Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance in Mississippi for 2024
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Mississippi
Bankrate has access to exclusive average premium data from analytics company Quadrant Information Services, and based on our research, the average full coverage premium in Mississippi is $2,061 per year; the annual minimum coverage premium is $514. However, car insurance companies in Mississippi can use more than a dozen rating factors to calculate your rate. As such, you could be paying more or less than the average. Still, you might use this information as a touchstone when requesting quotes.
Price is important, but it’s not the only consideration when looking for a company you can trust. To round out our search, we also reviewed third-party customer service scores reported by the J.D. Power 2023 U.S. Auto Insurance Study, complaints lodged with the National Association of Insurance Commissioners (NAIC) and more. After our in-depth study, we found USAA, Progressive, State Farm, Nationwide and Allstate could be the best in Mississippi, depending on your needs.
Insurance company |
Bankrate Score
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.2
|
$1,755
|
$379
|
|
4.4
|
$1,709
|
$451
|
|
4.3
|
$1,819
|
$336
|
|
4.0
|
$1,847
|
$561
|
|
3.9
|
$2,806
|
$600
|
USAA
4.2
4.2
Avg. full coverage premium
$146/mo
Avg. full coverage premium
$1,755/yr
Customer satisfaction
876/1,000
-
Why USAA made our list: Although USAA has strict eligibility requirements (coverage is only available to active-duty military, veterans and qualifying family members), Mississippi has several military bases and installations. This could make USAA a contender for the best car insurance company for many drivers in the state. USAA offers unique military-focused benefits and options you might not find with other companies, including a discount for garaging your vehicle on base, and savings for putting your car in storage (which could come in handy during deployment). USAA also generally provides low average rates and consistently earns high third-party customer satisfaction scores.
Read full USAA Insurance review
Progressive
4.4
4.4
Avg. full coverage premium
$142/mo
Avg. full coverage premium
$1,709/yr
Customer satisfaction
836/1,000
-
Why Progressive made our list: Progressive is a forerunner in the industry when it comes to tech. The company’s Name Your Price Tool allows online shoppers to key in their desired budget, and the website will tailor a coverage package that meets (or comes close to meeting) that driver’s budget. Progressive was also among the first companies to embrace telematics through its Snapshot program (available to Mississippi drivers). Tech-savvy drivers may also enjoy Progressive’s highly-rated mobile app, where you can buy your policy, download digital ID cards, make payments, make policy changes and more.
Read full Progressive Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$152/mo
Avg. full coverage premium
$1,819/yr
Customer satisfaction
847/1,000
-
Why State Farm made our list: Out of all the Mississippi auto insurance companies we evaluated, State Farm was among the cheapest for both minimum and full coverage policies. Based on average full coverage premiums from Quadrant Information Services, State Farm is also 17 percent less for Mississippi drivers with a speeding ticket than the state speeding ticket average. The company’s generally affordable average rates for a broad segment of drivers is one of the reasons why we named State Farm the best auto insurance company for high-risk drivers in the 2023 Bankrate Awards.
Read full State Farm Insurance review
Nationwide
4
4
Avg. full coverage premium
$154/mo
Avg. full coverage premium
$1,847/yr
Customer satisfaction
834/1,000
-
Why Nationwide made our list: Nationwide offers not one but two telematics options — SmartRide and SmartMiles. SmartRide is a more traditional telematics program that can offer savings for safe drivers if they agree to plug a tracking device into their vehicles. Nationwide policyholders can save up to 10 percent just by signing up for SmartRide. With the company’s pay-per-mile SmartMiles program, your monthly rate fluctuates based on how much you drive, which could lead to significant savings if you put fewer miles than average on your vehicle.
