We analyzed rates and coverage across Mississippi and found no single carrier wins for every driver. The best car insurance in Mississippi shifts based on driving history, location, and how much coverage you need.
Best Car Insurance in Mississippi for 2026
Updated: June 3, 2026
Advertising & Editorial Disclosure
Our Experience Reviewing Mississippi's Top Car Insurers
Travelers: Best OverallThe top-ranked carrier in Mississippi is Travelers, with a 4.69/5 MoneyGeek score. It has a perfect 5/5 customer experience score and a second-place ranking in affordability. Full coverage averages $105/month for a clean-record adult driver, 39% below the Mississippi average of $172/month. Travelers ranks first on customer experience. Its coverage options score of 3.93/5 ranks fifth. Drivers seeking the most add-on options may want to compare Progressive.
Mississippi Farm Bureau: Best for AffordabilityAt $95/month for full coverage, Mississippi Farm Bureau has the lowest rate in the state. This is $77 below the state average of $172/month. Minimum coverage averages $396/year, also the lowest in the state. The 4.65/5 MoneyGeek score and first-place affordability rank is due to its affordable pricing across multiple driver profiles. Its agent network reaches rural Mississippi counties where national carriers have a thinner footprint. The coverage options score of 2.50/5 ranks seventh overall, the narrowest selection among the top five. Drivers who want a wide coverage lineup will find more options elsewhere.
Progressive: Best for Coverage OptionsProgressive ranks second on customer experience (4.68/5) and second on coverage options (4.82/5). It has a MoneyGeek score of 4.36/5. Full coverage averages $121/month for a clean-record adult driver, 30% below the Mississippi average. Progressive's telematics program (Snapshot) and rideshare endorsement make it a strong fit for gig-economy drivers and younger adults. On affordability, Progressive ranks fourth. Drivers who want low-cost coverage will find better rates from Mississippi Farm Bureau and Travelers.
Allstate: Best Alternative for Add-onsAllstate ranks fourth in Mississippi, with a 4.05/5 MoneyGeek score. The carrier's coverage options score of 4.11/5 also ranks fourth. Accident forgiveness and new car replacement set Allstate apart from Mississippi Farm Bureau and Travelers. Drivers with newer vehicles who want those two features without paying Progressive's prices will find Allstate the next-best option. Allstate ranks sixth on affordability. Drivers who prioritize price will find lower rates at Farm Bureau ($95/month) or Travelers ($105/month).
Shelter: Best for Regional NetworkWhat distinguishes Shelter in Mississippi is its regional footprint. The agent network reaches smaller markets and rural counties where some national carriers have less presence. Shelter has a 4.04/5 MoneyGeek score and ranks fifth in Mississippi, with the third-highest coverage options score (4.46/5). It ranks seventh in both affordability and customer experience. Drivers who prioritize price or claims satisfaction will find better options at Travelers or Mississippi Farm Bureau. Shelter suits drivers who want a local agent and a broader selection of add-ons than what the Mississippi Farm Bureau offers.
Best Car Insurance Companies in Mississippi: Scores and Methodology
Travelers | 4.69/5 | 2 | 1 | 5 |
Mississippi Farm Bureau | 4.65/5 | 1 | 3 | 7 |
Progressive | 4.36/5 | 4 | 2 | 2 |
Allstate | 4.05/5 | 6 | 6 | 4 |
Shelter Insurance | 4.04/5 | 7 | 7 | 3 |
Why You Can Trust MoneyGeek's Mississippi Ratings
MoneyGeek evaluated 10 insurance companies in Mississippi, including national carriers and Southeast regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek doesn't receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%): Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male driver with good credit, a clean driving record, and no prior claims. Quotes covered full coverage at 100/300/100,000 limits with a $1,000 comprehensive and collision deductible, plus Mississippi-minimum coverage. Additional quotes covered young drivers and senior drivers. Driver profiles with violations were also tested, including DUI convictions, at-fault accidents, and speeding tickets, to measure how each carrier prices each category. Affordability scores reflect the carrier's performance across all of these driver profiles, with a baseline adult-driver clean-record rate weighted most heavily.
Customer experience (30%): Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10%): Coverage scoring measures each provider's range of coverage types and Mississippi-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments / PIP, comprehensive, collision) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under Mississippi law are excluded from the score for all carriers.
Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Mississippi's mandatory 25/50/25 liability limits, without UM, UMPD, comprehensive, collision, or MedPay.
Mississippi is a tort state with no PIP mandate; first-party medical is optional MedPay. UM is mandatory offer, with Mississippi's UM statute defining 'uninsured motorist' to include underinsured motorists (no separate UIM coverage). UMPD is mandatory offer-reject with a $200 deductible.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Mississippi:
- Travelers and Mississippi Farm Bureau are 0.04 points apart overall (4.69 vs. 4.65). The scores show different strengths: Travelers ranks first in customer experience and second in affordability; Mississippi Farm Bureau ranks first in affordability and third in customer experience.
