Mississippi Auto Insurance [Rates + Cheap Coverage Guide]

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Mississippi Statistics SummaryStats
Road Miles 2015Total In State: 76,777
Vehicle Miles Driven: 39,890 Million
Vehicles 2015Registered: 2,040,524
Total Stolen: 4,243
State Population2,986,530
Most Popular VehicleFord F150
Percentage of Motorists Uninsured23.7%
State Rank: 2
Driving DeathsSpeeding (2008-2017) Total: 1,219
Drunk Driving (2008-2017) Total: 1,667
Average Premiums 2015 (Annual)Liability: $460.50
Collision: $323.22
Comprehensive: $210.33
Combined Premium: $994.05
Cheapest ProviderUSAA

What defines Mississippi as a state? Its spelling-bee-worthy name? Its mighty, sprawling river? The oppressive summer humidity? However you choose to define Mississippi, it’s a state that offers some beautiful views, good eats, and an excellent taste of America’s South.

Naturally, anyone touring through the great Magnolia State will want to do what she can in order to stay safe while on the road. Locals, too, have to combat rainy seasons like no other in the United States, which can bring on floods that leave some roads impassable.

That’s where we come in. We’re here to help you stay on top of all of Mississippi’s roadway know-how and to guide you through the process of choosing the car insurance that’s right for you as a soon-to-be resident, old timer, or visitor in the state.

Take a peek through our guide to Mississippi’s roadways, and you’ll find information on all of the state’s insurance providers. If you’re looking to find the rate that’s best for you, you can even take advantage of our FREE online tool and compare insurance rates based on your zip code.

Ready to get started? Let’s move forward and conquer the roadways of Mississippi together.

Table of Contents

– Mississippi Minimum Coverage

Like most other states, residents who have their cars registered in Mississippi are required by law to have car insurance, even if it’s just the minimum that the state offers. If you’re on a budget, though, or new to the car insurance market, it can be difficult to navigate through all of the different kinds of coverage that are available to you.

Comprehensive, liability, at-fault – what is all that?

Take a look below, and you’ll find easy-to-understand guides to these types of coverage and more.

– Mississippi’s Minimum Coverage

As we mentioned, drivers in Mississippi must have car insurance in order to legally be on the road. For folks on a budget, managing that can be a little difficult. As such, Mississippi lays out its minimum required coverage in straightforward language.

The state of Mississippi makes use of a 25/50/25 minimum liability limit, as noted by AAA. This means that your insurance will need to be broken down into the following:

  • 25 – you’ll need $25,000 of coverage in order to attend to the injuries of a single person
  • 50 – you’ll need $50,000 of coverage in order to cover the injuries of more than one person
  • 25 – you’ll need $25,000 of coverage in order to pay for the replacement of any property that might be damaged during an accident.

That may seem like a hefty amount of coverage for a state minimum but think about it. Mississippi representatives want to ensure that anyone who gets in an accident on one of the state’s interstates will be able to receive the medical and personal attention that they need in order to recover.

If it were you on the other end of an accident, after all, you’d want the person who ran into you to be insured – right?

Forms of Financial Responsibility

Mississippi drivers are also required by law to have a form proving that they hold the state minimum coverage or more in their cars or on their person while driving at all times.

If you’ve ever been in a car accident or gotten pulled over by a police cruiser, you know the benefit of having one of these forms on hand. Forms of financial responsibility are more than just convenient, though. If you’re found driving without proof of insurance, you will face legal consequences.

With that scare tactic out of the way, what kind of paperwork serves as proof of insurance? You can use any of the following:

  • Insurance ID Card
  • Your Insurance Policy’s Certificate
  • A Certificate of Deposit which indicates that you’ve paid your insurance dues to the Mississippi State Treasurer
  • Proof of a bond

– Premiums as a Percentage of Income

Let’s change gears for a moment. We’ve already touched on minimum coverage. If you’re considering investing in more, though, you should consider your per capita disposable income.

Your per capita disposable income is the income that you are able to spend after you’ve paid your taxes for the year. As it turns out, that leftover income can impact the amount of money you’ll have to pay as a premium when seeking out car insurance coverage in the state of Mississippi.

On average, Mississippi residents report a per capita income of $31,365 per year.

That means as a resident of Mississippi, you’ll have, on average, $2,613.75 to spend a month once you’ve paid your taxes. All of that money will then be divided between your rent, groceries, utilities, and any other bills you have to pay.

On average, Mississippi’s full coverage car insurance costs $957.59 per year.

On a monthly basis, then, a person paying for full coverage car insurance will be expected to pay $79.80 to their car insurance company.

That may seem like a hefty number. As a matter of fact, though, Mississippi’s state average for comprehensive car insurance coverage is reasonably close to the countrywide average. Across the United States as a whole, most drivers pay around $981 per year for full coverage car insurance, meaning that their monthly payments come in at just above Mississippi’s rate.

You can, of course, seek out providers that accept lump sum payments. If you don’t, though, you’ll have to factor in that additional monthly cost to your budget. As such, it’d make sense to seek out the kind of coverage that best suits your needs and lifestyle.

– Core Coverage

The average cost of core coverage – liability, collision, comprehensive, or any combination of the three – is the number that’ll most likely concern you. We’ve compiled a list of the previous annual costs of different types of coverage in Mississippi for you to take a peek at.

Be warned, though. These rates will unquestionably be higher as of 2019.

Coverage TypeAnnual Costs (2015)
Liability$460.50
Collision$323.22
Comprehensive$210.33
Combined$994.05

Mississippi, it’s worth noting, does not require you, as a driver, to have any additional coverage beyond that of the state minimum. However, if you find that you’re underinsured and in an accident, you may realize that skipping over some of these additional plans costs you more, in the long run.

So what kind of additional coverage is available to you? Let’s take a gander at some of your options.

– Additional Liability in Mississippi

Loss Ratio201320142015
Medical Payments (MedPay)74.81%77.44%80.03%
Uninsured/Underinsured Motorist Coverage (UUM)69.10%74.67%79.20%

The coverages that we touch on in the chart above are only a few of the additional types of coverage you can make use of as a driver in Mississippi. They are optional, of course, but there’s also a benefit to them.

Medical Payments, or Med Pay, and Uninsured/Underinsured Motorist Coverage alike both help you stay on top of your bills in case you get in an accident with a driver who doesn’t have enough coverage to bear the brunt of the blame.

Not only does this additional coverage make sure that your injuries or property damage are appropriately seen to, but it ensures that the other driver won’t go bankrupt trying to pay for the cost of the accident.

Still think you might not need any additional coverage?

Mississippi, out of the 50 states in the United States, ranks 2nd for the most uninsured drivers operating on its roadways today, according to the Insurance Information Institute.

Do yourself a favor, then, and consider your future as a driver with caution.

– Loss Ratios in Mississippi

It’s also worth noting that in the aforementioned table we touch on Mississippi’s state loss ratios. What’s a loss ratio? That percentage represents the amount of coverage car insurance companies pay out on claims annually.

When you’re comparing car insurance companies, the loss ratio can be quite the telling number.

On one hand, a high loss ratio suggests that a car insurance provider will frequently pay out on your coverage in full. This is great, should you get in an accident, but it’s also not the most financially-sound business practice.

On the other hand, a lower loss ratio implies that car insurance companies are less likely to pay out your coverage in full, should you get in an accident. This is less great for you, should you be the person found at-fault or on the other end of an underinsured driver’s bumper. However, lower loss ratios also reflect some financial caution within a car insurance agency.

The best thing to do, when looking at car insurance companies’ loss ratios, is to find one that’s about in the middle of the spectrum.

– Add-ons, Endorsements, and Riders

Once you can estimate how much a car insurance provider will be willing to pay out in case of an accident, you can start considering additional add-ons to your minimum policy, including the ones listed below:

– Mississippi’s Demographic Rates

There is a myth that frequently finds its way into car insurance conversations. This myth says that male drivers are riskier drivers than female drivers, and as such, male drivers are charged more for their insurance than female drivers.

This isn’t always the case. In Mississippi, both gender and age play into the amount a person is charged for their car insurance coverage. In many cases, women are even charged more than their male counterparts! Talk about biting back against a long-standing myth.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,759.49$2,635.21$2,463.36$2,519.32$11,031.99$11,772.88$3,133.31$3,215.18
GEICO General$2,966.41$2,806.48$2,694.14$2,503.52$7,389.86$6,979.27$4,950.27$2,400.88
Nationwide P&C$2,046.11$2,102.48$1,835.74$1,945.49$4,088.44$5,202.84$2,318.23$2,510.05
Progressive Gulf Ins$2,591.63$2,419.61$2,124.47$2,061.68$9,375.44$10,495.41$2,662.75$2,769.80
SAFECO Ins Co of IL$2,629.22$2,846.39$2,112.59$2,370.20$9,446.38$10,504.45$2,794.00$2,941.24
State Farm Mutual Auto$1,877.59$1,877.59$1,680.17$1,680.17$5,427.70$6,823.62$2,091.75$2,382.03
Travelers Home & Marine Ins Co$1,683.09$1,713.42$1,600.71$1,602.55$7,522.15$11,907.14$1,765.06$2,047.25
USAA$1,385.56$1,371.97$1,293.28$1,308.31$3,448.85$4,091.04$1,689.16$1,861.86

Age, as you can see, is also a significant factor in the cost of insurance in Mississippi. The older drivers get, the more likely they are to see their car insurance rates mellow out, regardless of gender. Experience, after all, has to pay off somehow.

– Highest and Lowest Insurance Rates by Zip Code in Mississippi

The area in which you’ve registered your car in Mississippi may also impact your car insurance rates.

CityZipcodeAverage Cost
HERMANVILLE38601$3,529.60
LORMAN38602$3,613.97
PORT GIBSON38603$3,568.33
NATCHEZ38606$3,732.00
PATTISON38609$3,808.67
FERNWOOD38610$3,410.42
WASHINGTON38611$3,585.69
WOODVILLE38614$3,910.45
CROSBY38617$3,907.93
TOUGALOO38618$3,621.23
LAKESHORE38619$3,766.41
TINSLEY38620$3,735.76
FAYETTE38621$3,733.97
JACKSON38622$3,786.36
UTICA38623$3,989.17
UNION CHURCH38625$3,374.28
CHATAWA38626$3,753.83
HURLEY38627$3,353.55
PRENTISS38628$3,738.19
ROME38629$3,489.04
CENTREVILLE38630$3,994.56
CARSON38631$3,890.85
JACKSON38632$3,682.39
WHITFIELD38633$3,512.62
FARRELL38635$3,565.45
HAZLEHURST38637$3,723.28
DARLING38638$3,619.00
PANTHER BURN38639$3,811.84
GALLMAN38641$3,719.02
FOXWORTH38642$3,638.78
JACKSON38643$3,868.11
GLOSTER38644$3,811.03
CARRIERE38645$3,917.55
KILN38646$3,837.93
JACKSON38647$3,614.30
KOKOMO38649$3,531.38
SILVER CREEK38650$3,381.54
JACKSON38651$3,698.93
RENA LARA38652$3,284.97
JACKSON38654$3,777.42
COLUMBIA38655$3,546.16
BASSFIELD38658$3,759.59
JACKSON38659$3,515.40
ROXIE38661$3,563.18
D LO38663$3,430.33
TIE PLANT38664$3,753.89
PICAYUNE38665$3,651.72
JACKSON38666$3,770.51
VANCE38668$3,622.60
LIBERTY38669$3,838.40
NEW AUGUSTA38670$3,766.40
BYRAM38671$3,764.60
MC CALL CREEK38672$3,737.03
LYON38673$3,529.00
CRYSTAL SPRINGS38674$3,432.60
JACKSON38675$3,565.33
ELLIOTT38676$3,719.33
SANDY HOOK38677$3,600.13
CLARKSDALE38679$3,554.17
TERRY38680$3,765.54
COAHOMA38683$3,443.86
POPLARVILLE38685$3,521.01
SEMINARY38701$3,697.29
TUTWILER38703$3,712.66
WINTERVILLE38720$3,649.03
PUCKETT38721$3,746.71
SIBLEY38722$3,756.01
RAYMOND38723$3,763.33
HARPERVILLE38725$3,567.45
MEADVILLE38726$3,553.33
JACKSON38730$3,526.44
WESSON38731$3,661.77
SMITHDALE38732$3,547.21
CHARLESTON38733$3,619.01
SWAN LAKE38736$3,514.71
FRIARS POINT38737$3,557.39
CLINTON38738$3,812.76
PACE38739$3,780.58
OCEAN SPRINGS38740$3,637.80
MIDNIGHT38744$3,651.42
JACKSON38745$3,773.09
BUDE38746$3,565.13
WAVELAND38748$3,662.26
WINSTONVILLE38751$3,465.74
SUMRALL38753$3,479.37
COLLINS38754$3,620.77
LUCEDALE38756$3,658.99
LAMBERT38759$3,536.26
BAY SAINT LOUIS38760$3,858.94
SUMNER38761$3,488.52
METCALFE38762$3,632.23
RICHTON38764$3,887.91
PEARLINGTON38765$3,988.98
MOUNT OLIVE38767$3,953.83
GEORGETOWN38768$4,009.06
SONTAG38769$3,528.71
ENID38771$3,511.46
MOSS POINT38772$3,834.98
DIAMONDHEAD38773$3,507.10
BEAUMONT38774$3,614.79
NEWHEBRON38776$3,653.82
SHERARD38778$3,512.44
SAUCIER38780$3,689.71
MARKS38781$3,877.63
SCOTT38782$3,905.29
JACKSON38801$3,258.36
BRAXTON38804$3,239.30
DELTA CITY38820$3,502.51
GULFPORT38821$3,253.21
BENTONIA38824$3,247.35
JAYESS38825$3,314.90
PINOLA38826$3,272.51
OAK VALE38827$3,415.14
PARCHMAN38828$3,293.99
JONESTOWN38829$3,346.49
VANCLEAVE38833$3,435.53
LULA38834$3,383.63
BELEN38838$3,419.25
LUMBERTON38841$3,265.32
GULFPORT38843$3,318.23
PURVIS38844$3,369.73
BILOXI38846$3,382.11
MC NEILL38847$3,392.76
CASCILLA38848$3,288.04
GULFPORT38849$3,237.09
MORTON38850$3,284.84
RALEIGH38851$3,277.10
BUCKATUNNA38852$3,441.34
MC HENRY38855$3,336.26
PASCAGOULA38856$3,274.20
GLENDORA38857$3,287.84
OSYKA38858$3,288.88
YAZOO CITY38859$3,293.38
PASCAGOULA38860$3,274.37
SATARTIA38862$3,357.07
SUMMIT38863$3,305.09
PULASKI38864$3,329.46
MOSS POINT38865$3,394.09
MONTICELLO38866$3,251.39
CROWDER38868$3,329.58
WAYNESBORO38869$3,350.42
STATE LINE38870$3,287.96
PERKINSTON38871$3,412.67
DUBLIN38873$3,370.72
GAUTIER38874$3,284.95
BENTON38875$3,587.22
MONEY38876$3,343.84
SWIFTOWN38877$3,334.47
OLIVE BRANCH38878$3,246.01
NEELY38879$3,289.64
HARRISVILLE38880$3,569.73
MORGAN CITY38901$3,701.07
MIZE38913$3,442.80
PASS CHRISTIAN38914$3,357.04
VAUGHAN38915$3,366.35
GRACE38916$3,364.61
VOSSBURG38917$3,545.33
SARDIS38920$3,803.75
COMO38921$3,893.53
SLEDGE38922$3,587.49
PEARL38923$3,568.65
WALLS38924$3,628.78
BELLEFONTAINE38925$3,567.82
SOUTHAVEN38926$3,913.97
JACKSON38927$3,850.63
AVON38928$3,799.62
BILOXI38929$3,592.64
TIPPO38930$3,515.83
BILOXI38940$3,655.46
POPE38941$3,459.81
ARCOLA38943$3,619.19
LEAKESVILLE38944$3,510.10
ROBINSONVILLE38945$3,778.84
DUNDEE38946$3,774.88
TAYLORSVILLE38948$3,699.62
DIBERVILLE38949$3,474.25
LONG BEACH38950$3,646.01
STONEWALL38951$3,333.71
FLORENCE38952$3,445.67
MAGNOLIA38953$3,650.55
ANGUILLA38954$3,461.84
HOLLY BLUFF38955$3,708.50
TYLERTOWN38957$3,863.48
PAULDING38958$3,892.34
FALCON38959$3,778.81
SOUTHAVEN38960$3,934.31
COURTLAND38961$3,702.54
SHUBUTA38962$3,761.01
CRENSHAW38963$3,905.77
BATESVILLE38964$3,932.66
WALTHALL38965$3,643.19
BOGUE CHITTO38966$3,725.45
QUITMAN38967$3,462.61
BILOXI39038$3,664.36
MCCOMB39039$3,779.30
ENTERPRISE39040$3,824.41
WEBB39041$3,723.62
CLINTON39042$3,715.66
BOLTON39044$3,829.25
HORN LAKE39045$3,655.41
FLORA39046$3,659.71
PICKENS39047$3,660.84
MENDENHALL39051$3,696.62
TUNICA39054$3,657.05
LAKE CORMORANT39056$3,724.16
LEXINGTON39057$3,425.08
BRANDON39058$3,890.11
HEIDELBERG39059$3,917.41
PACHUTA39061$3,826.84
GOODMAN39062$3,934.82
GREENVILLE39063$3,689.07
EDWARDS39066$3,710.36
SLATE SPRING39067$3,533.98
RICHLAND39069$4,107.16
PINEY WOODS39071$3,722.60
TILLATOBA39073$3,750.39
RUTH39074$3,621.23
GRENADA39077$3,988.22
OAKLAND39078$3,854.09
MC LAIN39079$3,713.87
NESBIT39080$3,899.88
GREENVILLE39082$3,775.82
CARTHAGE39083$3,990.92
FLOWOOD39086$4,323.64
SANDERSVILLE39088$3,744.73
EASTABUCHIE39090$3,555.26
WAYSIDE39092$3,600.62
DURANT39094$3,674.46
HERNANDO39095$3,716.05
WIGGINS39096$4,250.87
RIDGELAND39097$3,675.04
OVETT39098$3,637.11
BROOKHAVEN39107$3,515.10
MAGEE39108$3,579.90
SILVER CITY39109$3,624.08
LOUISE39110$3,585.80
CLARA39111$3,675.57
LENA39113$3,577.34
TCHULA39114$3,719.91
BELZONI39115$3,887.65
HOLLANDALE39116$3,774.16
CHATHAM39117$3,803.32
BRANDON39119$3,855.45
CANTON39120$4,189.65
LELAND39140$3,841.08
CARY39144$4,185.94
HOLCOMB39145$3,625.04
CAMDEN39146$3,721.72
STONEVILLE39148$3,702.55
SARAH39149$3,818.60
GLEN ALLAN39150$4,242.24
SCOBEY39151$3,904.26
ALLIGATOR39152$3,790.79
PHILIPP39153$3,803.11
WATER VALLEY39154$3,901.26
WEST39156$3,588.08
LAMAR39157$3,679.51
BROOKLYN39159$3,636.31
VICKSBURG39160$3,524.48
DUNCAN39161$3,572.20
LUDLOW39162$3,792.33
ROLLING FORK39165$3,901.71
MOUND BAYOU39166$3,675.49
CRUGER39167$3,624.79
PELAHATCHIE39168$3,753.10
STAR39169$3,672.14
MADDEN39170$3,909.79
SENATOBIA39171$3,621.20
COLDWATER39173$4,112.92
FOREST39174$4,138.74
THOMASTOWN39175$4,053.43
ISOLA39176$3,449.52
MC CARLEY39177$3,598.46
CLEVELAND39179$3,773.12
INDEPENDENCE39180$3,638.12
SEBASTOPOL39183$3,612.05
SHELBY39189$3,580.07
MICHIGAN CITY39190$4,157.25
ARKABUTLA39191$3,894.35
VICKSBURG39192$3,639.14
MOSS39193$3,994.81
ARTESIA39194$3,796.49
LAKE39201$3,834.60
UNIVERSITY39202$3,943.82
VALLEY PARK39203$3,932.74
PETAL39204$3,996.62
MONTPELIER39206$3,878.24
ROSE HILL39208$3,766.27
GORE SPRINGS39209$3,962.53
ELLISVILLE39210$4,105.52
MERIDIAN39211$3,763.62
MOSELLE39212$3,984.87
REDWOOD39213$3,953.96
COFFEEVILLE39216$3,917.37
TREBLOC39217$3,953.54
MADISON39218$3,702.94
MAYHEW39232$3,694.35
BYHALIA39269$3,895.61
LAUREL39272$3,928.45
DE KALB39301$3,590.48
WALNUT GROVE39305$3,408.00
MC COOL39307$3,469.69
MAYERSVILLE39320$3,435.11
PORTERVILLE39322$3,799.94
HATTIESBURG39323$3,452.16
SANDHILL39324$3,675.00
SCOOBA39325$3,391.49
HATTIESBURG39326$3,433.51
WHEELER39327$3,422.39
HATTIESBURG39328$3,581.19
COILA39330$3,725.47
ASHLAND39332$3,483.53
DUCK HILL39335$3,428.04
BENOIT39336$3,406.58
PRESTON39337$3,471.13
HOLLY SPRINGS39338$3,551.31
TULA39339$3,545.05
GUNNISON39341$3,535.00
LAUREL39342$3,563.25
MARION39345$3,441.63
RED BANKS39346$3,531.74
DREW39347$3,715.17
KOSCIUSKO39348$3,740.64
VICTORIA39350$3,433.57
BEULAH39352$3,577.24
LOUIN39354$3,566.10
BAY SPRINGS39355$3,728.41
STRINGER39356$3,594.35
TOOMSUBA39358$3,571.39
SOSO39359$3,618.76
CLEVELAND39360$3,735.32
OXFORD39361$3,523.19
CARROLLTON39362$3,783.41
LOUISVILLE39363$3,751.02
MERIGOLD39364$3,550.22
MACON39365$3,414.63
ETHEL39366$3,770.60
WEIR39367$3,785.18
NOXAPATER39401$3,576.03
MOUNT PLEASANT39402$3,570.70
STEWART39406$3,569.43
ABBEVILLE39421$3,944.37
TAYLOR39422$3,551.23
ROSEDALE39423$3,842.30
BOYLE39425$3,638.61
SALLIS39426$3,984.17
SHUQUALAK39427$4,005.18
WATERFORD39428$3,874.34
GREENWOOD39429$3,946.60
POTTS CAMP39436$3,690.06
MC ADAMS39437$3,591.52
DODDSVILLE39439$3,715.21
HICKORY FLAT39440$3,563.50
SUNFLOWER39443$3,584.35
RULEVILLE39451$3,753.90
MINTER CITY39452$3,870.67
ACKERMAN39455$3,807.38
SHAW39456$3,698.94
BROOKSVILLE39457$3,804.09
ALGOMA39459$3,588.62
KILMICHAEL39460$3,610.80
FRENCH CAMP39461$3,776.69
FALKNER39462$3,930.59
MOORHEAD39464$3,679.49
HICKORY39465$3,595.96
EUPORA39466$3,932.75
INVERNESS39470$3,906.10
PARIS39474$4,013.94
LITTLE ROCK39475$3,806.35
MERIDIAN39476$3,858.15
INDIANOLA39477$3,690.13
WINONA39478$3,912.19
SIDON39479$3,906.08
ITTA BENA39480$3,547.87
CHUNKY39481$3,550.30
VAIDEN39482$3,875.20
SCHLATER39483$3,987.89
WALNUT39501$3,803.48
BANNER39503$3,806.41
NEWTON39507$3,826.06
IUKA39520$3,866.44
BURNSVILLE39525$3,845.45
BAILEY39530$3,805.23
PHILADELPHIA39531$3,761.10
DALEVILLE39532$3,759.95
TIPLERSVILLE39534$3,726.87
RIPLEY39540$3,752.09
LAUDERDALE39553$3,780.36
MANTEE39555$4,024.29
CONEHATTA39556$3,979.89
MATHISTON39558$4,129.33
DECATUR39560$3,752.02
DENNIS39561$3,799.93
BELMONT39562$3,845.78
UNION39563$3,790.24
THAXTON39564$3,887.70
BLUE MOUNTAIN39565$3,811.40
MERIDIAN39567$3,796.13
LAWRENCE39571$3,773.31
RIENZI39572$3,857.61
GOLDEN39573$3,782.76
COLLINSVILLE39574$3,838.19
HAMILTON39576$3,878.23
CORINTH39577$3,682.18
GLEN39581$3,799.78
MYRTLE39601$3,677.90
DUMAS39629$3,728.91
TISHOMINGO39630$3,878.24
GATTMAN39631$4,006.38
BRUCE39632$4,041.93
CALHOUN CITY39633$4,144.61
PLANTERSVILLE39635$4,170.57
BIG CREEK39638$3,984.59
ETTA39641$3,823.17
SHERMAN39643$3,956.73
BOONEVILLE39645$3,932.21
TREMONT39647$3,921.02
MANTACHIE39648$3,726.10
VAN VLEET39652$3,749.56
PITTSBORO39653$3,896.44
SHANNON39654$3,788.18
RANDOLPH39656$3,814.87
FULTON39657$3,798.18
BECKER39661$3,941.64
PONTOTOC39662$3,702.34
BLUE SPRINGS39663$3,955.17
NEW SITE39664$3,894.09
VERONA39665$3,853.84
NETTLETON39666$3,791.10
GREENWOOD SPRINGS39667$3,741.79
SMITHVILLE39668$4,050.99
MOOREVILLE39669$4,149.93
NEW ALBANY39701$3,158.94
TOCCOPOLA39702$3,243.42
HOULKA39705$3,257.98
CALEDONIA39710$3,246.30
HOUSTON39730$3,269.64
OKOLONA39735$3,507.47
PRAIRIE39736$3,605.47
MARIETTA39737$3,764.74
BELDEN39739$3,505.06
ABERDEEN39740$3,283.58
ECRU39741$3,231.09
PHEBA39743$3,180.23
TUPELO39744$3,482.78
COLUMBUS39745$3,491.89
AMORY39746$3,383.81
SALTILLO39747$3,501.38
WEST POINT39750$3,228.95
BALDWYN39751$3,427.87
COLUMBUS39752$3,422.43
VARDAMAN39753$3,585.73
COLUMBUS39754$3,594.89
TUPELO39755$3,261.14
GUNTOWN39756$3,274.33
CEDARBLUFF39759$3,077.33
MABEN39766$3,208.63
WOODLAND39767$3,530.20
STEENS39769$3,196.85
STURGIS39771$3,729.29
CRAWFORD39772$3,533.04
COLUMBUS39773$3,249.13
STARKVILLE39776$3,220.89

As you can see, drivers operating out of Woodville are charged significantly more for their car insurance than those based in Hermanville. Where does your zip code rank?

– Highest and Lowest Insurance Rates by City in Mississippi

You can even look into the way that the city you live in impacts the cost of your car insurance. Take a look at the listings below:

CityAverage Grand Total
STARKVILLE$3,077.33
CRAWFORD$3,180.23
STURGIS$3,196.85
STEENS$3,208.63
WOODLAND$3,220.89
COLUMBUS$3,226.66
MABEN$3,228.95
CEDARBLUFF$3,231.09
GUNTOWN$3,237.09
VARDAMAN$3,246.00
BALDWYN$3,247.35
TUPELO$3,248.83
WEST POINT$3,249.13
SALTILLO$3,251.39
AMORY$3,253.21
PHEBA$3,261.14
ECRU$3,265.32
ABERDEEN$3,269.64
BELDEN$3,272.51
MARIETTA$3,274.20
PRAIRIE$3,274.33
OKOLONA$3,274.37
HOUSTON$3,277.09
CALEDONIA$3,283.58
HOULKA$3,284.84
TOCCOPOLA$3,284.95
NEW ALBANY$3,284.97
MOOREVILLE$3,287.84
SMITHVILLE$3,287.96
GREENWOOD SPRINGS$3,288.03
NETTLETON$3,288.88
VERONA$3,289.64
NEW SITE$3,293.38
BLUE SPRINGS$3,293.99
PONTOTOC$3,305.09
BECKER$3,314.90
FULTON$3,318.23
RANDOLPH$3,329.46
SHANNON$3,329.58
PITTSBORO$3,333.71
VAN VLEET$3,334.46
MANTACHIE$3,336.26
TREMONT$3,343.84
BOONEVILLE$3,346.49
SHERMAN$3,350.42
ETTA$3,353.55
BIG CREEK$3,357.03
PLANTERSVILLE$3,357.07
CALHOUN CITY$3,364.61
BRUCE$3,366.35
GATTMAN$3,369.73
TISHOMINGO$3,370.72
DUMAS$3,374.28
MYRTLE$3,381.54
GLEN$3,382.11
CORINTH$3,383.63
HAMILTON$3,383.81
COLLINSVILLE$3,391.50
GOLDEN$3,392.76
RIENZI$3,394.09
LAWRENCE$3,406.58
BLUE MOUNTAIN$3,410.42
THAXTON$3,412.67
UNION$3,414.64
BELMONT$3,415.14
DENNIS$3,419.25
DECATUR$3,422.39
MATHISTON$3,422.43
CONEHATTA$3,425.08
MANTEE$3,427.87
LAUDERDALE$3,428.04
RIPLEY$3,430.33
TIPLERSVILLE$3,432.60
DALEVILLE$3,433.51
PHILADELPHIA$3,433.57
BAILEY$3,435.11
BURNSVILLE$3,435.53
IUKA$3,441.34
NEWTON$3,441.63
BANNER$3,442.80
WALNUT$3,443.86
SCHLATER$3,445.67
VAIDEN$3,449.52
CHUNKY$3,452.16
ITTA BENA$3,459.81
SIDON$3,461.84
WINONA$3,462.61
INDIANOLA$3,465.74
LITTLE ROCK$3,471.13
PARIS$3,474.25
INVERNESS$3,479.37
EUPORA$3,482.78
HICKORY$3,483.53
MOORHEAD$3,488.52
FALKNER$3,489.03
MERIDIAN$3,489.39
FRENCH CAMP$3,491.89
KILMICHAEL$3,501.38
ALGOMA$3,502.51
BROOKSVILLE$3,505.06
SHAW$3,507.10
ACKERMAN$3,507.47
MINTER CITY$3,510.10
RULEVILLE$3,511.46
SUNFLOWER$3,512.44
HICKORY FLAT$3,512.62
DODDSVILLE$3,514.71
MC ADAMS$3,515.10
POTTS CAMP$3,515.40
GREENWOOD$3,515.83
WATERFORD$3,521.01
SHUQUALAK$3,523.19
SALLIS$3,524.48
BOYLE$3,526.44
ROSEDALE$3,528.71
TAYLOR$3,529.00
ABBEVILLE$3,529.60
STEWART$3,530.20
MOUNT PLEASANT$3,531.38
NOXAPATER$3,531.74
WEIR$3,533.03
ETHEL$3,533.98
MACON$3,535.00
MERIGOLD$3,536.26
LOUISVILLE$3,545.05
CARROLLTON$3,545.32
OXFORD$3,546.16
SOSO$3,547.87
TOOMSUBA$3,550.22
STRINGER$3,550.30
BAY SPRINGS$3,551.23
LOUIN$3,551.31
BEULAH$3,553.33
VICTORIA$3,554.17
KOSCIUSKO$3,555.26
DREW$3,557.39
RED BANKS$3,563.18
MARION$3,563.25
GUNNISON$3,565.13
TULA$3,565.33
HOLLY SPRINGS$3,565.45
PRESTON$3,566.09
BENOIT$3,567.45
DUCK HILL$3,567.82
ASHLAND$3,568.33
COILA$3,568.65
WHEELER$3,569.73
SCOOBA$3,571.39
HATTIESBURG$3,572.05
SANDHILL$3,572.20
LAUREL$3,573.93
PORTERVILLE$3,577.24
MAYERSVILLE$3,577.34
MC COOL$3,579.90
WALNUT GROVE$3,580.07
DE KALB$3,581.18
CLEVELAND$3,583.11
BYHALIA$3,585.69
MAYHEW$3,585.73
MADISON$3,585.80
TREBLOC$3,587.22
COFFEEVILLE$3,587.49
REDWOOD$3,588.08
MOSELLE$3,588.62
ELLISVILLE$3,591.52
GORE SPRINGS$3,592.64
ROSE HILL$3,594.35
MONTPELIER$3,594.89
PETAL$3,595.96
VALLEY PARK$3,598.46
UNIVERSITY$3,600.13
LAKE$3,600.62
ARTESIA$3,605.47
MOSS$3,610.80
ARKABUTLA$3,613.97
MICHIGAN CITY$3,614.30
SHELBY$3,614.79
SEBASTOPOL$3,618.77
INDEPENDENCE$3,619.00
MC CARLEY$3,619.19
ISOLA$3,620.77
THOMASTOWN$3,621.20
COLDWATER$3,621.23
FOREST$3,621.23
SENATOBIA$3,622.60
MADDEN$3,624.08
STAR$3,624.79
PELAHATCHIE$3,625.04
VICKSBURG$3,625.09
CRUGER$3,628.78
MOUND BAYOU$3,632.23
ROLLING FORK$3,636.31
LUDLOW$3,637.11
DUNCAN$3,637.80
BROOKLYN$3,638.61
LAMAR$3,638.78
WEST$3,639.14
WATER VALLEY$3,643.19
PHILIPP$3,646.02
ALLIGATOR$3,649.03
SCOBEY$3,650.55
GLEN ALLAN$3,651.42
SARAH$3,651.72
STONEVILLE$3,653.82
CAMDEN$3,655.41
HOLCOMB$3,655.46
CARY$3,657.05
LELAND$3,658.99
CANTON$3,659.71
CHATHAM$3,661.77
HOLLANDALE$3,662.26
BELZONI$3,664.36
TCHULA$3,672.14
LENA$3,674.46
CLARA$3,675.01
LOUISE$3,675.04
SILVER CITY$3,675.49
MAGEE$3,675.57
BROOKHAVEN$3,677.90
OVETT$3,679.49
RIDGELAND$3,679.51
WIGGINS$3,682.18
HERNANDO$3,682.39
BRANDON$3,688.25
DURANT$3,689.07
WAYSIDE$3,689.71
EASTABUCHIE$3,690.06
SANDERSVILLE$3,690.13
FLOWOOD$3,694.35
CARTHAGE$3,696.62
NESBIT$3,698.93
MC LAIN$3,698.94
OAKLAND$3,699.62
GRENADA$3,701.07
RUTH$3,702.34
TILLATOBA$3,702.54
PINEY WOODS$3,702.55
RICHLAND$3,702.94
GREENVILLE$3,704.98
SLATE SPRING$3,708.50
EDWARDS$3,710.36
GOODMAN$3,713.87
PACHUTA$3,715.17
HEIDELBERG$3,715.21
LEXINGTON$3,716.05
LAKE CORMORANT$3,719.02
TUNICA$3,719.33
MENDENHALL$3,719.91
PICKENS$3,721.72
FLORA$3,722.60
HORN LAKE$3,723.28
BOLTON$3,723.62
WEBB$3,725.45
ENTERPRISE$3,725.47
MCCOMB$3,726.10
QUITMAN$3,728.41
BOGUE CHITTO$3,728.91
WALTHALL$3,729.29
BATESVILLE$3,732.00
CRENSHAW$3,733.97
SHUBUTA$3,735.32
COURTLAND$3,735.77
FALCON$3,738.19
PAULDING$3,740.64
TYLERTOWN$3,741.79
HOLLY BLUFF$3,744.73
ANGUILLA$3,746.71
MAGNOLIA$3,749.56
FLORENCE$3,750.39
SOUTHAVEN$3,750.82
STONEWALL$3,751.02
LONG BEACH$3,752.02
DIBERVILLE$3,752.08
TAYLORSVILLE$3,753.10
DUNDEE$3,753.83
ROBINSONVILLE$3,753.89
LEAKESVILLE$3,753.90
ARCOLA$3,756.01
POPE$3,759.59
TIPPO$3,761.01
BILOXI$3,763.29
AVON$3,763.33
BELLEFONTAINE$3,764.74
WALLS$3,765.54
PEARL$3,766.27
SLEDGE$3,766.40
COMO$3,766.41
SARDIS$3,770.51
VOSSBURG$3,770.60
GRACE$3,773.09
VAUGHAN$3,773.12
PASS CHRISTIAN$3,773.31
MIZE$3,774.16
MORGAN CITY$3,774.88
HARRISVILLE$3,775.83
NEELY$3,776.69
OLIVE BRANCH$3,777.42
SWIFTOWN$3,778.81
MONEY$3,778.84
BENTON$3,779.30
GAUTIER$3,780.36
DUBLIN$3,780.58
PERKINSTON$3,782.76
STATE LINE$3,783.41
WAYNESBORO$3,785.18
CROWDER$3,786.36
MONTICELLO$3,788.18
PULASKI$3,790.79
SUMMIT$3,791.10
SATARTIA$3,792.33
YAZOO CITY$3,796.49
PASCAGOULA$3,797.96
OSYKA$3,798.18
GLENDORA$3,799.62
MC HENRY$3,799.92
BUCKATUNNA$3,799.94
RALEIGH$3,803.11
MORTON$3,803.32
CASCILLA$3,803.75
MC NEILL$3,804.09
PURVIS$3,806.35
CLINTON$3,807.14
LUMBERTON$3,807.38
BELEN$3,808.67
LULA$3,811.03
VANCLEAVE$3,811.40
JONESTOWN$3,811.84
GULFPORT$3,811.98
PARCHMAN$3,812.76
OAK VALE$3,814.87
MOSS POINT$3,818.01
PINOLA$3,818.60
JAYESS$3,823.17
BENTONIA$3,824.40
DELTA CITY$3,826.84
BRAXTON$3,829.25
SCOTT$3,834.98
MARKS$3,837.93
SAUCIER$3,838.19
SHERARD$3,838.40
NEWHEBRON$3,841.07
BEAUMONT$3,842.30
DIAMONDHEAD$3,845.45
ENID$3,850.63
SONTAG$3,853.84
GEORGETOWN$3,854.09
MOUNT OLIVE$3,855.45
PEARLINGTON$3,857.61
RICHTON$3,858.15
METCALFE$3,858.94
SUMNER$3,863.48
BAY SAINT LOUIS$3,866.44
LAMBERT$3,868.11
LUCEDALE$3,870.67
COLLINS$3,874.33
SUMRALL$3,875.20
WINSTONVILLE$3,877.63
WAVELAND$3,878.23
BUDE$3,878.24
MIDNIGHT$3,887.65
OCEAN SPRINGS$3,887.70
PACE$3,887.91
FRIARS POINT$3,890.85
SWAN LAKE$3,892.34
CHARLESTON$3,893.53
SMITHDALE$3,894.09
WESSON$3,894.35
MEADVILLE$3,896.44
HARPERVILLE$3,899.88
RAYMOND$3,901.26
SIBLEY$3,901.71
PUCKETT$3,904.26
WINTERVILLE$3,905.29
TUTWILER$3,905.77
SEMINARY$3,906.08
POPLARVILLE$3,906.10
COAHOMA$3,907.93
TERRY$3,909.79
CLARKSDALE$3,910.45
SANDY HOOK$3,912.19
ELLIOTT$3,913.97
CRYSTAL SPRINGS$3,917.42
LYON$3,917.55
MC CALL CREEK$3,921.02
BYRAM$3,928.45
NEW AUGUSTA$3,930.59
LIBERTY$3,932.21
JACKSON$3,932.54
VANCE$3,932.66
PICAYUNE$3,932.75
TIE PLANT$3,934.31
D LO$3,934.83
ROXIE$3,941.64
BASSFIELD$3,944.37
COLUMBIA$3,946.60
RENA LARA$3,953.83
SILVER CREEK$3,955.17
KOKOMO$3,956.73
KILN$3,979.89
CARRIERE$3,984.17
GLOSTER$3,984.59
FOXWORTH$3,987.89
GALLMAN$3,988.22
PANTHER BURN$3,988.98
DARLING$3,989.17
HAZLEHURST$3,990.92
FARRELL$3,994.56
WHITFIELD$3,994.81
CARSON$4,005.18
CENTREVILLE$4,006.38
ROME$4,009.06
PRENTISS$4,013.94
HURLEY$4,024.29
CHATAWA$4,041.93
UNION CHURCH$4,050.99
UTICA$4,053.43
FAYETTE$4,107.16
TINSLEY$4,112.92
LAKESHORE$4,129.33
TOUGALOO$4,138.74
CROSBY$4,144.61
WOODVILLE$4,149.93
WASHINGTON$4,157.25
FERNWOOD$4,170.57
PATTISON$4,185.94
NATCHEZ$4,189.65
PORT GIBSON$4,242.24
LORMAN$4,250.87
HERMANVILLE$4,323.64

As you can see, there’s a fairly standard trend in car insurance costs when the numbers are compared by city. It just goes to show that a combination of different factors – some uncontrollable, like age, and some otherwise, like location – can impact the way you have to budget over the course of a year.

Mississippi Car Insurance Companies

It won’t surprise you to learn that when it comes to car insurance, you have options. There are dozens upon dozens of car insurance providers across the country, not to mention in Mississippi.

The great thing about that variety is that you have plenty of options to choose from when it comes to determining who you want to cover you as a driver. The bad news is that you have to sift through every car insurance provider’s website if you really want to be sure that you’re getting the best deal possible.

Don’t spend hours staring at a screen. We’ve done your research for you! Take a look at our guide to Mississippi car insurance, and you’ll be on your way to affordable coverage in no time at all.

– The Largest Companies Financial Rating

The easiest way to rate the car insurance providers in Mississippi is to take into account their AM Best Rating. An AM Best Rating helps you determine a car insurance provider’s financial strength. The better the rating, the more financially secure the company in question is.

Take a look at the table below, and you’ll see what we mean. You’ll also note that a number of companies in the state of Mississippi have A+++ ratings. What do those three extra plus signs mean? Every plus sign on an AM Best Rating indicates additional financial security.

Company NameAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$483,06461.62%25.72%
Southern Farm Bureau Casualty GroupA+$223,02369.60%11.87%
Progressive GroupA+$192,01265.31%10.22%
Allstate Insurance GroupA+$155,14750.96%8.26%
GEICOA++$117,89070.29%6.28%
Liberty Mutual GroupA$117,42568.86%6.25%
Nationwide Corp GroupA+$108,23360.37%5.76%
USAA GroupA++$95,80278.03%5.10%
Alfa Insurance GroupA$70,84164.72%3.77%
Shelter Insurance GroupA$59,84468.58%3.19%
State Total$1,878,25464.24%100.00%

The AM Best Rating is most dramatically impacted by a company’s loss ratio. When you’re looking into a car insurance provider, you’ll find companies with high loss ratios and companies with lower ones.

  • A high loss ratio indicates that a company is willing to pay out on more claims than others. This means that you’ll be covered in case of an accident but also that the company in question may be a little less financially stable than its competitors.
  • Comparatively, a company with a low loss ratio is fairly financially stable. However, these companies are also less likely to pay out on your claim, meaning that you’ll be less likely to be completely covered in case of an accident.

We recommend looking for a company with a loss ratio somewhere in between these two extremes.

J.D. Power Satisfaction - SouthEast Region

– Companies with Most Complaints in Mississippi 

On a more subjective level, we’ve also taken note of the car insurance providers that have garnered the most client complaints. Complaints, of course, are personal. Still, the more complaints a company gets, the more you can learn about their HR departments and the services that they may be slacking on.

Car Insurance CompanyNumber of ComplaintsComplaint Index
Safeco00.00
Shelter00.00
Safeway00.00
State Auto00.00
21st Century00.00
United Automobile00.00
Alfa20.23
Mississippi Farm Bureau90.29
MetLife20.51
Allstate110.53
State Farm440.67
Nationwide100.70
Dairyland10.70
Hartford20.76
AAA10.85
GEICO130.90
USAA110.97
GuideOne Insurance21.08
Esurance21.11
Travelers31.22
Progressive231.23
ANPAC11.33
Victoria Insurance11.48
USA Insurance31.83
Inverness Partners22.20
Liberty Mutual52.22
Mendakota Insurance22.36
Farmers52.43
National General45.06
Direct General215.63
ACCC Insurance Company219.79
Unique Insurance917.93

– Mississippi Car Insurance Rates by Company

You’ll also note that insurance rates naturally vary by company. Check out the table below for a basic state overview.

CompanyAverageCompared to State Average Percentage Compared to State Average
Allstate P&C$4,941.34$1,276.5325.83%
GEICO General$4,086.36$421.5410.32%
SAFECO Ins Co of IL$4,455.56$790.7417.75%
Nationwide P&C$2,756.17-$908.64-32.97%
Progressive Gulf Ins$4,312.60$647.7815.02%
State Farm Mutual Auto$2,980.08-$684.74-22.98%
Travelers Home & Marine Ins Co$3,730.17$65.351.75%
USAA$2,056.25-$1,608.56-78.23%

You’ll note that a number of providers in the state of Mississippi have rates that contest strongly with the state average of $3,664.82.

– Commute Rates by Company

Some insurance providers will also charge you more for your coverage if you note that your work commute is longer than 10 miles.

CompanyCommute and Annual MileageAnnual Average
Liberty Mutual25 miles commute. 12000 annual mileage.$13,847.08
Liberty Mutual10 miles commute. 6000 annual mileage.$13,055.12
MS25 miles commute. 12000 annual mileage.$3,683.20
MS10 miles commute. 6000 annual mileage.$3,646.43
Nationwide10 miles commute. 6000 annual mileage.$2,926.49
Nationwide25 miles commute. 12000 annual mileage.$2,926.49
USAA25 miles commute. 12000 annual mileage.$2,899.06
USAA10 miles commute. 6000 annual mileage.$2,824.14
State Farm25 miles commute. 12000 annual mileage.$2,122.82
State Farm10 miles commute. 6000 annual mileage.$2,011.15

As you may have guessed, drivers with longer commutes are likely to pay more for their car insurance coverage than those drivers with short commutes.

– Coverage Level Rates by Company

If you’re looking to save money, you may think that going with a company’s lowest rate of coverage will be good for your pocketbook. This isn’t always the case, though. Purchasing better coverage means that you’ll be more secure in case of an accident, whereas relying on a company’s minimum coverage could result in you having to pay for property damage or personal injury out of pocket.

CompanyAverageCompared to State Average Percentage Compared to State Average
Allstate P&C$4,941.34$1,276.5325.83%
GEICO General$4,086.36$421.5410.32%
SAFECO Ins Co of IL$4,455.56$790.7417.75%
Nationwide P&C$2,756.17-$908.64-32.97%
Progressive Gulf Ins$4,312.60$647.7815.02%
State Farm Mutual Auto$2,980.08-$684.74-22.98%
Travelers Home & Marine Ins Co$3,730.17$65.351.75%
USAA$2,056.25-$1,608.56-78.23%

As you can see, the rates between low, medium, and high insurance policy rates don’t always vary that much. A few extra hundreds spent on your insurance could be the difference between total accident coverage and a dwindling bank account.

– Credit History Rates by Company

As you may have guessed, you’ll likely get a better car insurance rate if your credit is good. This isn’t to say that credit is the end all, be all of car insurance rates, but it certainly contributes to the rate that you’re likely to be offered by a provider.

CompanyCredit HistoryAnnual Average
Liberty MutualPoor$14,094.18
Liberty MutualFair$9,029.73
Liberty MutualGood$7,062.75
GEICOPoor$6,161.23
AllstatePoor$5,721.87
AllstateFair$5,065.11
ProgressivePoor$4,891.94
TravelersPoor$4,233.92
ProgressiveFair$4,170.46
AllstateGood$4,037.04
USAAPoor$3,914.74
ProgressiveGood$3,875.40
TravelersGood$3,502.98
GEICOFair$3,490.89
TravelersFair$3,453.60
State FarmPoor$3,451.55
NationwidePoor$3,397.54
NationwideFair$2,747.94
GEICOGood$2,606.95
NationwideGood$2,459.66
State FarmFair$2,102.98
USAAFair$2,069.13
USAAGood$1,776.60
State FarmGood$1,581.04

The average credit score in Mississippi is 647.

Mississippi’s average credit score is, in fact, about 28 points lower than the national average, making Mississippi one of the top 10 states in the union for low credit scores.

