Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Mississippi
Jerry is a free app trusted by 9,390 Mississippi drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Mississippi car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in Mississippi, Jerry drivers pay:
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$55 to $110 per month for state-mandated minimum coverage.
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$175 to $445 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 $1,046 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
Mississippi ranks among the most expensive states for home insurance, with hurricane risk along the Gulf Coast and severe thunderstorms and tornadoes further inland. Bundling home and auto insurance is one of the best ways to offset those high premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Mississippi drivers are paying with Jerry
If you want to make sure you’re not overpaying for car insurance, comparing quotes from multiple carriers is the best place to start. Whether you’re building a policy from scratch, matching your current coverage or hunting for the cheapest car insurance in Mississippi, it helps to see your options side by side.
That matters in Mississippi, where rates tend to run higher than the national average despite a lower cost of living. Uninsured motorist rates, severe weather exposure, and a mix of rural highway driving and metro traffic in Jackson and along the Gulf Coast all play a role. Jerry works with Mississippi drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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 (UM/UIIM) protection is also recommended.
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Coverage definitions
Factors affecting Mississippi car insurance rates in 2026
Hurricanes, flooding, and tornadoes
Severe weather is a regular part of life in Mississippi, from tropical systems and tornado outbreaks to heavy rain that floods roads and parking lots. We recommend keeping comprehensive coverage to pay for non-collision storm damage.
Deer collisions
Mississippi ranks among the top states in the country for deer-related crashes, especially during fall. Comprehensive coverage is what typically pays for animal impacts, so it’s worth keeping if you spend any time on darker rural routes.
High-speed rural crash severity
Outside major towns, higher speeds and two-lane roads mean crashes tend to be more severe and more expensive. Carry collision coverage so your car is protected after an accident, especially if you rely on your vehicle for a daily commute.
Uninsured drivers
More than one in four Mississippi drivers is uninsured, according to the IRC, one of the highest rates in the country. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re not left covering someone else’s mistake out of pocket.
Rural road hazards
Many Mississippi roads have limited lighting, narrow shoulders and debris after storms, all of which raise the chance of an accident even for careful drivers. Slow down at night and after severe weather, and keep collision coverage active so you’re protected when conditions work against you.
Limited repair access
In less-populated parts of the state, tow distances are longer and repair shop options can be limited, which drives up the total cost of a claim. Check whether your policy includes roadside assistance, and set a deductible you can comfortably cover.
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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|---|---|
| $302 | |
| $271 | |
| $272 | |
| $262 | |
| $294 | |
| $284 | |
| $259 | |
| $235 |
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.
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.