On the lookout for Mississippi automobile insurance coverage? Insurance coverage prices in Mississippi are near the nationwide common, however that doesn’t imply you may’t discover low cost automobile insurance coverage charges within the Hospitality State.
On this overview, we’ll give our suggestions for low-priced Mississippi automobile insurance coverage. We’ll additionally clarify state insurance coverage necessities so that you may be certain you’re correctly coated
Our overview workforce has taken a have a look at the greatest automobile insurance coverage corporations within the U.S., contemplating every little thing from value and protection to buyer critiques. We apply that information particularly to the state of Mississippi on this article to suggest the highest insurers within the state. In fact, one of the best ways to search out the lowest-cost insurance coverage on your automobile is to check individualized quotes.
The free software under can assist you get began on discovering free, customized quotes from high-rated suppliers.
On this article:
Least expensive Automotive Insurance coverage Corporations In Mississippi
In line with our price estimates, USAA is the most cost effective automobile insurance coverage in Mississippi for 35-year-old drivers with good driving information and full protection insurance coverage. State Farm and Nationwide are additionally some low cost choices.
| Automotive Insurance coverage Supplier | Common Annual Value Estimate |
|---|---|
| USAA | $825 |
| State Farm | $1199 |
| Nationwide | $1218 |
| Mississippi Farm Bureau | $1319 |
| Progressive | $1335 |
The chart under exhibits the typical annual expenditure for insurance coverage premiums in Mississippi in 2018. This knowledge comes from a research performed by the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).
| Kind Of Protection | Common Annual Expenditure |
|---|---|
| Legal responsibility protection | $538 |
| Collision protection | $372 |
| Complete protection | $239 |
| Complete Value | $1,149 |
*Most drivers carry legal responsibility protection however not essentially different kinds of auto insurance coverage. Complete common annual expenditure measures what customers truly spent.
These prices are considerably near nationwide averages. In line with the identical research, the typical legal responsibility premium throughout all states in 2017 was $644, and the typical whole insurance coverage premium for all states was $1,056. Needless to say the price of Mississippi automobile insurance coverage is totally different for each driver and depends upon elements akin to:
- Age
- Gender
- Marital standing
- Driving document
- Metropolis
- Automobile sort
In line with our full-coverage price estimates, a 24-year-old in Arizona pays 45 % extra for automobile insurance coverage than a 34-year-old.
| Age | Mississippi Annual Automotive Insurance coverage |
|---|---|
| 24 | $2004 |
| 35 | $1379 |
Your gender solely barely impacts automobile insurance coverage costs in Mississippi. In line with our estimates, males pay lower than one % extra for automobile insurance coverage on common.
| Gender | Mississippi Annual Automotive Insurance coverage |
|---|---|
| Feminine | $1376 |
| Male | $1381 |
Mississippi permits automobile insurance coverage corporations to make use of your credit score report when calculating threat. A good rating can elevate your price by 22 %, and a poor rating can elevate your price by as a lot as 92 %.
| Credit score Score | Mississippi Annual Automotive Insurance coverage |
|---|---|
| Good | $1379 |
| Truthful | $1689 |
| Poor | $2652 |
A dashing ticket can elevate your automobile insurance coverage in Mississippi by 22 %, whereas an accident can elevate it by 53 %. That is why it pays to drive secure and sluggish.
| Driving File | Mississippi Annual Automotive Insurance coverage |
|---|---|
| Clear | $1379 |
| Rushing Ticket | $1682 |
| At-Fault Accident | $2118 |
| DUI | $2434 |
High 5 Mississippi Automotive Insurance coverage Corporations
Most suppliers really useful under scored properly on the J.D. Energy 2020 U.S. Auto Insurance coverage Satisfaction ExamineSM for the Southeast area, which incorporates Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee. These suppliers additionally scored properly in our workforce’s impartial overview, which considers value, protection, and customer support popularity in Mississippi.
*Not all corporations had been included in our price estimates for every state. You may additionally discover that some automobile insurance coverage corporations are listed above these with increased star scores. It’s because our star scores keep in mind nationwide elements, whereas our rating appears to be like particularly at what insurance coverage suppliers are greatest for automobile insurance coverage in Mississippi.
USAA insurance coverage scored 909 out of 1,000 factors within the J.D. Energy Satisfaction Examine, incomes the very best rating within the Southeast area. Nevertheless, as a result of it isn’t out there to all drivers, USAA was not eligible for formal rating. As a way to be eligible for Mississippi automobile insurance coverage from USAA, you have to be a army member or rapid household of a army member.
In case you are eligible, a powerful customer support popularity isn’t the one constructive characteristic of USAA. USAA insurance policies are sometimes the lowest-cost insurance coverage choices. The numerous USAA reductions embrace:
- Navy set up: Obtain as much as 15 % off of protection if you happen to storage your automobile on a army base.
- Annual mileage: Drivers over 19 years of age can obtain a reduction for driving fewer miles per 12 months.
- Premier driver: Obtain a reduction on Mississippi auto protection for sustaining a very good driving document.
- Defensive driving course: Obtain a premium discount for taking a defensive driving class.
