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.
To find the best car insurance in Mississippi, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Mississippi
For drivers in Mississippi, selecting a basic liability policy is an easy way to maintain insurance compliance at a low cost. It covers the expenses of other parties when you’re found at fault, though your vehicle won’t be covered.
Below are the cheapest auto insurers in Mississippi for minimum coverage. Mississippi drivers should explore offers from several companies to find the right deal for their situation.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $71 | $853 |
| Mendota | $78 | $937 |
| National General | $82 | $980 |
| Gainsco | $91 | $1,088 |
| Progressive | $92 | $1,107 |
| Safeco | $94 | $1,131 |
| First Acceptance | $96 | $1,158 |
| Bristol West | $101 | $1,211 |
| Trexis | $117 | $1,403 |
| ROOT | $195 | $2,344 |
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
Shopping for cheap full coverage auto insurance in Mississippi means balancing protection and affordability in one policy. Full coverage combines liability, collision and comprehensive protection. These coverages handle risks like traffic accidents, vandalism, storm damage and theft — covering both your own vehicle and those of others. If your vehicle would be difficult to repair or replace out of pocket, full coverage often makes financial sense.
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 | $182 | $2,180 |
| Assurance America | $191 | $2,298 |
| Progressive | $211 | $2,528 |
| Mendota | $243 | $2,917 |
| National General | $250 | $3,002 |
| Gainsco | $285 | $3,424 |
| ROOT | $288 | $3,460 |
| Electric | $297 | $3,566 |
| Dairyland | $349 | $4,189 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Mississippi
Auto insurers in Mississippi raise premiums for younger drivers because of their limited experience and higher accident frequency. This group is seen as more unpredictable, which drives up the cost of coverage as age-based pricing still applies, regardless of driving history. Discounts for driver’s ed and good grades can help reduce premiums in Mississippi.
Below are the average costs of car insurance in Mississippi for drivers between 18 and 24, according to real car insurance quotes from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $314 | $3,772 |
| 21-24 | $234 | $2,804 |
Cheap liability car insurance in Mississippi for a 20-year-old
Mississippi drivers in their early twenties often look to liability-only insurance to meet legal requirements without inflating their bills. This approach is especially useful when driving an inexpensive or older vehicle. It’s a cost-saving strategy that fits the lifestyle of many young adults.
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 | $127 | $1,530 |
| Trexis | $132 | $1,585 |
| National General | $141 | $1,690 |
| Bluefire | $146 | $1,748 |
| First Acceptance | $147 | $1,758 |
Cheap full coverage in Mississippi for a 20-year-old
A 20-year-old in Mississippi could benefit from full coverage to guard against both vehicle damage and unexpected events. This policy gives them peace of mind as they build their driving history and it’s particularly useful if they’re relying on their car for work or school.
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 | $313 | $3,760 |
| Progressive | $363 | $4,354 |
| ROOT | $385 | $4,618 |
| Trexis | $394 | $4,731 |
| Mendota | $433 | $5,193 |
Average auto insurance costs for mature drivers in Mississippi (25-54)
Mississippi drivers with more years on the road generally pay less for car insurance because they’re considered more dependable. A clean driving history shows insurers that they’re less likely to file a claim and this reduced liability is reflected in more affordable rates.
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 | $194 | $2,326 |
| 35-44 | $172 | $2,069 |
| 45-54 | $149 | $1,782 |
Cheapest liability car insurance in Mississippi for a 35-year-old
In Mississippi, a 35-year-old may find liability-only insurance to be the right fit for an older car with diminishing value. With years of road familiarity and a solid driving history, extra coverage might feel unnecessary.
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
|
|---|---|---|
| Progressive | $57 | $685 |
| Mendota | $58 | $692 |
| First Acceptance | $91 | $1,086 |
| National General | $95 | $1,138 |
| Bristol West | $103 | $1,241 |
Cheapest full coverage in Mississippi for a 35-year-old
A 35-year-old in Mississippi might favor full coverage insurance to guard against storm damage, collisions and everyday driving risks. The added protection can soften the blow of costly repairs or loss. Drivers with moderate commutes may appreciate the confidence this policy provides and it can be a wise step for anyone looking to protect their vehicle.
