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Mississippi Auto Insurance Review (Coverage, Rates, & More)

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UPDATED: Mar 18, 2020

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Mississippi SummaryStatistics
Miles of Roadway76,777
VehiclesRegistered: 2,040,524
Stolen: 4,243
Population2.98 Million
Most Popular VehiclesFord F-150
Uninsured MotoristsPercentage: 23.7%
Rank: 2
Driving Related DeathsTotal: 690
Speeding: 59
DUI: 148
Average Annual PremiumsLiability: $460.50
Collision: $323.22
Comprehensive: $210.33
Cheapest ProvidersUSAA
Nationwide

Deep in the heart of the bible belt sits the great state of Mississippi. The Mississippi River that makes up the majority of the western border of the state is the second-largest river in the U.S. and one of the largest rivers in the world. It spans over 2300 miles and reaches to central Minnesota.

Jackson, with a population of around 580,000 people, is the largest metropolitan area in Mississippi. Gulfport and Southhaven are the next most populous cities.

After thousands of years of Native American cultures, in 1817 Mississippi became a part of the United States. To this day it still holds a rich history of Native American artifacts, mounds, and relics.

The state holds to the south and is a humid atmosphere that lies relatively flat with a lot of swampy areas — a beautiful place for any traveler or resident.

With a median age of 37.5, Mississippi has life in every age bracket. The average annual income in the state is about $44,000. That’s right around the nation’s average but a relatively low number. The future looks bright for Mississippians though. The state is growing, and the south will always be a popular place for tourism and snowbirds.

If you’ve been thinking of moving to the rivers of the south and need some help with auto insurance, look no further; this article will delve into the intricacies of the insurance world in Mississippi. We’ll take you through the rates, coverage, and laws to get you through the quite annoying process of buying auto insurance.

Table of Contents

Mississippi Car Insurance Coverage and Rates

In the modern-day, we don’t travel down the Mississippi River in a handmade wooden vessel like Huck Finn, and Tom did.

We travel by car, and there’s a lot to take care of when owning a car. Car insurance is a pain in most cases. A hundred different companies are telling you they have the same coverage for a cheaper rate. Some are telling the truth, and some aren’t.

Mississippi is an at-fault state. This is the traditional form of car insurance, and the most straightforward way to understand and use. At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm.

The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur. This system can get complicated quickly, so be happy Mississippi is not a no-fault state.

There is a lot of information that can help you decide which insurance is for you. Within the article, you will find all the information you need to start the buying process. Skip the hours of searching google to see what’s best, read this article, and you will leave with the knowledge needed to decide on insurance in Mississippi.

Mississippi Car Culture

Mississippi has a rich history in every part of life. It’s car culture, and the past is no different. It begins with the Natchez Trace Parkway. This drive is purposely scenic and built for the road trip of a lifetime. At around 444 miles spanning from Alabama through Mississippi up to Tennessee, this road will leave you breathless.

Road trippers from around the U.S. flock to take a drive on the Natchez Trace.

The major highways that run through Minnesota are Interstate 20 and Interstate 55. Driving on these roads will have you flying from state to state.

The most popular car in the state is the Ford F-15o, so there are naturally a lot of large pickup trucks galavanting around the state. Just like most places in the south, men almost always have vehicles.

Another famous roadway is what is known as the “Money Road” This road gained popularity when the great blues singer Robert Johnson sold his soul to the devil. This road is now passed through by many drivers looking to find a part of history. Deep in Mississippi, blues and jazz music will find you.

Mississippi Minimum Coverage

As of 2006, the minimum coverage required by law in Mississippi was increased to higher liability limits than previously mandated. Like almost all other states, Mississippi requires mandatory minimum levels of auto insurance. If you live and drive in the country, you must have coverage of at least these levels:

  • Bodily injury liability coverage of $25,000 per person
  • Bodily injury liability coverage of $50,000 per accident involving more than one person
  • Property damage liability coverage of $25,000

Carrying auto insurance at these levels, or higher is the easiest and most common way to make sure you comply with Mississippi mandatory minimum auto insurance laws.

What all this means for you, is that in the case of an accident you will need coverage. These laws are requirements intended to help you and other drivers stay safe on the road.

Forms of Financial Responsibility

Every driver of a motor vehicle must carry evidence of financial responsibility in his or her motor vehicle at all times. This proof shows that you can pay for what is needed in the case of an accident. In most cases, this is, simply, your proof of insurance. Bills from the DMV for minimum coverage payments are accepted and a few others.

The most important thing to remember is that in Mississippi, you must have proof of financial responsibility. Not having any evidence of insurance will land you a ticket and sometimes even a small amount of jail time.

You also may be legally required to file out an SR22 form in Mississippi from your insurance provider. This will prevent suspension of your driver’s license, or reinstate your license.

An SR22 form, known as proof of financial responsibility is not insurance. It is a certification filed by your auto insurance company that you will maintain the minimum liability insurance for a predetermined amount of time. This law keeps the roads safer.

Premiums as a Percentage of Income

Knowing what you’re spending on car insurance compared to your overall salary is a great tool for figuring out the right rate for you and your family.

Mississippi is not overpriced when it comes to auto insurance. Most prices you pay will be right around average unless you have a bad driving record or poor credit.

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$957.59$31,365.003.05%$925.13$30,580.003.03%$902.95$30,385.002.97%

The table above shows the percentages spent on auto insurance of the average annual income of people in Mississippi. From 2012 to 2014, Mississippi had some of the highest premium percentages of income in the entire United States.

This isn’t because auto premiums are overpriced though, it is because the disposable income of Mississippians is quite a bit lower than most states.

If you’re ready to figure out some prices for your information, the insurance calculator below can give you a quote based on your background information.

CalculatorPro

Core Coverage in Mississippi

Core coverage includes the parts of your policy that is considered full coverage. These three parts are a liability, collision, and comprehensive. Combined the three make up full coverage auto insurance which will keep you protected in every situation.

Coverage TypeAverage Cost in Mississippi (2015)Average Cost Nationwide (2015)
Liability$460.50$538.73
Collision$323.22$322.61
Comprehensive$210.33$148.04
Total (Full Coverage)$994.05$1,009.38

In 2015, Mississippi was below the national average in terms of core coverage cost. This information is gathered based on data from the National Association of Insurance Commissioners (NAIC).

The cost of coverage is about a hundred dollars lower than the average for the rest of the nation. This is great for the Magnolia State.

Additional Liability

Mississippi does not participate in PIP or Personal Injury Protection insurance. This is because it is usually included in most core coverage options.

Loss ratios in Mississippi and the rest of the U.S are good to know for insurance consumers. In Mississippi, the loss ratio for companies due to uninsured motorists is almost 80 percent. 

Loss ratios aren’t a well-known factor among buyers, but if you know the facts, they can be very important in helping you understand auto insurance better.

A loss ratio that’s too high means that insurance companies are paying out too much in claims – if the rate climbs over 100 percent they are paying out more than they’re taking in. If the company’s loss ratio is too low, it means they aren’t paying out any claims.

Both of these are important to you knowing the inner workings of the auto insurance company you choose.

Add-ons, Endorsements, and Riders

There are many different types of extra insurance coverage that you can add to your core coverage in Mississippi. These are meant to help you ease your mind on the road.

Buying any of these add-ons will cover you even further than core coverage. While minimum coverage is all you need and may save you a buck or two, having extra insurance will keep you safer the more you purchase.

Male vs. Female vs. Age Rates in Mississippi

Statistics show that, in general, women are safer drivers than men.  In some states, it has been outlawed to alter car insurance rates based on gender. Women also make around $15,000 less a year in Mississippi than men do.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Geico$2,966.41$2,806.48$2,694.14$2,503.52$7,389.86$6,979.27$4,950.27$2,400.88
Allstate $2,759.49$2,635.21$2,463.36$2,519.32$11,031.99$11,772.88$3,133.31$3,215.18
SAFECO Ins $2,629.22$2,846.39$2,112.59$2,370.20$9,446.38$10,504.45$2,794.00$2,941.24
Progressive$2,591.63$2,419.61$2,124.47$2,061.68$9,375.44$10,495.41$2,662.75$2,769.80
Nationwide$2,046.11$2,102.48$1,835.74$1,945.49$4,088.44$5,202.84$2,318.23$2,510.05
State Farm$1,877.59$1,877.59$1,680.17$1,680.17$5,427.70$6,823.62$2,091.75$2,382.03
Travelers$1,683.09$1,713.42$1,600.71$1,602.55$7,522.15$11,907.14$1,765.06$2,047.25
USAA$1,385.56$1,371.97$1,293.28$1,308.31$3,448.85$4,091.04$1,689.16$1,861.86

In Mississippi, companies are allowed to charge different rates based on gender; however, some do not. If you are a young man, look for the companies that do not inflate rates due to you being a male.

