Auto Insurance in Mississippi: Best Car Insurance Companies

you are no doubt aware, that Mississippi is a sparsely populated state whose expansive outdoor spaces lend themselves to a healthy population of drivers. With more than one million registered vehicles, it’s understandable that you might assume there would be a wealth of insurance options available in the Magnolia State. However, this is not necessarily the case.

Auto Insurance in Mississippi

In fact, as of 2008, Mississippi was only the 30th most populous state in the nation. The vast majority of its residents live in either Jackson or along the Gulf Coast around Biloxi and Pascagoula, both of which are within easy reach of half a dozen other states’ regional offices for major insurance companies.

Cheapest Car Insurance in Mississippi

As such, it should be no surprise that while many major insurers service Mississippi, the companies with the cheapest rates may not be what you would expect. While Geico and Progressive offer auto insurance in Mississippi at some of the lowest rates in the country, their average yearly premiums for full coverage hover around $1,700 and $2,000, respectively.

Other top-rated carriers like Allstate, State Farm and Esurance are considerably more expensive at around $1,800 per year. Surprisingly, the most affordable insurer in Mississippi with a high customer satisfaction rating is USAA, which specializes in policies for military members and their families.

Best Car Insurance Companies

If you live in the state of Mississippi and want to keep your car insurance costs low, there’s no better way than comparing Mississippi quotes. With just a few minutes on our platform, you can get up to six personalized quotes from the top-rated carriers in your area. Insurance is not one-size-fits-all, which is why we make sure to supply you with information on what factors affect your quote. With only a handful of variables, finding the lowest rate Mississippi has to offer is easy!

Compare Mississippi Quotes Online

When it comes to saving money on car insurance, the time you spend shopping for coverage is always worth it. The amount of money you could save by working with a top-rated insurer in Mississippi who has access to dozens of carriers and can shop your rate against theirs is well worth a few minutes spent completing our form! For instance, an average 36-year-old female living in the capital city of Jackson could save as much as $500 by switching from Esurance to Mercury Insurance Group. In order to receive this rate, however, she would have to meet certain guidelines.

Average Cost of Car Insurance

According to our research, the average cost of car insurance in Mississippi is $1,063.79 per year. Of course, this number is dependent upon several factors such as age, gender and location, but it gives you a good idea of what you can expect for your money. Please bear in mind that quotes are contingent upon your zip code, driving record and other factors. For instance, if you have had multiple speeding tickets in the last few years or have been cited for DUI/DWI within the last decade, your rate will be higher than average.

Drivers With a DUI in Mississippi

When it comes to vehicular accidents, the state of Mississippi is relatively safe. In fact, it’s less dangerous than 70 per cent of other states in the country. With that said, there is no such thing as a 100 per cent safe driver and if you live here and have been convicted of DUI/DWI within the last 10 years, then your rate will reflect that. Those with point totals between zero and five will pay an average of $1,810.38 per year for car insurance while those in the 6 to 16 range will have to fork over $3,919.59 annually.

Drivers With Tickets in Mississippi

If you live in a city or town that has a high crime rate, then you should expect to pay more for auto insurance. If you have recently received a speeding ticket or other citation, however, your rate will remain unchanged until the next renewal period.

Drivers With Bad Credit in Mississippi

Even if you’ve never filed an insurance claim or committed a moving violation, having poor credit could impact your car insurance rate. For instance, drivers with poor credit who live in Jackson will pay twice as much for car insurance as those with good credit.

Military Drivers in Mississippi

As a state home to several military bases and installations, it should come as no surprise that Mississippi has friendly laws and regulations for members of the U.S. Armed Forces. For instance, those who are stationed in the state or have moved here for a permanent change of station can drive without purchasing Mississippi car insurance if they have insurance through their parents’ plan.

Additionally, once you leave the armed forces you can be covered under your current car insurance policy until 100 percent of your term expires. Like other policies, however, this one will be contingent upon your driving record. Just because you’re not in the military anymore doesn’t mean that accidents won’t count against you!

Seniors in Mississippi

Insurance rates can also change with age. In fact, senior citizens in Jackson who are 65 and older pay considerably less for car insurance than their younger counterparts. Of course, those who are under 21 and especially males between 16 and 20 will be paying the most for coverage.

Student Drivers in Mississippi

This is unsurprising as younger drivers get into more accidents than any other age group. In fact, those between the ages of 19 and 24 pay an average of $4,460.95 for car insurance while high school graduates under the age of 25 will pay approximately $2,297.02 each year.

Car Insurance in Mississippi

Only Mexico has lost more lives to preventable automotive accidents than the U.S., so understanding your state’s laws and regulations is so important when protecting yourself while driving. While the average cost of car insurance in Mississippi is around $1,648.52 per year, there are several cost factors that you’ll want to keep in mind as you compare quotes from various companies and agents. For instance, those who have been convicted of DUIs or DWIs will be paying much more for coverage than those who have stayed free of these violations.

Likewise, being involved in a collision or filing multiple claims will have an effect on your rates while discounts can help to ease the pain. For instance, if you are a member of certain professional organizations or associations, you may be eligible for discounts that aren’t available to the general public. Additionally, taking advantage of certain safety features can also factor in when it comes to lowering your cost of coverage.

Conclusion

There are many things to consider when looking for the cheapest car insurance in Mississippi. You want to make sure that you’re getting coverage that matches your needs, and not just blindly comparing rates online. When researching car insurance companies, it is important to know what type of service they offer. Do they have a good reputation? Is their pricing competitive or higher than other providers? What about customer reviews? Are any discounts available if I maintain a clean driving record or was my vehicle recently repaired after an accident? These are all questions worth answering before making a decision on which company will be best suited for your lifestyle!

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