- Progressive has a 0.31-point advantage over Allstate (4.36 vs. 4.05). Progressive ranks second on coverage options and second on customer experience, with a 4.68/5 customer experience score. Allstate's customer experience score is 4.39/5, and it ranks fourth on both customer experience and coverage options.
- Shelter's affordability score of 3.86/5 ranks seventh. Its coverage options score of 4.46/5 ranks third, which means a broader add-on lineup than Mississippi Farm Bureau and Travelers.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN MISSISSIPPI
Mississippi follows pure comparative negligence: damages are reduced in proportion to each driver's share of fault, with no minimum fault threshold required to recover. Its uninsured motorist statute differs from most states'. Mississippi defines uninsured motorist (UM) to include underinsured motorists (UIM), so there is no separate UIM category. One UM limit covers both.
Best Mississippi Car Insurance Company Ratings
Travelers
Best Overall in Mississippi
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
5/5Customer Experience
3.9/5Coverage Points
Average Monthly Full Coverage Rate
$105Average Monthly Minimum Coverage Rate
$55J.D. Power Auto Insurance Study Score
606
Mississippi Farm Bureau
Best for Affordability in Mississippi
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.7/5Customer Experience
2.5/5Coverage Points
Average Monthly Full Coverage Rate
$95Average Monthly Minimum Coverage Rate
$33J.D. Power Auto Insurance Study Score
Not Rated
Progressive
Best for Coverage Options in Mississippi
MoneyGeek Rating
4.4/ 5
4.1/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Full Coverage Rate
$121Average Monthly Minimum Coverage Rate
$46J.D. Power Auto Insurance Study Score
645
Allstate
Best Alternative for Coverage Variety in Mississippi
MoneyGeek Rating
4.0/ 5
3.9/5Affordability
4.4/5Customer Experience
4.1/5Coverage Points
Average Monthly Full Coverage Rate
$129Average Monthly Minimum Coverage Rate
$65J.D. Power Auto Insurance Study Score
654
Shelter Insurance
Best for Regional Network in Mississippi
MoneyGeek Rating
4.0/ 5
3.9/5Affordability
4.3/5Customer Experience
4.5/5Coverage Points
Average Monthly Full Coverage Rate
$129Average Monthly Minimum Coverage Rate
$58J.D. Power Auto Insurance Study Score
665
Rates at Mississippi's Best Car Insurance Companies
Mississippi's full coverage state average is $172/month, below the national average of $216. Minimum coverage averages $58/month in Mississippi vs. $61/month nationally. Farm Bureau is the lowest-priced carrier in Mississippi's top five at $95/month for full coverage, 45% below the state average of $172/month.
$95 | $33 | 45% | |
$105 | $55 | 39% | |
$121 | $46 | 30% | |
$129 | $65 | 25% | |
$129 | $58 | 25% | |
Mississippi Average | $172 | $58 | — |
National Average | *$216* | *$61* | — |
Mississippi rates vary by location and driver profile. Jackson has the highest urban premiums in the state due to its high traffic density and vehicle theft rates. Gulfport and Biloxi may have higher average rates due to hurricane exposure, while rural Mississippi counties and the Delta region prices are often below the state average. A carrier that prices competitively for a Jackson ZIP won't necessarily do so for a rural Issaquena or Sharkey County ZIP. Use the Mississippi car insurance calculator to estimate where your profile and ZIP code land.
Coverage Options at Mississippi's Best Car Insurance Companies
Every Mississippi policy starts with 25/50/25 bodily injury liability and property damage liability. Mississippi is a tort state with no personal injury protection (PIP) mandate; Medical payments coverage (MedPay) is optional. Uninsured motorist coverage is mandatory; limits should be at least equal to liability requirements.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✗ | ✗ | ✓ | ✓ | ✓ |
New car replacement | ✗ | ✓ | ✗ | ✓ | ✗ |
Rideshare coverage | ✗ | ✗ | ✓ | ✓ | ✗ |
Gap insurance | ✗ | ✗ | ✓ | ✗ | ✗ |
Custom parts coverage | ✗ | ✗ | ✓ | ✓ | ✓ |
Coverage total | 8/13 | 9/13 | 12/13 | 12/13 | 10/13 |
Comprehensive coverage may be of value to many drivers in Mississippi. Jackson metro vehicle theft generates comprehensive claims at a higher rate than any other market in the state. Gulf Coast hurricane exposure is shaped by storms. Statewide tornado risk extends across Mississippi's southern reach of Tornado Alley. Delta and Mississippi/Pearl River flooding adds seasonal exposure. Hail damage and deer collisions are common across rural counties. Comprehensive protects against losses that collision coverage doesn't. All top five carriers offer comprehensive and collision insurance.