Read full Nationwide Insurance review
Allstate
3.9
3.9
Avg. full coverage premium
$234/mo
Avg. full coverage premium
$2,806/yr
Customer satisfaction
832/1,000
-
Why Allstate made our list: Allstate’s average premiums are much higher than the state average, but it may still offer the best car insurance in Mississippi when it comes to coverage add-ons. Outside of the typical options you’d expect, Allstate offers a robust vehicle protection plan for eligible vehicles. Drivers might add Extended Vehicle Care, which acts like an extended warranty. Excess Wear & Tear coverage is also available, which could cover lease fees associated with minor vehicle damage when you turn your car back into the dealership.
Read full Allstate Insurance review
How Bankrate chose the best car insurance companies in Mississippi
To help you choose the best car insurance for your needs, Bankrate took a close look at average rates provided by Quadrant Information Services. We also looked at other factors that may be important to you, such as the number of available discounts and the quality of a company's customer service. Taking these and other factors into consideration, we developed a rating method called the Bankrate Score.
Each company we review earns a Bankrate Score between 0.0 and 5.0, with higher numbers indicating a company that excels across all parameters, from digital availability to affordable rates. You can use the Bankrate Scores to help you evaluate the companies you are considering when shopping for car insurance.
Why you can trust Bankrate
Read our full methodologyTo help Mississippi drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Mississippi
As you begin the process of gathering quotes for your car insurance in Mississippi, there are a few considerations you may want to keep in mind. It's worth taking the time to think about your priorities when looking for the policy that meets your needs best.
New
According to the Insurance Information Institute (Triple-I), nearly 30 percent of Mississippi drivers are uninsured, the highest rate of any state. To protect yourself financially if you’re involved in an accident caused by an uninsured driver, consider adding uninsured/underinsured motorist coverage to your insurance policy. This optional coverage pays for damage and medical costs, up to your policy limit, if you're hit by an uninsured motorist.
Related content:
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Answer a few questions to see personalized rates from top carriers in Mississippi
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Mississippi?
