Claire Smith Last Updated On: July 25, 2023

Cheap Auto Insurance in Mississippi Is Around the Corner

Green means go. It also means more bills in your wallet, which is what we like to see. If you’re thinking about switching car insurance providers or shopping for insurance for the first time, you’re going to want to read this first.

We cover everything you could want to know about car insurance in Mississippi, including rates, discounts, coverage options, and more. Living in the Magnolia state is sweet. But it’s about to get even sweeter.

Keep reading.

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Table of Contents

Mississippi Car Insurance Requirements

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:

  • Bodily injury of $25,000 per person
  • Bodily injury of $50,000 per accident
  • Property damage of $25,000 per accident

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:

  • Fines (up to $500)
  • License suspension (up to one year or until you can provide proof of insurance)
  • Proof of SR-22 form (this will almost definitely increase your insurance rates)
  • License reinstatement and renewal fees

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.

Optional Mississippi Car Insurance Coverage

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:

  • Liability: This covers the other driver’s medical bills (bodily injury) in an accident you cause, plus their vehicle repair costs (property damage). It also helps protect you if you’re sued after an accident.
  • Collision: If your vehicle collides with another, this helps cover the repair costs of your car, up to your coverage limits.
  • Comprehensive: If your vehicle suffers damage from another source, such as weather, theft, vandalism, or hitting an animal, this helps cover repair costs up to your coverage limits.
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have car insurance or doesn’t have enough of it, this helps cover the difference.
  • Medical Payments (MedPay): If you’re injured in an accident, this helps cover the medical bills of you and your passengers, regardless of who was at fault for the accident.
  • Personal Injury Protection (PIP): Just like MedPay, PIP helps cover the medical bills of you and your passengers, but also added expenses from the accident, like lost wages and childcare.
    • Usually, you would choose either PIP or MedPay (if any), as having both coverage options is redundant. And if you have great health insurance, you might not need either.

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:

  • Roadside Assistance: If your vehicle breaks down, this covers a tow to a nearby repair shop plus some minor roadside repairs.
  • Gap: If your vehicle is totalled and the amount you still owe on the loan is more than the depreciated value, this covers the difference. 
  • Rideshare: If you drive for services like Uber and Lyft, you’ll need more coverage to protect you and your passengers.
  • Rental Car Reimbursement: If your vehicle is being repaired, this covers your rental car. Find out more here.
  • Accident Forgiveness: This forgives your first accident so that your insurance premiums don’t go up.

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.

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How Much Is Car Insurance in Mississippi?

We know this is the question on everyone’s mind when they start to explore car insurance. It can be a big expense, and because it’s not optional if you want to drive, it’s important to understand what you can expect to pay.

The good news is, car insurance is affordable in Mississippi. In fact, it ranks among the top 20 states with the cheapest auto insurance. This is likely due to low population density and fewer natural disasters.

Minimum coverage will set you back, on average, $523 per year, while full coverage costs $1,112 per year on average.

These numbers can vary widely depending on a number of factors, including:

  • Your age
  • Your gender
  • Your vehicle
  • Your driving history
  • Your insurance claims history
  • Your location
  • Your driving habits

For example, drivers with a violation on their record pay $1,370 per year, while an 18-year-old will pay $2,680 per year.

Even though Mississippi car insurance is known to be affordable, you can still benefit from savings. More on that next.

5 Steps to Find Cheap Auto Insurance in Mississippi

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.

  1. Gather Quotes: You need at least three quotes from different providers to ensure you’re getting a deal. You want to be sure you’re comparing apples to apples, so pay attention to coverage, deductibles, premiums, customer service ratings, and any perks that help sweeten the deal like an app or partnership discounts.

  2. Ask for Discounts: Speaking of, most insurers offer discounts and you deserve them. Ask for any you think you might be eligible for and try to stack multiple discounts to really multiply your savings. Common discounts include:
    1. Safe driver
    2. New client
    3. Loyal client
    4. Homeowner
    5. Multi car

  3. Raise Your Deductible: Proceed with caution, but raising your deductible automatically lowers your premiums. You will have to pay more to get a claim paid, but your monthly/annual premiums can nosedive and possibly save you more in the long run.

  4. Review Your Coverage: You should be taking an active interest in your car insurance policy. After all, you’re paying for it and expecting it to protect you should anything happen. Know what you’re paying for, remove any unnecessary coverage, and compare quotes annually before renewing to ensure you still have the best deal.

  5. Drive Safely: We might be stating the obvious, but this is how to make the biggest impact on your rates long term. Avoiding accidents (as much as you can) and any speeding tickets or other violations will keep your rates down and help you earn a safe driver discount.

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.

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How to Get Mississippi Auto Insurance Quotes

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.

Find Mississippi Auto Insurance Now

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.

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