Teens are more likely to be in an accident, receive a citation, and speed than any other age. Because of this, they are always charged a great deal more than any other age group. The more experience you have on the road, the better.

According to the table, almost every top insurance company in Mississippi does not over-inflate prices due to gender. Men and women generally pay around the same amount.

Cheapest Rates By Zip Code

Car insurance companies look at your zip-code to determine rates. They take into account the poverty rates, crime rates, thefts, etc. in each zip-code.

They use these tools because they can decide how big of as risk you may be as a driver if you live in a certain area.

ZipcodeAverageCity
39086$4,323.64HERMANVILLE
39096$4,250.87LORMAN
39150$4,242.23PORT GIBSON
39120$4,189.65NATCHEZ
39144$4,185.94PATTISON
39635$4,170.57FERNWOOD
39190$4,157.25WASHINGTON
39669$4,149.93WOODVILLE
39633$4,144.61CROSBY
39174$4,138.74TOUGALOO
39558$4,129.33LAKESHORE
39173$4,112.92TINSLEY
39069$4,107.16FAYETTE
39210$4,105.52JACKSON
39175$4,053.43UTICA
39668$4,050.99UNION CHURCH
39632$4,041.93CHATAWA
39555$4,024.29HURLEY
39474$4,013.94PRENTISS
38768$4,009.06ROME
39631$4,006.38CENTREVILLE
39427$4,005.18CARSON
39204$3,996.62JACKSON
39193$3,994.81WHITFIELD
38630$3,994.56FARRELL
39083$3,990.92HAZLEHURST
38623$3,989.17DARLING
38765$3,988.98PANTHER BURN
39077$3,988.22GALLMAN
39483$3,987.89FOXWORTH
39212$3,984.87JACKSON
39638$3,984.59GLOSTER
39426$3,984.17CARRIERE
39556$3,979.89KILN
39209$3,962.53JACKSON
39643$3,956.73KOKOMO
39663$3,955.17SILVER CREEK
39213$3,953.96JACKSON
38767$3,953.83RENA LARA
39217$3,953.54JACKSON
39429$3,946.60COLUMBIA
39421$3,944.37BASSFIELD
39202$3,943.82JACKSON
39661$3,941.64ROXIE
39062$3,934.82D LO
38960$3,934.31TIE PLANT
39466$3,932.75PICAYUNE
39203$3,932.74JACKSON
38964$3,932.66VANCE
39645$3,932.21LIBERTY
39462$3,930.59NEW AUGUSTA
39272$3,928.45BYRAM
39647$3,921.03MC CALL CREEK
38645$3,917.55LYON
39059$3,917.41CRYSTAL SPRINGS
39216$3,917.37JACKSON
38926$3,913.97ELLIOTT
39478$3,912.18SANDY HOOK
38614$3,910.45CLARKSDALE
39170$3,909.79TERRY
38617$3,907.93COAHOMA
39470$3,906.10POPLARVILLE
39479$3,906.08SEMINARY
38963$3,905.77TUTWILER
38782$3,905.29WINTERVILLE
39151$3,904.25PUCKETT
39165$3,901.71SIBLEY
39154$3,901.26RAYMOND
39080$3,899.88HARPERVILLE
39653$3,896.44MEADVILLE
39269$3,895.61JACKSON
39191$3,894.35WESSON
39664$3,894.09SMITHDALE
38921$3,893.53CHARLESTON
38958$3,892.34SWAN LAKE
38631$3,890.85FRIARS POINT
39058$3,890.11CLINTON
38764$3,887.91PACE
39564$3,887.70OCEAN SPRINGS
39115$3,887.65MIDNIGHT
39206$3,878.24JACKSON
39630$3,878.24BUDE
39576$3,878.23WAVELAND
38781$3,877.63WINSTONVILLE
39482$3,875.20SUMRALL
39428$3,874.34COLLINS
39452$3,870.67LUCEDALE
38643$3,868.11LAMBERT
39520$3,866.44BAY SAINT LOUIS
38957$3,863.48SUMNER
38760$3,858.94METCALFE
39476$3,858.15RICHTON
39572$3,857.61PEARLINGTON
39119$3,855.45MOUNT OLIVE
39078$3,854.09GEORGETOWN
39665$3,853.84SONTAG
38927$3,850.63ENID
39562$3,845.77MOSS POINT
39525$3,845.45DIAMONDHEAD
39423$3,842.30BEAUMONT
39140$3,841.08NEWHEBRON
38669$3,838.40SHERARD
39574$3,838.19SAUCIER
38646$3,837.93MARKS
38772$3,834.97SCOTT
39201$3,834.60JACKSON
39044$3,829.25BRAXTON
39061$3,826.84DELTA CITY
39507$3,826.06GULFPORT
39040$3,824.40BENTONIA
39641$3,823.17JAYESS
39149$3,818.60PINOLA
39656$3,814.87OAK VALE
38738$3,812.76PARCHMAN
38639$3,811.84JONESTOWN
39565$3,811.40VANCLEAVE
38644$3,811.03LULA
38609$3,808.67BELEN
39455$3,807.38LUMBERTON
39503$3,806.41GULFPORT
39475$3,806.35PURVIS
39530$3,805.23BILOXI
39457$3,804.09MC NEILL
38920$3,803.75CASCILLA
39501$3,803.48GULFPORT
39117$3,803.32MORTON
39153$3,803.11RALEIGH
39322$3,799.94BUCKATUNNA
39561$3,799.92MC HENRY
39581$3,799.78PASCAGOULA
38928$3,799.62GLENDORA
39657$3,798.18OSYKA
39194$3,796.49YAZOO CITY
39567$3,796.13PASCAGOULA
39162$3,792.33SATARTIA
39666$3,791.10SUMMIT
39152$3,790.79PULASKI
39563$3,790.24MOSS POINT
39654$3,788.18MONTICELLO
38622$3,786.36CROWDER
39367$3,785.18WAYNESBORO
39362$3,783.41STATE LINE
39573$3,782.76PERKINSTON
38739$3,780.58DUBLIN
39553$3,780.36GAUTIER
39039$3,779.30BENTON
38945$3,778.84MONEY
38959$3,778.81SWIFTOWN
38654$3,777.42OLIVE BRANCH
39461$3,776.69NEELY
39082$3,775.83HARRISVILLE
38946$3,774.88MORGAN CITY
39116$3,774.16MIZE
39571$3,773.31PASS CHRISTIAN
39179$3,773.12VAUGHAN
38745$3,773.09GRACE
39366$3,770.60VOSSBURG
38666$3,770.51SARDIS
38619$3,766.41COMO
38670$3,766.40SLEDGE
39208$3,766.27PEARL
38680$3,765.54WALLS
39737$3,764.74BELLEFONTAINE
38671$3,764.60SOUTHAVEN
39211$3,763.62JACKSON
38723$3,763.33AVON
39531$3,761.10BILOXI
38962$3,761.01TIPPO
39532$3,759.95BILOXI
38658$3,759.59POPE
38722$3,756.01ARCOLA
39451$3,753.90LEAKESVILLE
38664$3,753.89ROBINSONVILLE
38626$3,753.83DUNDEE
39168$3,753.10TAYLORSVILLE
39540$3,752.09DIBERVILLE
39560$3,752.02LONG BEACH
39363$3,751.02STONEWALL
39073$3,750.39FLORENCE
39652$3,749.56MAGNOLIA
38721$3,746.71ANGUILLA
39088$3,744.73HOLLY BLUFF
39667$3,741.79TYLERTOWN
39348$3,740.64PAULDING
38628$3,738.19FALCON
38672$3,737.03SOUTHAVEN
38620$3,735.77COURTLAND
39360$3,735.32SHUBUTA
38621$3,733.97CRENSHAW
38606$3,732.00BATESVILLE
39771$3,729.29WALTHALL
39629$3,728.90BOGUE CHITTO
39355$3,728.41QUITMAN
39534$3,726.87BILOXI
39648$3,726.10MCCOMB
39330$3,725.47ENTERPRISE
38966$3,725.45WEBB
39056$3,724.16CLINTON
39041$3,723.62BOLTON
38637$3,723.28HORN LAKE
39071$3,722.60FLORA
39146$3,721.72PICKENS
39114$3,719.91MENDENHALL
38676$3,719.33TUNICA
38641$3,719.02LAKE CORMORANT
39095$3,716.05LEXINGTON
39042$3,715.65BRANDON
39439$3,715.21HEIDELBERG
39347$3,715.16PACHUTA
39079$3,713.87GOODMAN
38703$3,712.66GREENVILLE
39066$3,710.36EDWARDS
38955$3,708.50SLATE SPRING
39218$3,702.94RICHLAND
39148$3,702.55PINEY WOODS