The average cost of auto insurance in Mississippi is $2,061 annually for full coverage, while minimum coverage costs an average of $514 a year. These averages are well below the national averages, which work out to $741 for minimum and $2,545 for full coverage. These rates are not far from neighboring states such as Alabama, which has averages of $2,207 and $541. Louisiana, on the other hand, has much higher rates: $3,626 for full coverage and $953 for minimum. This may be partly because of the state's reputation for violent weather.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Magnolia | $2,132 | +3% |
Brooksville | $2,025 | -2% |
Eupora | $1,995 | -3% |
Hattiesburg | $1,978 | -4% |
Collins | $2,138 | +4% |
Gulfport | $2,123 | +3% |
Pass Christian | $2,091 | +1% |
Waveland | $2,159 | +5% |
Chatawa | $2,142 | +4% |
Fernwood | $2,125 | +3% |
Lucedale | $2,057 | -0% |
Lumberton | $2,062 | +0% |
Purvis | $2,010 | -3% |
Hurley | $2,017 | -2% |
Pearlington | $2,141 | +4% |
Gloster | $2,268 | +10% |
Jayess | $2,213 | +7% |
Waynesboro | $2,010 | -3% |
Ellisville | $1,962 | -5% |
Biloxi | $2,097 | +2% |
Long Beach | $2,106 | +2% |
Perkinston | $2,030 | -2% |
Brookhaven | $2,108 | +2% |
Bogue Chitto | $2,116 | +3% |
Columbia | $2,169 | +5% |
Moss | $1,972 | -4% |
Diamondhead | $2,121 | +3% |
Metcalfe | $2,045 | -1% |
Blue Springs | $1,875 | -9% |
Toccopola | $1,942 | -6% |
Banner | $1,972 | -4% |
Holcomb | $2,098 | +2% |
Bay Springs | $2,042 | -1% |
Carriere | $2,171 | +5% |
Diberville | $2,103 | +2% |
Moss Point | $2,041 | -1% |
Pascagoula | $2,079 | +1% |
Beaumont | $2,087 | +1% |
Carson | $2,205 | +7% |
Laurel | $1,956 | -5% |
Mc Lain | $2,087 | +1% |
Picayune | $2,156 | +4% |
Soso | $1,933 | -6% |
Foxworth | $2,212 | +7% |
Gautier | $1,992 | -3% |
Wiggins | $2,008 | -3% |
Meadville | $2,228 | +8% |
Ruth | $2,112 | +2% |
Columbus | $1,891 | -9% |
Ackerman | $1,991 | -3% |
Caledonia | $1,881 | -9% |
French Camp | $1,976 | -4% |
Walthall | $2,028 | -2% |
Weir | $1,994 | -3% |
Roxie | $2,220 | +7% |
Vaughan | $2,279 | +10% |
Vicksburg | $2,133 | +3% |
Jackson | $2,243 | +8% |
Meridian | $1,986 | -4% |
Louin | $2,003 | -3% |
Pachuta | $2,035 | -1% |
Paulding | $2,037 | -1% |
Indianola | $1,961 | -5% |
Poplarville | $2,142 | +4% |
Richton | $2,080 | +1% |
Seminary | $2,089 | +1% |
Lakeshore | $2,157 | +5% |
Utica | $2,246 | +9% |
Vaiden | $2,052 | -0% |
Pearl | $2,100 | +2% |
Buckatunna | $2,087 | +1% |
Lauderdale | $1,959 | -5% |
Satartia | $2,242 | +8% |
Thomastown | $2,054 | -0% |
Wesson | $2,171 | +5% |
Lawrence | $1,953 | -5% |
Noxapater | $2,059 | -0% |
Terry | $2,193 | +6% |
Bailey | $1,962 | -5% |
Tinsley | $2,241 | +8% |
Whitfield | $2,120 | +3% |
Yazoo City | $2,252 | +9% |
Little Rock | $1,909 | -8% |
Louisville | $2,037 | -1% |
Newton | $1,951 | -6% |
Taylorsville | $2,020 | -2% |
Valley Park | $2,128 | +3% |
Decatur | $1,908 | -8% |
Philadelphia | $1,946 | -6% |
State Line | $2,075 | +1% |
Collinsville | $1,948 | -6% |
Daleville | $1,962 | -5% |
Hickory | $1,961 | -5% |
Duncan | $2,127 | +3% |
Grace | $2,102 | +2% |
