USAA provides the cheapest full coverage car insurance in Mississippi at about $963 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in Mississippi is $134 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Mississippi is no exception. Mississippi drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

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However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Mississippi?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Mississippi, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Mississippi

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Mississippi is 5% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

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Cheapest full coverage car insurance rate in Mississippi by company

USAA offers the cheapest full coverage car insurance in Mississippi an average of $963 per year. It’s 40% less expensive than the average full coverage car insurance cost in Mississippi. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

 

Company Full coverage insurance cost
USAA $963
Nationwide $1,314
State Farm $1,389
Travelers $1,443
Progressive $1,496
Geico $1,555
Allstate $1,978
Shelter Insurance $2,032
Farmers Insurance $2,572

 

Full coverage car insurance cost in Mississippi by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Mississippi

Drivers living in the ZIP code 39086 pay the highest premiums at about $1,861 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Mississippi.

 

ZIP code Full coverage insurance cost
39086 $1,861
39096 $1,842
39150 $1,840
39144 $1,833
39190 $1,815
39069 $1,811
39668 $1,794
39120 $1,794
39669 $1,786
39165 $1,783

 

Least expensive ZIP codes for car insurance in Mississippi

39759 ZIP code in Mississippi has the cheapest full coverage auto insurance cost at an average price of $1,387 annually. Know the least expensive ZIP codes for car insurance in Mississippi below.

 

ZIP code Full coverage insurance cost
39759 $1,387
39743 $1,414
39769 $1,414
39701 $1,424
39736 $1,425
38801 $1,438
39705 $1,439
38828 $1,445
38652 $1,446
38826 $1,446

 

Mississippi full coverage car insurance rate by age

Young drivers in Mississippi tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 348% more than a 40-year-old mature driver in Mississippi, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

 

Age group Full coverage annual premiums
Teen drivers (age 16-19) $5,940
Young drivers (age 20-24) $2,805
Adult drivers (age 25-64) $1,644
Senior drivers (age 65+) $1,551

 

Read our Guide to car insurance for teens for more information

Car insurance rates in Mississippi by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Mississippi

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 27% or $416 in Mississippi, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

 

Company Average annual premium New rate after incident % Increase $ Increase
USAA $946 $1,215 28% $269
Nationwide $1,140 $1,334 17% $194
State Farm $1,361 $1,465 8% $104
Progressive $1,494 $1,902 27% $408
Geico $1,491 $1,925 29% $434
Travelers $1,465 $2,067 41% $603
Allstate $1,955 $2,163 11% $208
Farmers $2,429 $3,540 46% $1,111

 

Cheapest full coverage car insurance after an accident in Mississippi

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

USAA offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1426 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

 

Company Average annual premium New rate after incident % Increase $ Increase
USAA $946 $1,426 51% $480
State Farm $1,361 $1,622 19% $261
Nationwide $1,140 $1,647 45% $508
Travelers $1,465 $2,014 38% $550
Geico $1,491 $2,427 63% $936
Progressive $1,494 $2,562 72% $1,069
Allstate $1,955 $2,881 47% $926
Farmers $2,429 $5,930 144% $3,502

 

Cheapest full coverage car insurance after a DUI conviction in Mississippi

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

 

Company Average annual premium New rate after incident % Increase $ Increase
State Farm $1,361 $1,465 8% $104
USAA $946 $1,800 90% $854
Progressive $1,494 $1,957 31% $464
Nationwide $1,140 $2,052 80% $912
Travelers $1,465 $2,205 51% $740
Allstate $1,955 $2,665 36% $710
Geico $1,491 $4,505 202% $3,014
Farmers $2,429 $5,581 130% $3,152

 

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

  • Insurance Information Institute. “What is auto insurance.” Accessed August 2022.

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Mississippi.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.