Are you overpaying?

Comparison quotes are the cheapest way to save

Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in Mississippi

The epitome of southern charm, Mississippi has rightfully earned the nickname “The Hospitality State”. With a colorful history of cotton plantations and riverboats, Mississippi now produces the majority of catfish consumed in the U.S. The state varies between swamplands, river deltas, coastal plains and rolling hills, and its winters are short and mild. The warm, humid summers keep much of the state covered with lush foliage. Mississippi’s byways can give drivers a fascinating view of America’s true South, and has provided this list of all the necessary information to keep Mississippi’s drivers rolling.


Changing laws and regulations can be as intimidating as crossing Mississippi’s namesake river. So, following is an organized, easy-to-follow list of the useful information every Mississippi driver needs to remember.

Minimum Requirements for Car Insurance in Mississippi

  • To operate a vehicle in Mississippi, a driver must carry liability insurance.
  • Liability Coverage minimums:
    • $25,000 per individual to cover bodily injury or death.
    • $50,000 per accident involving bodily injuries or deaths.
    • $25,000 for property damage.

According to the Mississippi Insurance Department, failure to maintain proper insurance and provide proof of insurance results in a $1,000 fine and a license suspension.

New Driver Licensing Requirements:

  • All drivers in Mississippi must have a valid drivers license to operate a vehicle in the state, according to the Mississippi Department of Public Safety. Drivers new to Mississippi who are holding an out-of-state license must pass the vision test but not the knowledge or driving tests.
  • If a new driver is under the age of 18, he/she must first apply for a Learner’s Permit and hold that permit for 1 year. A student enrolled in a driver education course may obtain a Learner’s Permit at 14 years of age. This permit only allows the driver to:
    • drive while enrolled in the driver education course
    • drive a driver education vehicle while accompanied by a driving instructor
  • Drivers who hold their permit for 6 months and are 16 years, 6 months of age may apply for the Regular Drivers License by:
    • passing the written test and the road skills test
    • paying the appropriate fees
  • Vision Exam. Applicants must pass the vision test to receive a permit and/or a license. The minimum required for an unrestricted license is a visual acuity of at least 20/40 and a field of vision of at least 140 degrees. Visual acuity between 20/50 and 20/70 may receive a daylight driving restriction. The test may be taken with corrective lenses; however, the lenses must be worn at all times while driving
  • Knowledge Test. Based on the Mississippi Driver’s Manual, the knowledge test evaluates the applicant’s understanding of basic traffic-related concepts. The test is computer-based and consists of multiple choice questions.
  • Road Skills Test. The road test is designed for the administrator to evaluate each applicant’s driving skills and knowledge. The applicant must provide a properly equipped, licensed, insured and registered vehicle for the exam. The vehicle will undergo a pre-test inspection of the vehicle’s lights, horn and brakes. Once the vehicle passes inspection, the test administrator will test the applicant’s ability in the following areas:
    • Making right and left turns
    • Stopping
    • Backing
    • Grade parking
    • Parallel parking
    • Posture
    • Use of signals
    • Vehicle control
    • Approach and obey warning signs, traffic lights and stop signs
    • Lane management
  • Fees. The following fees apply to a new Mississippi drivers license:
    • Regular License, $21
    • Regular License (Under 18), $6
    • Learner’s Permit, $4


  • BAC limit: .08 Mississippi’s Department of Public Safety provides the following minimum penalties for DUI convictions in the state:
  • First Offense – misdemeanor:
    • Fine: $250 – $1,000
    • Jail: maximum 48 hours
    • License suspension: 90 days to 1 year
    • Driver education: 10 hours
    • SR22 Insurance required
  • Second Offense – misdemeanor:
    • Fine: $600 – $1,500
    • Jail: 5 days to 1 year
    • License suspension: 2 years
    • Ignition Interlock Device (IID): minimum 6 months
    • Community service: 10 days to 1 year
    • Possible vehicle forfeiture
    • Alcohol or substance abuse treatment/program
    • SR22 Insurance required
  • Third or Subsequent Offense(s) – felony:
    • Fine: $2,000 – $5,000
    • Jail: 1 – 5 years
    • License suspension: 1 – 5 years
    • IID for minimum 6 months
    • Possible vehicle forfeiture
    • SR22 Insurance required
  • Aggravated factors and higher BAC levels can increase DUI conviction penalties.

Texting & Driving Laws explains that Mississippi has banned all cell phone use and texting from bus drivers. Texting is also banned for novice drivers.

