If you’re in the market seeking the cheapest car insurance in Mississippi and need guidance related to Mississippi auto insurance, then you’re in the right place. As there are many insurance providers out there offering MS can insurance, so we totally comprehend it can be challenging to determine which one to choose. To help you make a wise decision, we came up with this comprehensive guide related to cheap car insurance in Mississippi. So, without further ado, let’s begin!
Who Has The Cheapest Car Insurance In Mississippi?
Shopping around is vital if you want cheap Mississippi auto insurance. For seemingly no cause, insurance premiums will swing drastically from one insurer to the next, and it may vary depending on factors such as your age, credit, and history of accidents.
To help Mississippi drivers find competitive offers, we have analyzed rates from insurers in the state and found the cheap auto insurance Mississippi among many drivers.
Cheapest for 20-year-old drivers in Mississippi
In order to find obtain Mississippi car insurance, drivers in their 20s would have to get a lot of quotes. For younger 20-somethings, rates may be sky-high but appear to come down as drivers gain more road experience. Nevertheless, some firms regularly have better insurance rates for young drivers, but it’s best to search around to find them.
- Cheapest full coverage in Mississippi for 20-year-olds
The following firms, which had the cheap car insurance in Mississippi, are ideal for 20-year-olds with clean driving records:
- Mississippi Farm Bureau: $1,528 per year.
- Allstate: $1,954 per year.
- Progressive: $2,473 per year.
- Alfa: $2,895 per year.
- State Farm: $3,197 per year.
- Erie: $3,327 per year.
- Shelter: $3,563 per year.
- Cheapest minimum coverage in Mississippi for 20-year-olds
Mississippi drivers who only want the minimum state coverage will want to check with these firms, which have the cheap auto insurance Mississippi:
- Progressive: $875 per year.
- Allstate: $968 per year.
- Erie: $1,154
- Alfa: $1,297 per year.
- Safeco: $1,376 per year.
- Mississippi Farm Bureau: $1,543 per year.
- State Farm: $1,623 per year
Cheapest for 30-year-old drivers in Mississippi
Most drivers can enjoy lower MS car insurance premiums by the time they hit their 30s than in their teens and 20s. Still, factors such as the driving record of an individual and the make and model of a car will increase prices. By shopping around and reaping any car insurance benefits, drivers in their 30s can get lower rates on MS car insurance.
- Cheapest full coverage in Mississippi for 30-year-olds
Drivers with clean driving records may get the cheap car insurance in Mississippi from these firms:
- Alfa: $1,258 per year.
- Shelter: $1,354 per year.
- Mississippi Farm Bureau: $1,486 per year.
- Allstate: $1,672 per year.
- State Farm: $1,815 per year.
- Progressive: $1,874 per year.
- Erie: $1,955 per year.
- Cheapest minimum coverage in Mississippi for 30-year-olds
Mississippi drivers who want minimum coverage from their state should consult with the following providers, which have the cheap car insurance in Mississippi:
- Progressive: $435 per year.
- Allstate: $492 per year.
- Erie: $518 per year.
- Alfa: $586 per year
- State Farm: $625 per year.
- Mississippi Farm Bureau: $679 per year.
- Erie: $782 per year.
Cheapest for 40-year-old drivers in Mississippi
Drivers in their 40s appear to have better insurance rates than their younger counterparts, but they pay more than older age groups on average. Searching around with various insurers for cheap car insurance in MS is the easiest way to find lower rates. Good drivers who are not behind the wheel may also want to consider pay-per-mile insurance, which charges drivers for how many miles they travel.
- Cheapest full coverage in Mississippi for 40-year-olds
Drivers with clean driving records in Mississippi may want to think of the following firms, which had the cheap car insurance in Mississippi:
- Allstate: $1,415 per year.
- Progressive: $1,498 per year.
- Erie: $1,567 per year.
- Alfa: $1,623 per year.
- Mississippi Farm Bureau: $1,789 per year.
- State Farm: $1,895 per year.
