BestCar InsuranceMississippiBest Car Insurance in Mississippi (May 2023)
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Nationwide is the best overall car insurance in Mississippi, including full coverage insurance. State Farm dominates the top spot for drivers with violations on their records. Travelers is the best choice for new drivers.
MoneyGeek outlines the cheapest car insurance in Mississippi if cost is your primary concern.
BestCar InsuranceMississippiBest Car Insurance in Mississippi
Best Overall - Nationwide
Best for Service - Shelter
Best for Minimum Coverage - State Farm
Best for Young Adults - Progressive
Best for Seniors - Progressive
Best for Driving Offenses - State Farm
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Mississippi
Nationwide offers the best full coverage car insurance in Mississippi. MoneyGeek's analysis identified the following top companies:
- Nationwide: MoneyGeek score of 87 out of 100 ($841 per year)
- State Farm: MoneyGeek score of 87 out of 100 ($824 per year)
Nationwide outperforms six major competitors, offering the best balance of financial stability and customer satisfaction. We also identified Mississippi's cheapest full coverage auto insurance if saving money is your top priority.
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NationwideBest Overall
Score:87
Nationwide is MoneyGeek’s pick for the best auto insurance in Mississippi for its outstanding customer service, affordability and financial stability ratings. It offers the fourth-cheapest rate in the state at an average of $841 per year for a full coverage policy.
More About Nationwide
Nationwide is the best auto insurance provider in Mississippi, having moderate rates for our sample driver profiles. Discounts are available to help with the cost of insurance, such as those for bundles, paperless transactions, good students, safe drivers and anti-theft. Automatic payment discounts — which are not typically offered by insurance providers — are available from Nationwide.
Travel reimbursement, rental car reimbursement and roadside assistance are just a few of the add-on insurance options available to Nationwide customers. You can also choose to add deductible modification, accident forgiveness and gap insurance. Nationwide also provides unique total loss deductible waiver and identity theft coverage. If your car is considered a total loss following an accident, the total loss deductible waiver will pay your comprehensive or collision deductible. Nationwide's identity theft insurance covers up to $25,000 when you or a member of your household falls victim to identity theft.
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State Farm
Score:87
MoneyGeek’s analysis showed State Farm is the second-best auto insurance company in Mississippi due to its strong affordability, customer satisfaction and financial stability ratings. It is the third most affordable insurer, with a full coverage policy costing $824 on average per year.
More About State Farm
With the largest market share nationwide, State Farm ranks highly among its competitors. Although it does not provide many options for coverage, the ones it offers are essential for most drivers. These include rental car reimbursement and roadside assistance coverage.
Roadside assistance from this insurer includes mechanical work, towing, locksmith work, tire changes and delivery of gas, batteries or other necessary equipment. Rental car reimbursement covers the cost of renting a car when yours is not driveable due to a covered incident.
State Farm’s full coverage rate is already among the most affordable, and the company offers several discounts to help policyholders save even more. These include discounts for safety equipment, such as anti-lock brakes, airbags and daytime running lights. Policyholders with safe driving records can also qualify for discounts.
3
Nationwide
Score:87
Nationwide is MoneyGeek’s pick for the best auto insurance in Mississippi for its outstanding customer service, affordability and financial stability ratings. It offers the fourth-cheapest rate in the state at an average of $841 per year for a full coverage policy.
More About Nationwide
Nationwide is the best auto insurance provider in Mississippi, having moderate rates for our sample driver profiles. Discounts are available to help with the cost of insurance, such as those for bundles, paperless transactions, good students, safe drivers and anti-theft. Automatic payment discounts — which are not typically offered by insurance providers — are available from Nationwide.
Travel reimbursement, rental car reimbursement and roadside assistance are just a few of the add-on insurance options available to Nationwide customers. You can also choose to add deductible modification, accident forgiveness and gap insurance. Nationwide also provides unique total loss deductible waiver and identity theft coverage. If your car is considered a total loss following an accident, the total loss deductible waiver will pay your comprehensive or collision deductible. Nationwide's identity theft insurance covers up to $25,000 when you or a member of your household falls victim to identity theft.
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State Farm
Score:87
MoneyGeek’s analysis showed State Farm is the second-best auto insurance company in Mississippi due to its strong affordability, customer satisfaction and financial stability ratings. It is the third most affordable insurer, with a full coverage policy costing $824 on average per year.
More About State Farm
With the largest market share nationwide, State Farm ranks highly among its competitors. Although it does not provide many options for coverage, the ones it offers are essential for most drivers. These include rental car reimbursement and roadside assistance coverage.