- Driver coaching course: Drivers underneath the age of 21 can take a driver coaching course to earn a decrease premium.
- Good scholar low cost: Full-time college students with a GPA of at the least 3.0 can obtain a reduction.
- New automobile low cost: Automobiles lower than three years previous obtain protection reductions.
- Automated fee low cost: Earn as much as three % off by scheduling automated funds.
- Household low cost: Obtain reductions for insuring a number of members of the family by USAA.
The one disadvantage to a USAA coverage is that not everybody should buy one.
| USAA Execs | USAA Cons |
|---|---|
| Reasonably priced charges and quite a few reductions | Solely out there for army and their households |
| Good choice for army members and younger drivers | |
| Superior monetary energy ranking and A- ranking from the BBB |
Be taught extra concerning the firm by studying our full USAA insurance coverage overview.
Alfa Insurance coverage began as part of the Alabama Farmers Federation however has expanded into a number of states, together with Mississippi. Whereas it initially specialised in hearth insurance coverage, it now gives dwelling and auto insurance policies.
Alfa did properly in regional surveys, rating third for the Southeast area within the 2020 J.D. Energy Satisfaction Examine. It scored 858 out of 1,000 factors, higher than the regional common of 849. Whereas not accredited by the Higher Enterprise Bureau (BBB), Alfa has an A+ BBB ranking and receives few buyer complaints.
Drivers can discover low charges for Mississippi automobile insurance coverage by benefiting from reductions akin to:
- Multi-car low cost
- Home-owner low cost
- Low cost for bundling with an Alfa life insurance coverage coverage
- Defensive driving low cost
- Younger driver low cost
- Driver coaching reductions
- Occupational reductions for educators, army, first responders, authorities staff, ministers, and farmers
Alfa insurance policies are bought by native brokers, which implies it takes a number of extra steps to request a quote or file a declare. Nevertheless, these similar native brokers may be helpful for Mississippi drivers who want somewhat extra assist selecting automobile insurance coverage protection or like a extra private customer support expertise.
| Alfa Insurance coverage Execs | Alfa Insurance coverage Cons |
|---|---|
| Excessive buyer satisfaction | Solely gives customary protection choices |
| A++ monetary energy ranking from AM Greatest | Should be bought by an agent |
| Distinctive low cost alternatives |
The Mississippi Farm Bureau Federation is the most important common farm group within the state, however its perks go far past John Deere reductions. The corporate presently gives low-priced automobile insurance coverage in all of Mississippi’s 82 counties. To qualify for a Mississippi Farm Bureau coverage, drivers should be part of the federation and pay an annual charge. Membership is open to anybody – farmers or in any other case.
Protection choices are considerably restricted however do embrace an important kinds of automobile insurance coverage that align with Mississippi state insurance coverage necessities. Insurance policies provided by the Mississippi Farm Bureau embrace:
- Legal responsibility protection
- Collision protection
- Complete protection
- Medical funds (MedPay) protection
- Uninsured/underinsured motorist protection
Drivers in Mississippi can be smart to contemplate a coverage with the Mississippi Farm Bureau due to its low auto insurance coverage charges. Whereas the ultimate value of any coverage will range from individual to individual, there’s a good probability you’ll discover decrease charges than the state common with this supplier.
| Mississippi Farm Bureau Execs | Mississippi Farm Bureau Cons |
|---|---|
| Low charges for Mississippi drivers | Quotes and claims have to be dealt with by an agent |
| Wonderful monetary energy ranking from AM Greatest | Restricted protection choices |
To be taught extra concerning the firm, learn our full Mississippi Farm Bureau overview.
Geico has a powerful customer support popularity throughout the nation and is well-regarded in Mississippi. It did very properly within the J.D. Energy Satisfaction Examine for the area, incomes 857 out of 1,000 factors and touchdown in fourth place general.
Geico has a powerful service popularity by different measures as properly. It’s accredited by the BBB and holds an A+ ranking. Quite a few buyer critiques reward Geico for its glorious service, just like the one under:
“I’ve used Geico for the final seven years, and so they have achieved an excellent job. No points with claims. No reactive price hikes after claims. Nice communication. I might suggest this firm.”
– Mark C. by way of BBB
Geico gives full protection auto insurance coverage insurance policies with excessive payout limits, that are a wonderful strategy to defend your automobile. Along with customary Mississippi automobile insurance coverage protection, Geico prospects also can buy:
- Roadside help protection: For as little as $14 per 12 months, Geico’s roadside help add-on will cowl jump-starts, spare tire set up, towing, and lockout providers as much as $100.
- Rental reimbursement: This service covers the price of a rental automobile whereas your automobile is within the store. Protection limits and coverage prices range.
- Mechanical breakdown insurance coverage (MBI): This service covers components of your automobile that break down as a result of mechanical put on, much like an prolonged auto guarantee.
It’s actually value reaching out to Geico for a quote if you’re a Mississippi driver.
| Geico Execs | Geico Cons |
|---|---|
| Superior monetary energy ranking and A+ ranking from the BBB | Common quotes expertise |
| Many selections for protection out there in all 50 states | Utilization-based app not out there in all states |
| Excessive stage of buyer satisfaction |
To be taught extra concerning the firm, you should definitely learn our full Geico overview.