38961$3,702.54TILLATOBA
39662$3,702.34RUTH
38901$3,701.07GRENADA
38948$3,699.62OAKLAND
39456$3,698.94MC LAIN
38651$3,698.93NESBIT
38701$3,697.29GREENVILLE
39051$3,696.62CARTHAGE
39232$3,694.35FLOWOOD
39477$3,690.13SANDERSVILLE
39436$3,690.06EASTABUCHIE
38780$3,689.71WAYSIDE
39063$3,689.07DURANT
38632$3,682.39HERNANDO
39577$3,682.18WIGGINS
39157$3,679.51RIDGELAND
39464$3,679.49OVETT
39601$3,677.90BROOKHAVEN
39111$3,675.57MAGEE
39166$3,675.50SILVER CITY
39097$3,675.04LOUISE
39324$3,675.00CLARA
39094$3,674.46LENA
39169$3,672.14TCHULA
39038$3,664.36BELZONI
38748$3,662.26HOLLANDALE
38731$3,661.77CHATHAM
39047$3,660.84BRANDON
39046$3,659.71CANTON
38756$3,658.99LELAND
39054$3,657.05CARY
38940$3,655.46HOLCOMB
39045$3,655.41CAMDEN
38776$3,653.82STONEVILLE
38665$3,651.72SARAH
38744$3,651.42GLEN ALLAN
38953$3,650.55SCOBEY
38720$3,649.03ALLIGATOR
38950$3,646.01PHILIPP
38965$3,643.19WATER VALLEY
39192$3,639.14WEST
38642$3,638.78LAMAR
39425$3,638.61BROOKLYN
39180$3,638.12VICKSBURG
38740$3,637.80DUNCAN
39098$3,637.11LUDLOW
39159$3,636.31ROLLING FORK
38762$3,632.23MOUND BAYOU
38924$3,628.78CRUGER
39145$3,625.04PELAHATCHIE
39167$3,624.79STAR
39109$3,624.08MADDEN
38668$3,622.60SENATOBIA
38618$3,621.23COLDWATER
39074$3,621.23FOREST
39171$3,621.20THOMASTOWN
38754$3,620.77ISOLA
38943$3,619.19MC CARLEY
38733$3,619.01CLEVELAND
38638$3,619.00INDEPENDENCE
39359$3,618.77SEBASTOPOL
38774$3,614.79SHELBY
38647$3,614.30MICHIGAN CITY
38602$3,613.97ARKABUTLA
39183$3,612.05VICKSBURG
39460$3,610.79MOSS
39736$3,605.47ARTESIA
39092$3,600.62LAKE
38677$3,600.13UNIVERSITY
39177$3,598.46VALLEY PARK
39465$3,595.96PETAL
39754$3,594.89MONTPELIER
39356$3,594.35ROSE HILL
38929$3,592.64GORE SPRINGS
39437$3,591.52ELLISVILLE
39301$3,590.48MERIDIAN
39459$3,588.62MOSELLE
39156$3,588.08REDWOOD
38922$3,587.49COFFEEVILLE
38875$3,587.22TREBLOC
39110$3,585.80MADISON
39753$3,585.73MAYHEW
38611$3,585.69BYHALIA
39443$3,584.35LAUREL
39328$3,581.18DE KALB
39189$3,580.07WALNUT GROVE
39108$3,579.90MC COOL
39113$3,577.34MAYERSVILLE
39352$3,577.24PORTERVILLE
39401$3,576.03HATTIESBURG
39161$3,572.20SANDHILL
39358$3,571.39SCOOBA
39402$3,570.70HATTIESBURG
38880$3,569.73WHEELER
39406$3,569.43HATTIESBURG
38923$3,568.65COILA
38603$3,568.33ASHLAND
38925$3,567.82DUCK HILL
38725$3,567.45BENOIT
39354$3,566.10PRESTON
38635$3,565.45HOLLY SPRINGS
38675$3,565.33TULA
38746$3,565.13GUNNISON
39440$3,563.50LAUREL
39342$3,563.25MARION
38661$3,563.18RED BANKS
38737$3,557.39DREW
39090$3,555.26KOSCIUSKO
38679$3,554.17VICTORIA
38726$3,553.32BEULAH
39338$3,551.31LOUIN
39422$3,551.23BAY SPRINGS
39481$3,550.30STRINGER
39364$3,550.22TOOMSUBA
39480$3,547.87SOSO
38732$3,547.21CLEVELAND
38655$3,546.16OXFORD
38917$3,545.32CARROLLTON
39339$3,545.05LOUISVILLE
38759$3,536.26MERIGOLD
39341$3,535.00MACON
39067$3,533.97ETHEL
39772$3,533.04WEIR
39346$3,531.74NOXAPATER
38649$3,531.38MOUNT PLEASANT
39767$3,530.20STEWART
38601$3,529.60ABBEVILLE
38673$3,529.00TAYLOR
38769$3,528.71ROSEDALE
38730$3,526.44BOYLE
39160$3,524.48SALLIS
39361$3,523.19SHUQUALAK
38685$3,521.01WATERFORD
38930$3,515.83GREENWOOD
38659$3,515.40POTTS CAMP
39107$3,515.10MC ADAMS
38736$3,514.70DODDSVILLE
38633$3,512.62HICKORY FLAT
38778$3,512.44SUNFLOWER
38771$3,511.46RULEVILLE
38944$3,510.10MINTER CITY
39735$3,507.47ACKERMAN
38773$3,507.10SHAW
39739$3,505.06BROOKSVILLE
38820$3,502.51ALGOMA
39747$3,501.38KILMICHAEL
39745$3,491.90FRENCH CAMP
38629$3,489.04FALKNER
38761$3,488.52MOORHEAD
39332$3,483.53HICKORY
39744$3,482.78EUPORA
38753$3,479.37INVERNESS
38949$3,474.25PARIS
39337$3,471.13LITTLE ROCK
39307$3,469.69MERIDIAN
38751$3,465.74INDIANOLA
38967$3,462.61WINONA
38954$3,461.84SIDON
38941$3,459.81ITTA BENA
39323$3,452.16CHUNKY
39176$3,449.52VAIDEN
38952$3,445.67SCHLATER
38683$3,443.86WALNUT
38913$3,442.80BANNER
39345$3,441.63NEWTON
38852$3,441.34IUKA
38833$3,435.53BURNSVILLE
39320$3,435.11BAILEY
39350$3,433.57PHILADELPHIA
39326$3,433.51DALEVILLE
38674$3,432.60TIPLERSVILLE
38663$3,430.33RIPLEY
39335$3,428.04LAUDERDALE
39751$3,427.87MANTEE
39057$3,425.08CONEHATTA
39752$3,422.43MATHISTON
39327$3,422.39DECATUR
38838$3,419.25DENNIS
38827$3,415.14BELMONT
39365$3,414.63UNION
38871$3,412.67THAXTON
38610$3,410.42BLUE MOUNTAIN
39305$3,408.00MERIDIAN
39336$3,406.58LAWRENCE
38865$3,394.09RIENZI
38847$3,392.76GOLDEN
39325$3,391.49COLLINSVILLE
39746$3,383.81HAMILTON
38834$3,383.63CORINTH
38846$3,382.11GLEN
38650$3,381.54MYRTLE
38625$3,374.28DUMAS
38873$3,370.72TISHOMINGO
38844$3,369.73GATTMAN
38915$3,366.35BRUCE
38916$3,364.61CALHOUN CITY
38862$3,357.07PLANTERSVILLE
38914$3,357.03BIG CREEK
38627$3,353.55ETTA
38869$3,350.42SHERMAN
38829$3,346.49BOONEVILLE
38876$3,343.84TREMONT
38855$3,336.26MANTACHIE
38877$3,334.47VAN VLEET
38951$3,333.71PITTSBORO
38868$3,329.58SHANNON
38864$3,329.46RANDOLPH
38843$3,318.23FULTON
38825$3,314.90BECKER
38863$3,305.09PONTOTOC
38828$3,293.99BLUE SPRINGS
38859$3,293.38NEW SITE
38879$3,289.64VERONA
38858$3,288.88NETTLETON
38848$3,288.03GREENWOOD SPRINGS
38870$3,287.96SMITHVILLE
38857$3,287.84MOOREVILLE
38652$3,284.97NEW ALBANY
38874$3,284.95TOCCOPOLA
38850$3,284.84HOULKA
39740$3,283.58CALEDONIA
38851$3,277.10HOUSTON
38860$3,274.37OKOLONA
39756$3,274.33PRAIRIE
38856$3,274.20MARIETTA
38826$3,272.51BELDEN
39730$3,269.64ABERDEEN
38841$3,265.32ECRU
39755$3,261.14PHEBA
38801$3,258.36TUPELO
39705$3,257.98COLUMBUS
38821$3,253.21AMORY
38866$3,251.39SALTILLO
39773$3,249.13WEST POINT
38824$3,247.35BALDWYN
39710$3,246.30COLUMBUS
38878$3,246.00VARDAMAN
39702$3,243.42COLUMBUS
38804$3,239.30TUPELO
38849$3,237.09GUNTOWN
39741$3,231.09CEDARBLUFF
39750$3,228.95MABEN
39776$3,220.89WOODLAND
39766$3,208.63STEENS
39769$3,196.85STURGIS
39743$3,180.23CRAWFORD
39701$3,158.94COLUMBUS
39759$3,077.33STARKVILLE