Roadside assistance from this insurer includes mechanical work, towing, locksmith work, tire changes and delivery of gas, batteries or other necessary equipment. Rental car reimbursement covers the cost of renting a car when yours is not driveable due to a covered incident.
State Farm’s full coverage rate is already among the most affordable, and the company offers several discounts to help policyholders save even more. These include discounts for safety equipment, such as anti-lock brakes, airbags and daytime running lights. Policyholders with safe driving records can also qualify for discounts.
How the Best Insurers in Mississippi Rank: MoneyGeek Scores and Costs
State Farm triumphed over the other eight insurance providers in Mississippi thanks to its excellent service and affordability. Progressive, which is also affordable, finished second for its lower customer satisfaction score.
The two leading companies are great options for Mississippi citizens looking for insurance with specific coverages. Those who want additional coverage options should also consider Nationwide. For an insurer to get a MoneyGeek overall score, adequate data had to be available for each component of our rating methodology.
Best Car Insurance in Mississippi for Customer Service
Shelter is the best car insurance in Mississippi for customer service. MoneyGeek’s best picks for their service quality are as follows:
- Shelter: MoneyGeek score of 90 out of 100 (approximately $1,319 per year)
- Nationwide: MoneyGeek score of 88 out of 100 (approximately $841 per year)
Good customer service is crucial when dealing with insurance companies. Shelter’s strong service quality ratings indicate the company outperforms its counterparts.
pros
Ranked number 1 on customer satisfaction among eight companies
Provides extensive discount offers
cons
Among the highest insurance rates in the state
No unique coverages offered
COMPANY HIGHLIGHTS
Because of its high customer satisfaction rating, Shelter is the top auto insurance provider in Mississippi for service quality. Though the company has some of the highest insurance rates in the state, you can take advantage of discounts that help you save on your car insurance. These include multiple-car, anti-theft system, pay-in-full, airbag and bundling discounts.
However, Shelter does not offer exclusive coverage, unlike many other auto insurance providers. It does provide gap insurance and new car replacement. If you total your car, gap insurance pays for the difference between your car's value and what you still owe on your lease or loan. If you total a car less than a year old with no more than 15,000 miles, Shelter will replace it with a new one of the same year and model.
What Makes an Insurer the Best for Customer Service?
An insurer provides excellent customer service when it responds to your issues promptly and efficiently. The company listens to complaints and approaches problems methodically.
Despite having some of the highest rates, Shelter offers Mississippi residents first-rate service and gets high claims satisfaction scores.
Best Car Insurance in Mississippi for Minimum Coverage
State Farm offers the best minimum coverage car insurance in Mississippi. It also provides the second-cheapest policies. The best choices in this category are as follows:
- State Farm: MoneyGeek score of 91 out of 100 (approximately $297 per year)
- Progressive: MoneyGeek score of 90 out of 100 (approximately $314 per year)
Remember that a minimum coverage policy provides the least security against liability expenses and does not pay for damages to your car.
pros
Ranked number 2 in terms of affordability out of 8 insurers
High customer satisfaction score
Offers add-on coverages such as roadside assistance and rental car reimbursement
cons
Lacks optional coverages
Below-average claims management rating
COMPANY HIGHLIGHTS
State Farm offers Mississippi drivers the second-most affordable minimum coverage rates. Despite weak claims management ratings, policyholders can expect good customer service from this insurer.
State Farm offers just three coverage add-on options: roadside assistance, rental car coverage and coverage for those who work for rideshare companies. Policyholders miss out on commonly offered coverages, like accident forgiveness, gap insurance and new car replacement.
The insurer provides several discounts to help policyholders cut costs. These include discounts for bundling, insuring multiple cars, early signing and having an anti-theft system. Drivers who are at least 21 and complete an accident prevention course also merit a discount with this insurer, likewise, if you pay your policy in full up front.
What Makes an Insurer the Best for Minimum Coverage?
A good minimum coverage policy will provide the lowest costs for the coverage levels required by the state and offers discounts that can further reduce your rate. When considering insurance companies, pay attention to the trade-off between cost and quality.
State Farm offers outstanding and affordable minimum coverage car insurance and discounts to lower costs further.