Gunnison | $2,072 | +1% |
Hollandale | $2,052 | -0% |
Stoneville | $2,053 | -0% |
Okolona | $1,972 | -4% |
Cascilla | $2,159 | +5% |
Elliott | $2,087 | +1% |
Greenwood | $1,986 | -4% |
Sibley | $2,286 | +10% |
Star | $2,060 | -0% |
Chunky | $1,942 | -6% |
Enterprise | $2,005 | -3% |
Mayersville | $2,107 | +2% |
Natchez | $2,250 | +9% |
Raymond | $2,186 | +6% |
Walnut Grove | $2,025 | -2% |
Clara | $2,003 | -3% |
De Kalb | $1,997 | -3% |
Macon | $2,079 | +1% |
Preston | $2,012 | -2% |
Rose Hill | $1,996 | -3% |
Union | $1,916 | -7% |
West | $2,064 | +0% |
Richland | $2,132 | +3% |
Flowood | $2,098 | +2% |
Marion | $1,953 | -5% |
Centreville | $2,300 | +11% |
Arkabutla | $2,018 | -2% |
Hernando | $2,040 | -1% |
Oxford | $1,945 | -6% |
Sardis | $2,169 | +5% |
Southaven | $2,063 | +0% |
Taylor | $1,959 | -5% |
Waterford | $2,039 | -1% |
Walls | $2,087 | +1% |
Artesia | $1,869 | -10% |
Monticello | $2,214 | +7% |
Silver Creek | $2,227 | +8% |
Smithdale | $2,159 | +5% |
Tillatoba | $2,110 | +2% |
Vance | $2,239 | +8% |
Brandon | $2,043 | -1% |
Florence | $2,102 | +2% |
Kosciusko | $2,071 | +0% |
Puckett | $2,082 | +1% |
Pulaski | $2,027 | -2% |
Mound Bayou | $2,050 | -1% |
Booneville | $1,950 | -6% |
Burnsville | $1,978 | -4% |
Glen | $1,982 | -4% |
Shannon | $1,914 | -7% |
Van Vleet | $1,937 | -6% |
Grenada | $2,100 | +2% |
Rena Lara | $2,198 | +6% |
Ruleville | $2,010 | -3% |
Corinth | $1,989 | -4% |
Iuka | $1,986 | -4% |
Plantersville | $1,895 | -8% |
Smithville | $1,994 | -3% |
Trebloc | $1,940 | -6% |
Vardaman | $1,966 | -5% |
Verona | $1,878 | -9% |
Enid | $2,159 | +5% |
Ovett | $2,009 | -3% |
Sumrall | $2,071 | +0% |
Mc Henry | $1,993 | -3% |
Merigold | $2,057 | -0% |
Winstonville | $2,068 | +0% |
Houlka | $1,971 | -4% |
Houston | $1,990 | -4% |
Marietta | $1,914 | -7% |
Rienzi | $1,988 | -4% |
Tishomingo | $2,000 | -3% |
Charleston | $2,172 | +5% |
Shaw | $1,970 | -5% |
Sunflower | $1,979 | -4% |
Amory | $1,957 | -5% |
Gattman | $1,986 | -4% |
Tremont | $1,952 | -5% |
Coila | $2,072 | +1% |
Itta Bena | $1,975 | -4% |
Rome | $2,098 | +2% |
Tupelo | $1,880 | -9% |
Golden | $1,948 | -6% |
Mooreville | $1,889 | -9% |
Pontotoc | $1,925 | -7% |
Washington | $2,289 | +10% |
Sebastopol | $2,008 | -3% |
Stonewall | $2,019 | -2% |
Vossburg | $2,021 | -2% |
Panther Burn | $2,113 | +2% |
Wayside | $2,065 | +0% |
Algoma | $1,916 | -7% |
Dennis | $1,980 | -4% |
Nettleton | $1,892 | -9% |
Thaxton | $1,972 | -4% |
Gore Springs | $2,051 | -1% |
Glen Allan | $2,085 | +1% |
Rosedale | $2,051 | -0% |
Scott | $2,037 | -1% |
Winterville | $2,055 | -0% |
Belden | $1,903 | -8% |
Belmont | $2,007 | -3% |
Ecru | $1,916 | -7% |
Greenwood Springs | $1,984 | -4% |
Mantachie | $1,916 | -7% |
Randolph | $1,918 | -7% |
Wheeler | $1,923 | -7% |
Bruce | $1,986 | -4% |
Glendora | $2,169 | +5% |
Paris | $1,958 | -5% |
