Cheapest Car Insurance in Mississippi (2026)

Summary

• State Farm is the cheapest car insurance company in Mississippi, averaging $45/month for liability-only and $87 for full coverage, per Insurify rate data current as of October 21, 2026. USAA is $2 behind on both ($47 / $89) but sells only to military members, veterans and their families. Progressive ($54) is third on liability; National General ($119) is third on full coverage.
• Mississippi averages $89/month for liability and $186 for full coverage, about $2,231 a year. That is about 10% below the national average on liability and level with it on full coverage.
• The last two years were a ride. Full coverage jumped 12% in a single month in July 2024, peaked at $2,479 a year in April 2025, slid 14% to January 2026, and has risen 3.9% since December. Over five years Mississippi is up 27%; the country is up 44%.
• More Mississippi drivers go uninsured than in any other state: 28.2% in 2023, per the Insurance Research Council. Uninsured motorist coverage comes on every policy unless you reject it in writing, and this is the state where you shouldn't.
• Mississippi requires 25/50/25 liability, uses pure comparative fault, and doesn't check insurance when you register a car. A 2026 bill to change that died in committee.
• Geography moves the number: Jackson ($128/month across coverage levels) pays about 31% more than Columbus ($98). See where your own ZIP code lands before your next renewal.

Cheapest Car Insurance Companies in Mississippi

State Farm and USAA are within $2 of each other on both coverage levels, and nobody else is close: Progressive is $9 more on liability, and on full coverage the next open-to-all option, National General, is $32 more than State Farm. Behind them sits a crowd of nonstandard carriers, Bristol West, Direct Auto and National General, that price liability in the high sixties, then a long tail that runs to three times the leader.

Source: rate data current as of October 21, 2026. *USAA is available only to military members, veterans, and their families. Actual quotes vary by driver profile.

Two columns, two different races. On liability, the nonstandard carriers are competitive: Bristol West and Direct Auto both come in under Allstate and GEICO. On full coverage they fall away, Bristol West to $173 and The General from $86 to $336, nearly four times its liability price. Safeco runs the other way, twelfth on liability at $92 but fifth on full coverage at $130. If you're buying full coverage, the liability ranking tells you little; quote both columns.

The other data sets don't line up with this one. NerdWallet's September 2026 analysis, which our cheapest-companies page uses for its state table, names Travelers the cheapest full-coverage carrier in Mississippi at about $1,259 a year; in this table Travelers is $171 a month. Insure.com's 2026 figures put the state's full-coverage average at $2,455 a year. Different panels, different driver profiles. The practical answer: quote State Farm, USAA if you're eligible, Progressive and National General, add Travelers, and let the quotes decide.

How Much Is Car Insurance in Mississippi?

Mississippi averages $89/month for liability-only and $186/month for full coverage, about $2,231 a year, against a national average of $99 and $187.

The five-year series is a story of a state that fell behind, caught up all at once, and overshot. In September 2021 Mississippi's full-coverage average was $1,759 a year, 13% above the national $1,557. Over the next two years it drifted down, to $1,637 by February 2023, while the country climbed past it. Then Mississippi caught up in a hurry: $1,945 in June 2024, $2,185 in July 2024, a 12% jump in one month and the fourth-largest one-month rise in the 40-state monthly series. It kept going to a peak of $2,479 in April 2025, about 5% above the national average at the time. The correction took nine months and 14%: $2,313 by July 2025, $2,148 by December, $2,131 in January 2026. Since then it has climbed every month but one, to $2,231 in September 2026, 3.9% above December and $11 below the national average. Over five years Mississippi is up 27%; the country is up 44%. The data's analysts project a 0.3% increase through the end of the year. Our October rate report has the national picture.

Why Mississippi lands where it does:

• Cheap liability, expensive claims. The liability average is 10% under the national figure, but the step to full coverage is $97 a month here against $88 nationally.
• Storms. Hurricanes and tropical storms off the Gulf can total a car, which is why the rate data's publisher advises most Mississippi drivers to consider full coverage rather than liability alone.
• The uninsured share. With 28.2% of drivers uninsured, insurers pay more claims that the at-fault driver can't cover, a cost the rate data's publisher says shows up in everyone's premium.

