Cheapest Car Insurance in Mississippi

Farm Bureau offers Mississippi's cheapest full coverage car insurance at $1,078 a year, breaking down to $90 a month. That's 27% lower than what most drivers in the state pay. Travelers follows at $1,232 a year, with Progressive next at $1,368. Safeway rounds out the top four at $1,407 annually. The $290 difference between Farm Bureau and Progressive equals more than three months of coverage.

Farm Bureau offers Mississippi's cheapest minimum coverage car insurance at $31 a month, totaling $368 a year. That price is 46% lower than the state average.

Progressive charges $523 a year for the same required coverage, while GEICO costs $621 annually. Safeway Insurance charges $659 a year for minimum coverage, and Travelers comes in at $650. Choosing Farm Bureau instead of Safeway saves $291 a year, or roughly $24 each month.

Allstate offers the lowest minimum coverage in 19 of Mississippi's 20 largest cities, with monthly rates ranging from $31 in Columbus to $48 in Pearl. Farm Bureau leads in both Biloxi and Pearl. In Jackson, the highest rates in the state appear at $44 a month for minimum coverage through Allstate, reflecting the city's heavier traffic and higher accident frequency.

Southern Farm Bureau offers Mississippi's cheapest full coverage car insurance for teens and young adults, with 16-year-olds paying $127 a month. Rates drop to $110 at age 17 and $98 at age 18. The company continues its pricing advantage through the early 20s.

At 19, Southern Farm Bureau charges $87 a month, and by age 20 the rate falls to $79. The trend continues into the mid-20s, with 25-year-olds paying $55 a month for full coverage

Drivers under 18 need a parent or guardian to cosign because they can't legally purchase auto insurance on their own. Requirements for teen drivers differ by state, so it helps to speak with a licensed agent to understand coverage rules and legal guidelines in Mississippi.

Direct General Insurance offers Mississippi's cheapest minimum coverage car insurance for seniors at age 65, charging $56 a month for minimum coverage and $66 for full coverage. Southern Farm Bureau becomes the cheaper choice at age 70 with $39 a month for minimum coverage and $95 for full coverage. Both providers offer rates 35% to 37% below Mississippi's state average across senior age groups.

Farm Bureau offers Mississippi's cheapest minimum coverage car insurance for drivers with a DUI at $59 a month, with full coverage at $145 monthly. Progressive comes next at $64 a month for minimum coverage, with full coverage rising to $156. Safeway charges $74 a month for minimum coverage and keeps full coverage competitive at $155.

Direct General Insurance offers Mississippi's cheapest SR-22 insurance for minimum coverage at $61 a month, sitting 41% below the state average. Southern Farm Bureau follows at $67 a month, which is 21% below the state average.

Direct General Insurance also provides the lowest full coverage with an SR-22 filing at $109 a month. This price includes both the SR-22 certificate and full coverage, offering strong value for high-risk drivers working to rebuild their records.

Progressive offers Mississippi's cheapest non-owner car insurance at $68 a month for minimum coverage, sitting 18% below the state average. This type of policy works well for drivers who need license reinstatement after a suspension, require an SR-22 filing without owning a car or rent vehicles often.

Non-owner coverage costs less than a standard auto policy because it provides liability protection only. It doesn't include coverage for any specific vehicle you drive.

Farm Bureau offers Mississippi's cheapest minimum coverage car insurance after an at-fault accident at $44 a month, with full coverage at $119. These prices sit 42% below the state average, giving drivers some of the most affordable coverage after an accident in Mississippi.

Shelter Insurance follows at $61 for minimum coverage and $135 for full coverage. Premiums rise 20% to 40% after an at-fault accident and usually stay higher for three to five years.

Farm Bureau offers Mississippi's cheapest minimum coverage car insurance for drivers with a speeding ticket at $37 monthly, adding up to $438 per year. For full coverage, Farm Bureau stays in the top spot at $101 monthly. Safeway follows at $130 a month, while Progressive charges $161 for the same level of protection.

Choosing Farm Bureau instead of Progressive leads to $720 in yearly savings, which covers nearly eight months of Farm Bureau coverage.

Farm Bureau offers Mississippi's cheapest minimum coverage car insurance for drivers with bad credit at $77 a month, or $919 a year. For full coverage, Safe Auto Insurance comes in at $158 monthly, which is $28 less than Safeway's $186 rate.

That difference adds up to $336 in yearly savings. Bad credit raises costs across all providers. GEICO charges $84 a month for minimum coverage and $201 for full coverage.

Car insurance rates in Mississippi depend on your location, driving history, age and credit score. Farm Bureau Insurance offers the lowest full coverage at $1,078 per year, and their minimum coverage starts at $368 annually. You save hundreds of dollars each year by comparing providers and using available discounts.

Mississippi car insurance comes with a lot of choices. This section highlights some of the most important points so you can pick the best coverage.

Our Research Approach

Mississippi drivers deal with some of the nation's highest insurance rates, and costs swing dramatically between Jackson, the Gulf Coast and rural areas. The state's minimum liability requirements are higher than many neighboring states, but they still leave gaps in serious accidents. Our research identifies which insurers offer competitive rates across Mississippi's diverse markets, from the Delta to the Pine Belt.

We collected auto insurance data from the Mississippi Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Mississippi.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical Mississippi drivers without violations or poor credit that increase premiums. Your personal quote will adjust based on your specific driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: Mississippi's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Mississippi rates vary by city. Drivers in Jackson often pay more than those in Tupelo or Hattiesburg for identical coverage. Our ZIP code analysis reveals where drivers overpay because of geography and local claim patterns.

For more information, see the detailed methodology here.