Best Cheap Car Insurance in Mississippi

Mississippi requires all its drivers to carry car insurance, which often costs thousands of dollars per year. But savvy shoppers who know where to look for the cheapest car insurance in MIssissippi can shave hundreds of dollars off their annual bills. Here's a look at which companies offer the best car insurance in Mississippi for several common driver profiles.

Cheapest for typical drivers: Direct Auto Insurance
Cheapest for drivers with prior accidents: Direct Auto Insurance
Cheapest for drivers with prior speeding tickets: Geico
Cheapest for young drivers: Mississippi Farm Bureau Insurance
Cheapest for senior drivers: Direct Auto Insurance
Cheapest for drivers looking for minimum coverage: Direct Auto Insurance
Cheapest for drivers with poor credit: Direct Auto Insurance

Best for typical drivers

The typical 35-year-old female with a clean record pays $1,944 per year for Mississippi auto insurance. And the typical 35-year-old male pays $2,007 per year. Both can save considerably by going with Direct Auto Insurance, which charges men and women $1,258 and $1,155 per year, respectively.

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These insurers are also some of the best car insurance companies in Mississippi:

Geico, where the average female driver pays $1,236 and the average male pays $1,251 annually
Nationwide, which charges female drivers $1,388 per year and male drivers $1,416 per year

Best for drivers with prior accidents

Direct Auto Insurance also offers the best car insurance in Mississippi for drivers with prior accidents. Those with one accident on their record pay just $1,465 -- well below the state average of $2,919 for these drivers.

Other companies that offer cheap auto insurance in Mississippi for drivers with one accident include:

Nationwide, which charges these drivers an average annual premium of $2,091
Geico, where these drivers pay about $2,111 per year for Mississippi auto insurance

Best for drivers with prior speeding tickets

Geico stands out as the best Mississippi auto insurance provider for those with a single speeding ticket on their record. Its average annual premium for these drivers is just $1,657 while the state average is $2,452 per year.

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These companies also offer cheap car insurance quotes in Mississippi to these drivers:

Direct Auto Insurance, which charges these drivers $1,678 per year
Nationwide, where drivers with one speeding ticket pay about $1,711 per year

Best for young drivers

Teen drivers pay about $5,637 per year on average for Mississippi auto insurance. But those who choose Mississippi Farm Bureau Insurance can get the same coverage for just $3,312 per year.

Teens can also find affordable car insurance in Mississippi with these insurers:

Direct Auto Insurance, where the average teen driver pays $3,598 annually
Nationwide, which charges teens about $3,730 per year on average for Mississippi auto insurance

Best for senior drivers

Seniors pay a pretty reasonable $1,745 for Mississippi auto insurance, but those who choose Direct Auto Insurance could shave a few hundred dollars off this bill. Its average annual premium for a 65-year-old driver is just $1,079.

Seniors can also score great deals on Mississippi auto insurance with these companies:

Nationwide, where 65-year-old drivers pay about $1,178 per year
Progressive, which charges seniors an average annual premium of $1,403

Best for drivers looking for minimum coverage

Mississippi minimum car insurance costs $595 per year on average, but those who choose Direct Auto Insurance can get covered for around $283 per year.

These companies also offer cheap liability car insurance in Mississippi:

Geico, where minimum Mississippi auto insurance costs $358 per year
Nationwide, which charges drivers about $435 for Mississippi minimum coverage annually

Best for drivers with poor credit

Those with bad credit pay an average of $3,205 per year for Mississippi auto insurance. But once again, Direct Auto Insurance offers a much more competitive rate. Its average annual premium for these drivers is just $1,819.

These companies also offer affordable rates on Mississippi auto insurance to drivers with bad credit:

Safeway Insurance, which has an average annual premium of $2,071
Geico, which charges these drivers about $2,128 per year

Average car insurance cost in Mississippi compared to the national average

How much is car insurance in Mississippi? That depends on a variety of factors, including the policyholder's driving history, their vehicle make and model, and their zip code. But generally, Mississippi auto insurance rates fall slightly below the national average.

Here's a look at how the state's average auto insurance rates stack up to the rest of the country for some of the categories listed above:

Average Rate Category	Mississippi	National Average
Overall	$2,411	$2,646
Young drivers	$5,637	$5,988
1 accident on driving record	$2,919	$3,092
1 speeding ticket on driving record	$2,452	$2,766

Data source: Quadrant data.

Mississippi auto insurance laws

Here are some important Mississippi car insurance laws that all drivers should be familiar with:

Mississippi is an at-fault state

Mississippi is an at-fault auto insurance state. This means that, in the event of a multi-car accident, the driver found to be at fault must pay for the injuries to all parties involved. This is different from no-fault states where each driver bills their own insurance for medical expenses regardless of who caused the accident.

Consequences for driving without insurance in Mississippi

Drivers who skip Mississippi auto insurance could face the following:

Fines of up to $1,000
Suspension of driving privileges for up to one year or until the driver provides proof of current insurance

Mississippi minimum coverage requirements

In Mississippi, all drivers must carry at least the following car insurance:

Bodily injury liability coverage

Drivers must have at least:

$25,000 of bodily injury liability coverage per person
$50,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must carry $25,000 of property damage liability coverage. This applies if the policyholder damages another person's property in an accident.

How to get cheap auto insurance in Mississippi

Those seeking low-cost car insurance in Mississippi should try these tips:

Shop around: Compare rates from several insurers to see which offers the best value. Each company weighs risk differently, which is why they all give different quotes.
Consider opting into driving discounts: Some insurers offer drivers a discount upfront if they're willing to demonstrate their good driving by installing a monitoring device in their vehicle.
Pick a high deductible: A high deductible means higher out-of-pocket costs in the event of a claim. But it also earns policyholders lower monthly premiums.

Other things to consider when looking for car insurance in Mississippi

Here are a few other things to keep in mind when shopping for Mississippi auto insurance:

Mississippi has the highest rate of uninsured drivers in the country

Nearly 30% of Mississippi drivers are uninsured. That's the highest rate in the country, according to the Insurance Information Institute. And it poses a huge concern for all drivers in the state.

All Mississippi drivers should consider adding uninsured and underinsured motorist coverage to their policies. Uninsured motorist coverage kicks in if a policyholder is hit by a driver without insurance. Underinsured motorist coverage applies if a policyholder is hit by a driver who doesn't have enough insurance to cover the full cost of the damages.

State minimum coverage doesn't protect the policyholder's vehicle

Policyholders hoping to protect their own vehicle should invest in collision and comprehensive coverage as well. Collision coverage pays for vehicle repairs needed after a single-car or multi-car accident while comprehensive coverage pays for damages due to animal-vehicle collisions, bad weather, theft, vandalism, and more.

RELATED: Need homeowners insurance? Check out Motley Fool Money's guide to the best cheap Mississippi homeowners insurance.

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The Best Cheap Mississippi Car Insurance