Identifying average rates by zip code can help you move to a place you want to be, but know where the better areas are so you don’t overpay on insurance. More often than not, the most expensive zip-codes are in downtown areas.

The most expensive zip-code in all of Mississippi is in Hermanville at 39086. The rate is $4324.64 at that zipcode. The cheapest zip-code is in Starkville. The zip code is 39759 and comes in at a rate of $3077.33.

Choosing where to live is important, but some of these rates are affected in different ways, be sure to know where you’re living. Rates by zip code are a great statistic to discover the best places to buy auto insurance. Many different factors go into why each zip code is more or less expensive than the other

Cheapest Rates By City

CityAverage Grand Total
STARKVILLE$3,077.33
CRAWFORD$3,180.23
STURGIS$3,196.85
STEENS$3,208.63
WOODLAND$3,220.89
COLUMBUS$3,226.66
MABEN$3,228.95
CEDARBLUFF$3,231.09
GUNTOWN$3,237.09
VARDAMAN$3,246.00
BALDWYN$3,247.35
TUPELO$3,248.83
WEST POINT$3,249.13
SALTILLO$3,251.39
AMORY$3,253.21
PHEBA$3,261.14
ECRU$3,265.32
ABERDEEN$3,269.64
BELDEN$3,272.51
MARIETTA$3,274.20
PRAIRIE$3,274.33
OKOLONA$3,274.37
HOUSTON$3,277.10
CALEDONIA$3,283.58
HOULKA$3,284.84
TOCCOPOLA$3,284.95
NEW ALBANY$3,284.97
MOOREVILLE$3,287.84
SMITHVILLE$3,287.96
GREENWOOD SPRINGS$3,288.04
NETTLETON$3,288.88
VERONA$3,289.64
NEW SITE$3,293.38
BLUE SPRINGS$3,293.99
PONTOTOC$3,305.09
BECKER$3,314.90
FULTON$3,318.23
RANDOLPH$3,329.46
SHANNON$3,329.58
PITTSBORO$3,333.71
VAN VLEET$3,334.47
MANTACHIE$3,336.26
TREMONT$3,343.84
BOONEVILLE$3,346.49
SHERMAN$3,350.42
ETTA$3,353.55
BIG CREEK$3,357.04
PLANTERSVILLE$3,357.07
CALHOUN CITY$3,364.61
BRUCE$3,366.36
GATTMAN$3,369.73
TISHOMINGO$3,370.72
DUMAS$3,374.28
MYRTLE$3,381.54
GLEN$3,382.11
CORINTH$3,383.63
HAMILTON$3,383.81
COLLINSVILLE$3,391.50
GOLDEN$3,392.76
RIENZI$3,394.09
LAWRENCE$3,406.58
BLUE MOUNTAIN$3,410.42
THAXTON$3,412.67
UNION$3,414.64
BELMONT$3,415.14
DENNIS$3,419.25
DECATUR$3,422.39
MATHISTON$3,422.43
CONEHATTA$3,425.08
MANTEE$3,427.87
LAUDERDALE$3,428.04
RIPLEY$3,430.33
TIPLERSVILLE$3,432.60
DALEVILLE$3,433.51
PHILADELPHIA$3,433.57
BAILEY$3,435.11
BURNSVILLE$3,435.53
IUKA$3,441.34
NEWTON$3,441.63
BANNER$3,442.80
WALNUT$3,443.86
SCHLATER$3,445.67
VAIDEN$3,449.52
CHUNKY$3,452.16
ITTA BENA$3,459.81
SIDON$3,461.84
WINONA$3,462.61
INDIANOLA$3,465.74
LITTLE ROCK$3,471.13
PARIS$3,474.25
INVERNESS$3,479.37
EUPORA$3,482.78
HICKORY$3,483.53
MOORHEAD$3,488.52
FALKNER$3,489.03
MERIDIAN$3,489.39
FRENCH CAMP$3,491.89
KILMICHAEL$3,501.38
ALGOMA$3,502.51
BROOKSVILLE$3,505.06
SHAW$3,507.10
ACKERMAN$3,507.47
MINTER CITY$3,510.10
RULEVILLE$3,511.46
SUNFLOWER$3,512.44
HICKORY FLAT$3,512.62
DODDSVILLE$3,514.71
MC ADAMS$3,515.10
POTTS CAMP$3,515.40
GREENWOOD$3,515.83
WATERFORD$3,521.01
SHUQUALAK$3,523.19
SALLIS$3,524.48
BOYLE$3,526.44
ROSEDALE$3,528.71
TAYLOR$3,529.00
ABBEVILLE$3,529.60
STEWART$3,530.20
MOUNT PLEASANT$3,531.38
NOXAPATER$3,531.74
WEIR$3,533.04
ETHEL$3,533.97
MACON$3,535.00
MERIGOLD$3,536.26
LOUISVILLE$3,545.05
CARROLLTON$3,545.32
OXFORD$3,546.16
SOSO$3,547.87
TOOMSUBA$3,550.22
STRINGER$3,550.30
BAY SPRINGS$3,551.23
LOUIN$3,551.31
BEULAH$3,553.33
VICTORIA$3,554.17
KOSCIUSKO$3,555.26
DREW$3,557.39
RED BANKS$3,563.18
MARION$3,563.25
GUNNISON$3,565.13
TULA$3,565.33
HOLLY SPRINGS$3,565.45
PRESTON$3,566.10
BENOIT$3,567.45
DUCK HILL$3,567.82
ASHLAND$3,568.33
COILA$3,568.65
WHEELER$3,569.73
SCOOBA$3,571.39
HATTIESBURG$3,572.06
SANDHILL$3,572.20
LAUREL$3,573.93
PORTERVILLE$3,577.24
MAYERSVILLE$3,577.34
MC COOL$3,579.90
WALNUT GROVE$3,580.07
DE KALB$3,581.18
CLEVELAND$3,583.11
BYHALIA$3,585.69
MAYHEW$3,585.73
MADISON$3,585.80
TREBLOC$3,587.22
COFFEEVILLE$3,587.49
REDWOOD$3,588.08
MOSELLE$3,588.62
ELLISVILLE$3,591.52
GORE SPRINGS$3,592.64
ROSE HILL$3,594.35
MONTPELIER$3,594.89
PETAL$3,595.96
VALLEY PARK$3,598.46
UNIVERSITY$3,600.13
LAKE$3,600.62
ARTESIA$3,605.47
MOSS$3,610.80
ARKABUTLA$3,613.97
MICHIGAN CITY$3,614.30
SHELBY$3,614.79
SEBASTOPOL$3,618.77
INDEPENDENCE$3,619.00
MC CARLEY$3,619.19
ISOLA$3,620.77
THOMASTOWN$3,621.20
COLDWATER$3,621.23
FOREST$3,621.23
SENATOBIA$3,622.60
MADDEN$3,624.08
STAR$3,624.79
PELAHATCHIE$3,625.04
VICKSBURG$3,625.09
CRUGER$3,628.78
MOUND BAYOU$3,632.23
ROLLING FORK$3,636.31
LUDLOW$3,637.11
DUNCAN$3,637.80
BROOKLYN$3,638.61
LAMAR$3,638.78
