Car insurance in Mississippi costs between $430 and $540 per year for minimum liability coverage, and between $2,325 and $2,430 per year for full coverage. These are averages, your actual rate will depend on your age, driving record, credit score, and the city you live in.
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Minimum Liability Only | $430 - $540 | $36 - $45 |
| Full Coverage | $2,325 - $2,430 | $194 - $203 |
| After a DUI (Full Coverage) | $3,700 - $4,400 | $308 - $367 |
| Teen Driver (16–18, Full Coverage) | $7,000 - $9,000 | $580 - $750 |
| After an At-Fault Accident | $2,200 - $2,650 | $183 - $221 |
Source: bankrate.com
Note: Rates are based on averages and may not reflect your specific profile.
| Company | Avg. Annual (Min. Coverage) | Avg. Annual (Full Coverage) |
|---|---|---|
| Direct Auto | $544 | $1,700 |
| USAA | $600 | $1,260 |
| State Farm | $640 | $1,480 |
| GEICO | $720 | $1,600 |
| Nationwide | $750 | $1,650 |
Source: policygenius.com
Note: Rates are based on averages and may not reflect your specific profile.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Having a car gives you an unparalleled kind of freedom. But with that freedom comes a responsibility to other drivers: to have a minimum amount of car insurance, which protects you and other drivers on the road.
Mistakes happen, but at least with some car insurance you and the other driver are partially protected. By law, you have to have at least the following amount of car insurance before getting behind the wheel:
This is pretty standard coverage and it means that the other driver’s medical bills and car repair costs are likely to be covered if you cause an accident. And it works the other way around too: if a driver causes an accident for you, you won’t have to pay out of pocket to put yourself whole.
If you’re tempted to skip the minimum coverage, think again: the penalties for driving without the minimum coverage are steep. They include:
Driving without insurance isn’t worth it. The good news is that minimum coverage is more affordable than you might think. Stay tuned for that and more.
An SR-22 is not a separate insurance policy, it is a certificate that your insurance company files with the Mississippi Department of Public Safety (DPS) to prove you carry the state’s minimum required coverage. If you need an SR-22 in Mississippi, your insurer files it on your behalf, usually for a filing fee of $15 to $50.
Mississippi requires drivers to maintain SR-22 status for 3 years. If your policy lapses during this period, the insurer notifies the state and your license can be suspended again, and the 3-year clock resets.
A DUI in Mississippi typically raises your car insurance rates by 60–100%. Expect to pay $3,700–$4,400 per year for full coverage after a DUI conviction. Rates can decrease gradually if you maintain a clean record for 3–5 years after the incident.
Mississippi does not legally require you to carry uninsured motorist (UM) coverage, but most insurance experts strongly recommend it. Here’s why: approximately 1 in 4 drivers in Mississippi has no car insurance at all. That’s one of the highest uninsured driver rates in the entire country.
If an uninsured driver causes an accident that damages your car or injures you, your liability-only policy pays nothing for your own losses. You would have to pay out of pocket, or sue the other driver, which is often not practical.
Uninsured Motorist (UM) coverage typically costs $15–$30 per month in Mississippi. Given the state’s high uninsured driver rate, this is widely considered one of the most valuable add-ons available.
Mississippi insurers are required to offer UM coverage with every policy. If you want to decline it, you must do so in writing.
The minimum requirements are designed to be the bare minimum. But these coverage amounts can quickly get depleted in a bad accident. Plus, they leave you exposed financially since they don’t protect you and your vehicle.
So, what are your options for more coverage? Let’s explore:
These are your main coverage options that help you put together a policy above and beyond the state minimum requirements. You can pick the coverage you want and leave what you don’t, as long as you have liability.
But there’s even more coverage options that you can add onto your policy:
These are just some options out there. You might find more (or less) depending on the insurer. These optional coverages are exactly that: optional. If it makes sense for your peace of mind and your budget, add them. If not? Move on.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
No one turns down extra savings, even when they’re getting a good deal. These tips will show you how to maximize your car insurance savings, even if you’re already getting a competitive rate.
There you have it: our top tips for saving on car insurance. From Saucier to Starkville, Moss Point to West Point, and everywhere in between, Mississippians deserve and can have affordable car insurance that fits the bill. It’s as simple as that.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Getting quotes is the easy part. Understanding what you’re looking at? Not so much. But now that you’re well versed in the world of car insurance, it should be a breeze. Start by getting quotes from multiple providers, either online or by phone.
You can also reach out to an insurance agent to help guide you through the process. Be sure to have the relevant information handy, like your driver’s license, previous insurance, vehicle make and model (or VIN if you have it), and of course your personal info like address, age, gender, and more.
Once you’ve compiled at least three quotes, take your time reviewing them before choosing the winner. Rates are important, but so is good coverage that helps you out of a stressful situation if and when you might need it.
Remember: anything that seems too good to be true probably is (read this for more info). Save yourself some trouble. Get access to free quotes fast here, and get on with your day.
You’re ready to hit the gas. Now that you know what to look for, the last stop is signing on the dotted line and hitting the open road. If we can remind you of one thing, it’s that you shouldn’t settle when it comes to car insurance. And in Mississippi, where it’s more affordable than most states, you can afford to splurge on a little extra coverage that gives you peace of mind.
Don’t delay. Set up your new car insurance policy now by getting access to free quotes fast here.
We’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
The average cost of minimum liability car insurance in Mississippi is $36–$45 per month. Full coverage averages $194–$203 per month. Your actual rate will depend on your age, driving record, credit score, and the insurance company you choose.
Mississippi requires all drivers to carry at least 25/50/25 liability coverage: $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for property damage. You must also carry your insurance card at all times, digital proof is accepted.
Direct Auto is typically the cheapest car insurance in Mississippi, with minimum coverage averaging around $544 per year. USAA offers the lowest rates for military members and veterans. For full coverage, State Farm and USAA tend to offer the best value among major insurers.
Driving without insurance in Mississippi carries a fine of up to $1,000, license suspension, and potential vehicle impoundment. To get your license reinstated, you must file an SR-22 certificate and pay a $100 reinstatement fee. The SR-22 must remain on file for 3 years.
No, uninsured motorist coverage is not required in Mississippi. However, because roughly 24% of Mississippi drivers carry no insurance, one of the highest rates in the US, most insurance experts recommend adding UM coverage to your policy. It typically costs $15–$30 per month.
A DUI conviction in Mississippi typically increases your car insurance rates by 60–100%. You will also need to file an SR-22 with the state for 3 years. Many standard insurers will refuse to cover DUI drivers, so you may need to seek coverage from high-risk specialists like Direct Auto or Bristol West.
No. Mississippi is an at-fault (tort) state, meaning the driver who causes an accident is financially responsible for damages. Mississippi does not require Personal Injury Protection (PIP) coverage, though you can add it optionally.
Full coverage car insurance in Mississippi typically includes liability coverage (required by law), collision coverage (pays for damage to your car in an accident), and comprehensive coverage (pays for non-collision damage like theft, flood, fire, or hail). It costs $2,325–$2,430 per year on average. Lenders usually require full coverage if you have a car loan or lease.
The most effective ways to lower your car insurance in Mississippi include: comparing quotes from at least 3 insurers, asking for all available discounts (safe driver, multi-policy, good student), raising your deductible if you can afford it, maintaining a clean driving record, and improving your credit score. Mississippi drivers who shop around save an average of $400–$600 per year.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
