Updated January 27, 2026

How to Find the Best Car Insurance in Mississippi

Mississippi cheapest insurance

How to Find the Best Car Insurance in Mississippi

Jerry works with 13 different insurance companies in the Magnolia State, and in the past year alone we’ve helped 7,144 Mississippi drivers compare competitive quotes and make the switch.

Every driver’s situation is different, but because we’ve helped thousands of MS drivers like you, we know what matters most. We can show you real choices made by real people, including how other drivers in your state are picking their car insurance coverage.

Here’s what we’ve noticed:

  • Progressive is the single most-chosen insurer among Jerry customers in Mississippi.

  • GEICO and Mendota are next, accounting for a combined third of the state’s total market share.

  • The rest of our customers are spread across strong carriers like Bluefire, National General and others.

The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Recent quotes in Mississippi

Last Updated Jan. 25, 2026

Quick picks: Best Mississippi car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Mississippi drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

Select your driver type

Driver categoryMost popular in MS
Most driversProgressive, GEICO, Mendota
Homeowners who bundleProgressive, GEICO, Mendota
Budget-focused driversProgressive, Mendota, GEICO
Families with teen driversNational General, Progressive, Mendota
College studentsProgressive, GEICO, Mendota
Drivers with violationsProgressive, Bluefire, National General
Military driversUSAA, GEICO, Armed Forces Insurance
Senior driversProgressive, GEICO, Bluefire
Honda1

Jerry pulls up to 20 quotes from top rated carriers.

How Jerry helps Mississippi drivers find their best insurance

Most quote sites stop at “here’s the cheapest.” Jerry goes further.

For Mississippi drivers, this is what happens when you shop with us:

  • Use real data from 7,144 recent Mississippi quotes to best compare your coverage options.

  • Analyze 13 top insurers in the state against our quality criteria and your specific needs.

  • Show you highly-rated options that balance coverage, claims and cost.

  • Explain why each option makes sense for your situation.

  • Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

  • Continue monitoring market rates so you always know when it’s time to shop for better pricing.

What does that mean for MS drivers? An average annual savings of $1,106 and high satisfaction rates among drivers who switch with Jerry.

Skip the quote chaos. Answer a few quick questions and we’ll do the heavy lifting, fast.

Best car insurance for most MS drivers

Mississippi drivers have 13 insurance companies to choose from when shopping through Jerry. These carriers each bring a variety of coverages, features, benefits and prices to the table, so customers can truly shop around to find the one that offers the best balance of price and protection.

Most popular insurers in Mississippi

For most drivers in Mississippi who want full coverage and strong claims support, three companies rise to the top as customer favorites: Progressive, GEICO and Mendota. Jerry can compare them (and more) side-by-side in just minutes, so you see which one actually works for you.

Here’s a look at what they each offer and why customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.9

Customer Rating

30%

of Jerry drivers in MS chose this insurer

  • Why we recommend Progressive

Recent quotes for MS drivers

Last Updated Jan. 22, 2026

2. GEICO

4.6

Jerry Score

No

Customer Rating

19%

of Jerry drivers in MS chose this insurer

  • Why we recommend GEICO

Recent quotes for MS drivers

Last Updated Jan. 22, 2026

3. Mendota

3.2

Jerry Score

No

Customer Rating

14%

of Jerry drivers in MS chose this insurer

  • Why we recommend Mendota

Recent quotes for MS drivers

Last Updated Jan. 22, 2026

Lifestyle14

Get MS quotes in as little as 2 minutes.

Best MS car insurance for bundling home and auto

Auto insurance is one of the few things standing between an at-fault accident and a big hit to your finances. For homeowners, that matters even more because you have more to lose, from home equity to savings and other assets. That’s why many homeowner drivers look at bundling auto and home insurance to keep coverage straightforward and tap into discounts that can make a real difference.

Still, bundling isn’t required to get homeowner-friendly perks. Some carriers consider homeownership on its own and may offer special discounts or higher coverage limits even if your home policy stays with another insurance company.

In Mississippi, Jerry sees most home-owning customers choosing Progressive, GEICO and Mendota for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

40%

of Jerry drivers in MS chose this insurer

  • Why we recommend Progressive

Recent quotes for homeowners

Last Updated Jan. 22, 2026

2. GEICO

4.6

Jerry Score

4.7

Customer Rating

23%

of Jerry drivers in MS chose this insurer

  • Why we recommend GEICO

Recent quotes for homeowners

Last Updated Jan. 22, 2026

3. Mendota

3.2

Jerry Score

No

Customer Rating

10%

of Jerry drivers in MS chose this insurer

  • Why we recommend Mendota

Recent quotes for homeowners

Last Updated Jan. 22, 2026

Lifestyle4

Jerry helps you bundle home and auto for less in just minutes.

