The Best Car Insurance in Mississippi for 2022
The best car insurance companies balance customer satisfaction, financial stability and affordability. Based on that criteria, GEICO is the best car insurance company in Mississippi as it has the second highest score for affordability while it’s tied for second for customer satisfaction and tied for first for claims.
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MoneyGeek’s analysis shows that GEICO is the best car insurance company in Mississippi. However, the best option for you would be the one that offers a policy that meets your needs. We have broken down car insurance providers by customer service, cost and many other important factors.
For people who are looking for the most affordable car insurance company regardless of the quality of service, MoneyGeek researched cheap car insurance companies in Mississippi.
The Best Car Insurance in Mississippi
Best Car Insurance Companies in Mississippi: Overall
MoneyGeek scored the best car insurance companies in Mississippi based on average rates, claims rating and user satisfaction.
According to these factors, the top insurance providers in the state are:
- GEICO: MoneyGeek score of 3.9 out of 5
- Travelers: MoneyGeek score of 3.9 out of 5
USAA scored 4.8 out of 5, but it wasn't included in this analysis because the policies offered by the company are only for military families and veterans.
The Top 5 Car Insurance Companies in Mississippi
With an average annual cost of $918, the company is tied second for user satisfaction, tied first for claims and has the second-highest affordability score. It offers mechanical breakdown insurance.
The company offers mechanical breakdown insurance (MBI), which provides better coverage than a typical dealer’s extended warranty at a cheaper price. MBI also includes all systems and parts. This coverage is for cars that are less than fifteen months old and have less than 15,000 miles on them. It’s an add-on feature that is not automatically included in your policy.Read MoneyGeek's GEICO auto Insurance Review
An insurance policy from Travelers costs an average of $879 per year. The company is tied third for customer satisfaction, tied first for claims and has the highest affordability score among other companies. Travelers offers gap insurance to its customers.
Travelers offers gap insurance to its customers, which helps you pay for your remaining auto loan when your leased or financed car is totaled. It covers the difference between the actual cash value of the car and the unpaid balance of the auto loan or lease. This is an add-on feature, so you will have to pay more to include it in your policy.Read MoneyGeek's Travelers auto Insurance Review
Costing an average of $1,043 annually, State Farm is ranked first for customer satisfaction, tied first for claims and ranked third for affordability. It offers rideshare insurance.
State Farm’s rideshare insurance extends all coverages in your personal auto policy like medical, emergency roadside assistance and rental car reimbursement and also puts your personal policy deductible into effect while you are working for a ridesharing company. After you start the ride, all coverages except liability insurance remain. It’s an add-on coverage.Read MoneyGeek's State Farm auto Insurance Review
Nationwide’s car insurance policy has an average cost of $1,077 per year. It’s tied second for customer satisfaction, tied first for claims and ranked fifth for affordability. The company offers identity theft coverage to its customers.
With Nationwide’s identity theft coverage, the company will pay up to $25,000 for any losses incurred due to fraud or identity theft with you or any of your family members. This is an add-on feature and is rarely offered by insurance providers. You can add this feature to your policy, but you will have to pay more for it.Read MoneyGeek's Nationwide auto Insurance Review
Allstate offers a car insurance policy at an average annual cost of $1,052. The company is tied third for user satisfaction, tied second for claims and ranked fourth for affordability. It offers portable electronics and media coverage.
Allstate’s electronics and media coverage covers the loss of tapes, compact discs and similar items which are used in a car’s sound system. This coverage applies to the property owned by the insured or a resident relative that is in the insured car at the time of loss. For this coverage to apply, comprehensive coverage must be in effect.Read MoneyGeek's Allstate auto Insurance Review
MoneyGeek collected full coverage policy quotes for a sample driver across many locations in the state as well as claims ratings and user satisfaction data from J.D. Power and the NAIC to determine the cost of a full coverage car insurance policy in Mississippi. These quotes may be different for you depending on your profile. For more details, you can review our methodology.
MoneyGeek's Mississippi Car Insurance Resources:
Compare the Best Insurance Options in Mississippi
The best car insurance company in Mississippi has a good balance between cost, financial stability and customer service. You should also consider which combination suits your needs and whether the insurance provider offers policies that are the best fit for you. You can compare quotes from different companies by reading MoneyGeek’s in-depth reviews.