- Shelter: $1,976 per year.
- Cheapest minimum coverage in Mississippi for 40-year-olds
Mississippi drivers who want only the minimum coverage will want to check these companies’ prices, which have the cheap auto insurance Mississippi:
- Progressive: $490 per year.
- Safeway: $546 per year.
- Allstate: $593 per year.
- Geico: $637 per year.
- Mississippi Farm Bureau: $674 per year.
- State Farm: $758 per year.
- Alfa: $894 per year.
Cheapest for 50-year-old drivers in Mississippi
On average, drivers in their fifties have cheap auto insurance Mississippi premiums than any other age group. If they move toward their 60s and gain more driving experience, prices will begin to decline. Rates will also differ based on different variables, such as the gender and position of a driver, so it is wise to search around to find the best rate. An excellent place to start is our list of the best insurance companies for cheap vehicles.
- Cheapest full coverage in Mississippi for 50-year-olds
Drivers with clean driving records in Mississippi will want to get rates from these providers, which have the lowest average rates:
- Shelter: $1,189 per year.
- Erie: $1,276 per year.
- Allstate: $1,384 per year.
- Alfa: $1,465 per year.
- Mississippi Farm Bureau: $1,573 per year.
- State Farm: $1,678 per year.
- Progressive: $1,789 per year.
Cheapest minimum coverage in Mississippi for 50-year-olds
The following firms, which offered cheap auto insurance Mississippi are recommended for drivers who want minimum state coverage:
- Safeway: $378 per year.
- Alfa: $425 per year.
- Mississippi Farm Bureau: $487 per year.
- Erie: $536 per year.
- Progressive: $579 per year.
- Progressive: $614 per year.
- State Farm: $678 per year.
Cheapest for 65-year-old drivers in Mississippi
However, 65-year-olds have lower Mississippi auto insurance premiums on average than many other age classes; prices will continuously increase as they grow older. Drivers in their mid-60s should be sure to search around to find the best deal in order to find cheap Car Insurance in MS for seniors. Drivers can also take advantage of any applicable discounts for senior citizens in this age group.
- Cheapest full coverage in Mississippi for 65-year-olds
Drivers with clean driving records in Mississippi will want to consider getting quotes from these firms, which have the lowest average rates:
- Progressive: $1,283 per year.
- Geico: $1,417 per year.
- Allstate: $1,578 per year.
- Mississippi Farm Bureau: $1,659 per year.
- State Farm: $1,782 per year.
- Shelter: $1,934 per year.
- MetLife: $1,996 per year.
- Cheapest minimum coverage in Mississippi for 65-year-olds
Mississippi drivers who only want the minimum state coverage will want to consult with these insurers, who offer the lowest average rates:
- Progressive: $376 per year.
- Safeway: $554 per year.
- Allstate: $627 per year.
- Alfa: $675 per year.
- Mississippi Farm Bureau: $713 per year.
- State Farm: $674 per year.
- Erie: $789 per year.
Who Has the Best Auto Insurance Quotes In Mississippi?
You may wonder what’s in store for your MS auto insurance if you live in the state of Magnolia—or if you can find a better deal with another insurer in Mississippi. Here we have provided you with the best MS Car Insurance depending on various categories.
Best Overall: Farm Bureau Insurance
Farm Bureau Auto Insurance is still looking to please policyholders with their insurance plans. Farm Bureau provides five coverage options, ranging from state minimum protections to optional comprehensive and uninsured motorists coverage. You can also take perk of a range of high-value discounts through the Farm Bureau, going from student rewards for good grades to premium discounts for each year you remain accident-free.
Farm Bureau provides a variety of discounts and top-notch customer service and takes first place with drivers in Mississippi.
Cheapest Car Insurance in Mississippi: State Farm
State Farm is in 2nd position behind the Farm Bureau and has an outstanding record with its customers in the South East. The true meaning behind the policies of the State Farm comes with its discounts. State Farm has one of the most extensive lists of discounts available and provides exclusive discount options depending on its coverage level.
