Comparing auto insurance in Mississippi is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Mississippi pricing is shaped by Gulf Coast hurricane exposure, severe storms, tornadoes, flooding, winter storms, rural highway risk, deer collisions, uninsured-driver exposure, and traffic around Jackson, Gulfport, Biloxi, Hattiesburg, Southaven, Tupelo, and major freight corridors. NOAA lists 108 billion-dollar weather and climate disaster events affecting Mississippi from 1980 through 2024, including 50 severe storm events, 22 tropical cyclone events, 17 drought events, 10 winter storm events, 5 flooding events, 3 freeze events, and 1 wildfire event. MDOT also reported 3,941 deer-related crashes in Mississippi in 2024.
Mississippi premiums can vary between Jackson, Gulfport, Biloxi, Hattiesburg, Southaven, Tupelo, Meridian, Oxford, Starkville, Delta counties, Gulf Coast communities, rural areas, and college towns because traffic density, commute mileage, garaging ZIP code, storm and flood exposure, deer collisions, uninsured-driver conditions, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
25/50/25
$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident
At Fault
Offer/Rejection Rule
Mississippi does not require PIP for standard private passenger auto policies. Mississippi Insurance Department describes medical payments coverage as optional coverage that pays expenses for people injured in an accident regardless of fault.
Offer/Rejection Rule
Mississippi does not require every driver to keep uninsured/underinsured motorist coverage if it is properly rejected. Mississippi law requires automobile liability policies to contain UM coverage unless the named insured rejects the coverage in writing. The insured may also reject UM property damage coverage while retaining UM bodily injury coverage, but may not keep UM property damage coverage without UM bodily injury coverage.
Source: Mississippi Insurance Department
Recent rate data estimates Mississippi annual auto insurance premiums at about $2,485 for full coverage and $588 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,485/yr |
| Clean record, 35, minimum required coverage | ~$588/yr |
NerdWallet June 2026 Mississippi average annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, UM/UIM selection or rejection, discounts, claims history, prior insurance, and carrier.
Mississippi minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Mississippi uses SR-22 proof of insurance in some financial-responsibility, uninsured-accident, DUI, and reinstatement situations. Mississippi DPS driver guidance says an at-fault driver who caused injury or property damage and did not have liability insurance may be required to file proof of insurance using Form SR-22, and that the proof must remain in effect for three years from the date of the accident. DPS DUI guidance also says proof of insurance is required for three years after a DUI conviction.
Mississippi DPS and Insurance Department guidance reviewed for this page refers to SR-22 proof of insurance, not FR-44. Do not publish FR-44 as a standard Mississippi requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Mississippi auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Mississippi drivers, including:
Mississippi drivers should ask about multi-car, bundling, good-student, farmer or group-affiliation, over-55 driver course, defensive-driving, driver-education, anti-lock brake, anti-theft, airbag, automatic seatbelt, low-mileage, telematics, paperless billing, automatic payment, and pay-in-full discounts. Mississippi Insurance Department specifically notes bundling, multi-car, farmer, good-student, over-55 course, safety-equipment, defensive-driving, and young-driver education discounts.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Group | 25.60% |
| 2 | Progressive Group | 17.53% |
| 3 | Southern Farm Bureau Casualty Group | 12.14% |
| 4 | Allstate Insurance Group | 9.71% |
| 5 | United Services Automobile Association Group | 5.96% |
| 6 | Berkshire Hathaway Group | 5.20% |
| 7 | Liberty Mutual Group | 4.69% |
| 8 | Alfa Insurance Group | 4.33% |
| 9 | Shelter Insurance Group | 3.59% |
| 10 | Nationwide Corporation Group | 2.47% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Mississippi total private passenger auto group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Mississippi cities:
The estimated average cost of car insurance in Mississippi is $2,485 per year for full coverage and $588 per year for minimum required coverage, based on NerdWallet’s June 2026 Mississippi rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, UM/UIM selection or rejection, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Mississippi requires drivers to carry at least 25/50/25 liability coverage: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.
PIP is not required in Mississippi. Medical payments coverage is optional. Mississippi auto liability policies include uninsured/underinsured motorist coverage unless the named insured rejects it in writing, so drivers should review any UM/UIM rejection form carefully before signing.
Mississippi may require SR-22 proof of insurance in some financial-responsibility, uninsured-accident, DUI, and reinstatement situations. An SR-22 is not a separate insurance policy; it is a filing or certificate showing that required liability coverage is in place.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Mississippi drivers can compare quotes, maintain continuous coverage, ask about multi-car, bundling, good-student, over-55 course, defensive-driving, driver-education, anti-theft, safety-feature, low-mileage, telematics, paperless billing, and payment-related discounts, and review deductibles before renewal.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