WEST$3,639.14
WATER VALLEY$3,643.19
PHILIPP$3,646.01
ALLIGATOR$3,649.03
SCOBEY$3,650.55
GLEN ALLAN$3,651.42
SARAH$3,651.72
STONEVILLE$3,653.82
CAMDEN$3,655.41
HOLCOMB$3,655.46
CARY$3,657.05
LELAND$3,658.99
CANTON$3,659.71
CHATHAM$3,661.77
HOLLANDALE$3,662.26
BELZONI$3,664.36
TCHULA$3,672.14
LENA$3,674.46
CLARA$3,675.00
LOUISE$3,675.04
SILVER CITY$3,675.50
MAGEE$3,675.57
BROOKHAVEN$3,677.90
OVETT$3,679.49
RIDGELAND$3,679.51
WIGGINS$3,682.18
HERNANDO$3,682.39
BRANDON$3,688.25
DURANT$3,689.07
WAYSIDE$3,689.71
EASTABUCHIE$3,690.06
SANDERSVILLE$3,690.13
FLOWOOD$3,694.35
CARTHAGE$3,696.62
NESBIT$3,698.93
MC LAIN$3,698.94
OAKLAND$3,699.62
GRENADA$3,701.07
RUTH$3,702.34
TILLATOBA$3,702.54
PINEY WOODS$3,702.55
RICHLAND$3,702.94
GREENVILLE$3,704.98
SLATE SPRING$3,708.50
EDWARDS$3,710.36
GOODMAN$3,713.87
PACHUTA$3,715.17
HEIDELBERG$3,715.21
LEXINGTON$3,716.05
LAKE CORMORANT$3,719.02
TUNICA$3,719.33
MENDENHALL$3,719.91
PICKENS$3,721.72
FLORA$3,722.60
HORN LAKE$3,723.28
BOLTON$3,723.62
WEBB$3,725.45
ENTERPRISE$3,725.47
MCCOMB$3,726.10
QUITMAN$3,728.41
BOGUE CHITTO$3,728.91
WALTHALL$3,729.29
BATESVILLE$3,732.00
CRENSHAW$3,733.97
SHUBUTA$3,735.32
COURTLAND$3,735.77
FALCON$3,738.19
PAULDING$3,740.64
TYLERTOWN$3,741.79
HOLLY BLUFF$3,744.73
ANGUILLA$3,746.71
MAGNOLIA$3,749.57
FLORENCE$3,750.39
SOUTHAVEN$3,750.82
STONEWALL$3,751.02
LONG BEACH$3,752.02
DIBERVILLE$3,752.08
TAYLORSVILLE$3,753.10
DUNDEE$3,753.83
ROBINSONVILLE$3,753.89
LEAKESVILLE$3,753.90
ARCOLA$3,756.01
POPE$3,759.59
TIPPO$3,761.01
BILOXI$3,763.29
AVON$3,763.33
BELLEFONTAINE$3,764.74
WALLS$3,765.54
PEARL$3,766.27
SLEDGE$3,766.40
COMO$3,766.41
SARDIS$3,770.51
VOSSBURG$3,770.60
GRACE$3,773.09
VAUGHAN$3,773.12
PASS CHRISTIAN$3,773.31
MIZE$3,774.16
MORGAN CITY$3,774.88
HARRISVILLE$3,775.83
NEELY$3,776.69
OLIVE BRANCH$3,777.42
SWIFTOWN$3,778.81
MONEY$3,778.84
BENTON$3,779.30
GAUTIER$3,780.36
DUBLIN$3,780.58
PERKINSTON$3,782.76
STATE LINE$3,783.41
WAYNESBORO$3,785.18
CROWDER$3,786.36
MONTICELLO$3,788.18
PULASKI$3,790.79
SUMMIT$3,791.10
SATARTIA$3,792.33
YAZOO CITY$3,796.49
PASCAGOULA$3,797.96
OSYKA$3,798.18
GLENDORA$3,799.62
MC HENRY$3,799.92
BUCKATUNNA$3,799.94
RALEIGH$3,803.11
MORTON$3,803.32
CASCILLA$3,803.75
MC NEILL$3,804.09
PURVIS$3,806.35
CLINTON$3,807.14
LUMBERTON$3,807.38
BELEN$3,808.67
LULA$3,811.03
VANCLEAVE$3,811.40
JONESTOWN$3,811.84
GULFPORT$3,811.98
PARCHMAN$3,812.76
OAK VALE$3,814.87
MOSS POINT$3,818.01
PINOLA$3,818.60
JAYESS$3,823.17
BENTONIA$3,824.40
DELTA CITY$3,826.84
BRAXTON$3,829.25
SCOTT$3,834.98
MARKS$3,837.93
SAUCIER$3,838.19
SHERARD$3,838.40
NEWHEBRON$3,841.08
BEAUMONT$3,842.30
DIAMONDHEAD$3,845.45
ENID$3,850.63
SONTAG$3,853.84
GEORGETOWN$3,854.09
MOUNT OLIVE$3,855.45
PEARLINGTON$3,857.61
RICHTON$3,858.15
METCALFE$3,858.94
SUMNER$3,863.48
BAY SAINT LOUIS$3,866.44
LAMBERT$3,868.11
LUCEDALE$3,870.67
COLLINS$3,874.34
SUMRALL$3,875.20
WINSTONVILLE$3,877.63
WAVELAND$3,878.23
BUDE$3,878.24
MIDNIGHT$3,887.65
OCEAN SPRINGS$3,887.70
PACE$3,887.91
FRIARS POINT$3,890.85
SWAN LAKE$3,892.34
CHARLESTON$3,893.53
SMITHDALE$3,894.09
WESSON$3,894.35
MEADVILLE$3,896.44
HARPERVILLE$3,899.88
RAYMOND$3,901.26
SIBLEY$3,901.71
PUCKETT$3,904.26
WINTERVILLE$3,905.29
TUTWILER$3,905.77
SEMINARY$3,906.08
POPLARVILLE$3,906.10
COAHOMA$3,907.93
TERRY$3,909.79
CLARKSDALE$3,910.45
SANDY HOOK$3,912.19
ELLIOTT$3,913.97
CRYSTAL SPRINGS$3,917.41
LYON$3,917.55
MC CALL CREEK$3,921.02
BYRAM$3,928.45
NEW AUGUSTA$3,930.59
LIBERTY$3,932.20
JACKSON$3,932.54
VANCE$3,932.66
PICAYUNE$3,932.75
TIE PLANT$3,934.31
D LO$3,934.83
ROXIE$3,941.64
BASSFIELD$3,944.37
COLUMBIA$3,946.60
RENA LARA$3,953.83
SILVER CREEK$3,955.17
KOKOMO$3,956.73
KILN$3,979.89
CARRIERE$3,984.17
GLOSTER$3,984.59
FOXWORTH$3,987.89
GALLMAN$3,988.22
PANTHER BURN$3,988.98
DARLING$3,989.17
HAZLEHURST$3,990.92
FARRELL$3,994.55
WHITFIELD$3,994.81
CARSON$4,005.18
CENTREVILLE$4,006.38
ROME$4,009.06
PRENTISS$4,013.94
HURLEY$4,024.29
CHATAWA$4,041.93
UNION CHURCH$4,051.00
UTICA$4,053.44
FAYETTE$4,107.16
TINSLEY$4,112.92
LAKESHORE$4,129.33
TOUGALOO$4,138.74
CROSBY$4,144.61
WOODVILLE$4,149.93
WASHINGTON$4,157.25
FERNWOOD$4,170.57
PATTISON$4,185.94
NATCHEZ$4,189.65
PORT GIBSON$4,242.24
LORMAN$4,250.87
HERMANVILLE$4,323.64

Just like rates by zip-code, rates by the city are a great statistic to look at. The city rates are a broader picture of what to expect in certain areas.

