Cheapest Car Insurance in Mississippi

Cheap car insurance in Mississippi starts with Progressive: among the three insurers we compared, it quotes the lowest price at every level, $121 a month for full coverage, $113 for 50/100/50 and $31 for Liability Only 25/50/25. The $31 package sits exactly on Mississippi’s state minimum liability (25/50/25), and the $113 one sits above it.

Our Mississippi data is a short list. Progressive, SAFECO and Allstate are the only insurers in the ranking, and Progressive is cheapest in 150 of 153 ZIP codes for full coverage and in every one for liability only. SAFECO trails at $149, $141 and $53. Allstate stands apart: $279 for full coverage, $158 over Progressive, with no ZIP code where it is lowest. Mississippi Farm Bureau also priced every ZIP code and gets its own box, outside the ranking. GEICO is not in our Mississippi data.

Geography moves the price less than the choice of insurer does. The 18 counties we could rank run from $160 a month for full coverage in Lowndes County to $205 in Copiah County, a $45 spread, while Progressive and Allstate sit $158 apart for the very same driver and car.

Page updated Nov. 2, 2026. The figures below are Quadrant Information Services output, based on filings in force on Sept. 30, 2026 and priced for one sample driver; read them as indicative figures, not offers. See how we priced Mississippi car insurance

Cheap Car Insurance in Mississippi at a Glance

How Much Is Car Insurance in Mississippi? Averages for Each Package

Put Progressive, SAFECO and Allstate in one pot and the sample driver’s bill averages $183 a month, or $2,199 over the year, for full coverage, $175 ($2,104) for 50/100/50 and $60 ($724) for Liability Only 25/50/25. Progressive comes in $62 under the full-coverage average and SAFECO $34 under, while Allstate lands $96 over. No single company charges the average; Allstate’s prices pull it well above the other two.

Mississippi’s 25/50/25 Limits Compared With Our Three Packages

The first 25 is $25,000 for one hurt person, the 50 is $50,000 for the injuries of everyone in the accident, and the last 25 is $25,000 of property damage. Liability Only 25/50/25 copies those caps. The 50/100/50 package doubles each one and also brings collision and comprehensive on the policyholder’s vehicle, with $500 deductibles; full coverage then lifts liability to 100/300/100.

Mississippi’s statutory limits set beside the two lower packages we priced

Covers	State law	Liability Only 25/50/25	50/100/50
One person hurt	$25,000	$25,000	$50,000
All hurt, one accident	$50,000	$50,000	$100,000
Property of others hit	$25,000	$25,000	$50,000
Vs. the law	Base	Equal	Higher

Only the 50/100/50 and full-coverage packages pay for damage to the policyholder’s own vehicle. A lender that insists on that protection rules out the $31 price; Progressive’s $113 for 50/100/50 is the closest comparison.

Cheapest Car Insurance in Mississippi for Each Package

The order never changes: Progressive, then SAFECO, then Allstate. What changes is the distance between first and second, $28 a month on full coverage, $28 on 50/100/50 and $22 on Liability Only 25/50/25.

Moving from one ZIP code to another rarely changes the winner. Progressive is lowest for full coverage in 150 of 153 ZIP codes and SAFECO in the other 3; at 50/100/50 the split is 148 to 5, and for Liability Only 25/50/25 Progressive takes all 153. Allstate is lowest nowhere. If you want a second quote to test Progressive’s, SAFECO is the one to ask.

Mississippi Insurers Ranked: Progressive, SAFECO and Allstate

Each of the three insurers priced all 153 ZIP codes, so 459 quotes underlie every package. The bars compare average monthly full-coverage prices for an identical driver and vehicle: read shorter as cheaper.

Mississippi insurers compared: monthly price first, yearly premium in [ ]

Company	Full coverage	50/100/50	Liability Only 25/50/25
Progressive	$121 [$1,456]	$113 [$1,357]	$31 [$374]
SAFECO	$149 [$1,792]	$141 [$1,688]	$53 [$631]
Allstate	$279 [$3,351]	$272 [$3,269]	$97 [$1,168]
Average of the three	$183	$175	$60

Over a year the averages come to $2,199, $2,104 and $724. Choosing Allstate over Progressive for full coverage adds $158 a month, or $1,895 a year; SAFECO adds $28 a month. For liability only, Allstate’s $97 is more than three times Progressive’s $31.

