Cheap Car Insurance in Mississippi (May 2025)

Written by Ben Moore and 1 other
Updated Mar 26, 2025
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Cheap Car Insurance in Mississippi (May 2025)

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Key Takeaway
  • Bluefire, Mendota and Progressive offer some of the cheapest car insurance in Mississippi.
  • The average cost of minimum coverage in Mississippi is around $100 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Mississippi.

If you need cheap car insurance in Mississippi, consider companies like Bluefire, Mendota and Progressive. These insurers are regularly among the cheapest options in the state, according to real quotes for Jerry customers.

Here are more affordable providers in Mississippi, including for minimum and full coverage across different ages, driving histories and credit scores.

COMPARE CHEAP CAR INSURANCE QUOTES IN MISSISSIPPI

Cheap liability car insurance in Mississippi

Below are the cheapest auto insurers in Mississippi for minimum coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $51 $607
Bluefire $68 $811
Mendota $80 $964
National General $83 $992
Progressive $90 $1,075
First Acceptance $93 $1,118
Gainsco $95 $1,138
Bristol West $103 $1,238
Trexis $112 $1,340
Clearcover $160 $1,919
Last Updated May 2, 2025

Minimum car insurance requirements in Mississippi

Drivers in Mississippi must carry these minimum car insurance coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.

More: Cheapest car insurance in Jackson, Mississippi

Cheap full coverage car insurance in Mississippi

Here are the most affordable insurers in Mississippi for full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $158 $1,896
Bluefire $173 $2,077
Progressive $190 $2,276
Safeco $199 $2,388
First Acceptance $213 $2,554
National General $227 $2,720
Mendota $245 $2,943
Gainsco $247 $2,968
Assurance America $268 $3,216
Root $300 $3,598
Last Updated May 1, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Mississippi

Below are the average costs of car insurance in Mississippi for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $349 $4,189
21-24 $233 $2,801
Last Updated May 1, 2025

Cheap liability car insurance in Mississippi for a 20-year-old

These are the cheapest car insurance companies in Mississippi for 20-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $131 $1,576
Trexis $132 $1,585
National General $142 $1,704
Progressive $185 $2,215
First Acceptance $185 $2,223
Last Updated May 1, 2025

Cheap full coverage in Mississippi for a 20-year-old

These are the cheapest car insurance companies in Mississippi for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $323 $3,877
Progressive $393 $4,722
Trexis $444 $5,334
Mendota $470 $5,641
Root $486 $5,828
Last Updated May 1, 2025

Average auto insurance costs for mature drivers in Mississippi (25-54)

Below are the average costs of car insurance for drivers in Mississippi between the ages of 25 and 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $181 $2,167
35-44 $167 $1,999
45-54 $146 $1,748
Last Updated May 2, 2025

Cheapest liability car insurance in Mississippi for a 35-year-old

These are the cheapest car insurance companies in Mississippi for 35-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $58 $692
Progressive $59 $713
First Acceptance $87 $1,048
Bluefire $91 $1,097
National General $92 $1,103
Last Updated May 1, 2025

Cheapest full coverage in Mississippi for a 35-year-old

Here are the most affordable insurers in Mississippi for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $189 $2,273
Progressive $208 $2,492
Mendota $213 $2,551
National General $243 $2,911
Gainsco $244 $2,932
Last Updated May 1, 2025

Average car insurance costs for older drivers in Mississippi (55+)

Below are the average costs of car insurance for drivers in Mississippi aged 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $129 $1,548
65+ $143 $1,714
Last Updated May 2, 2025

Cheapest liability car insurance in Mississippi for a 65-year-old

Here are the most affordable insurers in Mississippi for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $42 $502
Gainsco $45 $537
Trexis $52 $620
Bluefire $58 $699
Bristol West $65 $784
Last Updated May 1, 2025

Cheapest full coverage in Mississippi for a 65-year-old

These are the cheapest car insurance companies in Mississippi for 65-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $111 $1,335
Safeco $131 $1,569
Mendota $149 $1,784
Progressive $156 $1,869
National General $201 $2,415
Last Updated May 1, 2025

Cheapest car insurance in Mississippi by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Mississippi

These are the cheapest car insurance companies in Mississippi for drivers with clean driving histories, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $82 $985
First Acceptance $91 $1,086
Bluefire $131 $1,576
Progressive $138 $1,657
Gainsco $148 $1,779
Last Updated May 1, 2025

Cheapest car insurance with a speeding ticket in Mississippi

Here are the most affordable insurers in Mississippi for those with a speeding ticket, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
First Acceptance $107 $1,283
Progressive $138 $1,662
Bluefire $141 $1,698
Gainsco $165 $1,985
Safeco $167 $1,999
Last Updated May 3, 2025

Cheapest car insurance after an at-fault accident with no injury in Mississippi

These are the cheapest car insurance companies in Mississippi for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $84 $1,010
First Acceptance $107 $1,280
Bluefire $145 $1,742
Safeco $165 $1,977
National General $193 $2,322
Last Updated May 1, 2025

Cheapest auto insurance after an at-fault accident with injury in Mississippi

Below are the cheapest auto insurers in Mississippi for people with an at-fault accident with injury on their driving record.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $77 $918
First Acceptance $91 $1,096
Mendota $104 $1,252
National General $140 $1,677
Gainsco $192 $2,309
Last Updated May 1, 2025

Cheapest car insurance with a DUI in Mississippi

Here are the most affordable insurers in Mississippi for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
First Acceptance $109 $1,306
National General $127 $1,519
Bluefire $142 $1,703
Gainsco $220 $2,639
Mendota $223 $2,672
Last Updated May 3, 2025

Average auto insurance costs for Mississippi drivers with other violations

Below are average car insurance costs in Mississippi for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $150 $1,801
Cell Phone $295 $3,545
Defective Equipment $74 $887
Driving on Sus. License $122 $1,467
Failure to Obey Traffic Sign $89 $1,067
Last Updated May 2, 2025

Cheapest auto insurance for low credit scores in Mississippi

You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Mississippi use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Mississippi for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Electric $82 $986
First Acceptance $95 $1,138
The General $123 $1,474
Bluefire $124 $1,489
Progressive $151 $1,817
Last Updated May 1, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Mississippi

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Mississippi

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible amount.

More: How car insurance rates are calculated

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.