You can save a lot of bucks if you have taken a defensive driving course, and college students can save when they agree to leave their car at home when going to college. There’s no doubt that you will protect yourself when you partner with State Farm.
Best for Military Personnel: USAA
When you obtain insurance via USAA, you can save with USAA if you are a member of an army, a veteran, or a family member of somebody in the military.
USAA has consistently provided some of the lowest rates in the world. USAA offers various forms of Mississippi Auto Insurance that can meet your needs and budget with discounts, while USAA customers also show high consumer satisfaction levels.
Top Best Car Insurance Companies Mississippi
We’ve made our top 5 choices for drivers looking for the best Mississippi car insurance. USAA is listed in Mississippi as our ultimate auto insurance company, and State Farm closely followed. The two have robust customer support, several discounts.
Metropolitan Insurance, Alfa Insurance, and MS Farm Bureau Casualty are also worthy of consideration. Every provider has something unique, and everyone is priced very typically. Let’s look at each one of them in detail.
- USAA
Benefits:
- Best customer satisfaction
- Accident forgiveness
- Additional available discounts
USAA is still one of the leading Mississippi Auto Insurance. It provides some of the best prices in the enterprise, and clients typically pay high marks. You may be entitled to enter if you are a family member of a current or retired service member.
USAA gives you various incentives on your automobile insurance, including:
- Discount on three years old cars
- Defensive driving discount
- Safe driver discount
- Loyal member discount
- Vehicle storage discount
2. Alfa Insurance
Benefits:
- Multiple options available for coverage
- Various discounts are available.
Alfa Insurance provides five options for insurance coverage. Choose between comprehensive, collision, liability, medical, and uninsured motorists. Members have a chance to take benefit from a variety of promotions. You can save by buying airbags, anti-theft systems, or even taking a protective driver’s class.
3. MS Farm Bureau Casualty
Benefits:
- Bundle with home insurance
- Multiple discounts
MS Farm Bureau offers you access to several discounts on your automobile insurance policy. For example, it provides a claim-free discount and an airbag discount (which are pretty easy criteria to meet for a lot of people). Plus, if you bundle your MS car insurance policy with your home insurance policy, you can save a lot of money.
4. State Farm
Benefits:
- The best company for owners of new cars
- Great online resources
State Farm is ranked among the best by A.M. Best and Moody’s, S&P Global. These demonstrate consistently good customer service and a constructive reclamation process. State Farm has a substantial range of tools and knowledge through its member site if you are searching for a Mississippi Auto Insurance provider with comprehensive online services.
5. Metropolitan Insurance
Benefits:
- Unique insurance plans
- Great discounts
- Streamlined quote process
Metropolitan insurance has a few excellent features that most car insurers don’t give. For example, Metropolitan will waive your allowance if you chip the windshield. If you are sued for a crash, it will also cover your legal bills.
Metropolitan also gives its (and other) Mississippi members some enticing discounts. Take a driver’s training course or keep a consistent driving record, and you can qualify for extra monthly savings.
Average Cost Of Mississippi Car Insurance
The average price of automobile insurance in Mississippi is $1,800 a year—26.1 percent higher than the US average. But Cheap Car Insurance In MS is determined by factors other than state lines. Many specific factors influence the cost of car insurance premiums. We have estimated average rates for a 40-year-old male driver with a clean driving record and a Toyota Camry with a 100/300/100 collision and comprehensive coverage. Your insurance rate could be higher or lower based on your coverage level, driving background, and age.
- Average Driver: $1,152
- DUI: $1,987
- Speeding Ticket: $1,348
- Poor Credit Score: $1,895
- Seniors: $1,182
- Students: $2,940
MS Car Insurance Requirements
Under the Mississippi Compulsory Car liability Insurance Scheme, all drivers must maintain liability insurance and provide evidence (paper or electronic) that the vehicle is insured. The following minimum amount of coverage is provided by these rules:
- $25,000 in damages for physical harm or death of one person in an accident caused by the insured car owner/driver.