Again, the most expensive city in Mississippi is in Hermanville, and the cheapest city is in Starkville. Be careful. Hermanville may have a high cost of living and low crime rates while Starkville may have the opposite.

Keep in mind; these statistics are all averages. If you have a good driving record, and excellent credit, your rates will be cheaper. If you have bad credit and accident’s DUI’s or tickets, your rates will be much more expensive.

Best Car Insurance Companies in Mississippi

You always want to save money when it comes to auto insurance, but if you pay a little more and get better coverage it’s worth it. Sometimes the cheapest isn’t the best. More coverage can save you know what if you get involved in a bad accident.

Let us break down the top companies in Mississippi and the entire United States. You can decide for yourself which is best for you. Instead of searching for hours and hours on the internet, you can find all your data in one place. Doing your search for the right company short, sweet, and to the point.

In the next sections, we’ll give you all the data you need to choose the best company for you.

The Largest Companies’ Financial Rating

Financial ratings may seem a bit superfluous to your life, but when it comes to auto insurance, these ratings can help a lot. The companies that come out with financial ratings aren’t paid by the insurance companies, sp they are unbiased. An unbiased opinion on what you may be purchasing is always a positive.

Every company you see on T.V. may have the most money, and hence the ability to buy that expensive air-time. But sometimes those companies aren’t the best for you.

Each year AM Best comes out with a financial rating for top companies in auto insurance. This rating gives a grade to every company to help you understand which companies are the best. This information can be vital in determining the best company for you.

Companies with the best financial ratings have the ability to pay claims, even in the case of a major accident. This can keep you protected.

CompanyA.M. Best Rating
GeicoA++
State FarmA++
USAAA++
AllstateA+
ProgressiveA+
FarmersA
Liberty MutualA
Travelers GroupA

A++ is the highest you can rating a company can get. In this case, most of the top companies have the best ratings as well. Be careful; if they know this rating is high, they may be overcharging you.

Companies With The Best Ratings

JD Power is the most trusted name in insurance ratings and many other fields. They release awards yearly to the top companies in each state and the entire nation.

USAA ranks above all other insurance companies due to them only supporting military members and their families, so they are in a bracket all alone. But in the southeast region, none of the top 10 companies in the nation such as Geico, State Farm, or Progressive rank in the top 5 according to JD Power.

The best-ranked insurance company in the Southeast region is Farm Bureau Insurance of Tennessee. They come in with a score even higher than USAA at 888 out of 1000. This is higher than most companies in the entire country.

Cheapest Companies in Mississippi

Rates are an essential part of car insurance. Saving money is always a good thing, so knowing the best prices and what companies in Mississippi have them can be your best friend.

In the following sections, we will break down the rates by different factors, including commute, coverage levels, and credit history.

This will help you decide which company is best for you, and which covers that the company offers that best fits your needs.

Commute Rates By Company

Car insurance companies can sometimes get aggressive with rates when you have a longer commute. The rule of thumb to use is, the more you are on the road, the more accidents, tickets, or other insurance-related situations can happen.

CompanyCommute and Annual MileageAverage Cost
Liberty Mutual25 miles commute. 12000 annual mileage.$13,847.08
Liberty Mutual10 miles commute. 6000 annual mileage.$13,055.12
MS25 miles commute. 12000 annual mileage.$3,608.63
MS10 miles commute. 6000 annual mileage.$3,570.71
Nationwide10 miles commute. 6000 annual mileage.$2,926.49
Nationwide25 miles commute. 12000 annual mileage.$2,926.49
USAA25 miles commute. 12000 annual mileage.$2,899.06
USAA10 miles commute. 6000 annual mileage.$2,824.14
State Farm25 miles commute. 12000 annual mileage.$2,122.82
State Farm10 miles commute. 6000 annual mileage.$2,011.15

Each company can change or not change these rates by commute. In Mississippi, where long commutes are not the norm, rates do not change drastically.

Some companies like Liberty Mutual will bump their rates up by almost a thousand dollars, however. The best thing to do is if you know you have a long commute, find companies that do not inflate their rates based on commute.

Coverage Level Rates By Company

Coverage levels are very different. They are broken down in three groups; low coverage, which is usually the bare minimum, medium coverage, and high coverage.

Each company charges based on what they cover so within each bracket; some companies may include more or less.

More often than not, you can find a company that charges the same amount for a medium coverage that another does for minimum or low coverage. Assure you know what is being covered by your company.

CompanyCoverage TypeAnnual Average
AllstateHigh$5,160.28
AllstateMedium$4,936.29
Liberty MutualHigh$4,750.94
AllstateLow$4,727.46
ProgressiveHigh$4,710.11
Liberty MutualMedium$4,435.93
ProgressiveMedium$4,368.16
GEICOHigh$4,286.85
Liberty MutualLow$4,179.80
GEICOMedium$4,114.68
TravelersHigh$3,897.41
ProgressiveLow$3,859.52
GEICOLow$3,857.53
TravelersMedium$3,752.92
TravelersLow$3,540.18
State FarmHigh$3,161.38
State FarmMedium$2,967.50
NationwideHigh$2,914.81
State FarmLow$2,811.35
NationwideMedium$2,747.46
NationwideLow$2,606.25
USAAHigh$2,200.90
USAAMedium$2,045.11
USAALow$1,922.75

USAA‘s high coverage is cheaper in Mississippi than any other insurance companies low coverage. If you have served and have USAA, you’re sitting pretty even with the highest coverage.

The cheapest companies next to USAA are Nationwide and Progressive.

Choose carefully which level is best for you. If you have a long history of excellent driving, then low coverage may be all you need

Credit History Rates By Company

GroupCredit HistoryAnnual Average
Liberty MutualPoor$14,094.18
Liberty MutualFair$9,029.73
Liberty MutualGood$7,062.75
GEICOPoor$6,161.23
AllstatePoor$5,721.87
AllstateFair$5,065.11
ProgressivePoor$4,891.94
TravelersPoor$4,233.92
ProgressiveFair$4,170.46
AllstateGood$4,037.04
USAAPoor$3,914.74
ProgressiveGood$3,875.40
TravelersGood$3,502.98
GEICOFair$3,490.89
TravelersFair$3,453.60
State FarmPoor$3,451.55
NationwidePoor$3,397.54
NationwideFair$2,747.94
GEICOGood$2,606.95
NationwideGood$2,459.66
State FarmFair$2,102.98
USAAFair$2,069.13
USAAGood$1,776.60
State FarmGood$1,581.04

Out of all factors that car insurance companies use to determine rates, credit history is by far the most important.

The difference between mediocre and good credit can mean upwards of $4000. This table breaks down the most expensive to the cheapest rates for each top company by what drivers credit history.

The most competitive company in Mississippi is State Farm when it comes to credit history, but even they inflate charges by up to two thousand dollars when you have poor credit.

Keeping track of your credit is essential. How many accounts you have and how much debt is on each of those accounts affects your credit score a great deal.

According to Experian, the average credit score in Mississippi is 647. This is the lowest in the entire nation. This is terrible news for the insurance rates of the state. This can affect those rates drastically.

Driving Record Rates By Company

CompanyDriving RecordAnnual Average
AllstateWith 1 DUI$5,956.24
GEICOWith 1 DUI$5,869.23
Liberty MutualWith 1 DUI$5,170.33
Liberty MutualWith 1 accident$5,046.99
ProgressiveWith 1 accident$4,952.25
AllstateWith 1 accident$4,912.99
AllstateWith 1 speeding violation$4,726.86
TravelersWith 1 DUI$4,688.01
Liberty MutualWith 1 speeding violation$4,442.21
ProgressiveWith 1 speeding violation$4,338.27
ProgressiveWith 1 DUI$4,267.10
AllstateClean record$4,169.28
GEICOWith 1 speeding violation$4,078.45
GEICOWith 1 accident$3,856.26
ProgressiveClean record$3,692.78
NationwideWith 1 DUI$3,574.60
TravelersWith 1 speeding violation$3,558.80
TravelersWith 1 accident$3,413.50
State FarmWith 1 accident$3,312.87
TravelersClean record$3,260.37
Liberty MutualClean record$3,162.70
State FarmWith 1 DUI$2,949.82
State FarmWith 1 speeding violation$2,949.82
NationwideWith 1 accident$2,809.29
USAAWith 1 DUI$2,783.92
State FarmClean record$2,707.79
GEICOClean record$2,541.48
NationwideWith 1 speeding violation$2,438.23
NationwideClean record$2,202.58
USAAWith 1 accident$2,050.45
USAAWith 1 speeding violation$1,785.46
USAAClean record$1,605.19

DUI’s are a sure-fire way to ruin your affordable auto insurance rates no matter what coverage you have.