Best value for budget-focused MS drivers

If you’re watching your monthly cost but refuse to trim your coverage, our data show that Progressive, Mendota and GEICO often deliver the strongest value for Mississippi drivers. This doesn’t necessarily mean the cheapest car insurance in Mississippi, but rather the best balance of price and protection.

Over the past 12 months, Jerry has helped 3,345 Mississippi drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

23%

of Jerry drivers in MS chose this insurer

  • Why we recommend Progressive

Recent price-friendly quotes

Last Updated Jan. 25, 2026

2. Mendota

3.2

Jerry Score

No

Customer Rating

19%

of Jerry drivers in MS chose this insurer

  • Why we recommend Mendota

Recent price-friendly quotes

Last Updated Jan. 25, 2026

3. GEICO

4.6

Jerry Score

4.7

Customer Rating

27%

of Jerry drivers in MS chose this insurer

  • Why we recommend GEICO

Recent price-friendly quotes

Last Updated Jan. 25, 2026

CTA1 1

Jerry helps you save on car insurance fast.

Best car insurance for MS families with teen drivers

Adding a teen driver to your policy in Mississippi can be a shock. Between limited experience behind the wheel and higher risk factors, rates often jump fast, even if your household has a clean driving record.

The good news is you’re not stuck with the first number you see. Jerry has helped 659 MS families with teen drivers save an average of $1,528 annually, primarily with National General, Progressive and Mendota.

Here’s a look at what those carriers offer and why Jerry customers choose them most often.

1. National General

3.9

Jerry Score

4.7

Customer Rating

29%

of Jerry drivers in MS chose this insurer

  • Why we recommend National General

Recent teen driver quotes

Last Updated Jan. 27, 2026

2. Progressive

4.6

Jerry Score

4.7

Customer Rating

18%

of Jerry drivers in MS chose this insurer

  • Why we recommend Progressive


    3. Mendota

    3.2

    Jerry Score

    No

    Customer Rating

    16%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Mendota


    JERRY EXPERT INSIGHT
    The cheapest teen car insurance isn't always the best one. It's better to compare options from multiple trusted carriers; that way, you know you're protected from claims and other situations that can get expensive fast.
    Mitchell Mccray
    Mitchell Mccray
    General Lines Agent (Georgia Property & Casualty)

    Best car insurance for MS college students

    College life involves a lot of things, but “predictable driving habits” usually isn’t one of them. Students may go weeks without touching the car, then suddenly drive home for a weekend or road trip out of town. That stop-start pattern can make it surprisingly easy to end up with the wrong setup or pay for coverage you don’t really need.

    Jerry has helped 1,037 college students in Mississippi find affordable coverage that still protects them on and off campus. Progressive, GEICO and Mendota are the most common choices for college students buying auto insurance through Jerry. Here’s why.

    1. Progressive

    4.6

    Jerry Score

    4.7

    Customer Rating

    27%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Progressive

    Recent college driver quotes

    Last Updated Jan. 22, 2026

    2. GEICO

    4.6

    Jerry Score

    4.6

    Customer Rating

    20%

    of Jerry drivers in MS chose this insurer

    • Why we recommend GEICO

    Recent college driver quotes

    Last Updated Jan. 22, 2026

    3. Mendota

    3.2

    Jerry Score

    No

    Customer Rating

    13%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Mendota

    Recent college driver quotes

    Last Updated Jan. 22, 2026

    Audi2

    Fast track your MS insurance with Jerry.

    Best MS car insurance for drivers with violations

    One mistake on the road can change your insurance pricing for years. Tickets, at-fault accidents and DUIs often trigger “high-risk” rates and can narrow the list of carriers willing to write your policy. Still, you have options, and you don’t have to overpay just because your record isn’t spotless.

    Jerry has helped 1,198 Mississippi drivers with violations find coverage this past year at affordable prices. We also monitor rates and flag the right time to shop again once those violations age out, so you can potentially save even more.

    In fact, many Jerry drivers with violations end up with Progressive, Bluefire and National General — carriers that are often more flexible with Mississippi drivers who have violations on their record.

    1. Progressive

    4.6

    Jerry Score

    4.7

    Customer Rating

    33%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Progressive

    Recent quotes post-violation

    Last Updated Jan. 23, 2026

    2. Bluefire

    3.1

    Jerry Score

    No

    Customer Rating

    15%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Bluefire

    Recent quotes post-violation

    Last Updated Jan. 23, 2026

    3. National General

    3.9

    Jerry Score

    4.8

    Customer Rating

    14%

    of Jerry drivers in MS chose this insurer

    • Why we recommend National General

    Recent quotes post-violation

    Last Updated Jan. 23, 2026

    JERRY EXPERT INSIGHT
    Buying just minimum coverage can be tempting after a ticket or accident, but it’s rarely a smart move in the long-term. Instead, price out a few different coverage levels, adjust your deductible and compare the options.
    Rebekah Bahruth
    Rebekah Bahruth
    General Lines Agent (Florida Property & Casualty)

    Car insurance options for MS military families

    Whether you’re active-duty, reserve, guard or veteran, military life often means more change, different driving routines, longer storage periods and frequent state-to-state moves. Jerry has helped Mississippi military families find coverage that can handle deployments, PCS moves and everything in between.

