Cheapest Car Insurance Rates in 2023
Get a Quick Quote
Cheap SR 22 Auto Insurance in Mississippi: Best Companies & Quotes
Car Insurance Expert
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in Mississippi
- Mississippi Farm Bureau
- State Farm
|Mississippi Farm Bureau||State Farm||Nationwide||USAA||Progressive||Shelter|
|AM Best Financial Strength Rating||A||A++||A+||A++||A+||A++|
|JD Power 2019 Overall Customer Satisfaction score||N/A||3/5||2/5||5/5||3/5||N/A|
|Avg Annual Premium||$511||$540||$693||$267||$1,094||$1,199|
|Consumer Reports Reader Score||90||78||N/A||90||75||75|
|BBB Rating||Not Rated||A+||A+||Not Rated||A+||A+|
Auto Insurance Statistics in Mississippi
Mississippi is one of the states with auto insurance rates that have remained under the national average. Drivers looking for affordable car insurance rates can benefit from learning how Mississippi ranks in the cost of car insurance when compared with other states nationwide.
Top 10 Cheapest Car Insurance Companies in Mississippi
|Rank||Company Name||Avg. Annual Premium|
|7||Mississippi Farm Bureau||$1,396|
Drunk Driving Fatalities
Drinking and driving is a dangerous practice that often proves fatal. When obtaining car insurance in Mississippi, it is helpful to understand the rate of drunk driving fatalities in the state of Mississippi. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Mississippi vs. nationwide.
Drunk driving fatalities in Mississippi from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Mississippi has been higher than the national average for quite some time. This data shows that more teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of Mississippi drivers that are teenagers who are drinking and driving to national averages.
Teen Drinking & Driving in Mississippi vs. Nationwide (2017)
SR-22 Insurance in Mississippi
As with most states in the country, Mississippi is a state that requires many drivers to file SR-22 insurance policies with the local DMV. If you have had your license revoked or suspended because of driving infractions, there's a good chance you will need this type of insurance before you can drive again. It provides a certificate that shows you have direct access to the minimum insurance coverage required by the states.
In Mississippi, SR-22 insurance requirements are quite high when you compare coverage levels to other states. You will need $50,000 of liability coverage per accident, $25,000 of liability coverage per person, and $25,000 of coverage for property damage.
Car Theft in Mississippi
Learning about the level of car theft in Mississippi will give car insurance buyers an idea as to how many car thefts occur. Comprehensive car insurance coverage can help a driver who has become a victim of automobile theft.
Vehicle thefts by rank nationwide vs. Mississippi
Uninsured Motorists in Mississippi
There are drivers that operate motor vehicles in Mississippi who don’t carry auto insurance coverage. In the event that an accident occurs with an uninsured driver, it is beneficial to have uninsured and underinsured motorist coverage. The below data shows how well Mississippi ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Mississippi insurance rates are average compared to other states, coming in around $1,600 per month. Some pay more, some pay less, and some pay right around that each year. If you are looking for a policy that’s more affordable, you’re not alone in your quest. Here’s how to find the best rate, how to ask for a discount, and how to understand how insurance companies look at your life to determine your rates.
What You Can Change
If you want the best possible rates for your insurance, you need to make some life changes. The best rates are given to people who meet the following requirements:
- Drive new cars
- Drive larger cars
- Drive cars with smaller engines
- Married couples
- People with good credit
- People with a good driving history
While you might not be able to change any or all of these, you can handle a few. Your driving history will haunt you forever, but you can start improving it right now by following the laws and rules of the road. Your credit can be fixed over time by making on-time payments, paying down your debts, and by ensuring you’re doing what you need to do to keep your finances in order. You shouldn’t get married to get better insurance rates but if you’re planning on getting married soon, you can call and let your insurance company know for a better rate.
It’s also helpful to drive a newer car. Big cars are safer, but big engines are very expensive to insure. You’ll also get a better rate if you’re a young woman or an older man. They’re statistically less likely to cause or become involved in accidents while on the road. You might also check to see if your particular vehicle is located on the list of most stolen vehicles for the year. if it is, you’re paying a much higher rate for insurance premiums.
If you live where your job is located, you will pay less. If you live far away and commute a long distance to and from work, your rates will go up. It’s not safe to be on the road more than you must, and insurance companies use that to determine your rates. It also helps to live in a safe and affluent community where the crime rates are low. Living in an area where the economy struggles means more people are living without their own insurance, which means you pay more. Your car is at a greater risk of being damaged, vandalized, stolen, and broken into.