- $50,000 in damages for total bodily harm or death in the case of an accident occurs by the driver of the insured vehicle
- $25,000 in liability for property damages due to an accident caused by the insured car owner/driver.
Note: Technically, Mississippi car owners can either post a bond of the same amounts or make an equal cash or security deposit at these minimums in order to show financial accountability, but the majority of individuals prefer to buy a liability insurance policy.
Liability coverage covers medical expenses, property damage bills, and other costs to drivers, passengers, and pedestrians who are injured or have their vehicle disabled in a traffic accident that you cause up to coverage limits. You will (and in some cases should) have more coverage to protect you in the event of a severe accident resulting in serious car accident injury and vehicle damage. If the premium limits have been exhausted, you are personally on the financial hook, so higher insurance limits will help cover your personal assets in the event of a significant accident.
Your liability coverage will get in if you have a family member driving your car or if you have permitted someone else to drive it. You’re not going to be compensated if you get into an accident in a rental car.
You must know that the insurance coverage can’t extend to your own injury or automobile damage after a Mississippi auto accident. You’re going to need separate (additional) coverage if you’re involved in a car accident, and nobody else’s range extends to your damages. For example, crash coverage (optional in Mississippi) will pay for repairs (or replacements) to your damaged vehicle after a car accident. Note that a collision or a comprehensive collision may be needed under the terms of a vehicle lease or a financing agreement.
How To Get Cheap Car Insurance In MS?
Suppose you want to save money on auto insurance in Mississippi. In that case, you need to shop around, which will provide you with cheap car insurance in MS. There are also significant variations in premiums from one insurance policy to the next. Get quotes from at least a few insurance providers before making a final decision.
It is also critical to be aware of deals that can save you money. Some insurance companies make affiliation discounts available to those who work in certain occupations. If you are working in medicine, law, or the military, or if you are employed as a scientist, firefighter, or police officer, you might be eligible for a discount for certain insurance providers.
You can also conserve a few pennies by complying with your policies. Bundling refers to the purchase of more than one policy by the same insurance company. For example, you might get a discount by purchasing both your home insurance and your car insurance from the same company. And if there is more than one vehicle in your household, you will get a reduced rate if you purchase a car insurance policy from the same insurer.
And make sure to ask questions. Insurance providers may not always notify you upfront if there is a discount available, so you will have to take the initiative to claim a lower rate. One of the most powerful things you can do to get a low rate is to prevent driving tickets and injuries. Usually, the best rates go to policyholders with a clean record of driving.
Is MS Car Insurance A No-Fault State?
Mississippi follows a conventional fault-based system when it comes to financial liability for damages arising from an accident: car accident, lost income, vehicle damage, and so on. As a result, the person who was at fault for causing the car accident is therefore responsible for any potential harm (from a practical point of view, the at-fault driver’s insurance carrier would cover the damages up to the policy limits).
In Mississippi, a person who has sustained some kind of damage or injury due to a car accident will typically proceed in one of three ways:
- By making a claim with his or her own insurance provider, assuming that the loss is protected by the policy (in this case, the injured person’s insurance company is likely to turn around and make a subrogation claim against the defective driver’s carrier)
- By claiming directly to third-party with the insurance carrier of the at-fault driver, or
- By claiming a personal injury case against the at-fault driver to the civil court.
Note: In no-fault auto insurance jurisdictions, the claimant does not typically have the same choice of options. In a car accident in a no-fault state, you must cover hospital costs and other out-of-pocket losses for personal injury protection of your own car insurance policy, regardless of who caused the accident. Only if the injuries exceed a certain level will you step outside the fault line and file a claim directly to the driver who is at fault. But Mississippi drivers don’t need to think about a loss after an in-state crash.
Car Insurance Rates In Mississippi By Credit Score
Insurance firms also use credit details to come up with the deductible and premium. Drivers with high credit see lower rates because they are statistically less likely to file a lawsuit. On the other hand, drivers with a lower credit profile are more likely to complain and pay more for their benefits.