– Driving Record Rates by Company

Your driving record will likely have the greatest impact on the rate that a car insurance provider is able to offer you. Consider the following:

CompanyDriving RecordAnnual Average
AllstateWith 1 DUI$5,956.24
GEICOWith 1 DUI$5,869.23
Liberty MutualWith 1 DUI$5,170.33
Liberty MutualWith 1 accident$5,046.99
ProgressiveWith 1 accident$4,952.25
AllstateWith 1 accident$4,912.99
AllstateWith 1 speeding violation$4,726.86
TravelersWith 1 DUI$4,688.01
Liberty MutualWith 1 speeding violation$4,442.21
ProgressiveWith 1 speeding violation$4,338.27
ProgressiveWith 1 DUI$4,267.10
AllstateClean record$4,169.28
GEICOWith 1 speeding violation$4,078.45
GEICOWith 1 accident$3,856.26
ProgressiveClean record$3,692.78
NationwideWith 1 DUI$3,574.60
TravelersWith 1 speeding violation$3,558.80
TravelersWith 1 accident$3,413.50
State FarmWith 1 accident$3,312.87
TravelersClean record$3,260.37
Liberty MutualClean record$3,162.70
State FarmWith 1 DUI$2,949.82
State FarmWith 1 speeding violation$2,949.82
NationwideWith 1 accident$2,809.29
USAAWith 1 DUI$2,783.92
State FarmClean record$2,707.79
GEICOClean record$2,541.48
NationwideWith 1 speeding violation$2,438.23
NationwideClean record$2,202.58
USAAWith 1 accident$2,050.45
USAAWith 1 speeding violation$1,785.46
USAAClean record$1,605.19

As you can see, certain accidents or violations have more financial consequences than others. A DUI with Liberty Mutual, for example, costs you less than a DUI with GEICO.

– Number of Insurers by State

Domestic insurance coverage and foreign insurance coverage are both more complicated and less complicated than you might expect. Consider the chart below:

Number of Licensed Insurers in MississippiNumber
Domestic15
Foreign907
Total Number of Licensed Insurers922

Now, any car insurance procured in Mississippi is considered to be “domestic” insurance. Comparatively, insurance gained in any other of the 50 states in the United States is considered “foreign.” It’s a little different than what you might expect, isn’t it?

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Mississippi Laws and Legalities

Staying on top of driving laws can be difficult from state to state. If you do your research, though, and keep your knowledge of different street-side legalities up to date, you’ll be more likely to remain a safe driver over the course of your adult life.

What, then, are the driving laws in Mississippi? Take a look at our comprehensive guide to the laws that Mississippi drivers have to follow in order to avoid an undeserved fine and unnecessary stress.

– Car Insurance Laws

We’ve already touched on Mississippi’s insurance requirements. Minimum liability coverage is a must for Mississippi drivers. Mississippi minimum liability insurance coverage is divided at a 25/50/25 ratio, according to the state’s insurance department. That ratio breaks down as follows:

  • 25 – you’ll need $25,000 of coverage in order to attend to the injuries of a single person
  • 50 – you’ll need $50,000 of coverage in order to cover the injuries of more than one person
  • 25 – you’ll need $25,000 of coverage in order to pay for the replacement of any property that might be damaged during an accident.

– High-Risk Insurance

High-risk drivers in Mississippi are drivers who have driving records that aren’t especially glowing. If you’re a high-risk driver, then you might have a bit of trouble finding a provider who is willing to cover you.

What factors contribute to someone being listed as a high-risk driver? They include:

  • DUI or DWI conviction
  • A reported traffic violation that resulted in serious injury of another person
  • Driving without insurance or proof of insurance
  • Owning a sports car or other vehicle that could be considered “high-risk”
  • Driving at 70 years of age or older

If you can’t find a provider who is willing to cover you due to your driving record, then you may qualify for coverage through the Mississippi Automobile Insurance Plan, or MSAIP.

In order to apply and qualify for this coverage, you’ll need:

  • A valid Mississippi’s driver’s license
  • An up-to-date car registration from a Mississippi DMV

– Low-Cost Insurance

Even though MSAIP is offered through the state of Mississippi as coverage for high-risk drivers, the state itself does not offer any government-sponsored insurance for drivers who have low incomes.

If you live in a low-income household, there are still ways that you can better afford car insurance in the state of Mississippi. These include:

  • Accident-free Insurance Discounts
  • Affiliation/Preferred Employer Discount
  • Anti-Theft Discount
  • Auto-Pay Discount
  • Good Student Discount (for younger drivers only)
  • Homeowner Discount
  • Multi-Car Coverage Discount
  • Green/Hybrid Discount

– Windshield Coverage

If your windshield gets cracked for any reason – a falling tree branch, unseasonably cold weather, or otherwise – you’re stuck with the unfortunate reality of replacing your windshield in order to drive effectively and safely.

Mississippi, however, has no laws in place that require your insurance provider or any insurance providers in the state to cover the parts or time needed to have your windshield replaced professionally.

Just because the state doesn’t take windshield coverage into consideration, though, doesn’t mean that comprehensive coverage plans or various insurance providers won’t have windshield coverage available as an add-on. You’ll need to talk to your provider and see if any additions of the like are available to you.

– Automobile Insurance Fraud in Mississippi

Insurance fraud is something of a tricky topic. The good news is that automobile insurance fraud is not fraud that can be committed unintentionally. Automobile insurance fraud, rather, requires intention.

In Mississippi, auto insurance fraud consists of:

  • Intentionally faking an accident
  • Placing a false insurance claim
  • Padding your insurance claim

The consequences of auto insurance fraud include considerable fines, jail time, and community service as deemed appropriate by a representative of Mississippi’s fraud bureau and a judge.

– Statute of Limitations

Every state in the nation makes use of a statute of limitations when it comes to car accidents. But what is the statute of limitations, exactly?

After you’ve been in an accident, and regardless whether or not you caused the accident or were on the receiving end, you’ll have a limited amount of time to submit a claim to your provider.

In Mississippi, you have three years to submit an insurance claim noting personal injury or property damage as the result of an automobile accident.

– Lemon Laws

One of the more state-specific laws in Mississippi is its “lemon” law. More officially known as the “Motor Vehicle Warranty Enforcement Act,” “lemon” caught on as the more colloquial way to refer to this piece of legislation. What does “lemon” refer to? Not the fruit, that’s for sure.

A vehicle is known as a “lemon” vehicle if it’s spent most of its existence in an auto shop.

If you buy your new car from a repair shop, then, you’ll have a few state laws in place protecting your purchase.

  • You’ll know that your car is a “lemon” car if any of the following apply:
  • Something is notable wrong with the vehicle at its time of purchase
  • The issue in question has to be covered by a warranty
  • No matter the repair effort, the issue is persistent

If you’ve bought a lemon vehicle, then, you have some options available to you. You can:

  • Trade the lemon car for a comparable vehicle or a vehicle of equal value
  • Accept a return and refund of the full purchasing price of the car

– Vehicle Licensing Laws

Let’s say you’re a driver who wants to take the risk of driving without insurance, even Mississippi’s state minimum. If that’s the case and you get caught, you can incur some significant penalties.

For first time offenders in Mississippi, driving without insurance will result in a $1,000 fine and the suspension of your driving privilege until you can show proof of insurance or until a year has passed.

We’ve touched on different acceptable forms that can serve as proof of insurance, but once again, they include:

  • Insurance ID Card
  • Your Insurance Policy’s Certificate
  • A Certificate of Deposit which indicates that you’ve paid your insurance dues to the Mississippi State Treasurer
  • Proof of a bond

– Penalties for Driving Without Insurance

You may also have to file for an SR-22, or “proof of financial responsibility.” This certification verifies to the state that the insurance company that will serve as your new provider will cover you for the state minimum liability for a set period of time after your encounter with an officer on the road.

Note: an SR-22 does not count as insurance. However, it can make sure that your driver’s license doesn’t get revoked, should you be caught driving without proof of insurance.

– Teen Driver Laws

It’s always exciting – and a little nerve-wracking – when a teenager gets her license. In Mississippi, as in many other states, teenagers can apply for a learner’s permit at the age of 16. The requirements for obtaining a learners permit and eventual full license are listed in the chart below.

Restrictions for Restricted Licenses in MississippiTime
Nighttime Restrictions10 p.m.-6 a.m. Sun.-Thur., 11:30 p.m.-6 a.m. Fri.-Sat.
Passenger Restrictions (excepting family members)none
Minimum age at which restrictions may be lifted:
Nighttime Restrictions6 months or age 17, whichever occurs first (min. age: 16, 6 mos.)
Passenger Restrictionsnone

It’s worth noting that drivers who are 17 years of age or older don’t have to rely on a learner’s permit but rather can move straight on to a restricted license.

Restrictions for Restricted Licenses in MississippiTime
Nighttime Restrictions10 p.m.-6 a.m. Sun.-Thur., 11:30 p.m.-6 a.m. Fri.-Sat.
Passenger Restrictions (excepting family members)none
Minimum age at which restrictions may be lifted:
Nighttime Restrictions6 months or age 17, whichever occurs first (min. age: 16, 6 mos.)
Passenger Restrictionsnone

– Older Driver License Renewal Procedures

In Mississippi, you’re required to renew your license every 4-8 years, according to the Mississippi Department of Public Safety. It’s possible for you to do so online as well as in-person at the DMV. It’s recommended that you get your eyesight checked at the same time as your license renewal, but Mississippi does not legally require you to do so.

– New Residents

If you’re just moving to Mississippi, make sure you check in with your current insurance provider to update your mailing address and additional information. Your rates will likely change as you move from state to state, and you’ll need to make sure that you comply with Mississippi’s 20/40/10 divide.

– License Renewal Procedures

Though we’ve touched on the process of renewing your license already, you can check out the following chart for all of the nitty-gritty details.

Requirements for Getting a License in Mississippi Time
Mandatory Holding Period12 months (individuals 17 years and older are exempt)
Minimum Supervised Driving Timenone
Minimum Age16 years old (individuals 17 and older are exempt from the requirement to get an intermediate license)

– Rules of the Road

Along with state-wide legislation, there are certain rules of the road in Mississippi that you’ll need to be aware of in order to be a safe driver. Keep reading in order to learn a little bit more about the different legalities that keep the Magnolia State’s roadways as safe as possible.

– Fault vs. No-Fault

“At-fault,” as a descriptor, is used to label the person who is to be considered responsible for an accident or fatality. The party who is determined to be “at-fault” at the site of an accident will be required to take responsibility for the costs of any injured parties as well as the replacement of any property damaged in the crash.

