Fast, Free Quotes, Instant Savings


Get Fast, Free Insurance Quotes! Enter zip code & compare rates, see how much you can save

Cheap Car Insurance in Mississippi

mississippi car insuranceIn the market for Mississippi automobile insurance? If you live in Jackson, Gulfport, Hattiesburg, Biloxi, or Southaven, you can find up to eight rate quotes from first rate agencies near you from Price ranges fluctuate by provider and you ought to compare rates diligently before you buy a policy. We’ll show you how to find the coverage to suit your needs.

Mississippi Auto Insurance – Average Premiums

State average costs in Mississippi can vary, most drivers are probably paying around $89/mo for their coverage. Some places, like Jackson, are much more expensive (around $116 each month) but other places, like Southaven, are much cheaper (as little as $80/month).

Average Auto Insurance Costs in Mississippi Legend: Major City Biloxi Gulfport Hattiesburg Jackson Southaven State Average 10 20 30 40 50 60 70 80 90 100 110 $84 $87 $81 $116 $80 $89


Important Mississippi Auto Insurance Laws and Requirements

It is very easy to find cheap Mississippi car insurance. There aren’t any no-fault laws on the books, so purchasing no-fault insurance is not required within the state of Mississippi. Additionally, the state does not require its drivers to purchase UM/UIM coverage either. Liability is of course required, and the minimum amounts of coverage are outlined below:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 1,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Choosing the Right Amount of Mississippi Car Insurance Coverage

Part of the reason Mississippi automotive insurance costs are so low is because of how few requirements they put on drivers. For example, they don’t require any personal injury protection, comprehensive coverage, or even uninsured motorist coverage. But all of these could be important, or even essential, for certain drivers.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Biloxi Gulfport Hattiesburg Jackson Southaven State Average 15 30 45 60 75 90 105 120 135 $46 $121 $47 $126 $41 $120 $41 $142 $43 $117 $44 $125


Mississippi DUI Laws

If you are convicted of your first DUI offense, you may face the following penalties: up to 48 hours in jail; a fine between $250 and $1,000; your license may be suspended for 90 days; a hardship license may be imposed after 30 days; and required attendance at an alcohol safety education program and/or a victim impact panel

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Mississippi, you will need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in Mississippi Legend: Clean Record DUI Violation Biloxi Gulfport Hattiesburg Jackson Southaven State Average 10 20 30 40 50 60 70 80 90 100 $46 $97 $47 $100 $41 $87 $41 $103 $43 $95 $44 $97 $ $


Age Limit Laws

You can be as young as 15 and still apply for a learner’s permit in Mississippi. But you have to maintain good standing for at least 12 months. Strangely, unlike in almost every other state, there are no required hours of supervised driving before you can apply for your intermediate permit at age 16. The intermediate permit puts nighttime driving restrictions on young drivers between the hours of 10 PM – 6 AM Sunday through Thursday, and 11:30 PM – 6 AM Friday and Saturday. Also, unlike almost every other state, there are no restrictions on how many non-family passengers can ride with an intermediate driver at any given time. At 16 years and 6 months, they can apply for a full license. The extremely lax GDL laws of Mississippi might account for why there is over a 200% increase in the price between an experienced adult driver, and a young driver who just got a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Biloxi Gulfport Hattiesburg Jackson Southaven State Average 25 50 75 100 125 150 175 200 225 $208 $215 $196 $249 $201 $214


Credit Score Laws and Regulations

In Mississippi, like in many other states, there are no laws preventing your automobile insurance company from factoring in your credit score before giving you a rate quote. They do this because they believe that your credit score is an accurate reflection of how likely you are to pay your bill on time every month, regardless of whatever financial hardships you may have experienced.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Biloxi Gulfport Hattiesburg Jackson Southaven State Average 10 20 30 40 50 60 70 80 $42 $68 $45 $74 $39 $64 $47 $81 $39 $64 $43 $70


Insuring your Vehicle in Mississippi

Pop quiz: does your insurance policy follow you, the driver, or your vehicle? The answer is: it follows the vehicle. Hence the reason your insurer wants to know so many details about the vehicle you drive. Even if you aren’t behind the wheel when something happens to your car or truck, you and your insurance company are still financially responsible for that vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Biloxi Gulfport Hattiesburg Jackson Southaven State Average 20 40 60 80 100 120 140 160 180 $46 $156 $47 $164 $41 $157 $41 $184 $43 $148 $44 $162


Additional Mississippi Auto Insurance Laws and Requirements

The factors discussed above have some serious influence when it comes to determining your final insurance quote. But breaking any of the traffic and safety laws below could alter your rates as well:

Highway Safety Laws

Unfortunately, there are no aggressive driving laws in the state of Mississippi. But that doesn’t mean that causing an accident because you failed to yield the right of way or ran a red light is any less illegal; you will still face legal and financial consequences for causing an accident due to aggressive behavior behind the wheel.

Aggressive Driving No state law
Cell Phones and Texting Laws Primary All-Driver Ban for: Texting, Bus Drivers
Inc. Penalty for High BAC No State Law
Admin. License Susp. on 1st Offense 90 days

Speed Limits and Cell Phone Use

Just like many states, there is an all-driver ban on texting while driving in Mississippi due to the danger of accidents. There are also primary level bans on school bus drivers talking on a cell phone while on the job. It is not yet illegal for regular drivers or novice drivers to talk on a cell phone while driving, however. But such laws change frequently, so be sure to keep yourself informed.

Rural Interstate 70 mph
Urban Interstate 70 mph
Other Limited-Access 70 mph

Important Mississippi Contacts

State of Mississippi Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Mississippi Website

Mississippi Department of Insurance

How to contact directly:

Mississippi Insurance Dept.
1001 Woolfolk State Office Bldg.
501 North West Street
Jackson, MS 39201
Phone: 1-601-359-3569

Compare Mississippi Car Insurance Companies that Offer the Lowest Rates in Your Area

Yes No