Compare car insurance quotes in Mississippi
Jerry is a free app trusted by 9,084 Mississippi drivers that compares insurance quotes from top carriers.
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Average Mississippi car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Mississippi, Jerry drivers pay:
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$55 to $111 per month for state-mandated minimum coverage.
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$175 to $444 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Mississippians save an average of $1,121 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Mississippi car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Mississippi have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Mississippi is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Mississippi drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Mississippi that you can find.
Jerry helps you compare quotes from up to 13 trusted insurers in the Magnolia State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for Mississippi drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Mississippi
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Mississippi car insurance coverage requirements
Drivers in Mississippi are legally required to carry liability insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
While this is the minimum insurance you need to get behind the wheel in Mississippi, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that over 28% of Mississippi drivers are uninsured, buying uninsured/underinsured motorist (UIM) protection is also recommended.
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Coverage definitions
Factors affecting Mississippi car insurance rates in 2026
Hurricanes, flooding, and tornado risk
Severe weather is a regular part of life in Mississippi, from tropical systems to tornado outbreaks and heavy rain that floods roads and parking lots. Comprehensive coverage is typically what applies to non-collision storm damage, which is why it’s a key layer of protection here.
Deer collision risk
Mississippi ranks among the top states for deer-related crashes, especially in the fall. Impacts with animals usually fall under comprehensive coverage (not collision), so it’s worth keeping if you drive on darker rural routes.
High-speed rural crash severity
Outside major towns, higher speeds and two-lane roads can lead to more serious at-fault crashes and more expensive repairs. Collision coverage helps pay to fix your own vehicle after an accident, and it can be especially important if you rely on your car daily.
Uninsured drivers
Over 28% of Mississippi drivers are uninsured. UM/UIM coverage is a critical safeguard if you want protection when the other driver has little or no insurance.
Limited lighting and roadway hazards
Many rural roads have less lighting, narrow shoulders, and more debris after storms, which can increase the chance of a loss even for careful drivers. Slowing down at night and after severe weather can reduce your odds of a claim.
Repair access and towing distances
In less-populated areas, towing can be farther and repair options more limited, which can increase the total cost of a claim. Checking whether your policy includes towing or roadside assistance can help keep those secondary costs from piling up.
Average cost of car insurance in major Mississippi cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $298 | |
| $271 | |
| $253 | |
| $266 | |
| $295 | |
| $284 | |
| $232 | |
| $259 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Mississippi quotes in as little as 2 minutes.
Learn more about driving in Mississippi
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
FAQ
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Is Mississippi an at-fault state for car accidents?
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Can I show proof of insurance on my phone in Mississippi?
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What happens if I drive without insurance in Mississippi?
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Does Mississippi require uninsured motorist coverage?
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.