Cheapest Low-Income Car Insurance in Mississippi

Direct General Insurance captures most of Mississippi's budget-conscious driver market, providing adults and seniors identical $31 monthly rates while charging young drivers $40, DUI offenders $64, and bad credit holders $40 per month. Mississippi Farm Bureau emerges as the top choice for two specific categories: drivers with speeding tickets at $40 and those with accident history at $49 monthly. 

Our research shows the state performs well in national affordability comparisons, with costs substantially lower than expensive coastal markets where monthly premiums can exceed $100 for basic liability coverage. Mississippi's competitive insurance environment creates opportunities for savings, particularly through Direct General's consistent low pricing across most driver profiles. Rates nationwide fluctuate from ultra-affordable rural states charging around $22 monthly to urban northeastern markets hitting $121, positioning Mississippi favorably for drivers seeking economical minimum coverage.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Progressive offers Mississippi families exceptionally low minimum coverage: married couples with teens pay just $22 monthly, couples without children $33, and single parents $66. Single parents pay $44 more per month than married couples with identical teen drivers, though this gap is smaller than the $60 to $100 premiums common in other states. 

Adding a teenage driver actually reduces premiums through Progressive, dropping from $33 for married couples alone to $22 with a teen included, an unusual pricing advantage for Mississippi families. Nationwide and State Farm charge $71 to $72 for married couples with teens, demonstrating Progressive's substantial savings. Our analysis found Mississippi tracks slightly below the $83 national average for families with teenage drivers, making it an affordable option for budget-conscious households.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Mississippi drivers need to meet these minimum car insurance requirements: 

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability

If you're leasing or financing a vehicle, you'll need a split of 100/300/100 liability coverage along with comprehensive and collision protection.

State Farm offers the cheapest car insurance for most low-income drivers in Mississippi, including high-risk drivers with a speeding ticket, DUI or accident. Direct General is a great choice for drivers with poor credit. Compare multiple providers using different channels to find the best option.

Finding affordable car insurance is tough for low-income drivers. Here are answers to common questions on saving money.

Study Overview

MoneyGeek analyzed Mississippi auto insurance rates using data from the Mississippi Insurance Department and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek reviewed 328,384 quotes from 14 companies across 370 ZIP codes to find the average cost of car insurance for low-income drivers in Mississippi.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Mississippi:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors like age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for state minimum coverage, which follows the requirements set by Mississippi law and offers affordable options for low-income drivers.