Progressive is taken into account one of many prime auto insurance coverage suppliers within the nation due to its complete protection choices and low charges (particularly for high-risk drivers). For those who’re searching for Mississippi automobile insurance coverage, Progressive is certainly value contemplating.
Along with customary auto insurance coverage insurance policies, Progressive gives:
- Roadside help
- Mortgage/lease payoff
- Rental automobile reimbursement
- Customized components and tools worth protection
- Rideshare protection
Progressive insurance policies may be cheap for drivers who’re capable of reap the benefits of the corporate’s low cost alternatives, akin to:
- Deductible financial savings financial institution: Rewards you with $50 towards your deductible for each 6 months you go with out submitting a declare.
- Coverage bundling: This add-on gives reductions for bundling your auto coverage with one other Progressive insurance coverage coverage, akin to dwelling insurance coverage or Progressive motorbike insurance coverage.
- Snapshot app: This app screens your driving habits to set your premium. Bear in mind that if you’re a poor driver, your charges might truly improve by taking part in this system.
You can even save by utilizing Progressive’s Identify Your Value® software. This software permits prospects to state the value they hope to pay for a automobile insurance coverage coverage and be matched with choices that meet their price range.
| Progressive Execs | Progressive Cons |
|---|---|
| One of many prime auto insurers in the USA | Common claims course of |
| Superior monetary energy ranking and A- ranking from the BBB | Combined customer support critiques |
| Nice alternative for high-risk drivers | Greater charges than some rivals |
| A number of money-saving options and straightforward quotes course of |
To be taught extra, learn our full Progressive insurance coverage overview.
You will get free quotes from Mississippi automobile insurance coverage suppliers by getting into your zip code under.
Mississippi Automotive Insurance coverage Necessities
Drivers in Mississippi are required to take care of at minimal a 25/50/25 legal responsibility insurance coverage coverage. Which means that drivers must be insured for the next protection limits:
- $25,000 per individual bodily damage legal responsibility
- $50,000 per accident bodily damage legal responsibility
- $25,000 per accident property harm legal responsibility
For those who’re caught driving with out this minimal protection in place or can’t present proof of insurance coverage when pulled over, you may face an preliminary effective of as much as $1,000 and a suspension of driving privileges for as much as one 12 months. There isn’t a jail penalty for driving with out automobile insurance coverage in Mississippi.
Although state legal guidelines solely require drivers to take care of legal responsibility protection, it’s typically really useful that you just buy full protection auto insurance coverage.
Legal responsibility protection will solely pay for the harm to a different individual’s automobile within the occasion that you just trigger an accident. Collision and complete automobile insurance coverage can assist pay for the price of repairs to your individual automobile after an accident. Private damage safety, or PIP, insurance policies are additionally a good suggestion for drivers. These pays on your medical payments after an accident if you’re at fault.
What To Know About Driving In Mississippi
Mississippi is without doubt one of the deadliest states wherein to drive a automobile. In 2018, the state led the nation in visitors fatalities per capita, with 22.2 deaths per 100,000 individuals. That is practically double the nationwide common of 11.2. One motive that so many fatalities happen in Mississippi is that seat belt compliance charges within the state are properly under the nationwide common. Carrying a seat belt drastically will increase the probabilities of survival after an auto crash.
Closing Ideas
Mississippi might not have particularly steep penalties for driving with out insurance coverage in comparison with different states, however it’s nonetheless a good suggestion to buy on the very least the state minimal necessities. Primarily based on common premium prices and customer support critiques for the state, USAA, Geico, Alfa Insurance coverage, and Mississippi Farm Bureau are good locations to begin searching for protection.
In fact, the one method you’ll find the most cost effective Mississippi automobile insurance coverage is to check charges from a number of suppliers. The software under can be utilized to simply examine prices between a number of the greatest suppliers within the nation.
Methodology
In an effort to supply correct and unbiased info to customers, our knowledgeable overview workforce collects knowledge from dozens of auto insurance coverage suppliers to formulate rankings of one of the best insurers. Corporations obtain a rating in every of the next classes, in addition to an general weighted rating out of 5.0 stars.
- Trade Standing: Insurers with sturdy monetary scores and customer-first enterprise practices obtain the very best scores on this class.
- Availability: We contemplate availability by state in addition to exclusions for particular teams of drivers.
- Protection: This ranking is predicated on kinds of insurance coverage out there, most protection limits, and add-on insurance policies.
- Value and Reductions: Our analysis workforce critiques auto insurance coverage price estimates generated by Quadrant Info Companies for quite a lot of drivers in each state. Corporations with decrease costs and plenty of automobile insurance coverage low cost alternatives obtain one of the best scores.
- Buyer Service: We comb by buyer critiques and shopper suggestions research from consultants like J.D. Energy.
- Know-how: Auto insurers with cell apps, superior on-line providers and telematics usually tend to meet shopper wants.