Scobey | $2,085 | +1% |
Braxton | $2,143 | +4% |
Clinton | $2,158 | +5% |
Gallman | $2,155 | +4% |
Silver City | $2,086 | +1% |
Tchula | $2,147 | +4% |
Byram | $2,203 | +7% |
Quitman | $2,041 | -1% |
Scooba | $2,031 | -1% |
Shubuta | $2,037 | -1% |
Shuqualak | $2,057 | -0% |
Toomsuba | $1,968 | -5% |
Dublin | $2,207 | +7% |
Isola | $2,034 | -1% |
Fulton | $1,925 | -7% |
Big Creek | $1,978 | -4% |
Coffeeville | $2,042 | -1% |
Porterville | $2,036 | -1% |
Osyka | $2,172 | +5% |
Cedarbluff | $1,933 | -6% |
Mc Call Creek | $2,195 | +6% |
Hamilton | $2,002 | -3% |
Sturgis | $1,843 | -11% |
Union Church | $2,312 | +11% |
Aberdeen | $1,968 | -5% |
Steens | $1,890 | -9% |
Madden | $2,047 | -1% |
Magee | $2,095 | +2% |
Raleigh | $1,985 | -4% |
Ridgeland | $2,037 | -1% |
Inverness | $1,983 | -4% |
Leland | $2,026 | -2% |
Moorhead | $1,987 | -4% |
Shelby | $2,089 | +1% |
Becker | $1,949 | -6% |
New Site | $1,923 | -7% |
Carrollton | $2,082 | +1% |
Duck Hill | $2,070 | +0% |
Pittsboro | $1,954 | -5% |
Cary | $2,108 | +2% |
Ethel | $2,078 | +1% |
Harperville | $1,978 | -4% |
Mc Adams | $2,059 | -0% |
Redwood | $2,144 | +4% |
Tylertown | $2,170 | +5% |
Woodville | $2,308 | +11% |
Bellefontaine | $1,970 | -5% |
Maben | $1,855 | -11% |
Prairie | $1,995 | -3% |
West Point | $1,942 | -6% |
Brooklyn | $2,011 | -2% |
Eastabuchie | $1,943 | -6% |
Leakesville | $2,117 | +3% |
Moselle | $1,958 | -5% |
Petal | $1,955 | -5% |
Sandersville | $1,959 | -5% |
Saucier | $2,075 | +1% |
Bude | $2,196 | +6% |
Bassfield | $2,196 | +6% |
Heidelberg | $2,034 | -1% |
Neely | $2,115 | +3% |
Prentiss | $2,228 | +8% |
Bay Saint Louis | $2,175 | +5% |
Ocean Springs | $2,022 | -2% |
Vancleave | $2,017 | -2% |
Crosby | $2,282 | +10% |
Liberty | $2,229 | +8% |
Cruger | $2,075 | +1% |
Crawford | $1,873 | -10% |
Mantee | $2,028 | -2% |
Mayhew | $1,898 | -8% |
Montpelier | $1,985 | -4% |
Woodland | $1,957 | -5% |
Minter City | $2,001 | -3% |
Schlater | $1,985 | -4% |
Carthage | $2,045 | -1% |
Forest | $1,964 | -5% |
Cleveland | $2,028 | -2% |
Mccomb | $2,133 | +3% |
Mathiston | $2,008 | -3% |
Pheba | $1,958 | -5% |
Pace | $2,033 | -1% |
Baldwyn | $1,908 | -8% |
Guntown | $1,862 | -10% |
Saltillo | $1,868 | -10% |
Sherman | $1,896 | -8% |
Calhoun City | $1,983 | -4% |
Tutwiler | $2,124 | +3% |
Edwards | $2,169 | +5% |
Bolton | $2,147 | +4% |
Delta City | $2,091 | +1% |
Durant | $2,103 | +2% |
Lake | $1,970 | -4% |
Louise | $2,092 | +1% |
Mendenhall | $2,104 | +2% |
Madison | $2,043 | -1% |
Pickens | $2,133 | +3% |
Piney Woods | $2,060 | -0% |
Sandhill | $2,060 | -0% |
Sallis | $2,075 | +1% |
Etta | $1,926 | -7% |
Friars Point | $2,240 | +8% |
Holly Springs | $2,025 | -2% |
Pope | $2,185 | +6% |
Potts Camp | $2,011 | -2% |
Sarah | $2,105 | +2% |
Mc Carley | $2,103 | +2% |
Slate Spring | $2,002 | -3% |
Sumner | $2,175 | +5% |
Tie Plant | $2,096 | +2% |