Checking for Better Rates
Mississippi residents can typically count on Unitrin, Alfa, State Farm, Mississippi Farm Bureau, and Mississippi Average to provide the best rates for insurance. While not everyone finds the best rates here, it’s a good bet you’ll find better rates here than anywhere else.
It’s also helpful to inform your insurance company if you have any safety features on your car that are discount-worthy, if you have a professional membership that offers a discount. Compare rates with at least three companies to find the best rates. You might not pay as little as others, but you do have a chance of finding a lower rate. It’s also helpful to call and ask for a discount from your current insurance company simply because you’re a good customer.
Types of Auto Insurance Coverage in Mississippi:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Mississippi
There are minimum requirements for car insurance in the state of Mississippi. According to The Mississippi Insurance Department, it is mandatory to have liability coverage for every registered driver who is operating a vehicle in the state.
Liability Coverage minimums for the state of Mississippi:
- $25,000 per single bodily injury or death
- $50,000 per multiple bodily injury or deaths
- $25,000 for property damage
If a driver neglects to maintain the right insurance as well as provide proof of insurance, they risk license suspension as well as a $1,000 fine.
Source: Mississippi Insurance Department
Cheap Auto Insurance Discounts
Car insurance discounts are offered by many of the cheapest car insurance companies in Mississippi and nationwide. Auto insurance discounts make it possible to save even more on your car insurance premiums each year and each month. However, typically, these discounts aren’t advertised so consumers don’t get a chance to take advantage of them. At CheapAutoInsurance.co, our goal is to make sure that you can get the lowest possible rate on your auto insurance coverage. Browse the list of car insurance discounts below for even more savings.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Mississippi Car Insurance
This section covers your basic questions about car insurance in Mississippi. Use this information to make informed decisions about your auto coverage.
How does car insurance work in Mississippi?
Which car insurance companies do business in the state of Mississippi?
Who is required to have auto insurance in MS?
What does auto insurance cover in MS?
How do points affect Mississippi car insurance?
How to get car insurance in Mississippi?
What happens when I change auto insurance companies in Mississippi?
What information do I need to buy auto insurance in MS?
Mississippi Car Insurance Laws
We’ll answer your questions about Mississippi car insurance laws in this section.
When did Mississippi require car insurance?
What insurance is required on a paid off car in Mississippi?
How much car insurance do I need in Mississippi?
What is minimum auto insurance coverage in Mississippi?
How do I handle car insurance in Mississippi when car is in storage?
What type of car insurance is required in Mississippi?
What is full coverage auto insurance in Mississippi?
Do you have 30 days from when you purchase a car to get tag and insurance Mississippi?
What is the car insurance grace period in the state of Mississippi?
What is the state liability limit for car insurance in Mississippi?
How long in Mississippi do you legally have to get insurance on a new car?
What is the lowest requirement for car insurance in Mississippi?
Are you required to have auto insurance in Mississippi when you obtain your driver's license?
How to be exempt from MS car insurance law?
What happens if you don't have car insurance in Mississippi?
What tickets go to your car insurance in MS?
How old do you have to be to get insurance on a car in Mississippi?
When you lease a car in Mississippi do you need insurance?
What happens if I get caught without car insurance in MS?
In Mississippi will I need SR22 car insurance with DUI?
Mississippi Car Insurance Prices
This section has the answers you’ve been looking for related to Mississippi car insurance prices.
Who has the cheapest car insurance in Mississippi?
Why does Mississippi car insurance keep going up?
What is the average price of car insurance in Mississippi?
What kind of car has the cheapest insurance in Mississippi?
How are auto insurance premiums calculated in MS?
What is mileage discount on Mississippi auto insurance?
At what age in Mississippi does high risk car insurance drop?
Why is Mississippi car insurance so expensive?
Is Mississippi car insurance cheaper than Florida?
How to lower motorcycle insurance in Mississippi?
Mississippi Car Insurance Claims and Coverage
We’ll answer questions about Mississippi car insurance claims and coverage.
What happens in Mississippi if you have no auto insurance and get in accident?
How long before insurance pays on stolen car in Mississippi?
What to expect when filing an auto insurance claim in Mississippi?
When in a car accident can you collect medical payments from both insurance companies MS?
How long should an insurance company provide a rental car after totaled Mississippi?
In MS, what is property damage on car insurance?
How long do you have to report a car accident to your insurance company in MS?
Other Mississippi Car Insurance Questions
This section has the answers to questions that don’t fit into our other categories.