Mississippi is an at-fault state, according to Nolo.com. This means that you need to make sure you have enough insurance coverage to attend to the needs of any parties who may be injured or property that may be damaged in an accident you cause. Without the right coverage, you may be facing an empty bank account as well as your own medical or property costs.

– Keep Right and Move Over Laws

Generally speaking, drivers who are going slower than the posted speed limit are required by law to stay on the right side of the road, leaving the other lanes available for passing.

You’re also required to move to the right and slow down when you see an emergency vehicle driving your way on the road. These vehicles include:

  • Firetrucks
  • Ambulances
  • Utility Vehicles
  • Law Enforcement
  • Any driver with their hazard lights on

By moving to the side, you ensure that these emergency vehicles and other such cars can get to where they need to go unimpeded. By moving right, you may be saving someone’s life!

– Speed Limits

You might think that the speed limits in Mississippi would differ based on whether they took you through a rural area or an urban one. That doesn’t happen to be the case! Take a look at the chart below.

Mississippi Speed LimitsMPH
Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads65 mph

As you can see, you can generally expect to go 70 miles an hour if you’re on any of Mississippi’s interstates. Do note, though, that these are the state’s maximum speed limits. Don’t hesitate to slow down a little if you’re whipping through curves or in an unfamiliar area!

– Seat Belt and Car Seat Laws

Seat belts do a lot of work when it comes to saving people’s lives in car accidents. Mississippi, like a number of other states in the union, requires drivers to wear their seat belts whenever a car is in motion.

Safety Belt UseLaws
Initial Effective Date07/01/94
Primary Enforcement?yes; effective 05/27/06
Age/Seats Applicable7+ years in all seats
1st Offense - maximum base fine$25

Children, in particular, need to be treated with care in a car. These child-oriented seat belts laws are notably different than those in place for adults, but they’re no less important.

Child Seat RequirementsLaws
Must be in child safety seat3 years and younger must be in a child restraint; 4 through 6 years and either less than 57 inches or less than 65 pounds must be in a booster seat
Adult Belt Permissible6 years and younger who either weigh 65 pounds or more or who are 57 inches or taller
1st Offense Maximum Base Fine$25
Preference for Rear Seatlaw states no preference for rear seat

Passengers in the cargo area of a pickup truck are not yet subject to any of Mississippi’s seat belt laws, but use common sense and do what you can to be careful when you have passengers who aren’t strapped into their seats around.

– Ridesharing

With the rise of Lyft and Uber, car insurance providers have begun instating new policies for drivers who work through their cars.

As of this point in time, State Farm is the only car insurance provider in the state of Mississippi to offer ridesharing coverage to drivers.

If you’re interested in using your car to make a quick buck, then, talk to your employer about company coverage. Otherwise, you’ll need to do a bit of hunting to make sure that your car insurance policy is insurer-friendly.

– Safety Laws

What about your personal safety and its impact on your insurance and driving record in Mississippi? Don’t worry – we’ve got you covered.

– DUI Laws

Drinking before driving is one of the worst decisions you can make. And yet, Mississippi saw 148 alcohol-impaired driving fatalities in 2017 alone, according to the DUI Department.

Mississippi has instated a number of DUI laws with the intent of keeping all drivers on the road as safe as possible. We’ve detailed these laws below.

Mississippi DUI LawsLimits
BAC Limit0.08
High BAC LimitN/A
Criminal Status by Offense1st-2nd misdemeanors, 3rd+ felonies with 4th automatic felony carrying 2-10 yrs. in prison
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back / Washout Period5 years

If you get caught drinking and driving more than once, you’ll find that you and your wallet alike are in for a world of hurt.

PenaltyFirst OffenseSecond OffenseThird and Subsequent Offenses
License Suspension90 days plus completion of alcohol safety program unless offender received an IID licenseOne year unless traded license for IID only licenseThree years beginning after release from incarceration followed by an IID license for three years
IncarcerationNo minimum up to 48 hours OR attend a victim impact panelFive days to one year AND 10 days to one year community serviceOne to five years
Fine$250 - $1000$600 - $15000$2000 - $5000
OtherComplete alcohol safety program within one yearN/AN/A

If you get caught driving while intoxicated for the third time, you will face felony charges, without question. Do yourself a favor, then, and go out on the town with a designated driver or stick to drinking at home. The consequences of drinking and driving aren’t worth the temporary buzz.

– Distracted Driving Laws

In a similar vein, driving with a cellphone in hand can result in a serious accident. You need to keep both eyes on the road at all times in order to ensure that you’re aware of other drivers around you.

Mississippi, with the increase of cellphone and Bluetooth popularity, has instated the following distracted driving laws.

BanDetails
Hand-held banno
Young driver cell phone banno
Texting banall drivers
Enforcementprimary

Mississippi Can’t-Miss Auto-Facts

With the legalities out of the way, we can move on to some of the have-to-know facts that permeate the roadsides of the Magnolia State. Keeping your car safe isn’t easy, wherever you live, but with these facts in your back pocket, you’ll have a better time of it in Mississippi.

– Vehicle Theft in Mississippi 

Pickup trucks are popular in the south. They are so coveted that they beat sports cars as the cars that are most frequently stolen in Mississippi!

RankMake/ModelYear of VehicleNumber of Thefts
1Chevrolet Pickup (Full Size)1994286
2Ford Pickup (Full Size)2006278
3Nissan Altima2015128
4Chevrolet Impala2006114
5GMC Pickup (Full Size)2000103
6Toyota Camry201494
7Honda Accord200791
8Dodge Pickup (Full Size)200585
9Chevrolet Malibu201573
10Chevrolet Tahoe200568

If you have a full-size pickup, do what you can to keep an eye on it. Although these cars are big, they can often disappear between one heartbeat and the next.

– Vehicle Theft by City

You can also estimate the chances of a fatality in your area based on the vehicle thefts that have taken place in each of Mississippi’s cities:

CityCity PopulationMotor Vehicle Thefts
Aberdeen5,4735
Amory7,1673
Batesville7,41715
Biloxi44,744131
Byhalia1,2701
Byram11,79516
Cleveland12,17412
Columbia6,4300
D'Iberville10,12319
Flowood8,2496
Fulton3,9841
Gautier18,53234
Greenville33,11987
Greenwood16,11216
Gulfport70,863125
Hattiesburg47,54990
Horn Lake26,67025
Iuka3,0151
Jackson176,0391054
Laurel18,91720
Long Beach15,46717
Louisville6,5000
Madison25,0442
McComb12,72635
Meridian40,748186
Ocean Springs17,47927
Olive Branch34,82736
Pascagoula22,21745
Pass Christian5,0207
Petal10,9027
Philadelphia7,4884
Picayune10,84020
Poplarville2,8161
Ridgeland24,31915
Southaven50,80156
Starkville24,51911
Vicksburg23,31870
West Point11,1791
Wiggins4,5353

The more people live in a particular city, the more like a car is to go missing. Jackson, for example, is Mississippi’s state capital, and it sees the most stolen vehicle reports filed out of all of the state’s urban areas.

– Dangers on the Road in Mississippi

That said, there are other dangers in Mississippi beyond petty thieves. Take a gander at the chart below, which divides fatality rates throughout Mississippi down by county.

County2013201420152016201720132014201520162017
Adams County4411112.4612.513.183.183.23
Alcorn County221225.375.372.685.375.37
Amite County2312015.5623.817.9716.090
Attala County101005.2305.3600
Benton County1110211.7712.0512.25024.06
Bolivar County4241111.775.9212.033.063.13
Calhoun County102206.8013.6713.730
Carroll County02111019.549.89.799.86
Chickasaw County122015.7611.511.505.83
Choctaw County0000000000
Claiborne County3234232.821.8232.8143.8222.35
Clarke County2010112.1806.2406.32
Clay County112104.924.9710.015.040
Coahoma County3121111.914.038.174.24.32
Copiah County3242310.396.9113.886.9910.52
Covington County3220215.6210.4410.4010.48
Desoto County5106452.975.863.472.282.8
Forrest County315233.921.326.612.643.98
Franklin County1010012.69012.9500
George County4162117.244.2925.638.434.15
Greene County1110176.977.3807.49
Grenada County5111023.214.634.664.710
Hancock County413218.792.186.494.292.13
Harrison County12673106.123.033.491.484.88
Hinds County79151182.843.676.164.553.34
Holmes County5230226.5910.8116.37011.27
Humphreys County1010211.16011.49023.98
Issaquena County0000000000
Itawamba County211138.564.274.254.2712.76
Jackson County565863.564.243.545.654.22
Jasper County111216.076.056.0412.056.03
Jefferson County1000113.0700013.77
Jefferson Davis County5011041.8308.598.720
Jones County443015.815.864.3901.47
Kemper County121339.6919.529.9930.1430.36
Lafayette County313345.841.935.75.617.36
Lamar County420046.773.33006.52
Lauderdale County353433.746.313.835.183.94
Lawrence County3111323.857.947.897.8123.73
Leake County240228.617.2508.88.8
Lee County656327.065.97.083.542.35
Leflore County120223.256.5206.736.84
Lincoln County6732117.2820.168.695.812.91
Lowndes County223023.343.355.0403.38
Madison County164331.015.953.912.892.87
Marion County3210111.517.793.9403.99
Marshall County247335.4911.0619.518.388.42
Monroe County330328.38.3208.355.58
Montgomery County130009.4628.97000
Neshoba County104323.39013.5810.196.81
Newton County211109.294.634.664.680
Noxubee County0000000000
Oktibbeha County401018.1502.0202.01
Panola County6322517.448.715.865.8514.71
Pearl River County524229.123.637.283.633.62
Perry County2000116.650008.31
Pike County256345.0112.5215.057.5710.13
Pontotoc County252116.5216.246.493.183.16
Prentiss County222647.857.877.8723.6315.83
Quitman County2112025.613.0113.3127.010
Rankin County564213.394.042.681.320.66
Scott County4121114.133.517.043.523.52
Sharkey County00001000022.55
Simpson County220227.277.2807.417.42
Smith County110326.166.17018.7812.44
Stone County3122216.715.611.0911.1411.04
Sunflower County211017.173.653.7203.85
Tallahatchie County111006.686.86.8500
Tate County123633.537.0810.5721.2410.55
Tippah County112144.554.559.094.5418.21
Tishomingo County2101310.265.1505.1415.35
Tunica County3321128.7128.619.499.859.98
Union County4300114.4110.67003.5
Walthall County111206.736.746.8513.730
Warren County6234112.434.176.318.52.14
Washington County331176.046.122.092.1215.14
Wayne County201019.7804.8804.89
Webster County1010010.06010.1300
Wilkinson County02010021.78011.10
Winston County0110105.385.4205.48
Yalobusha County3000124.240008
Yazoo County133013.5710.7910.9403.7