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 | $196 | $2,346 |
| ROOT | $200 | $2,394 |
| Mendota | $223 | $2,676 |
| Progressive | $248 | $2,973 |
| National General | $252 | $3,024 |
Average car insurance costs for older drivers in Mississippi (55+)
In Mississippi, drivers over 55 may begin to see higher premiums as insurers respond to age-related safety risks. Whether driving through rural areas or city streets, diminished vision and delayed response times factor into pricing. Even cautious driving can’t fully offset age-based evaluations and these changes are designed to prepare for potential increases in claim likelihood.
Below are the average costs of car insurance for senior drivers in Mississippi aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $134 | $1,609 |
| 65+ | $140 | $1,685 |
Cheapest liability car insurance in Mississippi for a 65-year-old
In Mississippi, drivers over 65 often opt for liability-only insurance when their daily routes are short and predictable. Without a need for extended coverage on an older vehicle, this approach saves money while keeping things simple. That balance can work well for those easing into retirement life.
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
|
|---|---|---|
| Progressive | $42 | $502 |
| Bristol West | $46 | $556 |
| Bluefire | $51 | $618 |
| National General | $68 | $813 |
Cheapest full coverage in Mississippi for a 65-year-old
A 65-year-old in Mississippi may prefer full coverage insurance to guard against weather damage and road incidents. Maintaining financial stability by preventing unexpected expenses can be important as many seniors rely on their vehicles for independence in retirement.
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 | $124 | $1,488 |
| Mendota | $136 | $1,627 |
| Progressive | $161 | $1,930 |
| ROOT | $178 | $2,136 |
| Bristol West | $180 | $2,164 |
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, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Mississippi
Having a clean record in Mississippi shows insurers that you’re a dependable and responsible driver. It often results in better options and lower rates since insurers value consistency.
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
|
|---|---|---|
| First Acceptance | $93 | $1,117 |
| Safeco | $94 | $1,131 |
| Bluefire | $136 | $1,632 |
| Progressive | $150 | $1,798 |
| Gainsco | $150 | $1,804 |
Cheapest car insurance with a speeding ticket in Mississippi
A speeding ticket in Mississippi may trigger an insurance review. It’s seen as a moment where safety standards were not maintained and while not as serious as some violations, it still impacts your driver profile.
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 | $115 | $1,385 |
| Bluefire | $166 | $1,992 |
| Progressive | $181 | $2,171 |
| Mendota | $185 | $2,220 |
| National General | $214 | $2,567 |
Cheapest car insurance after an at-fault accident with no injury in Mississippi
Being at fault in a non-injury accident in Mississippi still plays a role in your insurance assessment. Property damage alone is enough to raise concerns and these claims signal potential future risks to insurers. As a result, your premiums or terms might be adjusted.
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 | $114 | $1,369 |
| Bluefire | $157 | $1,886 |
| Electric | $185 | $2,225 |
| Mendota | $190 | $2,281 |
Cheapest auto insurance after an at-fault accident with injury in Mississippi
An accident involving injuries where you're at fault in Mississippi is a significant event for insurers. These incidents tend to come with large payouts and often, your risk level is re-evaluated, which can affect your current and future policies.
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
|
|---|---|---|
| Mendota | $87 | $1,040 |
| Progressive | $97 | $1,166 |
| First Acceptance | $115 | $1,376 |
| National General | $148 | $1,778 |
| Bluefire | $243 | $2,917 |
Cheapest car insurance with a DUI in Mississippi
Mississippi treats DUIs as serious infractions with long-term insurance consequences. Insurers may raise premiums and restrict the types of coverage you can receive as a DUI reflects a disregard for both legal and safety standards.
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 |
| Bluefire | $142 | $1,703 |
| National General | $173 | $2,071 |
| Mendota | $223 | $2,672 |
| Progressive | $257 | $3,084 |
Average auto insurance costs for Mississippi drivers with other violations
Other traffic violations in Mississippi, such as failing to stop or driving with an expired license, are tracked by insurers. These actions indicate lapses in judgment and safety awareness and frequent violations can result in fewer options and higher costs.
Below are average car insurance costs in Mississippi for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $245 | $2,943 |
| Cell Phone | $295 | $3,545 |
| Defective Equipment | $73 | $875 |
| Driving on Sus. License | $124 | $1,491 |
| Failure to Obey Traffic Sign | $91 | $1,097 |
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
|
|---|---|---|
| The General | $84 | $1,010 |
| First Acceptance | $93 | $1,117 |
| Electric | $119 | $1,427 |
| Bluefire | $135 | $1,617 |
| Mendota | $140 | $1,679 |
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:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
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.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