Here’s how your credit score will affect what you’re paying for Mississippi auto insurance.
- Poor 300–579: $2,213
- Fair 580–669: $1,724
- Good 670–739: $1,367
- Excellent 740+: $1,220
Take enough time to boost your credit score to lower your paying for auto insurance. Here are the four simple methods you can use to see your score hit new heights over time:
- Pay bills: The best way to improve your credit score is to pay all your bills on time. Write down when and payment on your credit card and loan is due, and make sure you pay at least the minimum amount of money each month.
- Get credit for rent and utility payments: Are you renting a home or an apartment? If so, you may have a long history of timely payments. Many landlords don’t disclose rent or service payments to significant credit monitoring offices, so these payments don’t affect your ranking. Press your landlord to start disclosing these payments—this allows you to pay in advance or on time every month.
- Watch credit card spending: Your credit utilization is the percentage of your total available credit that you use each month. You will increase your score by keeping your total monthly utilization at or below 30%.
- Avoid closing unused accounts: You may think that the first thing you should do is close the cards you don’t need. However, this will lower your total available credit and lower your score. Leave your cards in a locked desk drawer or with a trusted family member to prevent the urge to overspend.
Mississippi Car Insurance Rates Per Vehicle
The sort of vehicle you drive will influence how much you pay for auto insurance. Insurance firms look at safety scores, crash test reports, burglary data, repair costs, and more when creating your premium. As it is a thumb rule, you should expect to pay more for your auto insurance as your vehicle’s price increases. This is because luxury cars also need higher maintenance, repair, and replacement costs.
Consider one of the most affordable and popular vehicles in Mississippi, the Nissan Altima. You can expect to pay less for your insurance because the parts are available, the car boasts an outstanding IIHS safety rating, and many mechanics know how to fix it. On the other side, if you invest in one of Mississippi’s favorite luxury vehicles, the Mercedes-Benz C-Class, you can expect to pay more for your insurance. This is because high-priced vehicles cost more to fix, and new parts are often more costly.
Best Car Insurance In Mississippi For Multiple Cars
If many individuals living in your household with vehicles need coverage, Nationwide can be a safe and inexpensive option. Nationwide provides a unique family plan discount that allows you to apply all of your discounts to your whole policy even if only one member of your family is eligible for the deal. A teen driver who regularly brings home top grades can expand his discount to any family member. Nationwide also provides a wide variety of coverage options, covering everything from state minimum coverage to car rental coverage and more.
Auto Insurance Discount In Mississippi
The lack of research into what kinds of Mississippi car insurance discounts are available leaves money on the table. You may win deals on items that you might not have known are possible. Many of the most popular discounts that can save you as much as 25% include:
- Anti-theft equipment that stops robbers from targeting your car
- Online payment plans or annual prepayment plans
- Hybrid or hybrid vehicle discounts for environmentally friendly vehicles
- Excellent driving history discounts that increase you don’t have an accident every year.
- A good student can avail of the discount for high school and college students with a good score.
- Multi-policy discounts when you bundle other policies such as life insurance or landlord policy.
- Vehicle safety equipment discounts for newer cars with systems such as crash warning and automatic braking.
Top 10 Cheapest Cities For Car Insurance Quotes In Mississippi
If you’re fortunate enough to drive in one of these cities, you’re likely to pay some of the Cheap Auto Insurance Mississippi rates available in Mississippi. According to our results, Corinth only comes in at a low cost of $98 per month. Other cities that have made the top ten list include Columbus at $109 per month, Starkville at $112 per month, and Greenville at $114 per month.