Unique Laws

Mississippi’s laws can leave drivers both safer and more puzzled at the same time. A law that does just that prohibits one from honking a vehicle horn for the fact that it may scare the horses. It is also illegal to cheer if there is, in fact, nothing to cheer about. Also, remember that when driving around the town square in Oxford, 99 laps is the limit!


Best Cheap Car Insurance Quotes for Mississippi

Hinds County Car Insurance

Home of the state capital, Jackson, Hinds County is Mississippi's most populated, with 245,000 residents at the 2010 census. Jackson is the largest urban area in the state, but it shares its title of county seat with the town of Raymond.

Jackson is home to the University of Mississippi Medical Center, the health sciences campus of Ole Miss. It was here that the first successful human lung transplant was performed in 1963 and the world's first heart transplants were completed in 1964. Jackson's former state capital building is now a museum housing historic displays. The small town of Edwards in Hinds County is the home of the world's only cactus plantation.

County Sedan Suv Coupe Truck Hybrid

Harrison County Car Insurance

Named for President William Henry Harrison, Mississippi's Harrison County lies along Interstate 10 on the Gulf of Mexico. It has two recognized county seats, the beachfront City of Biloxi, where populated has declined since Hurricane Katrina, and Gulfport, also heavily damaged by the 2005 hurricane.

Biloxi, home to about 45,000, is known as the place where Edward Adolf Barq Sr. invited the root beer in 1898. Harrison County encompasses a part of the Gulf Islands National Seashore and the De Soto National Forest. Tourism is an important part of the economy, with visitors coming to the area for its casinos and beaches. Opened in 1986, the Maritime and Seafood Industry Museum was destroyed by Hurricane Katrina, but completely rebuilt and reopened in 2014.

County Sedan Suv Coupe Truck Hybrid

DeSoto County Car Insurance

Abutting the Tennessee border, DeSoto County lies just south of Memphis via Interstate 55. Once mostly rural, the Memphis suburb county is one of the fastest-growing in the U.S. The county seat is Hernando, a city of about 14,000 with the motto, "Mississippi's front porch."

Hernando is the birthplace of several noted musicians, and Southern-born Jerry Lee Lewis bought a home there as an adult. The largest city in DeSoto County is Southhaven, so named because it is located south of the Memphis neighborhood of Whitehaven, whose residential builder wanted to build a community just across the Mississippi border. Southhaven is only 14 minutes from downtown Memphis, and is a popular choice for commuters.

County Sedan Suv Coupe Truck Hybrid

Rankin County Car Insurance

Rankin County lies between downtown Jackson to the west and the Bienville National Forest to the east. Part of its northwest border lies along the shore of the Ross R. Barnett Reservoir and the Pearl River, the second largest river in the state. The county encompasses an eastern portion of Jackson, along with the cities of Pearl, Flowood, Richland and Brandon, the county seat.

Rankin County is half rural, half urban, home the Jackson-Medgar Wiley Evers International Airport. Popular with visitors are the Rankin County Museum, Patrick Farms Golf Club and the Outlets of Mississippi.

County Sedan Suv Coupe Truck Hybrid

Jackson County Car Insurance

With the Alabama border to the east and the Gulf of Mexico to the south, Jackson County makes up the southeastern tip of Mississippi. Named for U.S. President Andrew Jackson, it is the largest county in the state by land, with 1,043 square miles. It was also among those heavily impacted by Hurricane Katrina in 2005.

Pascagoula, the county seat, is the birthplace of "Margaritaville" singer Jimmy Buffett, who also wrote and performs a song called "Pascagoula Run." Jackson County's grassy savannas are home to the rarest crane in North America, the Mississippi Sandhill Crane. Once a small fishing village, Pascagoula is a major industrial hub.

County Sedan Suv Coupe Truck Hybrid

Madison County Car Insurance

North of Jackson along Interstate 55, Madison County was named for U.S. President James Madison, and is now home to roughly 95,000. It encompasses part of the Natchez Trace Parkway, which commemorates and preserves the historic Old Natchez Trace used centuries ago by Native Americans.

Madison County has the highest income per capita in the state, and is the only county in Mississippi with a higher average income than the U.S. Average. The county seat is Canton, a small town that was a major rail and logistics center during the Civil War, and thus has a large Confederate cemetery.

