, given the state's below-average income levels.
Customer experience (30%): based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
Coverage options (10%): measures the range of optional coverages offered in Mississippi.

Best Car Insurance in Mississippi by Driver Profile

Farm Bureau has the cheapest rates for most Mississippi driver profiles, but Travelers is the better choice when service quality matters most and Safe Auto carries the lowest rates for bad-credit and low-income drivers.

Farm Bureau's composite score is 4.65/5, with a 5/5 affordability rating. It's the best and cheapest for adults at $33 a month, speeding at $40 a month, old cars at $24 a month, young drivers at $63 a month and seniors at $41 a month, more profile categories than any other Mississippi insurer.

Travelers leads at 4.66/5, the highest composite score, driven by its 5/5 customer experience score. It’s the best for DUI at $75 a month, best for accidents at $70 a month and best and cheapest for newer cars at $54 a month, where a reliable claims record matters most given Mississippi’s Gulf Coast hurricane and flood exposure.

Safe Auto isn't a featured option in MoneyGeek's scoring, but it carries the cheapest rates for bad credit at $89 a month and low income at $71 a month, and it's worth a direct quote for drivers in those profiles. For a complete rate breakdown, see cheapest car insurance in Mississippi.


Adult drivers (26-64), clean record	Farm Bureau	$33	$95
After a speeding ticket	Farm Bureau	$40	$108
Senior drivers (65+)	Farm Bureau	$41	$103
Young drivers (16-25)	Farm Bureau	$63	$147
After an at-fault accident	Travelers	$70	$144
Low income	Safe Auto	$71	$135
After a DUI	Travelers	$75	$156
Bad credit	Safe Auto	$89	$173

Mississippi allows credit scoring in auto insurance rating. Safe Auto's $89 a month bad-credit minimum is the cheapest option in the state for that profile, though drivers who prioritize service quality should compare Safeway's $93 a month best-scoring rate.

Best Overall and for Drivers With a DUI or Accident

Travelers

Travelers earns the highest composite score in Mississippi at 4.66/5, in a near-tie with Farm Bureau that comes down to service quality: it has a 5/5 customer experience score while Farm Bureau shows a higher affordability score. It provides the best results for DUI drivers ($75 per month minimum) and for drivers with an at-fault accident ($70 per month minimum), the profiles where claims interactions are most likely and where a reliable service record has the most practical value.

A 5/5 customer experience score is the highest of any insurer in the state. Its independent agent network averages above 4.5 stars across Google Business profiles that feed the scoring, and its NAIC complaint index runs below the industry baseline. In Mississippi, where Gulf Coast storms and tornado exposure can drive comprehensive claim volume, that service record matters for drivers who may file a weather-related claim.

It includes five optional coverages: accident forgiveness, new car replacement, gap insurance, rental reimbursement and rideshare coverage, the most complete set among the three featured Mississippi insurers.

Affordability (60%): 4.6/5
Customer Experience (30%): 5/5
Coverage Options (10%): 3.9/5

Don't pick Travelers if the lowest monthly rate across common profiles is the only priority. Farm Bureau’s adult, young driver, senior, speeding and DUI rates all come in lower than Travelers. Farm Bureau is the better fit for drivers without recent violations who want the lowest baseline rate.

Best Cheap for Young or Senior Drivers

Farm Bureau

With a 4.65/5 composite score, Farm Bureau sits behind Travelers, supported by a 5/5 affordability score and the lowest rates across most profiles. It has the lowest rates for adult drivers ($33 per month minimum), young drivers ($63 per month), senior drivers ($41 per month), speeding tickets ($40 per month), DUI ($65 per month), accidents ($49 per month) and old cars ($24 per month). That range of lowest-rate results is the most extensive among insurers in the state.

On customer experience, Farm Bureau ranks third with a 4.7/5 score, behind Travelers’ 5/5 and Progressive’s 4.7/5. Its local agent model and an established rural Mississippi presence support consistent claims responsiveness. It includes two optional coverages: roadside assistance and new car replacement.

This lineup is narrower than Travelers’ five optional coverages, which is the clearest trade-off against its lower rates. Drivers who need gap insurance, accident forgiveness or rideshare coverage will need to look elsewhere.

Affordability (60%): 5/5
Customer Experience (30%): 4.7/5
Coverage Options (10%): 2.5/5

Don't choose Farm Bureau if you need gap insurance, accident forgiveness or rideshare coverage. None are available. Travelers includes all three, and its 5/5 customer experience score makes it the better choice for drivers who expect to file claims.

Best Cheap for Drivers With Bad Credit or Low Income

Safe Auto Insurance

Safe Auto has the lowest rates for bad credit ($89 per month minimum) and low income ($71 per month minimum) in Mississippi. For drivers in those profiles who want the lowest possible rate, it delivers. Mississippi allows credit-based pricing, so bad-credit surcharges carry real weight, and its $89 per month bad-credit minimum is the lowest for that profile in the state.

On customer experience, it ranks below Travelers and Farm Bureau. Its service model focuses on non-standard coverage for higher-risk drivers. It includes two optional coverages: roadside assistance and rental reimbursement. This is the narrowest coverage lineup among the three featured insurers, with no gap insurance, no accident forgiveness and no rideshare coverage.

For drivers whose priority is the lowest bad-credit or low-income rate, it meets that need. For those who may file claims more often, Travelers’ higher rate comes with a more reliable service record.

Affordability (60%): 4.7/5
Customer Experience (30%): 3.4/5
Coverage Options (10%): 1.3/5

Don't pick Safe Auto if you need gap insurance, accident forgiveness or a reliable claims record. Travelers includes all three, and its DUI and accident rates, while higher than Farm Bureau’s lowest rates, come with a 5/5 customer experience score.