Let’s look at the top 10 cheapest cities for Cheap Car Insurance In MS:
- Corinth, MS: $98/month
- Columbus, MS: $109/month
- Starkville, MS: $112/month
- Greenville, MS: $114/month
- Bay Saint Louis, MS: $118/month
- Tupelo, MS: $119/month
- Oxford, MS: $201/month
- Mccomb, MS: $203/month
- Pearl, MS: $204/month
- Ridgeland, MS: $206/month
Cheap Car Insurance In Mississippi For Minimum Coverage
For the minimum insurance in Mississippi, the cheapest insurers and the average driver’s premium with good credit and clean driving history are:
- Safeco: $445 per year.
- Allstate: $487 per year.
- State Farm: $550 per year.
- Direct Auto: $594 per year.
- Geico: $620 per year.
- Erie: $675 per year.
- Mississippi Farm Bureau: $730 per year.
Average premiums for good drivers (giving them a discount if the insurer provides one) who have only the minimum compulsory insurance in their own country. Such light coverage is not necessarily recommended as it does not cover all bills arising from a car accident. Still, it’s better than none, mainly if you can’t afford anything more. If you’re hunting for the cheapest insurance you can find, though, you should always get car insurance rates from at least three auto insurers.
Affordable Car Insurance In Mississippi By Age
Our analysis reveals that the 25-year-old Mississippi driver’s profile has an average Mississippi car insurance premium of $1,655. The 25-year-old female driver profile in the state has a representative rate of $1,986.
As our Mississippi driver profiles get older, these symbolic numbers are dropping. A male driver profile aged 35 costs an average representation rate of $1,465, and a female driver profile study rate of $1,494 for the same age range. According to our report, 60-year-old driver profiles pay the lowest representative fee. A male profile of this age pays just $1,365 per year in Mississippi, while a female profile of the same age pays $1,278 per year.
Why Car Insurance Rates Vary In Mississippi?
In Mississippi Auto Insurance companies tend to consider a few factors while calculating the rates of car insurance. Due to this, the insurance rates vary when it comes to Cheap Car Insurance in Mississippi. Before the companies finalize the rates of Cheap Car Insurance in MS, they prefer to analyze whether the driver is likely to meet with a car accident in the future or not.
This is why they consider a few statistics, as they help companies in determining the drivers who have had a history of car accidents, tickets, and rules violations are the ones who are likely to meet with an accident. In Mississippi Car Insurance companies charge higher insurance rates from such drivers who do not hold a decent track record of driving. It is important here to mention that inexperienced drivers are always charged higher insurance rates in all the states of the country.
Driver’s age and experience are two important factors that Cheap Car Insurance in MS considers. Any driver holding a good amount of driving experience enjoys the best insurance rates. According to a few statistics, it is observed that the financial history of the driver is a very significant indicator which states whether the person will meet a car crash in the future or not. People who have strong credit are known to be many safe drivers; that’s why if you own a good credit score, you are required to pay less for MS Car Insurance.
You must know that within each state, the insurance rates tend to vary from city to city. It is because there has been a difference in rates in towns like Greenville, Tupelo, and Jackson. Town’s accident rates or rate of vehicle theft are some reasons for this insurance rates difference.
Cheap Auto Insurance in Mississippi after A DUI
It is extremely pivotal for you to know that if a driver’s past records include a DUI, then the insurance rates may vary when it comes to Cheap Car Insurance in Mississippi. Driving under the influence, i.e., DUI, can lead to higher amounts of premium as it is a serious offense that is never ignored or neglected by any Mississippi Auto Insurance company. Therefore, if you plan to purchase a standard full coverage car insurance with a DUI in recent, you need to compare the prices of all the Cheap Car Insurance in Mississippi.
Rates of some cheap insurance companies are mentioned down below, but you need to remember that you may get rejected for coverage. Also, rates may differ by hundreds, and some companies even penalize for a long period than others; therefore, you need to shop around smartly to get the best deals.
- Allstate: $1,425 per year.
- Safeco: $1,516 per year.
- Erie: $1,678 per year.
- Progressive: $1,894per year.
- Alfa: $2,135 per year.
- Mississippi Farm Bureau: $2,198 per year.
- Direct Auto: $2,276 per year.