Just one speeding ticket can change your annual rates by hundreds of dollars. Accidents are also going to raise your rates drastically. Though your credit history may be less important than your credit history, it can still land you an expensive rate.

If you have a clean record in Mississippi, Nationwide could offer you rates as low as $2000 annually.

Number of Insurers in Mississippi

In each state there a number of different companies that you can be insured by. The list is endless; it seems. Most only know of the familiar names in the auto insurance business, but there are hundreds more.

In Mississippi, there are 15 domestic insurers and 907 foreign insurers. Coming to a grand total of 922 insurers that you have the choice to use. That is more than enough options.

The term “foreign” insurers mean out of state, not out of the country. With that many companies to choose from, it can be a tricky task to choose the right one. That’s where we come in play.

Mississippi State Laws

Laws in every state are confusing and hard to read. Using language that is as dense as it gets is the best asset of our lawmakers. Breaking down the crucial laws in plain language can help you with every part of your life but especially when it comes to shopping for car insurance.

In this section, we’ll review the state laws of Mississippi that are good to remember and also some of the auto insurance laws that are the most important.

Car Insurance Laws

Since we’ve covered a lot on auto insurance already, let’s continue with car insurance laws that people forget, that need to be known.

How State Laws for Car Insurance Are Determined

In every state, car insurance laws are determined in a different way. Insurance is regulated on a state level, and states use different tactics to regulate the rates that companies are allowed to charge its buyers.

According to the NAIC, Mississippi uses a prior approval system. This system means that before rates are determined and given to the consumer that they must be approved by the state legislature.

Many believe this system saves people a lot of money on rates as oppose to the file-and-use system.

Windshield Coverage

Windshield coverage can get weird, quickly. Many insurance companies will not cover your windshield any longer if you use a company that isn’t approved by them.

Windshields crack, its simply part of life and something you cannot control. For this reason, most insurance companies have no qualms about covering them. Plus, they aren’t too expensive to replace.

When it becomes tricky, is when you replace your windshield without assuring the company you use is accepted by your insurance company.

High-Risk Insurance

High-risk insurance refers to individuals with a poor driving record, bad credit, or simple inexperience behind the wheel.

Of course, high-risk insurance is much more expensive than the average driver’s insurance. With bad driving, comes bad rates. Many insurance companies you come across will reject you completely. If you have multiple driving incidents, companies will not insure you at all.

Without insurance, you are taking the risk of driving altogether.

Low-Cost Insurance

Mississippi does not have a low-cost insurance system set up. Those systems are usually in states where there is a high poverty rate and a low average annual income.

The only states that have government-funded programs are California, Hawaii, and New Jersey. These programs are built to help low-income families be able to protect themselves while they drive.

Automobile Insurance Fraud in Mississippi

Insurance fraud can be committed in a number of ways, but the main way is filing a claim that did not actually happen and expecting a payout from it.

Some other common fraud acts are misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered, and staging accidents.

Depending on the severity, and amount of money stolen; insurance fraud in Mississippi is punishable by up to 20 years in prison and a fine up to $100,000.

If you suspect anyone you know or have seen is committing insurance fraud in the state, the Mississippi Insurance Department website will show you how to report it.

Statute of Limitations

A statute of limitation refers to the period of time for the bringing of legal action. This means that people affected have a certain amount of time to pursue legal action after an incident.

For example, if a driver gets in an accident and six years later says they have damage from the accident and tries to sue the other driver; they will not be under the statute of limitations. The claim will be null and void.

In Mississippi, there are two different amounts of time; one for PI or personal Injury and one for PD or Property Damage. The limitations for PI and PD are both three years for the state.

State Specific Laws

Auto insurance can sometimes be a drag to talk about. This section is meant to give your brain a break and have some fun. We all know there are weird laws in every state; here are some of the weirdest to come out of Mississippi.

  • It is illegal to house your horse 50 feet from any road.
  • It is illegal to live with your significant other if you’re not married.
  • In Columbus, the fine for shooting a gun in public is actually less than the fine for waving a gun in public.

Vehicle Licensing Laws

As in most states, vehicle licensing laws are handled in Mississippi by the DMV. There are a lot of different rules and regulation to know about, but these are the most important ones to keep in mind. Knowing these could help you out in your shopping for insurance.

Real ID

According to Homeland Security, The Real ID Act establishes security standards for license issuance and production. This prohibits Federal agencies from accepting driver’s licenses and ID cards from states not meeting the Act’s minimum standards.

Mississippi is a Real ID-compliant state. If you have a Real ID license, it will be noted by a star on your driver’s license.

Penalties for Driving Without Insurance

If you are caught driving without the minimum amount of liability coverage in Mississippi, you will face at least:

As long as you have the following on your proof of insurance (electronic or paper), you have nothing to worry about.

  • Make
  • Model
  • Year
  • Safety rating
  • Value of the car
  • Your name and the name of any other drivers under your car’s policy.
  • The expiration date of your insurance policy’s term.

Teen Driver Laws

Teens are high-risk drivers. Statistics show that they are the most delicate drivers on the road.

According to IIHS, teens in Mississippi must get their permit at 15 and wait one year to turn 16 and get their license. States passed these rules to combat the safety of teen driving. Instead of letting teens be tossed right into driving, the year grace period gives them a chance to learn.

These tactics help teens transition into driving more seamlessly, but they are still the highest risk drivers on the road. That is why they pay so much more for insurance than any other age group.

Older Driver License Renewal Procedures

Mississippi does not have laws that are different for older people than younger people. The general population of the state must get their license renewed every four or eight years. This is a personal option for the driver.

Older drivers can be just as dangerous on the roads as teens can. Seeing, hearing, and motor functions start to fade as you get older, and these are all extremely dangerous things on the road.

However, elderly people are charged the least out of all age groups on car insurance. As you learned earlier, if you are 60 or older in Mississippi, no matter what company it is, you are going to be paying about $1,000 less than 35 and older.

New Residents

New residents in Mississippi are not required by law to have their license renewed by a certain time. When the license you currently have expires, you can go to your local DMV and purchase the Mississippi drivers license.

Rules of the Road

There are so many rules around the driving world that sometimes we all forget or just need to be freshened up on some of the basic laws of the road. The rules can get a bit complicated, so here are some of the most important ones that go unnoticed on occasion.

Some are straight forward and act as a reminder while others are things drivers forget and need be repeated. For most road laws, the IIHS website is a convenient place to visit.

Fault Vs. No-Fault

As we discussed in an earlier section, fault and no-fault states are vastly different when it comes to auto insurance.

At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm. The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc.

Seat Belts and Car Seat Laws

Mississippi is a fairly lax state when it comes to seat-belt laws. There are no huge government programs like the “Click-It or Ticket” program in Florida.

It is a finable offense if a driver or passenger are not wearing one. Car seats also must be strapped in properly.

Keep Right And Move Over Laws

The keep right law states that slower traffic must keep right in all instances. This is not only for safety for all drivers but also to keep the flow of traffic moving and limit commutes.

The move-over law states that if you are in the left lane and a car comes up behind you going faster than you are, that you must switch lanes. Just like the keep right law, this keeps traffic moving at a much faster pace.

Speed Limits

Speed limits are the most ignored law on the road. They keep everyone safe but ignoring them and driving at ridiculous speeds can put you and everyone around you at risk.

In Mississippi, the speed limit on all highways is 70 mph, and on other 3-4 lane roads, it is 65 mph.

Ridesharing

Uber and Lyft are coming to the main stage of driving. If you are driving for a ridesharing service, some companies will not insure you when you are doing so. Be careful what company covers what if you plan on being a rideshare driver.

In Minnesota, most major insurance companies will cover you if you are in an Uber. Some insurance policies that drivers have may not cover the passenger in the case of an accident.

Carpooling is not a favorite form of transportation for Mississippians.

Automation On The Road

There are no state-specific laws in Mississippi that govern whether or not you can operate automated cars.

With today’s technology, this is becoming more and more a possibility. In places like Michigan, you must be behind the wheel even if you aren’t driving.

Simply driving a car like the old days, but in a safe way, seems to be the best option.