MONEYGEEK VERDICT

Travelers at 4.66/5 and Farm Bureau at 4.65/5 are nearly tied in Mississippi, with different strengths: Travelers for service quality and violation-profile best scores, Farm Bureau for the lowest rates across most common profiles.

For most Mississippi drivers without a recent violation, Farm Bureau's 5/5 affordability score and rate advantage make it the practical choice, but Travelers' service record is worth the rate premium for drivers who expect to file claims. Safe Auto is the cheapest option for bad-credit and low-income drivers, though with a narrower coverage offering.

Mississippi's Gulf Coast exposure means comprehensive coverage deserves attention, and Travelers' gap insurance and new car replacement options address that risk more completely than Farm Bureau's.

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Best Car Insurance in Mississippi by City

Mississippi's city-level results diverge from the statewide picture: Allstate scores 4.7/5 in nine of the ten most populous cities, while Travelers scores 4.7/5 in Pearl. Allstate's city-level strength reflects its competitive ZIP-level pricing in Mississippi's smaller cities, even though it places fourth in the statewide analysis.

Drivers should check Allstate alongside Travelers and Farm Bureau when getting city-level quotes. Biloxi runs notably higher at $73 per month compared to inland cities like Tupelo at $48 per month, a gap that reflects Gulf Coast hurricane and flood exposure in the southern part of the state.


Jackson	Allstate	4.7	$64
Gulfport	Allstate	4.7	$58
Southaven	Allstate	4.7	$54
Hattiesburg	Allstate	4.7	$51
Biloxi	Allstate	4.7	$73
Olive Branch	Allstate	4.7	$54
Tupelo	Allstate	4.7	$48
Meridian	Allstate	4.7	$51
Pearl	Travelers	4.7	$89
Greenville	Allstate	4.7	$51

All 10 of Mississippi's most populous cities are listed above. Gulf Coast cities like Biloxi run higher than inland cities, and rates vary by ZIP code within each city.

Summary: Best Overall Car Insurance Providers in Mississippi on Average

Travelers and Farm Bureau post the highest composite scores in Mississippi at 4.66/5 and 4.65/5, with the narrow gap showing how a different weighting could shift the outcome: Travelers has a 5/5 customer experience score while Farm Bureau’s affordability score is 5/5. Progressive and Allstate follow at 4.22/5 and 4.2/5.


Travelers	4.66	$80	1	5
Farm Bureau	4.65	$69	3	7
Progressive	4.22	$98	2	2
Allstate	4.2	$92	6	4
Shelter Insurance	4.12	$95	7	3

How to Find the Best Car Insurance in Mississippi

The difference between Farm Bureau at $33 per month and Allstate at $63 per month for minimum coverage in Mississippi is $360 per year, and Gulf Coast ZIP codes are well above the inland average.

1
Check Mississippi's minimum coverage requirements
Mississippi requires 25/50/25 liability coverage as a minimum. The state uses an at-fault system with no personal injury protection requirement. Check the cheapest car insurance options in Mississippi to find coverage that meets the legal minimum and compare rates by provider.
2
Factor in Gulf Coast weather exposure
Southern Mississippi has above-average hurricane and flood exposure, which drives above-average comprehensive claims in Gulf Coast ZIP codes. Comprehensive coverage matters for drivers in that region. Travelers includes new car replacement and gap insurance; Farm Bureau covers new car replacement.
3
Understand how credit scoring affects rates
Mississippi allows insurers to use credit history as a rating factor. Safe Auto is the cheapest option for bad-credit drivers at $89 per month in the state. Drivers in lower credit tiers should review low income car insurance in Mississippi for additional options.
4
Account for DUI and violation history
A DUI in Mississippi requires an SR-22 filing. Travelers has the highest composite score in the DUI category at $75 per month for minimum coverage, while Farm Bureau comes in at $65 per month for the lowest rate. Review SR-22 insurance in Mississippi for filing details and options.
5
Check bundle savings
Bundle home and auto insurance to reduce overall premium costs. If you have a home in Mississippi, find the best home and auto insurance in Mississippi to compare bundle options by provider.

Frequently Asked Questions About Car Insurance in Mississippi

Which company offers the cheapest car insurance in Mississippi?

Farm Bureau provides the cheapest minimum coverage for a clean-record adult at $33 per month in Mississippi. It also comes in lowest for seniors at $41 per month. For bad-credit drivers, Safe Auto has the lowest rate at $89 per month, while low-income drivers can find rates as low as $71 per month with the same provider.

What is the average cost of car insurance in Mississippi?

Mississippi rates run below the national average for most driver profiles. The average monthly premium across top insurers in the analysis ranges from $69 (Farm Bureau) to $98 (Progressive) for full coverage. Rates vary by ZIP code, driver profile and coverage level.

What car insurance is required in Mississippi?

Mississippi requires a minimum of 25/50/25 liability coverage. That means $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. Mississippi uses an at-fault system and does not require personal injury protection.

Is Mississippi a no-fault state?

No. Mississippi is an at-fault state. The driver determined to be responsible for an accident is liable for the resulting damages. Mississippi doesn't require personal injury protection coverage.

Does Mississippi allow credit scoring for car insurance?

Yes. Mississippi permits insurers to use credit history as a rating factor. Safe Auto is the cheapest option for bad-credit minimum coverage at $89 per month in the state. Drivers with poor credit will usually pay more than drivers with good credit for the same coverage level.

Which company has the best customer service for car insurance in Mississippi?

Travelers places first for customer experience in Mississippi at 5/5, while Farm Bureau comes in third at 4.7/5. Travelers’ customer experience score reflects a NAIC complaint index below the industry baseline and an independent agent network that averages above 4.5 stars on Google Business profiles.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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