Mississippi's uninsured motorist coverage works differently from most states. For policies issued after July 1, 2025, UM bodily injury limits automatically match the bodily injury liability limits in the policy. The named insured can select lower limits in writing, but not below the state minimum of 25/50/25. UMPD limits follow the same structure, automatically matching property damage liability limits, with a $200 deductible on property damage claims. The statute defines uninsured motorist to include underinsured motorists, so one UM limit covers both. All carriers in the top five ranking offer UM coverage.
Progressive's Snapshot telematics program is the most distinctive add-on available from a top-five Mississippi carrier. Snapshot tracks driving behavior and mileage, then adjusts premiums based on what it records. Rural Mississippi drivers and those in Delta counties and smaller markets who log fewer miles can get the most out of it. Higher baseline exposure in urban ZIPs limits how much Snapshot can reduce a premium there.
How to Use These Rankings to Find Your Best Mississippi Carrier
The right Mississippi carrier depends on which factor matters most to your situation.
- Price is your top priority
Mississippi Farm Bureau is the lowest-priced carrier in the top five at $95/month for full coverage and $33/month for minimum coverage. Both rates are below state averages. MoneyGeek's cheapest Mississippi car insurance analysis compares more carriers and rate variables across ZIP codes for drivers who want a broader price comparison.
- You want the best Mississippi claims experience
Travelers scores a perfect 5/5 in customer experience, the highest among Mississippi's top-ranked carriers. That score is based on J.D. Power's 2025 U.S. Auto Insurance Study, NAIC complaint data, and AM Best financial strength ratings. Travelers' claims handling score is a valuable factor for choosing it over a cheaper alternative.
Price and coverage both matter to youTravelers has the top MoneyGeek score in Mississippi at 4.69/5, with full coverage at $105/month, 39% below the state average. Travelers combines a 2nd-place affordability rank with the highest customer experience score in the state, which makes it the best all-around option for drivers who don't want to choose between price and service quality.
There's a young driver in your householdMississippi Farm Bureau offers affordable rates for different driver profiles, including young drivers. For families who plan to add young drivers to their policy, bundling of home and auto insurance in Mississippi can lower rates.
Your record has a DUI or violationAmong Mississippi's top five, the Mississippi Farm Bureau has the lowest rates after a DUI. After a first-offense DUI, you must file an SR-22 insurance in Mississippi through your insurer for three years.
Mississippi Farm Bureau Casualty is on your listMississippi Farm Bureau Casualty is the state's largest home-state auto insurance carrier. Its agent network reaches rural Mississippi counties where national carriers have a thinner footprint. Rate examples and customer service ratings by driver profile are in MoneyGeek's Mississippi Farm Bureau review.
Best Mississippi Car Insurance: FAQ
What is the minimum car insurance required in Mississippi?
Mississippi requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured motorist coverage is also mandatory and shouldn't be less than the required liability limits. Mississippi is a tort state with no PIP mandate; medical payments coverage is optional.
What happens if I drive without insurance in Mississippi?
A first offense carries a $1,000 fine, a one-year license suspension, and an SR-22 filing requirement for three years. The $1,000 fine alone exceeds the annual cost of basic minimum liability coverage in Mississippi.
Do I need uninsured motorist coverage in Mississippi?
UM coverage is included in every Mississippi policy by default. Drivers can request coverage amounts lower than the limits of bodily injury liability coverage in their policy, but not less than the minimum limits required in the state.
How does Mississippi's pure comparative negligence rule affect claims?
Mississippi follows pure comparative negligence with no fault threshold: a driver recovers damages regardless of their percentage of fault, with the award reduced proportionally.
What is the difference between SR-22 and FR-44 in Mississippi?
Mississippi uses SR-22 only. The filing is submitted by your insurer to the Mississippi Department of Public Safety after a DUI conviction (a first offense triggers SR-22 with no administrative diversion available), license suspension, repeat insurance violations, or driving uninsured in an accident. Three-year filing is typical. Mississippi doesn't use FR-44, which is a higher-limits filing requirement used in Virginia.
Is Mississippi Farm Bureau Casualty Insurance a good option for Mississippi drivers?
Mississippi Farm Bureau Casualty Insurance is Mississippi's largest home-state auto carrier and the first Mississippi-headquartered insurer. The carrier's agent network runs deep into rural Mississippi counties where national carriers have thinner footprints.
Sources
- AM Best. "Ratings Services." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- Mississippi Department of Public Safety. “DUI Offenses and Driving Privileges.” Accessed 2026.
- Mississippi Insurance Department. “Auto Insurance.” Accessed 2026.
- Mississippi Legislature. “House Bill 638.” Accessed 2026.
- Mississippi Legislature. “House Bill 1109.” Accessed 2026.
- University of Mississippi. “Mississippi Conflict of Laws - Comparative Negligence.” Accessed 2026.
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
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.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.