City spread (average monthly quote across coverage levels):

Source: Mississippi city rate data, current as of October 2026.

Jackson, the capital and the state's largest city, is the most expensive by a clear margin. Southaven, in the Memphis suburbs, is second, and Madison, Jackson's northern suburb, third. The smaller cities, Columbus, Tupelo and Oxford, are the cheapest. Inside the Jackson metro the carrier spread is bigger than the city spread, so compare quotes for your ZIP code rather than relying on the state average.

Mississippi Car Insurance Requirements

Mississippi requires 25/50/25 liability coverage:

Mississippi is an at-fault state, and the law also accepts a bond or a cash deposit in place of a policy. A $25,000 per-person limit is low for a serious injury, and anything above your limits is yours personally. Our state minimum coverage guide covers why the legal minimum and adequate coverage are different things.

Uninsured motorist coverage is on by default. Under Mississippi Code § 83-11-101, every auto liability policy issued in the state includes uninsured motorist coverage at least at the state minimum limits unless the named insured rejects it in writing, either entirely or for property damage only. The coverage also pays when the at-fault driver is underinsured, not just uninsured, so in Mississippi one coverage does both jobs. In the state with the highest uninsured share in the country, the rejection form is the one piece of paper to leave unsigned. Our uninsured motorist explainer covers how the coverage pays.

Fault is shared, all the way down. Mississippi uses pure comparative fault under § 11-7-15: you can recover from the other driver even if you were mostly to blame, with your recovery reduced by your share of the fault. Next door in Alabama, contributory negligence bars any recovery if you were even slightly at fault; Mississippi sits at the other end of the scale. Our not-at-fault accident explainer covers how a fault finding reaches your rate.

Enforcement happens after the fact. Failing to show proof of insurance is a misdemeanor under § 63-15-4, as the Department of Public Safety's Driver Service Bureau quotes it: a $100 fine and suspension of your driving privilege for a year, or until you show proof of coverage and pay the fines and reinstatement fees. An insurance card on your phone counts as proof. After a crash, an owner who couldn't show coverage has 60 days to get proof to the Driver Service Bureau or the license is suspended, and reinstating after an accident suspension costs $100. What Mississippi doesn't do is check coverage when you register a car: it is one of seven states that don't, after lawmakers repealed the requirement in 2015, effective 2017. House Bill 676, filed in January 2026 by Rep. Jeffrey Hulum III of Gulfport, would have had tax collectors check the state's insurance verification system before issuing or renewing a registration; it died in committee in February. Our coverage-lapse guide covers what a gap does to your next quote.

Mississippi uses the SR-22 after a DUI or a crash while uninsured; your insurer files it with the Driver Service Bureau. SR-22 drivers pay about 16% more than clean-record drivers on liability, and State Farm is cheapest at about $52 a month. Our SR-22 explainer covers the filing, and our SR-22 companies and costs post covers who files it and what it costs elsewhere.

High-Risk Drivers in Mississippi

A speeding ticket raises Mississippi liability rates about 22% on average, an at-fault accident about 31% and a DUI about 27%, per the same rate data as the tables above. Mississippi is one of the few states in our library where an at-fault accident costs more than a DUI; Louisiana is another. State Farm stays cheapest in every category:

Source: Mississippi rate data by driving record, current as of October 21, 2026.

About 4% of Mississippi drivers have a speeding ticket on their record, about 3% an at-fault accident and 0.7% a DUI. The ticket itself isn't cheap either: in Columbus the minimum fine for 10 to 20 mph over the limit is $254. Further down the table the gap is wide; after a DUI, Hugo is $186, Liberty Mutual $190 and Dairyland $198, more than three times State Farm. If no carrier will write you at all, the Mississippi Automobile Insurance Plan, the state's assigned-risk pool since 1948, will, as long as you hold a Mississippi license and registration and can show you've been turned down. Our post-accident rate guide covers what moves after a claim, and our DUI and bad-record guide covers how long a conviction follows you. Our high-risk costs by state post compares Mississippi's surcharges with 14 other states'.