A three-company ranking: what it leaves out

Three names make a short comparison. GEICO does not appear in the Mississippi data, and other companies may sell policies here that we did not price; any of them could come in above or below these numbers. Before you decide, get one more quote from an insurer you already trust.

Liability Only, 50/100/50 or Full Coverage: What the Extra Money Buys in Mississippi

The big jump is the first one. From Liability Only 25/50/25 to 50/100/50 the three-company average rises from $60 to $175, which is $115 a month or $1,380 a year, because that step brings higher liability limits and collision and comprehensive together; we did not price them apart. After it, full coverage adds only $8 a month, to $183.

Get both 50/100/50 and full coverage priced at once. At Progressive the full-coverage price is $8 a month above 50/100/50 ($99 a year), at SAFECO $8 ($104) and at Allstate $7 ($82). With gaps that small, the higher liability limits in the full-coverage package are worth a look.

Cheap Car Insurance in Mississippi by County

Mississippi has 82 counties, and the data reaches 67 of them through 153 ZIP codes. A county needs at least three priced ZIP codes to earn a rank; 18 clear that bar and the rest go unranked. The other 49 contribute one or two ZIP codes apiece and appear in a list after the ranking. A dagger (†) flags the 12 ranked counties built on three or four ZIP codes. Every county number is a mean of the three ranked insurers.

The 18 ranked counties, cheapest full-coverage average first

Monthly three-insurer averages for Mississippi counties with three or more ZIP codes

County and ZIPs	Full coverage	50/100/50	Liability Only 25/50/25
Lowndes† (4)	$160	$154	$51
Lee (6)	$163	$156	$55
Jones† (3)	$175	$169	$57
Lauderdale† (4)	$180	$173	$57
DeSoto (7)	$181	$171	$67
Lamar† (4)	$182	$173	$62
Madison† (4)	$182	$175	$63
Pike† (3)	$183	$175	$58
Washington† (3)	$183	$176	$57
Pearl River† (3)	$184	$175	$65
Hancock† (4)	$184	$174	$67
Jackson (7)	$185	$176	$66
Rankin (7)	$188	$180	$67
Panola† (3)	$190	$181	$59
Harrison (10)	$193	$182	$70
Covington† (3)	$194	$187	$59
Hinds (11)	$196	$187	$67
Copiah† (3)	$205	$197	$61
State (153)	$183	$175	$60

† Three or four ZIP codes support this county, so its figures are a rough guide.

Lowndes County† is the cheapest ranked county for full coverage, $160 a month ($1,916 a year) across 4 ZIP codes, with Lee County next at $163 across 6; Lee is the lowest of the six counties that have five or more ZIP codes. Copiah County† is the highest at $205 ($2,462) on 3 ZIP codes, $45 a month and $546 a year above Lowndes. Of the larger counties, Hinds is highest at $196 and Harrison follows at $193.

For Liability Only 25/50/25, Lowndes† is lowest again at $51 a month and Lee next at $55. Harrison County is highest at $70, $19 over Lowndes, although on full coverage it is only the fourth-highest ranked county, behind Copiah†, Hinds and Covington†.

Tupelo, Columbus and the lowest-priced counties

The cheapest full-coverage ZIP codes cluster around Tupelo and Columbus. Tupelo’s 38801 in Lee County is lowest of all 153 at $158 a month ($1,896 a year), and Columbus fills the next two places with 39705 and 39701. The ten lowest ZIP codes belong to four counties: Lee, Lowndes, Oktibbeha and Prentiss. Columbus’s 39701 also posts the state’s lowest Liability Only 25/50/25 price, $50 a month ($599).