Safety Laws

Some more laws that you need to remember when it comes to are impaired and distracted driving laws. There are a lot of different safety regulations that are simply meant to help everyone be better on the roads.

The number one job of the Mississippi Department of Transportation is to see through the safety of the roads.

DUI Laws

DUI’s are the number one cause of death on the road in every state in the country.

The legal limit across America is 0.08, but now many states are starting to give out tickets for “buzzed driving” as well. This is considered to be around the 0.04 to 0.05 range. They cannot legally detain you, but it is now becoming a fineable offense.

They do not have laws against high Blood Alcohol levels. Some neighboring states are passing out higher fines and sentences if you are caught with a BAC above 0.15. Mississippi does not partake in these.

A DUI could land you $10,000 in fines, not to mention legal fees; plus a good amount fo jail time. The foolproof way to avoid all this is simple, don’t drink and drive.

 

Marijuana Impaired Driving Laws

Marijuana is not yet legal in the state of Mississippi, so it is still fineable and illegal; However, there is no state-specific law against driving while on marijuana.

Distracted Driving Laws

Distracted driving can be just as dangerous as driving under the influence.

With all the distractions we have in today’s world, it is becoming an epidemic, texting while driving is starting to catch up statistically to drunk driving.

To combat this, Mississippi has developed laws that make distracted driving a fineable offense as well.

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Driving in Mississippi

How do you stay safe? How do you keep your insurance rates falling and out of trouble? Knowing the statistics is the answer. But it can be hard to make sense of all of them.

In this section, we’ll break down the stats, facts, and how to keep yourself in the know, so you have the facts for your insurance shopping.

From thefts to fatalities in your county, the statistics of Mississippi will help you understand what you’re being charged.

Vehicle Theft in Mississippi

Vehicle theft is a huge issue in America. It is growing in every city in the country. The sure-fire way to combat it is by locking your doors. In some cities, it is much worse than in others, so the data can be shocking.

Rank in MississippiMake/ModelYear of VehicleThefts
1Chevrolet Pickup (Full Size)1994286
2Ford Pickup (Full Size)2006278
3Nissan Altima2015128
4Chevrolet Impala2006114
5GMC Pickup (Full Size)2000103
6Toyota Camry201494
7Honda Accord200791
8Dodge Pickup (Full Size)200585
9Chevrolet Malibu201573
10Chevrolet Tahoe200568

As you can see in the table the most stolen car in Mississippi is the 1994 Chevy Pickup.

Road Fatalities in Mississippi

Of the 2.98 million people residing in Mississippi in 2017, there were 690 road fatalities. This is a good number compared to the rest of the United States.

In the United States as a whole, there were 34,247 fatal motor vehicle crashes in 2017 in which 37,133 deaths occurred.

Fatalities By Road Conditions

Thankfully, road conditions in Mississippi are very good due to the weather. The biggest worry on roads in the state would be darkness and heavy rain.

In 2017 there were 30 fatal accidents due to rain and around 260 due to complete darkness and inability to see.

Fatalities: Five Year Trend for the Top 10 Counties

County to county fatalities can be telling for where the most dangerous areas are. Some counties have strictly rural roads and will have more single-vehicle crashes. While other counties that have large cities in them may have more multiple car pile-ups.

Mississippi County Fatalities by 2017 RankingCountyTotal Fatalities (2013)2014201520162017
1Hinds County2831474645
2Harrison County2423282134
3Desoto County1719242423
4Jackson County1828202723
5Lee County1920141923
6Rankin County2118161922
7Panola County1511101221
8Pike County911151320
9Forrest County89151018
10Marshall County1414171617

The county with the most fatalities in Mississippi in 2017, was Hinds County with 45 fatalities.

Rural Vs. Urban Fatality Rates

Rural and urban roads and their safety issue are very different. On rural roads, the dangers involve bad roads, no lighting on roads, wild animals, etc. But the dangers of urban roads involve pedestrians, motorcycles, traffic, etc.

Rural vs Urban Fatalities 20132014201520162017
Rural519551559533430
Urban9456118154259
Unknown00001

Most traffic fatalities in the past five years happened in rural areas in Mississippi. This has something to do with here not being any extremely large cities in the state.

Fatalities By Vehicle Type

As in every state, the most fatalities happen in regular passenger vehicles and pick-up trucks.

In Mississippi, 309 of the 690 fatal crashes in 2017 were in passenger vehicles. Coming to about 45 percent of all fatal crashes.

Fatalities By Crash Type

This section refers to what kind of accident the fatality happened in. The most in Mississippi were single-vehicle cars. Which means that they ran off the road, or we’re drunk driving, etc.

As mentioned before, driving in the darkness in the long scenic roads like the Natchez Trace Parkway probably account for many of these deaths.

Crash Type20132014201520162017
Total Fatalities (All Crashes)*613607677687690
Single Vehicle396366399409375
Involving a Large Truck63817278102
Involving Speeding12696968159
Involving a Rollover168151207200174
Involving a Roadway Departure382325424432399
Involving an Intersection 11011210498108

Fatalities Involving Speeding By County

Speeding is a dangerous thing. Next to drinking while driving speeding can endanger everyone around you and make you unable to control the vehicle in a proper way.

Mississippi has become one of the safest states in America when it comes to speeding. In 2008 there were 327 fatal crashed due to speeding. Now, in 2017, there were only 59 deaths due to speeding.

Fatalities Involving an Alcohol-Impaired Driver

The best way to get yourself killed is by driving under the influence. Driving drunk kills more people every year than any other thing on the roads.

Mississippi is also doing a great job limiting deaths due to drinking. In 2017 there were 148 fatal crashes because of drinking.

Teen Drinking and Driving

Drinking while driving should never be done no matter what age. But underage teen driving under the influence is becoming more of an issue in the past years.

Stanford Children’s Health found that the leading cause amongst teens is alcohol-impaired driving.

Transportation

Transportation is important to talk about when it comes to auto insurance. In the next sections, we’ll talk about how many cars are on the road, commute times, and how much traffic there is in the great Magnolia State.

The best way to go anywhere in the United States is by car. As do, most households in America, about 40 percent of Mississippians have two cars per household.

Commute Time

Commute times are important. Traffic congestion can raise your rates. For example, in Los Angeles, California; the rates for car insurance based on traffic congestion are going to be much higher than those in Montana.

Out of the 1.2 million employees in Mississippi, the average commute time is about 24 minutes. This is shorter than the national average by a few minutes. A positive from every standpoint.

To add, 2.7 percent of the employees in the state have “super commutes.” This refers to travel times of over 90 minutes. This number may seem high, but it’s higher than other states because the population of drivers is lower.

Commuter Transportation

How people get to work is great data to look at to see how your state stacks up the rest of the United States. Knowing these facts, you are better prepared to know the roads and how they work in Mississippi.

According to the graph, almost 85 percent of people in the state drive alone to work. This is quite a bit higher than the national average. To add, even fewer people work from home than the rest of the nation.

A positive is how little people use motorcycles in Mississippi. At less than 1 percent of the road traveling by motorcycle, the road is much safer.

Traffic Congestion in Mississippi

Traffic should be the least of your worries in Mississippi. Interstate 55 and Interstate 20 may give you a headache if you travel on them at certain times, but for the most part, Mississippi is one of the best traffic congestion states in the country. Not a single city in the state is listed in the top 100 by Inrix.

Jackson is a fairly large city but still not enough to break into the top 100 of congestion in the country. This will help your insurance rates a great deal. The less the possibility of an accident, the better your rates will be, generally.

Conclusion

Mississippi is a historic place with loads of tales to tell beyond what Mark Twain taught us. Life on the Mississippi used to be simple and straight forward. But today it is like most other states. It has its translucent history but with a modern-day marvel.

Mississippi’s car insurance is no different. It has its quirks and its modern-day normalities.

This article should have you ready to be smart, knowledgeable insurance buyer instead of an insurance searcher. With knowledge of how you should be charged, you can find the best rate for you and your family. With statistics of Mississippi roadways, you can assure your own safety with the correct car insurance.

Whether you’re a teenager looking to buy for the first time in Mississippi or veteran insurance consumer looking for a better rate; this article will help you find what you need.

When you’re ready, the links below will help you find a great quote from the top companies. Rates are important, but coverage levels, company ratings, and insurance regulations can help you find the best insurance for you and your family.

Want to rest easy knowing you have the best rate on your car insurance? Start shopping around by entering your zip code below right now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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