Cheap Car Insurance in Mississippi for Young Drivers
There is no point of doubt that drivers in their 20s are always charged higher insurance rates because they are prone to risks and car accidents to a great extent. Companies like Safeco offer cheap car insurance prices to young drivers, but there are other companies as well that offer Cheap Car Insurance in MS. It is true that age matters a lot when it comes to calculating the insurance price, but every company considers driving background and age in a different manner.
Therefore, it is always beneficial for you to compare prices. In order to have full coverage for young and good drivers who possess decent credit and driving records, we have listed a few companies that offer cheap insurance prices for a 25-year-old driver in Mississippi:
- Direct Auto: $1,275 per year.
- Allstate: $1,324 per year.
- Progressive: $1,387 per year.
- Safeco: $1,415 per year.
- State Farm: $1,496 per year.
- Mississippi Farm Bureau: $1,578 per year.
- Nationwide: $1,682 per year.
Most times, it becomes a tough and challenging task for drivers in their 20s to find a cheap car insurance company, especially when they need to have full coverage. All the insurance prices that are listed above are average rates for young male and female drivers. Comprehensive and collision coverage are included in the prices. In order to have the best deals, young drivers are suggested to compare and consider prices from different Cheap Auto Insurance Mississippi.
MS Auto Insurance Cheap Full Coverage Cost
You will be surprised to know that all the expensive car insurance companies charge three times more than the Cheap Auto Insurance Mississippi. Due to this, it is always vital to consider and compare insurance prices from different companies, especially when you need full coverage.
A full coverage auto insurance policy includes collision and comprehensive insurance. However, it is slightly more priced as compared to a policy that has liability insurance. On average, State Farm offers cheap full coverage insurance policies, but it is always beneficial to compare the quotes of different MS Car Insurance companies, as mentioned earlier. Some of them are listed down below:
- State Farm:
This is the best option that you can have at your disposal as it is up to $300 cheaper than the others. The full coverage insurance policy of State Farm in Mississippi costs $1,579 per year on average.
- Mississippi Farm Bureau:
On average, the insurance rate of the Mississippi Farm Bureau in Mississippi costs $1,759 per year. If you include the policy’s membership fee, then also Farm Bureau offers the second-best cheapest insurance price in the state.
- Alfa:
It is the Alabama-based car insurance company, which is also known for providing the cheapest car insurance prices in the state. In order to have a full coverage insurance policy, on average, the driver is required to pay $1,876 per year.
Cheap Car Insurance Companies In Mississippi For Drivers With Bad Credit
MS Car Insurance companies consider credit scores while calculating the insurance prices for the drivers who ask for car insurance quotations. Therefore, you are required to remember a golden rule here, which states that the higher the credit score will be, the lower will be the risk of the driver to file a claim. 667 is the average credit score in Mississippi. Following are the average rate of car insurance for the drivers who possess bad credit score:
- State Farm
$1,150 per year; $95 per month
- Nationwide
$1,352 per year; $ 116 per month
- GEICO
$1,437 per year; $113 per month
- MetLife
$1,475 per year; $123 per month
- Mississippi Farm Bureau
$1,570 per year; $131 per month
- Allstate
$1,684 per year; $141 per month
- USAA
$2,004 per year; $167 per month
- Progressive
$2,540 per year; $212 per month
- Travelers
$2,854 per year; $238 per month
- Erie
$2,975 per year; $248 per month
- Alfa
$3,130 per year; $261 per month
It is true that a low credit score will lead to higher car insurance prices, but you can always work to raise and improve your credit score as it is not a permanent situation. A score of 700 and plus is generally considered a good credit score. However, if you have a bad one, you must take essential steps in order to minimize the car insurance prices.
Cheap Car Insurance Companies In Mississippi For Seniors
There are no driving restrictions on seniors in Mississippi, but still, they are required to drive safely on the roads due to their health issues. As the driver gets older, it is natural that their physical and mental capabilities would change as compared to a young driver. Also, there is absolutely no point of doubt in the fact that their physical and mental capabilities may affect their driving skills in an adverse manner.