Benton | $2,265 | +9% |
Flora | $2,142 | +4% |
Harrisville | $2,143 | +4% |
Lexington | $2,116 | +3% |
Rolling Fork | $2,087 | +1% |
Crenshaw | $2,172 | +5% |
Dundee | $2,158 | +5% |
Horn Lake | $2,093 | +2% |
Lyon | $2,224 | +8% |
Tippo | $2,161 | +5% |
Crystal Springs | $2,132 | +3% |
Goodman | $2,122 | +3% |
Pinola | $2,147 | +4% |
Abbeville | $1,964 | -5% |
Coldwater | $1,993 | -3% |
Crowder | $2,194 | +6% |
Independence | $2,019 | -2% |
Myrtle | $1,956 | -5% |
Nesbit | $2,055 | -0% |
Greenville | $2,062 | +0% |
Avon | $2,070 | +0% |
Chatham | $2,061 | -0% |
Parchman | $2,094 | +2% |
Ashland | $2,075 | +1% |
Batesville | $2,161 | +5% |
Courtland | $2,190 | +6% |
Lamar | $2,087 | +1% |
Michigan City | $2,096 | +2% |
Sherard | $2,213 | +7% |
Sledge | $2,158 | +5% |
Arcola | $2,036 | -1% |
Beulah | $2,029 | -2% |
Boyle | $2,007 | -3% |
Morgan City | $1,988 | -4% |
Swan Lake | $2,144 | +4% |
Swiftown | $2,010 | -3% |
Water Valley | $2,038 | -1% |
Bentonia | $2,257 | +9% |
Camden | $2,128 | +3% |
D Lo | $2,146 | +4% |
Fayette | $2,326 | +12% |
Holly Bluff | $2,205 | +7% |
Lena | $2,062 | +0% |
Ludlow | $2,017 | -2% |
Mize | $2,023 | -2% |
Morton | $2,003 | -3% |
Mount Olive | $2,124 | +3% |
Pelahatchie | $2,048 | -1% |
Money | $1,992 | -3% |
Webb | $2,174 | +5% |
Conehatta | $1,942 | -6% |
Midnight | $2,068 | +0% |
Belen | $2,201 | +7% |
Hickory Flat | $2,033 | -1% |
Lula | $2,173 | +5% |
Tunica | $2,068 | +0% |
Clarksdale | $2,209 | +7% |
Como | $2,164 | +5% |
Dumas | $1,977 | -4% |
Jonestown | $2,227 | +8% |
Lambert | $2,195 | +6% |
Robinsonville | $2,077 | +1% |
Anguilla | $2,119 | +3% |
Doddsville | $1,984 | -4% |
Drew | $2,051 | -0% |
Falcon | $2,198 | +6% |
Marks | $2,186 | +6% |
Mount Pleasant | $2,048 | -1% |
Olive Branch | $2,035 | -1% |
Red Banks | $2,012 | -2% |
Ripley | $1,959 | -5% |
Farrell | $2,215 | +7% |
Senatobia | $2,018 | -2% |
Tula | $1,953 | -5% |
Summit | $2,136 | +4% |
Oak Vale | $2,203 | +7% |
Sontag | $2,236 | +8% |
Kilmichael | $2,048 | -1% |
Stewart | $2,043 | -1% |
Coahoma | $2,238 | +8% |
Darling | $2,216 | +7% |
Falkner | $2,037 | -1% |
University | $1,963 | -5% |
Lake Cormorant | $2,061 | -0% |
New Albany | $1,926 | -7% |
Victoria | $2,025 | -2% |
Alligator | $2,116 | +3% |
Belzoni | $2,049 | -1% |
Winona | $2,042 | -1% |
Mc Neill | $2,173 | +5% |
New Augusta | $2,053 | -0% |
Sandy Hook | $2,189 | +6% |
Stringer | $1,994 | -3% |
Kiln | $2,159 | +5% |
Kokomo | $2,174 | +5% |
Walnut | $2,002 | -3% |
Benoit | $2,030 | -2% |
Oakland | $2,105 | +2% |
Philipp | $2,104 | +2% |
Sidon | $2,000 | -3% |
Canton | $2,087 | +1% |
Georgetown | $2,119 | +3% |
Hazlehurst | $2,213 | +7% |
Mc Cool | $2,057 | -0% |
Newhebron | $2,236 | +8% |
Blue Mountain | $1,981 | -4% |
Byhalia | $2,043 | -1% |
Tiplersville | $2,026 | -2% |
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.