Best Car Insurance in Mississippi for Young Adults
Progressive offers the best auto insurance in the Magnolia State for adults in their 20s. The following companies provide the most competitive premiums and excellent service for this age group:
- Progressive: MoneyGeek score of 91 out of 100 (approximately $966 per year)
- State Farm: MoneyGeek score of 89 out of 100 (approximately $1,043 per year)
Drivers in their 20s frequently pay more for auto insurance than middle-aged drivers but less than teens. MoneyGeek advises researching costs to find the best auto insurance for young adults in Mississippi.
pros
Second-cheapest insurance rates, at $966 a year
Provides unique coverages
Offers a wide range of standard and unique discounts
cons
Weak claims management rating
Below-average customer satisfaction rating
COMPANY HIGHLIGHTS
Despite having the same overall MoneyGeek score as the runner-up, we named Progressive the best car insurance in Mississippi for young adults because it excelled in other factors such as affordability and coverage options.
Progressive policies include accident forgiveness coverage at no extra cost, protecting you from increased premiums if you have an accident. You can even get pet coverage to pay for injuries your pet incurs in a car accident, up to a specified amount. The company’s Deductible Savings Bank add-on reduces your comprehensive deductible by $50 for each six-month period you remain accident- or violation-free.
Discounts can make your Progressive car insurance even more affordable. The company offers reduced rates when you insure multiple cars, bundle policies, sign up online and go paperless.
What Makes an Insurer the Best for Young Adults?
The best insurance for this age group maximizes savings while offering excellent service and coverage. Search for insurers that offer discounts because young adults typically pay higher premiums.
Affordable rates, unique coverages and discounts are what make Progressive MoneyGeek's number one recommendation for young adults.
Best Car Insurance in Mississippi for Seniors
Progressive offers the best car insurance in Mississippi for senior drivers. Among the top insurance providers for drivers in their 60s are:
- Progressive: MoneyGeek score of 90 out of 100 (approximately $684 per year)
- State Farm: MoneyGeek score of 88 out of 100 (approximately $743 per year)
The insurance costs for drivers in their 60s are similar to those in their 30s to 50s. However, costs increase after 70. The best senior auto insurance for seniors will balance affordability and quality.
pros
Ranked number 2 in affordability among eight insurers
Above-average satisfaction score
Unique coverages available for consumers
cons
Below average in terms of claims management
No senior-specific discounts
COMPANY HIGHLIGHTS
Progressive offers the most affordable rates for senior drivers in Mississippi out of the eight insurance providers in our study. To further lower the price of insurance, the company provides several discounts. Seniors in Mississippi can take advantage of discounts for being continuously insured over a period of years and for three years of consecutive safe driving. Bundling policies, paying automatically and owning a home also merit discounts.
Seniors who purchase the Deductible Savings Bank option can deduct $50 from their deductible for every six months they remain accident- and violation-free. If you install custom parts, such as special wheels or even have a custom paint job, the company’s custom parts and equipment coverage pays up to $5,000. Progressive also offers pet coverage, which pays for vet bills if your furry friend is injured in a covered accident.
What Makes an Insurer the Best for Seniors?
Seniors are more likely to sustain catastrophic injuries in a collision due to their advanced age, although they are considered the safest drivers on the road. Reputable auto insurance providers offer affordable full coverage insurance for senior drivers that includes personal injury protection (PIP) to help defray medical expenses.
While Progressive does not provide PIP coverage, it offers several discounts to help seniors lower their premiums, making it ideal for senior drivers in Mississippi.
Best Car Insurance in Mississippi for Drivers With Offenses
State Farm offers the best car insurance options for Mississippi motorists with offenses like an at-fault accident, a speeding ticket, or a DUI. MoneyGeek's top providers based on price and service ratings are:
- State Farm: MoneyGeek score of 91 out of 100 (approximately $933 per year)
- Progressive: MoneyGeek score of 89 out of 100 (approximately $1,153 per year)
Out of eight insurers, State Farm is also the most affordable. Average rates in Mississippi increase by $189 after a speeding ticket, $449 after an at-fault accident and $641 after a DUI. This is why it is critical for drivers with offenses to shop around for low-cost car insurance.
pros
Ranked number 1 for affordability
Good customer satisfaction rating
cons
Weak claims management score
Lacks unique coverages
COMPANY HIGHLIGHTS
As the most affordable insurer in the state, State Farm offers the best auto insurance in Mississippi for drivers with offenses. Discounts can cut the cost of a policy even further. Bundling, anti-theft system and defensive driving are just a few of the common auto insurance discounts State Farm offers. Making automatic payments, signing up online, going paperless and owning a home will also get you discounts.