– Fatal Crashes by Weather and Light Conditions

Weather can contribute to the number of fatalities a state sees. Mississippi is a bit of a rainy state and, in spring as well as winter, is prone to flooding, according to the National Weather Service. You’ll want to take care while on the road during a thunderstorm and do what you can to take flood warnings in your area as seriously as possible.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal27360196160545
Rain304101045
Snow/Sleet011002
Other11122016
Unknown203016
TOTAL30666222191614

– Traffic Fatalities

Traffic, traffic congestion, and the area in which you’re driving also contribute to your likelihood of an accident. We’ll touch on all of these factors and more in order to ensure that you have all of the fatality-related information you need available to you at a moment’s notice.

Let’s get started with a rural vs. urban comparison. You’d think that urban roads would be the site of more fatalities than urban. In the case of Mississippi, you’d be mistaken.

Traffic Fatalities by Road Type2008200920102011201220132014201520162017
Rural627507506508407519551559533430
Urban1561931351221759456118154259
Unknown0000000001
Total (C-1)783700641630582613607677687690

Even though rural roads in Mississippi have the same posted maximum speed limit as urban roads, rural roads are said to be less well policed. As such, drivers in rural areas may feel more comfortable speeding there than they would in a bigger city.

That need for speed, as you can see, results in far more accidents on country roads.

– Fatalities by Person Type

Different types of people – passengers, pedestrians, nearby bikers, and so on – are also at differing risks for auto fatalities.

Traffic Fatalities by Person Type2013 2014 2015 2016 2017 
Number of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercent
Passenger Car2323826243257382724030945
Light Truck - Pickup1402311319161241342010816
Light Truck - Utility94158214112171101610916
Light Truck - Van203132142243162
Light Truck - Other3051205120
Large Truck173132183132172
Other/Unknown Occupants911837116251
Total Occupants5158450683571845748457183
Bus0000000051
Motorcyclists396417375507406
Pedestrian5395396395887110
Bicyclist and Other Cyclist6161515171
Total Nonoccupants5910601069106397911
Other/Unknown Nonoccupants0010100010
Total613100607100677100687100690100

– Fatalities by Crash Type

Fatality rates will also differ depending on the type of vehicles or the number of vehicles that are anticipated as being involved.

Crash Type20132014201520162017
Single Vehicle396366399409375
Involving a Large Truck63817278102
Involving Speeding12696968159
Involving a Rollover168151207200174
Involving a Roadway Departure382325424432399
Involving an Intersection (or Intersection Related)11011210498108
Total Fatalities (All Crashes)613607677687690

As noted above, single vehicles are consistently more likely to the victims of a fatality than two or more vehicles, and intersections have caused more accidents than large trucks.

– Five-Year Trend For The Top 10 Counties in Mississippi

Over the past five years, the different counties in Mississippi have reported the number of fatalities that have occurred in the area, giving us a fair look at the safety records of each county.

RankCounty20132014201520162017
1Hinds County2831474645
2Harrison County2423282134
3Desoto County1719242423
4Jackson County1828202723
5Lee County1920141923
6Rankin County2118161922
7Panola County1511101221
8Pike County911151320
9Forrest County89151018
10Marshall County1414171617
Total613607677687690

If you’re looking to move to Mississippi, you may want to keep this information in mind.

– Fatalities Involving Speeding by County

Speeding, similarly, varies by county. You might anticipate that more rural counties see fatalities as a result of speeding than urban, but it truly just depends on where a person is located in the state.

County name20132014201520162017
Adams02110
Alcorn10210
Amite10001
Attala10300
Benton10001
Bolivar21220
Calhoun00020
Carroll00000
Chickasaw00210
Choctaw01000
Claiborne11010
Clarke12000
Clay00100
Coahoma10000
Copiah81000
Covington12300
Desoto62478
Forrest00122
Franklin00000
George21021
Greene02110
Grenada20002
Hancock21300
Harrison861133
Hinds451086
Holmes00100
Humphreys00000
Issaquena02000
Itawamba01100
Jackson54351
Jasper00021
Jefferson00000
Jefferson Davis41000
Jones14421
Kemper00200
Lafayette10000
Lamar43000
Lauderdale32321
Lawrence11000
Leake10310
Lee53200
Leflore02000
Lincoln44111
Lowndes14010
Madison36420
Marion00301
Marshall22320
Monroe32130
Montgomery10010
Neshoba00121
Newton30130
Noxubee00011
Oktibbeha20010
Panola52012
Pearl River53531
Perry10000
Pike01133
Pontotoc10411
Prentiss00010
Quitman10010
Rankin44226
Scott22021
Sharkey00000
Simpson11120
Smith01001
Stone42001
Sunflower10000
Tallahatchie20000
Tate13002
Tippah02100
Tishomingo01001
Tunica10000
Union11002
Walthall02100
Warren21101
Washington01125
Wayne10100
Webster30110
Wilkinson00000
Winston11010
Yalobusha30010
Yazoo00000

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

While we’ve touched on Mississippi’s DUI laws before, it’s still worth noting which counties in the state have seen the most alcohol-related fatalities in the past five years. This isn’t to say that you should avoid these counties, but you may want to take some additional care when driving in the area.

County Name20132014201520162017
Adams44111
Alcorn22122
Amite23120
Attala10100
Benton11102
Bolivar42411
Calhoun10220
Carroll02111
Chickasaw12201
Choctaw00000
Claiborne32342
Clarke20101
Clay11210
Coahoma31211
Copiah32423
Covington32202
Desoto510645
Forrest31523
Franklin10100
George41621
Greene11101
Grenada51110
Hancock41321
Harrison1267310
Hinds7915118
Holmes52302
Humphreys10102
Issaquena00000
Itawamba21113
Jackson56586
Jasper11121
Jefferson10001
Jefferson Davis50110
Jones44301
Kemper12133
Lafayette31334
Lamar42004
Newton21110
Noxubee00000
Oktibbeha40101
Panola63225
Pearl River52422
Perry20001
Pike25634
Pontotoc25211
Prentiss22264
Quitman21120
Rankin56421
Scott41211
Sharkey00001
Simpson22022
Smith11032
Stone31222
Sunflower21101
Tallahatchie11100
Tate12363
Tippah11214
Tishomingo21013
Tunica33211
Union43001
Walthall11120
Warren62341
Washington33117
Wayne20101
Webster10100
Wilkinson02010
Winston01101
Yalobusha30001
Yazoo13301

The aforementioned table would be worthy of concern if it consisted of adult drivers alone. Unfortunately, though, this table keeps count of fatalities that have involved drunk teenage drivers, as well.

In 2018 alone, Mississippi saw 66 arrests of drivers under 18 years old who were at the wheel while drunk.

In light of these numbers, Mississippi currently ranks as the 22nd most dangerous state in the United States for drunk driving.

– EMS Response Time

Whether you’ve been in an accident as a result of drunk driving or sheer bad luck, you’ll want to know how long it takes Emergency Medical Services to get to your side. The travel time of the EMS will vary based on where you’re located in the state.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Urban3.96 min7.52 min30.84 min40.99 min144
Rural3.69 min10.48 min33.63 min47.05 min481

As you can see, it takes Mississippi’s EMS less than an hour to get your from your car accident to the nearest medical facility. No matter if you’re driving in a rural area or an urban one, you can feel confident in the knowledge that should an accident occur, you’ll be in EMS car in little to no time at all. The quick response time is a boon to new and experienced drivers everywhere.

– Transportation Through Mississippi

With all of the variations on fatality statistics in mind, we can move on to a brief exploration of the data that may impact your day-to-day driving routine.

So: what do the commutes throughout Mississippi look like? How many cars does the average Mississippi resident have? We have all of your answers below.

– Car Ownership

In general, Mississippi residents have two cars per household, but the number of households with three actually outnumber those with one! No need to feel out of place, though, if you only have one car – practicality is never a bad thing.

Car Ownership

– Commute Time

Commutes in Mississippi tend to take 23.8 minutes, in general, whether you’re living in rural areas or urban ones.

Mississippi Commute Time

Though that time is, in fact, lower than the national average, 2.63 percent of employees working and living in Mississippi, in fact, have to commit to a super-commute.

A super commute is a commute that takes over 90 minutes to complete. Talk about a morning haul!

– Commuter Transportation

You might assume that traffic contributes to those unfortunate super-commutes. The fact that 84.6 percent of Mississippi residents drive to work by themselves would hypothetically support this conclusion.

Mississippi Commuter Transportation

However, traffic congestion isn’t much of a problem in Mississippi. None of the cities in the state appear in the INRIX scorecard for global traffic, which means that they aren’t ranked or noted as having considerable morning, afternoon, or post-workday traffic.

With that, we’ve shared everything we know about car use, automotive insurance, and the different driving laws in Mississippi. So, if you’re a Mississippi resident looking to compare the available coverage in your area, or if you’re just moving into the state, don’t fret. You can consult this guide as you like in order to make sure you’re getting the best possible deal on your insurance.

Want to check out a personalized comparison? Enter your zip code into our FREE online comparison tool and find the best insurance policy for you.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]