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Best car insurance in Mississippi for 2024

The best car insurance companies in Mississippi include USAA, Progressive, State Farm, Nationwide and Allstate.

Updated Feb 21, 2024
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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 $2,142 per year; the annual minimum coverage premium is $524. 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
Info
Average full coverage rate Average min coverage rate
4.2
Rating: 4.2 stars out of 5
$1,755
$379
4.4
Rating: 4.4 stars out of 5
$1,709
$451
4.3
Rating: 4.3 stars out of 5
$1,819
$336
4.0
Rating: 4 stars out of 5
$1,847
$561
3.9
Rating: 3.9 stars out of 5
$2,806
$600

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$146/mo

Avg. full coverage premium

$1,755/yr

Customer satisfaction

876/1,000

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$142/mo

Avg. full coverage premium

$1,709/yr

Customer satisfaction

836/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$152/mo

Avg. full coverage premium

$1,819/yr

Customer satisfaction

847/1,000

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

$154/mo

Avg. full coverage premium

$1,847/yr

Customer satisfaction

834/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$234/mo

Avg. full coverage premium

$2,806/yr

Customer satisfaction

832/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Insurance Disclosure

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 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

News that affects Mississippi drivers

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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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 $2,142 annually for full coverage, while minimum coverage costs an average of $524 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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Mississippi

The best way to know what you'll truly pay for auto coverage is to compare personalized quotes. If you're curious about other carriers but aren't ready to compare quotes, consider our rate calculator tool below to get a more personalized estimate of what you might pay for coverage.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance