Good news for Mississippi drivers: Jerry’s latest data shows that liability coverage in the Magnolia State averages about $250 per month, making Mississippi one of the more affordable states for basic coverage. Over the past year, we’ve helped 3,598 Mississippians secure cheaper insurance, and those who buy through Jerry save an average of $604 a year without losing protection they actually need.
Jerry compares quotes from up to 11 trusted insurers in Mississippi to help you build a policy and find your best price in minutes.
Save on Mississippi insurance with Jerry
What Mississippi drivers are paying right now
Car insurance prices in Mississippi move with storm seasons, rural crash trends and claim activity. Even with similar driving records, two drivers can end up with very different rates depending on whether they live along the Gulf Coast, in Jackson’s urban traffic or in quieter Delta towns where wildlife collisions spike during fall migration.
Jerry tracks live quotes statewide to show you what drivers are paying today. Here are a few recent full coverage examples purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate now and then. In Mississippi, everything from hurricane impacts to shifts in rural crash data can nudge your premium by renewal time.
4 smart ways Jerry helps Mississippi drivers save on car insurance
If you’re trying to lower your car insurance costs in Mississippi, you’re in good company. But the lowest sticker price isn’t always the best deal. Real savings come from understanding what shapes your rate and what you can adjust without giving up important coverage.
Jerry compares real quotes, surfaces discounts you might miss and shows you exactly where you can save with confidence.
Here are our best tips to help you spend less and stress less.
| How to save | Average Mississippi driver savings |
|---|---|
| Compare quotes | 30% to 45% |
| Stack discounts | 28% to 52% |
| Pick the right deductible | 16% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Mississippi’s insurance market varies sharply by region. Coastal counties see higher comprehensive losses from hurricanes, while rural counties face elevated deer-strike rates. In fact, Mississippi ranks among the top states for wildlife collisions.
Every insurer weighs these risks differently, which can swing your price by hundreds of dollars. Comparing quotes side by side with Jerry is the fastest way to make sure you’re not overpaying.
Here’s where Mississippi drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Mississippi drivers who switched | Average Jerry savings |
|---|---|---|
| Bluefire Ignite | 31% | 32% |
| National General | 31% | 19% |
| Gainsco | 19% | 19% |
| Progressive | 13% | 12% |
| First Acceptance | 6% | 59% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Shopping around can cut your Mississippi insurance by more than half. Jerry shows price differences instantly so you can choose coverage that fits your budget, not just your ZIP code.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many Mississippi drivers qualify for multiple discounts like safe-driver incentives, bundling, good-student savings, paperless billing and anti-theft devices. But insurers don’t always apply them automatically.
Jerry checks the discounts you qualify for so savings don’t slip through the cracks.
Key takeaway: Stacking discounts often delivers more meaningful savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible can shift your premium significantly. Mississippi drivers deal with everything from hail in the north to flooding and debris damage along the coast, so choose a deductible you can comfortably cover if you need to file a claim.
Here’s what many Jerry drivers tend to choose for their deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry updates this monthly).
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Pick an amount you could realistically afford on short notice.
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Compare how each deductible level impacts your price in real time.
The Jerry difference: Jerry shows instant savings across multiple deductible levels so you can find the right balance of cost and protection.
Jerry Agent Tip 4: Use telematics to lower your rate
Telematics programs can help Mississippi drivers cut their premiums by tracking safer driving habits like smoother braking, lower mileage and avoiding late-night rural driving where deer collisions spike. These programs reward what you’re already doing right.
Jerry’s DriveShield takes it further by monitoring your driving, scoring your habits and automatically shopping for lower rates when your score qualifies for a discount. We only share your drive score if it can truly lower your premium. Jerry drivers save an average of 6% with telematics.
Get personalized car insurance rates now
How to get better coverage without overpaying
Mississippi requires 25/50/25 liability insurance, but that minimum doesn’t cover damage to your own vehicle. Here are the most common coverage tiers and how much you can expect to pay.
Minimum
$54 – $107/mo
Only meets state liability requirements and doesn’t cover your own vehicle.
Full
$120 – $305/mo
Adds collision and comprehensive, typically required for financed or leased cars.
Standard
$177 – $446/mo
Includes uninsured and underinsured motorist and medical payments, helpful in regions with higher injury claim rates.
Preferred
$240 – $700/mo
Protects better with higher liability limits, lower deductibles and extras like rental reimbursement or towing.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time prices across all coverage tiers so you can choose with confidence.
The cheapest insurance in Mississippi is state minimum liability. However, adding a few important coverages can better protect you from loss. Here’s a look at what each type offers.
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Coverage definitions
Mississippi insurance factors at a glance
Mississippi’s insurance prices reflect the realities of driving here: long rural stretches, severe weather and higher-than-average wildlife activity. Here are some of the most important factors and why they matter.
Storm exposure
Hurricanes, flooding and tornadoes in Mississippi can cause camage and result in comprehensive claims.
Wildlife collisions
Mississippi ranks among the top states for deer crashes, especially in the fall months. (Animal collisions fall under comprehensive, by the way!)
Rural crash severity
Higher speeds on rural roads can lead to at-fault accidents and costlier claims, making collision coverage a wise addition to many policies.
Uninsured drivers
Over 28% of Mississippi drivers are uninsured. UM/UIM is essential if you want to protect yourself from other drivers with inadequate coverage.
Mississippi Insurance After a Ticket, Accident or SR-22
A single mistake shouldn’t define your insurance rate forever. And with Jerry, it doesn’t.
Jerry partners with insurers that take a balanced approach to past violations and automatically re-shops your policy as your record improves.
If you got a ticket
Mississippi assigns points for speeding and other violations. Too many points can trigger license actions or require safety courses, but even a single ticket can raise your premium 15% to 30%.
Jerry searches for lower prices once the violation clears so you’re not paying more than necessary.
Here are the average rate increases we’ve seen for Mississippi drivers after a ticket:
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Speeding over 15: 3%
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Reckless driving: 61%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Mississippi is an at-fault state. An at-fault accident typically raises premiums by 9%, and the increase may last three to five years.
Jerry helps you secure your lowest available rate right away and re-shops your coverage once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI conviction in Mississippi often raises ratesandcomes with strict penalties. Prices stay elevated for years, but some insurers offer more competitive options for high-risk drivers.
Jerry identifies those carriers and re-shops your policy as your record improves.
Here are the five cheapest insurers in Mississippi for drivers with a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $172 | Yes | |
| $177 | Yes | |
| $208 | Yes | |
| $239 | Yes | |
| $255 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Mississippi
Mississippi may require an SR-22 filing after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and you’ll see only insurers that handle the filing. Many carriers charge about $25 per year to submit it.
Car Insurance with Bad Credit
Mississippi allows insurers to use credit-based insurance scores, which means your credit can influence your rate. Even so, continuous coverage, a clean record and smart deductible choices often have a bigger impact on long-term savings.
Jerry helps you compare quotes instantly so you always land your best price.
Average rates in Mississippi by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Mississippi’s mix of rural roads, storm exposure and high wildlife activity means the cheapest insurance isn’t one-size-fits-all. The right policy is the one that fits how and where you actually drive.
Jerry makes it easy to build a policy tailored to life in Mississippi and stay protected year-round.
Get Mississippi coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