Credit counts: drivers with bad credit pay about $66 a month at State Farm against $45 with good credit, a 47% difference at the cheapest carrier. Our credit-score guide covers the playbook.

Teens pay the most. Mississippi lifts the restricted driving hours on young drivers at 17, younger than many states, and teen liability averages $162 a month. USAA is cheapest at $85 for eligible families, State Farm $86, and Progressive $98, with good-student and distant-student discounts on top. Our teen safe-car guide covers the vehicle side. Seniors pay the least, from about $36 at State Farm.

How to Save on Car Insurance in Mississippi

1. Quote State Farm first. Cheapest on both coverage levels and cheapest after a ticket, an accident, a DUI or an SR-22.
2. Then USAA if anyone in your household served, plus Progressive and National General. USAA is $2 behind State Farm, Progressive is the next open-to-all liability quote, and National General is the next full-coverage quote. Our USAA eligibility post covers who qualifies.
3. Don't sign away uninsured motorist coverage. It comes on the policy unless you reject it in writing, and with more than a quarter of Mississippi drivers uninsured, it's the coverage most likely to pay you after someone else's mistake.
4. Price full coverage against the car and the coast. The step is about $97 a month at the state average and $42 at State Farm, which is a hard trade on a paid-off car worth a few thousand dollars and an easy one for anything you'd struggle to replace after a hurricane. Our full coverage explainer covers what's in the bundle, and our comprehensive vs. collision post covers which half pays for storm damage.
5. Ask about telematics and mileage. State Farm's Drive Safe & Save, Progressive's Snapshot and USAA's SafePilot all reward safe driving through an app, and USAA's SafePilot Miles bills by the mile. Our telematics comparison covers what the apps watch, and our pay-per-mile comparison covers when billing by the mile pays.
6. Mind your credit and bundle. Bad credit costs 47% at the cheapest carrier here, and a home-and-auto bundle cuts both premiums.
7. Shop when your renewal comes in higher. Rates are up 3.9% since December after a 14% slide, so a renewal priced at the April 2025 peak is worth challenging. Check the national standings, then price your own profile against the tables above.

Rate data from Insurify's Mississippi car insurance analysis, updated October 24, 2026, with table rates current as of October 21, 2026, based on real-time quotes from 500+ partner insurers and Quadrant Information Services estimates, for drivers with clean records and good credit unless noted. Full-coverage figures reflect 50/100/50 limits with $1,000 collision and comprehensive deductibles. Monthly series September 2021–September 2026, the year-end projection, the hurricane note, the driving-record, SR-22, credit, teen and senior figures, the violation shares, the Columbus fine, the teen driving-hours rule and the city table from the same source, which cites the Mississippi Department of Transportation and state law; the assigned-risk plan per Insurify's Mississippi minimum-requirements page. The fourth-largest one-month rise is our ranking of Insurify's 40-state monthly series. Uninsured share per the Insurance Research Council's Uninsured and Underinsured Motorists: 2017–2023 (published 2025), as reported by the Insurance Information Institute. Minimum limits and the bond or deposit option per Insurify, citing Mississippi law. Uninsured motorist coverage per Miss. Code § 83-11-101 and Mississippi Insurance Department Bulletin 2014-4, as reproduced in the ISO Mississippi selection/rejection form: coverage at no less than 25/50/25 unless rejected in writing, all of it or the property-damage part only, and payable when the at-fault driver is uninsured or underinsured. Pure comparative fault per Miss. Code § 11-7-15. Proof-of-insurance penalty, electronic proof, the 60-day post-crash rule and the $100 reinstatement fee per the Department of Public Safety's Driver Service Bureau, quoting § 63-15-4(4). Registration history, the seven-state count and House Bill 676 per WLOX (February 2, 2026); the bill's death in committee per its legislative record. NerdWallet's September 2026 and Insure.com's 2026 figures noted for lane comparison only. Actual quotes vary by driver profile.