County Sedan Suv Coupe Truck Hybrid

Lee County Car Insurance

The county known for producing the King of Rock and Roll lies between Memphis, Tenn. and Birmingham, Ala. Tupelo, the birthplace of Elvis Presley, is the county seat and largest city. The county was named for Confederate Gen. Robert E. Lee.

Aside from Elvis Presley's Birthplace and Museum, Lee County features several popular tourist attractions. These include the Tupelo Automobile Museum, the Natchez Trace Parkway, Veteran's Museum and a Buffalo Park and Zoo. The Tupelo National Battlefield commemorates the site where Nathan Bedford Forrest tried to cut the railroad supplying the Union's march on Atlanta.

County Sedan Suv Coupe Truck Hybrid

Lauderdale County Car Insurance

Located at the Mississippi-Alabama border and bisected by Interstate 20, Lauderdale County is home to more than 80,000. The county seat is Meridian, the birthplace of country musician Jimmie Rodgers, known as the father of country music. It is also where John B. Stetson perfected his trade of making hats at Dunn's Falls.

About 90 miles east of Jackson, Meridian is the state's sixth largest city. A museum chronicling the life and times of Jimmie Rodgers is located in Highland Park, which also houses the 19th Century Highland Park Dentzel Carousel, a National Historic Landmark. Other attractions include the Mississippi Industrial Heritage Museum and Bonita Lakes Park.

County Sedan Suv Coupe Truck Hybrid

Forrest County Car Insurance

Named for Confederate Gen. Nathan B. Forrest, Forrest County was created from Perry County in 1908. The county has only two incorporated cities: Hattiesburg, the county seat, and Petal, home to about 10,500. Located in Hattiesburg is the University of Southern Mississippi, also known as Southern Miss.

Hattiesburg lies mostly within Forrest County at the intersection of six major highways. For this reason, it was nicknamed "Hub City." It is home to the African-American Military History Museum, Armed Forces Museum and the popular Hattiesburg Zoo. Located on the Leaf River, Petal is the home of the International Checkers Hall of Fame.

County Sedan Suv Coupe Truck Hybrid

Jones County Car Insurance

Just north of Hattiesburg on Interstate 59, Jones County remains mostly rural, with agriculture and timber its primary industries. Encompassing pine forests and an occasional swamp, Jones County includes part of the De Soto National Forest. Two cities are recognized as county seats: Laurel, its largest city, and Ellisville.

Laurel's Historic District is the largest and most intact collection of early 20th Century architecture in the state. Landrum's Homestead and Village recreates a late 1800s settlement with more than 60 structures and displays such as log cabins, general store, chapel, blacksmith shop and one-room schoolhouse. Its "Christmas at the Village" event is a popular tourist draw.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Jefferson Davis$1,092.00$914.00$1,140.00$950.00$1,082.00
Pearl River$1,029.00$851.00$1,077.00$887.00$1,019.00
Yazoo$1,109.00$912.00$1,156.00$948.00$1,099.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Mississippi’s average auto insurance premiums have remained under the national average for several decades.’s recent report reveals that, although the state’s average premiums as a percentage of income are still above the national average, they hit an historic low in 2007, followed by a second in 2008.

Drunk Driving Fatalities

Mississippi’s drunk driving fatalities showed a small rise in 2011, according to the National Highway Traffic Safety Administration. However, in 2012, the percentage rose drastically to match the national average of 31 percent. After rising above the national average in 2013, the state is down below the national average again.

Teen Drinking and Driving

The Center for Disease Control indicates that Mississippi’s teens drink and drive more than teens in the rest of the 49 states.

Vehicular Theft in Mississippi

Vehicle thefts in Mississippi fell to a rate of 144.8 in 2012, according to the FBI. This is much lower than the national average, which reported its percentage as around 220.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Young driversState Farm
Drivers with an at-fault crashState Farm
Drivers with poor creditNationwide
Retired driversShelter Mutual
Military familiesUSAA


State Department of Insurance

Mississippi Insurance Department
1001 Woolfolk State Office Building
501 N. West St.
Jackson, MS 39201
(601) 359-3569
Get Directions

Department of Transportation

Mississippi Department of Transportation
401 N. West St.
Jackson, Mississippi 39201
(601) 359-7001
Get Directions

Department of Motor Vehicles

Mississippi Department of Revenue
Motor Vehicle Licensing Bureau
500 Clinton Center Drive
Clinton, MS 39056
(601) 923-7000
Get Directions

Mississippi drivers licensing is handled through the Department of Public Safety.
See rates for these popular cities