Even though State Farm offers limited add-on coverage options, it provides essential ones that benefit most drivers. This insurer offers mechanical repairs, towing and the delivery of various goods as part of its roadside assistance. State Farm’s rental car coverage pays for rental car expenses when your car is undergoing repairs after a covered accident.
What Makes an Insurer the Best for Drivers With Offenses?
High-risk drivers typically pay much higher insurance premiums. The best insurance providers for drivers with violations provide discounts, lower rates, accident forgiveness and replacement cost coverages.
While State Farm does not offer accident forgiveness or replacement cost coverages, its affordable rates and discounts make it the best insurer for Mississippi drivers with offenses.
Best Car Insurance in Mississippi for Drivers With New Cars
Travelers provides drivers with new cars with the best insurance in Mississippi. The following companies offer new or better car replacement coverage:
- Travelers: MoneyGeek score of 91 out of 100 (approximately $1,063 per year)
- Allstate: MoneyGeek score of 77 out of 100 (approximately $1,410 per year)
If you have new car replacement coverage and total your car, your insurer will pay for a brand-new one of the same make and model. Meanwhile, you get a car one model year newer with better auto replacement coverage.
pros
Most affordable in Mississippi, at $1,063 per year
Provides an extensive selection of discounts
cons
Poor ratings for claims management
COMPANY HIGHLIGHTS
The best insurance for new car owners in Mississippi is Travelers. Even though its policies are the cheapest, it offers an extensive selection of discounts that can further decrease the cost of your auto insurance. If your car is less than three years old, you qualify for a new vehicle discount. Environmentally friendly drivers who purchase hybrid cars also get a discount. You can also get discounts for paying in full, going paperless, having a safe driving record and bundling policies.
The company’s gap insurance can benefit drivers with car loans. If you total your car, it pays the difference between what your car is valued at and what you still owe on your loan or lease. Travelers also offers accident forgiveness coverage to protect your premium from increasing after a mishap.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars need proper insurance coverage that protects their sizeable investment. Travelers offers many of the most desired coverages — such as gap insurance and new car replacement — making it practical for drivers with new cars. It also provides discounts specific to new car owners.
Best Car Insurance in Mississippi for Military Drivers
With a rating of 94 out of 100, USAA came out on top in MoneyGeek’s ranking of the top auto insurance providers in Mississippi for military members and their families. USAA’s full coverage costs an average of $567 each year – the cheapest premium in the state.
If you match its qualifying criteria, USAA is the best option because it offers reasonable rates and coverages designed to address the needs of military members and their families.
pros
Ranks number 1 for affordability, at $567 each year
Ranks number 1 for customer satisfaction out of 9 insurers
cons
Slim coverage options
Poor claims management rating
COMPANY HIGHLIGHTS
For Mississippi military members and their families, USAA is the best insurance provider. Specifically, in terms of client satisfaction, it outperformed eight other insurers. The company provides accident forgiveness in addition to standard insurance benefits, including coverage for rental cars and roadside assistance.
The full coverage policies offered by USAA are some of the least expensive in Mississippi, costing an average of $567 per year. Discounts that could further cut costs are also available — for instance, parking your automobile on base gets you a discount of up to 60%. The company also provides discounts for loyalty, new cars, safe driving, low mileage and bundling.
How to Find the Best Car Insurance in Mississippi for You
When shopping for the best car insurance in Mississippi, you must consider price, financial stability and standard of service. MoneyGeek gathered information to help you determine which auto insurance company best meets your needs and goals. If you’d like to continue the research, we recommend the following:
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Research customer service reputations in Mississippi
MoneyGeek gathered car insurance estimates for a sample motorist from a range of providers to determine the top insurers in Mississippi. Additionally, we evaluated the J.D. Power customer satisfaction rankings and the NAIC complaint index. You can get further details on the website of Mississippi’s insurance department.
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Compare quotes
MoneyGeek gathered information on auto insurance for numerous areas throughout Mississippi. Some insurance offers may not apply to every region. To determine if an insurer offers coverage that meets your needs, always request quotes from at least three companies and compare their prices.
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Find the coverages you want in Mississippi
Although insurance providers promote specific coverage and discounts online, some are not always available in all areas. Always inquire whether the options and plan that best meet your needs are available in your area.
4
Check financial stability ratings
A company’s financial rating can indicate how well it can pay its claims. Regional insurance firms in Mississippi may have lower ratings than large insurance companies, which often tend to be financially stronger. Always check an insurer’s financial standing before signing up.
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FAQs About the Best Car Insurance in Mississippi
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