Finding Affordable Auto Insurance In Mississippi

Mississippi car insurance costs vary depending on factors such as age, driving history, and credit score. The average cost of full coverage car insurance in Mississippi is $1,434 per year or $120 per month. The cheapest car insurance companies in Mississippi are USAA, State Farm, National General Insurance, and Mississippi Farm Bureau Insurance.

Cheapest car insurance for young drivers

Car insurance for young drivers in Mississippi can be expensive, with teens paying three times more for car insurance than older drivers. However, there are ways to find cheaper insurance for young drivers in the state.

Cheapest car insurance for teens

According to Bankrate, the cheapest car insurance for teens in Mississippi is Shelter, with an average annual premium of $4,446 for a 16-year-old driver. USAA is the second-cheapest option, with an average annual premium of $4,890.

Cheapest car insurance for teens with a ticket

State Farm offers the cheapest car insurance for teens with a ticket in Mississippi, with an average annual premium of $4,890.

Cheapest car insurance for teens with an at-fault accident

USAA is the cheapest option for teens with an at-fault accident, with an average annual premium of $5,865.

Progressive offers the cheapest car insurance for young drivers with a DUI in Mississippi, with an average annual premium of $6,425. State Farm is the second-cheapest option, with an average annual premium of $6,451.

Cheapest car insurance for young adults

Direct General Insurance offers the cheapest car insurance for young adults in Mississippi, with an average annual premium of $991. Mississippi Farm Bureau is the second-cheapest option, with an average annual premium of $1,134.

Cheapest car insurance for seniors

Progressive offers the cheapest car insurance for seniors in Mississippi, with an average annual premium of $667.

Cheapest car insurance for drivers with a DUI

Mississippi drivers with a DUI on their record will see their insurance rates increase. A DUI is one of the most serious driving infractions and will result in penalties such as fines and jail time. A DUI will stay on your record for five years and will result in more expensive car insurance rates.

The cheapest car insurance for drivers with a DUI in Mississippi is offered by State Farm, with an average rate of $1,030 per year for full coverage. The second cheapest option is Mississippi Farm Bureau, with an average rate of $1,518 per year.

For drivers with a DUI on their record, insurance companies may consider them high-risk, and rates may increase by as much as 50%. It's important to compare quotes from multiple insurance companies to find the best rate.

Cheapest car insurance for drivers with a speeding ticket

Mississippi drivers with speeding tickets pay $314 per month for full coverage and $114 for liability-only policies, on average. State Farm has the most affordable quotes for Mississippi drivers with a recent speeding ticket. A full coverage policy from State Farm costs $95 per month. That's half as much as most Mississippi drivers pay after a single ticket.

State Farm has the most affordable quotes for Mississippi drivers with a recent speeding ticket. A full coverage policy from State Farm costs $95 per month. That's half as much as most Mississippi drivers pay after a single ticket.

Mississippi drivers with speeding tickets pay $314 per month for full coverage and $114 for liability-only policies, on average.

How speeding tickets affect car insurance rates

Speeding is a risky driving behavior that can lead to an accident. If you have one or more speeding tickets on your record, you’ll likely pay more for an auto policy than a driver who always follows the speed limit.

Other factors that affect car insurance rates

At-fault accidents, DUIs, and poor credit can also increase your car insurance costs. Drivers with clean records tend to pay the lowest rates.

How to get cheap car insurance in Mississippi

• Shop around. Get quotes from several car insurance companies to zero in on the cheapest rates.
• Look for discounts. Most car insurance companies offer a variety of discounts. Common discounts include good driver, anti-theft device, and loyalty discounts.
• Drive safely. Do your best to drive responsibly and avoid accidents.
• Consider usage-based insurance. If you don’t drive a lot, usage-based or pay-per-mile insurance can save you money.

Cheapest car insurance for drivers with an accident on their record

Mississippi drivers with an accident on their record can find cheap car insurance rates with State Farm, USAA, and Progressive.

State Farm offers the cheapest rates for Mississippi drivers after an at-fault accident. The company charges $105 per month for full coverage, which is less than half of what most Mississippi drivers pay after causing a crash.

USAA is the second-cheapest option for drivers with an accident on their record in Mississippi. The company offers an average rate of $1,310 per year. However, it's important to note that USAA is only available to current and former military members and their families.

Progressive offers the lowest rates for Mississippi drivers with a speeding ticket and the second-lowest rates in the state for drivers with at-fault accidents or DUIs. The company is a good choice for those with mixed driving histories.

Cheapest car insurance for married drivers

Mississippi drivers pay car insurance rates well below the national average. The average cost of full coverage car insurance in Mississippi is $150 per month, or $1,796 per year. A minimum coverage policy costs $55 per month, or $662 per year.

The cheapest car insurance companies in Mississippi for married drivers are:

• Direct Auto: $16 per month
• Geico: $28 per month
• State Farm: $31 per month
• Nationwide: $32 per month
• Progressive: $34 per month

Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure.

Frequently asked questions