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Non-OwnerCar InsuranceMississippiCheapest and Best Non-Owner Car Insurance in Mississippi (2023)
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Mississippi non-owner auto insurance provides liability protection for motorists who don't own cars. It can be useful if you frequently borrow someone else's car or require continuing auto insurance coverage. When a driver's license is suspended or revoked due to a violation like a DUI, having non-owner auto insurance may help in the reinstating process.
MoneyGeek discovered that Progressive offers the best and cheapest non-owner auto insurance in Mississippi, balancing affordability with customer service. Meanwhile, State Farm provides the state's cheapest non-owner auto insurance after a violation.
Non-OwnerCar InsuranceMississippiTable of Contents
Cheapest With a Clean Record - Progressive
Cheapest With an Offense - State Farm
Best Non-Owner Car Insurance - Progressive
Cheapest Non-Owner Car Insurance in Mississippi
The following providers offer the most affordable non-owner auto insurance in Mississippi:
- Drivers with clean records: Progressive ($28 per month)
- Drivers with violations: State Farm ($40 per month)
You should expect to pay more for car insurance if you have a driving violation on your record. A non-owner policyholder with a spotless driving record can save $12 per month compared to one with offenses.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Mississippi
The following providers offer safe drivers the best rates for non-owner auto insurance in Mississippi:
- Progressive: $28 per month
- State Farm: $36 per month
USAA offers the lowest-priced Mississippi non-owner car insurance at roughly $21 monthly. However, we did not include it in the original rankings because it is only available to military veterans, active-duty members and their families.
Mississippi's $37 monthly average for non-owner car insurance is cheaper than the $43 nationwide average.
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MISSISSIPPI MINIMUM INSURANCE REQUIREMENTS
State law mandates the following Mississippi minimum insurance requirements for both traditional and non-owner car insurance policies.
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability
Keep in mind that these are just the minimum that the state requires, and you may find that the level of protection it offers is insufficient. Before committing to a policy, it is essential to determine how much coverage you need.
Cheapest Non-Owner SR-22 Car Insurance in Mississippi
The cheapest non-owner car insurance policies for drivers with an SR-22 in Mississippi are offered by the following companies.
- State Farm: $40 per month
- Progressive: $49 per month
USAA offers the most affordable non-owner SR-22 car insurance in Mississippi at $31 per month for military personnel and their eligible family members.
You may need to acquire an SR-22 if you have a driving offense, such as a DUI or an accident in which you were found at fault. Your insurance premiums will increase as a result of the mark on your driving record. Non-owner SR-22 insurance in Mississippi can be had for as little as $40 per month, $19 less than the national average.
WHAT IS SR-22 INSURANCE?
An SR-22 in Mississippi is a certificate of financial responsibility submitted by an insurance company to prove that a high-risk driver has the minimum liability coverage necessary by law in case of a traffic violation or at-fault accident. The document is sometimes referred to as "SR-22 car insurance," but it is not a type of insurance.
What Is Non-Owner Car Insurance?
If you're a driver in Mississippi but don't own a car, you can still get liability coverage through non-owner auto insurance. Because it lacks collision and comprehensive coverage, it won't pay for your medical bills or repairs to the vehicle you’re driving if you're at fault in an accident, but it will cover the costs of third parties.
If you regularly use rental cars, borrow friends' vehicles or want to avoid a lapse in coverage, non-owner car insurance may be a good idea. Below is a comparison table showing the coverage differences between non-owner and full coverage insurance.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in Mississippi
In Mississippi, the average monthly cost of non-owner auto insurance is $37, which is slightly less than the national average for a non-owner car insurance premium ($43 per month). Location is an aspect in determining your premium, but other factors, like age, driving record, coverage limits and the type of vehicle you drive, have a greater bearing on your overall cost.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Mississippi Average Cost
Monthly Premium
$37On average, non-owner car insurance in Mississippi is:$6 saved
This is 14% less expensive.
Best Non-Owner Car Insurance in Mississippi
The three best non-owner auto insurance companies in Mississippi are:
- Progressive: MoneyGeek score 71 out of 100 ($330 per month)
- State Farm: MoneyGeek score 62 out of 100 ($429 per month)
- Travelers: MoneyGeek score 55 out of 100 ($524 per month)
The scores and rankings are based on essential factors like affordability, customer satisfaction reviews from J.D. Power and financial stability ratings from AM Best. To help you in selecting the most suitable insurance provider for you, we have included an overview of each company.
Progressive
Progressive offers excellent rates for non-owner car insurance for drivers with clean records, although State Farm is cheaper for SR-22 coverage. Roadside assistance, deductible modifications, rental car reimbursement, accident forgiveness and other optional coverages are available. Progressive offers several of the most common auto insurance discounts, like those for good students, bundling policies, safe drivers, pay-in-full, paperless billing and more.
State Farm
State Farm has the lowest rates in Mississippi for SR-22 non-owner car insurance. Insurance premiums may get even cheaper through discounts like bundling and safe driving.
State Farm provides two essential auto insurance coverages for non-owner drivers — roadside assistance and rental car reimbursement. However, it lacks some other standard protections, like accident forgiveness and deductible modification.
Travelers
Travelers has an average overall customer satisfaction rating but an exceptional complaint reputation, meaning it receives very few complaints. It's in the middle of the road for non-owner car insurance costs.
Travelers offers many of the most popular optional auto insurance coverages, including roadside assistance and rental car reimbursement, both of which are helpful for non-owner drivers. Discounts are available from Travelers for things like bundling policies, paperless billing and safe driving. The insurer also provides some uncommon discounts for things like driving a hybrid and being a long-time customer.
Should You Get Non-Owner Car Insurance in Mississippi?
If you don't own a car but rely on rental cars or borrowed vehicles on a regular basis — or if you just want to avoid gaps in your insurance history — non-owner auto insurance is a solid option. You may also need it if you’re trying to restore your revoked driving privileges.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Those who frequently drive other people's cars may consider purchasing non-owner car insurance. It’s usually the most affordable form of coverage for these drivers, and it can provide significant peace of mind on the road.
Occasional renters
The liability coverage for property damage and personal injury provided by non-owner auto insurance is useful for individuals who occasionally rent vehicles. As opposed to purchasing a standard auto insurance policy, this may be a more cost-effective option for liability protection. It’s also often more cost-effective than buying coverage from a rental car company.
Drivers between cars
Insurance premiums increase when there is a lapse in coverage. If you've recently sold your car or won't need a vehicle for a while, non-owner car insurance can help you avoid paying higher rates when you're ready to switch back to standard coverage.
License reinstatement seekers
If your license has been suspended or revoked and you want to drive again, you may need to provide proof of financial responsibility in the form of an SR-22 and non-owner auto insurance. The proof of insurance could help you reinstate your driving privileges.
ONE-DAY CAR INSURANCE
Be wary of businesses that promote "one-day insurance," which is not a real insurance product and could even be a fraud. If you only need insurance for a day or two, you should get it through your rental car provider. There are better ways to get temporary car insurance in Mississippi.
Frequently Asked Questions About Non-Owner Car Insurance in Mississippi
To help you find the ideal non-owner car insurance in Mississippi, we answered some of the most commonly asked questions regarding the subject.
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