According to the National Highway Traffic Safety Administration statistics, there were 133 severe traffic crashes in the year 2018. All the drivers involved in the traffic crash were near 65 years of age or above. Due to this, Mississippi Car Insurance rates may differ for seniors. Following are the average car insurance prices for seniors in Mississippi:
- State Farm
$755 per year; $63 per month
- GEICO
$875 per year; $73 per month
- USAA
$954 per year; $80 per month
- Progressive
$1,089 per year; $91 per month
- Erie
$1,078 per year; $89 per month
- MetLife
$ 1,095 per year; $91 per month
- Allstate
$1,150 per year; $96 per month
- Travelers
$1,382 per year; $116 per month
- Safeco
$1,712 per year; $143 per month
- Nationwide
$1,875 per year; $157 per month
- Mississippi Farm Bureau
$2,098 per year; $175 per month
What Are The Different Types Of Mississippi Insurance Coverage?
In order to buy Cheap Car Insurance in Mississippi, it is of extreme significance for you to know about the various types of car insurance. Following mentioned are basic car insurance types that you can consider in Cheap Car Insurance in MS:
- Liability Coverage:
It is a legal requirement in most US states. It helps in paying the damages caused via injury and property damage to others when you are legally found responsible.
- Collision Insurance:
It helps in paying the damages for your car in a car accident. You can get the covered vehicle repair and replace.
- Comprehensive Insurance:
It helps in paying damages for vandalism, accidents with animals, etc., after the accident involving another vehicle.
- Uninsured and Underinsured Motorist Insurance:
It helps in paying medical expenses and other damages when the accident is caused by another person who has no or insufficient insurance coverage.
- Medical Payments Coverage:
It covers the medical cost of anyone who is injured in your vehicle, irrespective of anyone’s fault.
- Personal Injury Protection:
It’s no-fault insurance, which is available in several states. In an accident, it pays for medical costs, economic losses, and damages irrespective of who is at responsibility.
- Gap Insurance:
It helps drivers in covering the amount owed on a car in case of theft or total loss.
- Towing & Labor:
It helps in reimbursing you for towing or labor costs incurred for repairing your vehicle.
- Rental Reimbursement:
After an accident, it reimburses the cost of a rental car if your vehicle can’t be driven.
- Classic Car:
It covers the unique requirements of vintage and classic cars.
Mississippi Auto Insurance Common Questions And Answered
What’s the penalty for driving without Mississippi Car Insurance?
If you are caught without having car insurance, you are likely to face the listed penalties:
-Fine up to $1000
-Suspension of driving privileges for up to 1 year
-Conviction of a misdemeanor
What parts of an auto insurance policy are required by Kansas law?
Minimum car insurance required for Kansas drivers is $25,000 bodily injury per accident per person, $50,000 bodily injury for all persons/accident, and $10,000 property damage liability.
What’s full coverage insurance in Mississippi Auto Insurance?
It provides more than the state’s minimum liability coverage, i.e., $25000 for bodily injury per person, up to $50,000/ accident, and $25,000 for property damage coverage in MS Car Insurance.
Do Mississippi’s required minimums provide enough coverage?
The state sets basic insurance needs to protect drivers. But, a low liability limit has risk. With minor injuries, the bodily injury limit can be finished, especially when more than one person is injured. Therefore, it is suggested that drivers should always maximize their liability limits. You can even consider including extra coverages in your Cheap Auto Insurance Mississippi.
What raises and lowers the price of Cheap Auto Insurance Mississippi?
Make, and model of the car, demographic factors, driving habits, coverages, deductibles, and the limits that a driver chooses may affect the car insurance premiums.
What is the maximum settlement for a car accident?
In Mississippi Car Insurance, the average car accident settlement sums around $22,000. It is most likely to come between $13,000 and $28,000. For permanent and major injuries, the settlement tends to be higher, and the driver gets paid if another driver is caught under DUI