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Best Car Insurance in Mississippi for Customer Service
MoneyGeek analyzed and scored the best car insurance companies in Mississippi by customer service and claims ratings without considering the cost of a policy.
Based on these factors, the top insurance companies in Mississippi are:
- Alfa Insurance: MoneyGeek score of 4.5 out of 5
- State Farm: MoneyGeek score of 4.2 out of 5
The Top 2 Car Insurance Companies in Mississippi for Service Quality
Alfa Insurance has a customer satisfaction score of 4.5 out of 5 and is also ranked 4.5 out of 5 for claims.
Alfa Insurance offers accident forgiveness coverage to its customers. With this coverage, your insurance rates won’t go up after your first at-fault accident. The company also covers the cost of rental cars or transportation in case your car is being repaired after an accident.
State Farm has a customer satisfaction rating of 4.5 out of 5 and a claims rating of 4 out of 5.
With State Farm, you get rental car or travel costs reimbursement coverage if your car gets damaged in a covered accident. This coverage pays for travel expenses up to $500 and even offers up to $500 repayment of deductible in case of an accident with your rental car. You also have coverage of roadside assistance service costs if your car gets stranded on the road.Read MoneyGeek's State Farm auto Insurance Review
Best Car Insurance in Mississippi for Drivers on a Budget
MoneyGeek scored the best insurance companies in Mississippi based on cost and customer service for people who are looking to buy a policy with the state’s minimum required coverage.
Based on these scores, the top insurance companies in Mississippi are:
- GEICO: MoneyGeek score of 4.1 out of 5
- Nationwide: MoneyGeek score of 3.9 out of 5
MoneyGeek’s Pick: GEICO
Affordable policy at an average cost of $382 per year
Offers bundling and multiple car discount
Offers discount on defensive driving
MoneyGeek’s satisfaction and claims rating of 4 out of 5
Does not offer a discount of paperless billing and full annual payment
GEICO offers great discounts if you have a clean driving record, insure more than one car with the company and bundle your auto policy with home, condo, renters or mobile home insurance policy.
The company also offers you a discount on your policy if you have anti-lock brakes and an anti-theft system installed on your car. Both of these features reduce the risk for the insurance provider and lower your car insurance costs.
Best Car Insurance in Mississippi for Poor Driving Records
MoneyGeek researched the best insurance companies in Mississippi for people with an at-fault accident on their driving record and scored those companies for customer service and cost.
Based on these factors, the best insurance providers in the state are:
- State Farm: 4.3 out of 5
- Travelers: 4.2 out of 5
MoneyGeek’s Pick: State Farm
Affordable car insurance policy at roughly $1,254 per year
Offers roadside assistance and rental car cost or travel costs reimbursement
User satisfaction rating of 4.5 out of 5
Claims rating of 4 out of 5
Does not offer accident forgiveness, new car replacement, gap insurance, deductible modification and better car replacement
State Farm has one of the best car insurance policies for people who have a poor driving record. Its average annual cost is $1,254, and it has a claims rating of 4 out of 5 while it’s rated 4.5 out of 5 for user satisfaction.
The company offers the following coverages:
- Roadside assistance: This helps you pay for assistance services like towing, flat tire replacement and more if your car breaks down on the road.
- Travel costs reimbursement: If your vehicle gets damaged in an accident, the company covers the cost of rental car or other transportation costs.
Best Car Insurance in Mississippi for a Military Background
MoneyGeek’s research shows that USAA is the best car insurance company in Mississippi for veterans and people who have a military background. It has a MoneyGeek score of 4.9 out of 5.
A minimum coverage policy with this company costs an average of $296 per year, while it charges an average of $888 every year to military drivers with an at-fault accident on their record.
MoneyGeek’s Pick: USAA
An affordable full coverage policy for drivers with a bad driving record at around $888 per year
Offers rideshare insurance and new vehicle discount
User satisfaction rating of 4.5 out of 5
Claims rating of 5 out of 5
Only available for military families
USAA is the best insurance company in the country with good customer service and affordable rates. It has a good reputation among its customers.
This company offers the following coverages and discounts:
- Rideshare insurance: It provides you coverage while you’re working for a rideshare company and fills the gap between your personal auto policy and the rideshare company’s commercial policy.
- Accident forgiveness: If you remain accident-free for five years, an auto policy surcharge will not be assessed for your first at-fault accident.
