Cheap Car Insurance in Mississippi for August 2026

Direct Auto offers the cheapest liability coverage in Mississippi, with an average rate of $396 per year according to NerdWallet's August2026 analysis.

Recent car insurance quotes for NerdWallet shoppers

Check out some of the car insurance quotes other drivers have gotten through NerdWallet Insurance Experts.

Quoted July 9, 2026
Travelers quoted this rate for a driver in Virginia. $74/mo*

Quoted June 22, 2026
Travelers quoted this rate for a driver in Arizona. $87/mo*

Quoted July 3, 2026
Travelers quoted this rate for a driver in New Jersey. $91/mo*

Quoted July 10, 2026
Travelers quoted this rate for a driver in Ohio. $99/mo*

Quoted July 8, 2026
Travelers quoted this rate for a driver in New Hampshire. $126/mo*

Quoted May 22, 2026
Bristol West quoted this rate for a driver in Arizona. $124/mo*

Quoted May 4, 2025
Foremost quoted this rate for a driver in Illinois. $91/mo*

Nerdy takeaways

• Travelers offers the cheapest full coverage in Mississippi, with an average rate of $1,259 per year according to NerdWallet's August2026 analysis.
• Full coverage in Mississippi costs an average of $2,499 per year, or $208 per month.
• If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Mississippi is $591 per year, or $49 per month.

Cheap car insurance in Mississippi

Here's the cheapest full coverage car insurance in Mississippi for 35-year-old drivers with different driving records.

The cheapest car insurance company in Mississippi is Travelers at $1,259 per year on average, or $105 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Mississippi.

Meanwhile, the average cost of full coverage car insurance in Mississippi is $2,499 per year, or about $208 per month.

Minimum coverage in Mississippi is $591 per year on average, but we found you can likely get a cheaper policy. For example, Direct Auto offers the cheapest rates in Mississippi at $396 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Mississippi

NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Mississippi and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2023 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Mississippi. For full coverage, we used the below coverage limits:

• $100,000 bodily injury liability per person.
• $300,000 bodily injury liability per accident.
• $50,000 property damage liability per accident.
• $100,000 uninsured motorist coverage per person.
• $300,000 uninsured motorist coverage per accident.
• Collision coverage with a $1,000 deductible.
• Comprehensive coverage with a $1,000 deductible.

Cheap auto insurance in Mississippi for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Mississippi for 20-year-olds

Drivers in Mississippi with clean driving records may want to consider the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Mississippi for 20-year-olds

Drivers in Mississippi who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

Cheapest car insurance in Mississippi for 20-year-olds with poor credit

Drivers with poor credit in Mississippi should look at the following insurers with the lowest average rates for minimum coverage:

Cheapest car insurance in Mississippi for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Mississippi for 30-year-olds

Drivers in Mississippi seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Mississippi for 30-year-olds

Drivers in Mississippi who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Cheapest car insurance in Mississippi for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Mississippi for 40-year-olds

Drivers in Mississippi with clean driving records may want to think about the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Mississippi for 40-year-olds

Drivers in Mississippi who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

Cheapest car insurance in Mississippi for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should shop around to find the best rate. They should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Mississippi for 60-year-olds

Drivers in Mississippi with clean driving records may want to get quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Mississippi for 70-year-olds

Drivers in Mississippi who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Minimum car insurance requirements in Mississippi

Mississippi car insurance policies must include liability insurance. If you ever cause an accident, this coverage pays for others’ injuries or property damage, up to your insurance limit.

The minimum limits you can select are:

• $25,000 bodily injury liability per person.
• $50,000 bodily injury liability per accident.
• $25,000 property damage liability per accident.