    If you qualify for military-focused insurers, they should be part of the mix. Many standard insurers also offer strong military discounts and policy flexibility, and Jerry can quote and compare them side-by-side.

    Here’s how to think about your options.

    Option A: Military-only insurers to check directly

    Some companies are built specifically for military members and their families. These include USAA, Navy Federal, Armed Forces Insurance and similar providers.
    If you’re eligible, they at least belong on your short list. That’s because they’re designed around deployments, PCS orders and frequent moves. These insurers often have storage or reduced-use options when your car sits on base or at home during deployment. Additionally, their customer service teams understand military pay, orders and timelines in a way civilian-focused insurers sometimes don’t.

    Because of how these insurers work, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the smart move is to:
    1. Use Jerry to see how strong your options are with standard insurers, then
    2. Get a direct quote from one or more military-only insurers and compare.

    That way, you’re not guessing. You’re stacking their offer against real, competitive market pricing.

    Option B: Standard insurers with strong military benefits (that Jerry can quote)

    Military-only providers are not the only option. Several national insurers offer military discounts, handle deployments and out-of-state moves well and are already tightly integrated with Jerry’s quote and switch flow.

    For many MS military families, GEICO, State Farm and Progressive are common contenders.

    1. GEICO

    Best for: Deployment flexibility with strong discount potential

    Why it often works well for service members:

    • Military discounts plus options to adjust coverage when you deploy or drive less.

    • 24/7 support that’s practical for OCONUS and rotating schedules.

    • Fast app access for proof of insurance, claims and policy changes.

    2. State Farm

    Best for: Base-to-base moves with in-person help

    Why it often works well:

    • Extensive agent network that can travel with you across states.

    • Strong local presence in many military communities.

    • Simple bundling when you add home or condo protection.

    3. Progressive

    Best for: Changing routines and digital management

    Why it could be a good fit:

    • Competitive pricing across many profiles, including frequent movers.

    • Self-serve tools to update address, mileage and garaging.

    • Popular add-ons like rental and roadside for times when you’re away from home support.

    Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Mississippi.

    lifestyle2

    Get personalized car insurance rates now.

    Best car insurance for senior drivers in Mississippi

    For many Mississippi drivers over 65, the best policy is the one that feels boring in the best way: it works, it’s clear, and it’s backed by a carrier that’s easy to deal with. Jerry recommends Progressive, GEICO and Bluefire for seniors who care about service, stability and long-term value.

    In the last 12 months, we’ve helped 383 Mississippi seniors find coverage that aligns with how they drive now and the protection they want.

    1. Progressive

    4.6

    Jerry Score

    4.8

    Customer Rating

    41%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Progressive

    Recent senior driver quotes

    Last Updated Jan. 22, 2026

    2. GEICO

    4.6

    Jerry Score

    4.5

    Customer Rating

    19%

    of Jerry drivers in MS chose this insurer

    • Why we recommend GEICO

    Recent senior driver quotes

    Last Updated Jan. 22, 2026

    3. Bluefire

    3.1

    Jerry Score

    No

    Customer Rating

    11%

    of Jerry drivers in MS chose this insurer

    • Why we recommend Bluefire

    Recent senior driver quotes

    Last Updated Jan. 22, 2026

    Lifestyle9

    See coverage options for your car.

    How Jerry picks the best insurers in Mississippi

    Most sites just sort companies by price. Jerry does more. 

    No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Mississippi driver data, this score evaluates insurers on:

    Customer satisfaction

    What customers say after they’ve filed a claim or made changes, not just when they first buy.

    Value for your money

    The best balance of price and protection, not just the lowest premium on the page.

    Claims experience

    How quickly and fairly claims get paid, especially after real crashes and storm damage.

    Financial strength

    Whether the company has the backing to pay out when major events hit.

    Quality of coverage

    How easy it is to get high liability limits, comprehensive and collision, and useful add-ons like rental reimbursement and roadside.

    Product availability

    Where coverage is offered, the protections available and what sort of add-ons customers can choose from to truly customize their policy.

    The result? We show you a short list of options tailored to how you actually drive and what you actually own.

    Lifestyle1

    Drivers who switch with Jerry save an average of $54/mo on car insurance.

    Expert-driven. Built for you.
    Our experts
    meet-experts-thumbnail
    Stephanie Colestock

    Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

    Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

    When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

    Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
    Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
    Let Jerry find you personalized quotes in minutes.