- New vehicle discount: You’ll get a discount if your car is three years old or newer.
- Multiple car discount: You can save up on car insurance if you insure more than one car with the company.
Best Car Insurance in Mississippi for Young Drivers and Students
Based on these scores, the top insurance companies in the state are:
- Allstate: 4.1 out of 5
- Nationwide: 3.8 out of 5
MoneyGeek’s Pick: Allstate
Affordable auto policy at $2,600 per year on average
Offers good student, drivers education and distant student discount
Claims and user satisfaction rating of 3.5 out of 5
While adding a young driver to a full coverage policy can be pretty expensive, Allstate makes it fairly affordable while maintaining good customer service. Customer service of an insurance provider is very important since you will have to contact the company when filing a claim, and good customer service can make the process easier.
With Allstate, you can get a discount if you’re a full-time student with a good academic record and also by completing the teenSMART driver education program. You can also save on your insurance premiums if you are a student who’s studying 100 miles away from home.
Best Car Insurance in Mississippi for Those With New Cars
MoneyGeek researched the best insurance companies in Mississippi for people who are looking for a policy with new car replacement or better car replacement coverage. If an insurance company offers a new car replacement, you can get a brand new car of the same make and model if your car gets totaled. With better car replacement coverage, the company will reimburse you for a newer model of the car. This is an add-on feature, and you can add it to your policy by paying more for it.
Our research shows that Travelers is the best company in the state for this coverage. It has a MoneyGeek score of 3.8 out of 5.
MoneyGeek’s Pick: Travelers
Offers an affordable car insurance policy at $879 per year
Offer new car replacement coverage
Claims rating of 4 out of 5
Does not offer better car replacement
User satisfaction rating of 3.5 out of 5
Travelers is a great fit for you if you have recently started driving as this company offers new car replacement to its customers. This is an important feature in an insurance policy as your car loses its value after it’s driven off the lot and this coverage reimburses you for the original worth of the car.
With this company’s premier new car replacement, you can get a brand new car of the same make and model if you total your car in the first five years.
Best Car Insurance in Mississippi for Low-Mileage Drivers
Most of the insurance companies in the country are expanding the use of pay-per-mile programs, which charge you based on how much you drive and the number of miles you cover while several offering affordable low-mileage insurance. In Mississippi, Nationwide is the best insurance company for pay-per-mile coverage.
MoneyGeek’s Pick: Nationwide
It offers good rates for low-mileage drivers
MoneyGeek user satisfaction and claims rating of 4 out of 5
It’s not useful if you are a frequent driver
Nationwide offers Nationwide SmartMiles program in the state. It has a base rate and a variable rate depending on how many miles you drive, and it offers you a discount for safe driving. This program only counts the first 250 miles in a day while you’re on a road trip.
How to Find the Best Car Insurance in Mississippi in For You
While shopping for the best car insurance policy, consider the company which balances cost, financial stability and customer service. MoneyGeek has collected this information for you, but you can also look for the best company yourself.
Research Customer Service Reputations in Mississippi
While MoneyGeek collected car insurance quotes for a sample driver across different locations in the state, you can look up J.D. Power satisfaction scores and the NAIC complaint scores to decide about the best insurance company. The website of Mississippi’s insurance department can also provide more information.
Compare Quotes for Yourself
MoneyGeek collected car insurance data for many different locations in Mississippi. However, the data may not be for every area. You should always get quotes from three insurers and compare their rates to see if they offer a policy that fits your needs.
Make Sure the Company Has Coverages You Want in Mississippi
The insurance companies advertise certain discounts and coverage, but it’s possible these offers may not be available for every state. Always check with the insurance provider if they offer the policy which is the best fit for your requirements.
Double-Check Financial Stability Ratings
You should check the financial strength rating of an insurer as financially unstable companies can delay the processing of claims. Usually, large insurance companies tend to be financially stronger, but regional insurance companies in Mississippi may have lower ratings.
FAQs About the Best Car Insurance in Mississippi
The best insurance policy is the one that meets your needs and requirements. The following frequently asked questions about the best car insurance companies in Mississippi may help you make an informed decision.
The information on car insurance costs in Mississippi was collected in collaboration with Quadrant Information Services. These costs are for the driver and policy described on our methodology page unless noted otherwise.
MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or from their quote tools.
About the Author
- Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed September 25, 2021.