Non-Owner Car Insurance in Mississippi: The Cheapest Options and What You Need to Know

Non-owner car insurance costs an average of $511 per year in Mississippi, although your premium may vary based on the company you choose. The state’s cheapest widely available non-owner car insurance provider is Travelers, with an average annual cost of $289. While shopping around for cheap non-owner car insurance in Mississippi, MoneyGeek’s guide can help you secure the right coverage for your needs.

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Last Updated: 8/16/2022

Non-owner car insurance protects you against loss if you get involved in an accident using a rented or shared car. You can also use this type of insurance as proof to get a suspended license reinstated.

In Mississippi, drivers with a clean record pay an average of $511 for non-owner car insurance per year. If you have a serious traffic violation like a DUI, you will pay $889 per year on average for the same policy. MoneyGeek compared costs across various insurance providers to help you understand when and how to secure the best non-owner car insurance in Mississippi.

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Cheapest Non-Owner Car Insurance Companies in Mississippi

Non-owner car insurance rates are usually lower than standard car insurance coverage premiums. You can still save on your premium by shopping around and comparing costs between multiple providers.

According to MoneyGeek, the cheapest widely available non-owner car insurance in Mississippi is from the following companies:

  • Travelers: $289 per year
  • State Farm: $468 per year

For drivers with a military background, USAA provides the cheapest non-owner car insurance in Mississippi. Former and current military members pay an average of $211 per year for the policy.

MetLife has the highest price point for non-owner car insurance coverage in the state, at $812 per year on average.

MoneyGeek obtained the rates used in this study using a 40-year-old sample driver with a non-owner car insurance policy whose limits are outlined in our methodology.

Cheapest Non-Owner Car Insurance Companies in Mississippi

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $211
    $18
  • Travelers
    $289
    $24
  • State Farm
    $468
    $39
  • GEICO
    $503
    $42
  • Nationwide
    $546
    $46
  • Progressive
    $745
    $62
  • MetLife
    $812
    $68
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How Much Is Non-Owner Car Insurance in Mississippi?

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Non-owner car insurance in Mississippi costs an average of $511 per year, which is $85 cheaper than what drivers with a clean record pay for regular car insurance per year.

Having a serious traffic violation, such as a DUI, can increase your non-owner car insurance premium significantly. Mississippi drivers pay an average of $889 per year for non-owner car insurance if they have a DUI. This amount is $293 more than what drivers with clean records pay for traditional car insurance.

Cheapest SR-22 Non-Owner Car Insurance Companies in Mississippi

In most states, including Mississippi, you will need to file an SR-22 through your insurance provider if you have a serious traffic violation on your driving record, like a DUI. To get your license reinstated, you will need to provide proof of insurance alongside your SR-22 in Mississippi. If you do not own a car, purchasing non-owner SR-22 car insurance may be the best option.

The companies that provide widely available cheap non-owner car insurance in Mississippi for drivers with a DUI are:

  • Travelers: $434 per year
  • State Farm: $468 per year

USAA, with an annual average cost of $340, is the state’s cheapest provider of non-owner car insurance for drivers with a DUI. But it’s only available for current and former military members.

MetLife is the most expensive non-owner SR-22 insurance coverage provider in Mississippi for drivers with a DUI, costing $1,822 per year on average.

Cheapest SR-22 Non-Owner Car Insurance Companies in Mississippi

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $340
    $28
  • Travelers
    $434
    $36
  • State Farm
    $468
    $39
  • Nationwide
    $623
    $52
  • Progressive
    $1,092
    $91
  • GEICO
    $1,445
    $120
  • MetLife
    $1,822
    $152
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What Is Non-Owner Car Insurance in Mississippi?

If you do not own a car but need car insurance in Mississippi, non-owner car insurance, also known as non-owner liability insurance, provides the best coverage option.

Non-owner car insurance meets the state’s minimum car insurance requirements. However, it does not include comprehensive and collision coverage commonly included in full coverage car insurance.

If you’re buying a non-owner car insurance policy in Mississippi, you may also add uninsured and underinsured motorist coverage on your policy for added protection.

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A non-owner car insurance policy in Mississippi still needs to meet the state’s required minimum coverages, which include:

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

Who Should Get Non-Owner Car Insurance in Mississippi?

If you live in Mississippi, you will need to purchase non-owner car insurance if:

  • You need to provide proof of insurance for your license to get reinstated: If you are caught with a severe traffic violation, such as a DUI, and your license gets suspended, you need proof of insurance to get it back. Purchasing a non-owner car insurance policy is ideal since it costs less than regular car insurance
  • If you use car-sharing services or rent cars often: If you are involved in an accident while using a rented vehicle, having non-owner car insurance protects you from any damages incurred since it covers the cost of third-party injuries and property damage.
  • If you temporarily don’t have a car but need to avoid a lapse in your insurance coverage: If you do not have a car temporarily due to various reasons, you can purchase cheap non-owner car insurance in Mississippi to avoid having your coverage lapse.

Who Shouldn’t Get Non-Owner Car Insurance in Mississippi?

Just because you don’t own a car does not necessarily mean you need non-owner insurance. If you live in Jackson and borrow a friend’s car, their personal car insurance covers you as long as you have permission to use their vehicle. That means you don’t need to purchase non-owner car insurance.

You should also not purchase non-owner car insurance coverage if you hardly use rented cars. If you only occasionally go on vacations outside the state, for example, coverage from the car rental company is enough to cover your insurance needs.

How to Get Non-Owner Car Insurance in Mississippi

If you are shopping around for non-owner car insurance in Mississippi, you can check the providers listed by MoneyGeek on this page. While it is not possible to obtain a non-owner car insurance quote online, you can call the insurance providers directly using the phone numbers listed below to get one.

Contact Non-Owner Car Insurance Companies in Mississippi
  • Company
    Contact Number
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • GEICO
    800-207-7847
  • Nationwide
    877-669-6877
  • Progressive
    888-671-4405
  • MetLife
    800-422-4272

Frequently Asked Questions About Mississippi Non-Owner Car Insurance

Non-owner car insurance is not the same as traditional car insurance, and it is important to understand the difference between the two to avoid confusion. Knowing the answers to some frequently asked questions about non-owner car insurance in Mississippi can help you find the best coverage for your needs.

Methodology

MoneyGeek determined non-owner car insurance rates in Mississippi in partnership with Quadrant Information Services and used the same limits as traditional car insurance policies.

The policies used in this analysis belong to a 40-year-old driver with either a good driving record or a DUI. The policies had the minimum car insurance requirements in Mississippi, except for the liability insurance coverage, which has the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident