Best Mississippi Car Insurance Companies 2020

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Mississippi offers some of the most scenic and uncrowded roads in the country. Although there are only two million licensed drivers, Mississippi is one of the states with the highest traffic fatalities. Many of these fatalities could have been prevented — a study found that half of the individuals who died were not wearing their seatbelts. 364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
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Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

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ZIP Code

Hongshan, HB
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Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Ensure your personal safety and that of others on the road by always wearing your seatbelt, making sure your car is in good operating condition and by having the appropriate amount of auto insurance to cover yourself and others in case of an accident. When shopping for car insurance, consider these points to find the best deal:
Shop around to compare prices. Different companies offer rates that change according to details like your vehicle, location and driving record.
Select a higher deductible to reduce your premium. Set aside enough money to meet the deductible.
Bundle your home and auto insurance with the same company for multi-policy discounts.
Check with your employer for group insurance discounts. Some larger companies offer employees a lower rate with a particular insurance company.
Best car insurance companies in MississippiTo pick the best Mississippi auto insurance companies, we compared their ratings from the J.D. Power Customer Satisfaction Survey, AM Best and the Better Business Bureau.
Alfa Insurance came in with 4/5 stars overall from J.D. Power, scoring above average across all categories including price, policy offerings, billing process, interactions and claims process.
Geico earned an average rating of 3 out of 5 five stars in every category of the survey. Geico has many discounts and coverage options so you can get multiple policies from the same provider.
Nationwide received an overall rating of 3 out of 5 although it scored below average in policy offerings and price. Nationwide has a variety of coverage options so you can customize your insurance plan.
State Farm earned 4/5 stars, although customers found the insurer doesn’t have the most competitive prices unless the customer can take advantage of some of the many discounts

Company
J.D. Power Rating
AM Best
BBB

Alfa Insurance
4/5
A++
A+

Geico
3/5
A++
A+

Nationwide
3/5
A+
A+

State Farm
4/5
A++
A+

Finding the right cheap car insurance in Mississippi for youNo two individuals or auto insurance companies are alike. When searching for the best cheap car insurance, compare insurers to find the best policy for your needs.
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Close Icon Close Icon The widget will live hereCheapest Mississippi auto insurance rates for good drivers: Alfa InsuranceGood drivers with a clean record usually find the best deals. Customers that participated in the J.D. Power Customer Satisfaction Survey gave Alfa Insurance a 4/5 stars for price, making the company one of the most affordable in the survey.Cheapest Mississippi auto insurance rates for students: State FarmState Farm leads the competition when it comes to special student pricing. Save 25% on vehicle insurance “just for getting good grades”. According to the website, the savings last even after you graduate from college —until the age of 25.Cheapest Mississippi car insurance for people with low credit: GeicoA low credit score can affect auto insurance rates because insurers find drivers with poor credit higher risk and more likely to file claims or not pay their premiums. Geico offers the cheapest auto insurance for low-credit drivers. A 2019 study by U.S. News found Geico’s premiums to be the lowest at $1,644 vs. $2,053 for the next cheapest provider, Nationwide.Cheapest Mississippi auto insurance for people with a previous accident: NationwideNationwide’s Accident Forgiveness Program forgives one previous accident so you can start with a clean slate and a lower premium. You have to buy it as an addition to your auto insurance, but it’s likely to offset your monthly premium increase after an accident. Average car insurance cost in MississippiMississippi auto insurance rates rank in the middle of all states according to the Insurance Information Institute. The average insurance expenditure is $858.64 and the average cost of liability insurance only is $471.70. The Zebra breaks down average Mississippi auto insurance prices further by analyzing what an average driver would pay for full coverage (comprehension and collision coverage of $50K/$100K/$50K) with a $500 deductible:

State minimum insurance requirement (liability only)
$603

Full coverage for a good driver with good credit history
$1,662

Full coverage for drivers with a credit score of under 580
$3,410.32

Full coverage for drivers with an excellent credit score over 799
$1,555.81

Full coverage for drivers with accidents, DUI or a poor driving record
$1,625.48 to $2609.46

Full coverage for an 18-year-old driver
$6,716.83

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
ZIP Code

Hongshan, HB
Location-Icon Created with Sketch.
Find Matches

Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance
Auto insurance discounts in MississippiNot researching what types of Mississippi auto insurance discounts are available is leaving money on the table. You could earn discounts for things you may not have realized are possible. Some of the most common discounts that can save you as much as 25% include:
Anti-theft equipment that deters thieves from targeting your vehicle
Automatic payment plans or annual prepayment
Hybrid or electric vehicle discounts for eco-friendly cars
Good driving history discounts that increase every year you don’t have an accident
Good student discount for high school and college students with good grades
Multi-policy discounts when you bundle other products like life insurance or your homeowners’ policy
Vehicle safety equipment discounts for newer cars that feature equipment like collision warning and automatic braking
Here’s a quick look at how you can save more with the top Mississippi auto insurance companies:

Mississippi Car Insurance Discounts

Alfa Insurance
Geico
Nationwide
State Farm

Anti-Theft Equipment
x
x
x
x

Automatic Payments

x
x

Hybrid and Alternative Fuel Cars

x

Good Driving History
x
x
x
x

Good Student
x
x
x
x

Multi-Policy
x
x
x
x

Vehicle Safety Equipment
x
x
x
x

State minimum insurance requirements in MississippiLike almost all other states, Mississippi requires mandatory minimum levels of auto insurance. If you live and drive in the state, you must have the following minimum liability insurance coverages:
Bodily injury liability coverage of $25,000 per person
Bodily injury liability coverage of $50,000 per accident where more than one person is involved
Property damage liability coverage of $25,000
Frequently asked questionsWhat is the cheapest car insurance in Mississippi?The cheapest car insurance rates depend on your level of coverage, deductible, driving history, credit and age. Refer to our tables above for a quick reference of how Mississippi insurance rates can vary and how you can save on your auto insurance.What information is needed in order to get car insurance in Mississippi?To get auto insurance, you’ll need:
Vehicle Information including car make, model and vehicle identification number. You can find the (VIN)on the dashboard of the driver’s side of the vehicle
Social security number
Driver’s license
Proof of residence such as utility bills or a lease
Payment in the form of a check, debit or credit card
What is the state-required amount of auto insurance I need in Mississippi?If you live and drive in Mississippi, you must carry liability insurance with the following minimum coverage amounts:
Bodily injury liability coverage of $25,000 per person
Bodily injury liability coverage of $50,000 per accident where more than one person is involved
Property damage liability coverage of $25,000
How can I get the best rate on my auto insurance?Car insurance companies offer many discounts to earn your business. To get the best rate on your auto insurance, review our auto insurance discount comparison table above and comparison shop at least three companies to find the best price. You could also choose a higher insurance deductible. In case of an accident, your out-of-pocket costs may be higher, but you may save enough on the monthly insurance premium to offset the higher deductible amount.

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