Hinds County and the city of Jackson

Hinds County supplies 11 of the 153 ZIP codes, more than anywhere else. Its full-coverage average is $196 a month, $13 above the statewide $183. Jackson’s 39204 is third from the top statewide for full coverage at $205 ($2,457) and fourth from the top for Liability Only 25/50/25 at $71. Rankin County averages $188 across 7 ZIP codes and Madison County† $182 across 4.

The Gulf Coast: Harrison, Hancock and Jackson counties

Gulfport is where Liability Only 25/50/25 prices peak. Its three ZIP codes, 39503 at $73, 39507 at $72 and 39501 at $72, take the top three places statewide for that package, against $50 in Columbus. For full coverage the same ZIP codes rank 127th, 134th and 140th lowest of 153, between $195 and $199 a month: high, but not at the top. Harrison County as a whole averages $193 for full coverage across 10 ZIP codes, Jackson County, also on the coast, $185 across 7 and Hancock County† $184 across 4.

Copiah County and the highest-priced ZIP codes

Copiah County holds the two highest full-coverage ZIP codes: Hazlehurst’s 39083 at $209 a month ($2,503) and Crystal Springs’ 39059 at $207. Jackson’s 39204 is third, and Natchez’s 39120, in Adams County, fourth at $204. Adams County has only one ZIP code in the data and goes unranked, yet its $204 tops all 49 unranked counties.

The 49 counties left unranked

Each entry shows a county’s average monthly full-coverage price, with its ZIP-code count in parentheses. A county backed by one or two ZIP codes cannot be ranked or called cheapest or priciest. Still, the range is telling: Oktibbeha County, lowest of the group at $165, is $5 above Lowndes†, and Adams County at $204 is $1 under Copiah†. For your own address, put your ZIP code into a quote instead of leaning on a county figure.

Adams (1) $204; Alcorn (1) $167; Attala (1) $178; Bolivar (1) $178; Chickasaw (2) $169; Clarke (1) $195; Clay (1) $167; Coahoma (1) $193; Forrest (2) $171; George (1) $196; Greene (1) $191; Grenada (1) $180; Holmes (1) $202; Humphreys (1) $187; Itawamba (2) $169; Jasper (1) $200; Jefferson Davis (1) $202; Lafayette (1) $176; Lawrence (1) $190; Leake (1) $185; Leflore (1) $180; Lincoln (2) $183; Marion (2) $190; Marshall (2) $181; Monroe (2) $167; Montgomery (1) $172; Neshoba (2) $179; Newton (1) $178; Noxubee (1) $186; Oktibbeha (1) $165; Perry (1) $196; Pontotoc (1) $171; Prentiss (2) $167; Scott (2) $187; Simpson (2) $189; Smith (1) $184; Stone (2) $185; Sunflower (1) $178; Tate (2) $180; Tippah (1) $174; Tishomingo (1) $173; Union (2) $165; Walthall (1) $183; Warren (2) $193; Wayne (1) $189; Webster (1) $171; Winston (1) $181; Yalobusha (1) $179; Yazoo (1) $203.

The lowest and highest ZIP codes

ZIP figures average the three ranked insurers, so they run above Progressive’s own price. The file behind these tables lists 27 of the 153 ZIP codes, the ones nearest each end, and every rank below is out of 153. Tupelo’s 38801 ranks first on both full coverage and 50/100/50 ($151 a month), and Hazlehurst’s 39083 ranks last on both ($201). On full coverage, that makes a $51-a-month spread between the two ends of the state.

Mississippi’s ten cheapest ZIP codes for full coverage (three-insurer average), of 153

ZIP and city	County	Monthly	Yearly
38801 Tupelo	Lee County	$158	$1,896
39705 Columbus	Lowndes County	$158	$1,897
39701 Columbus	Lowndes County	$159	$1,906
39702 Columbus	Lowndes County	$160	$1,922
38866 Saltillo	Lee County	$161	$1,930
39740 Caledonia	Lowndes County	$162	$1,940
38804 Tupelo	Lee County	$162	$1,944
38849 Guntown	Lee County	$164	$1,972
39759 Starkville	Oktibbeha County	$165	$1,976
38824 Baldwyn	Prentiss County	$165	$1,977
Highest four	39083 Hazlehurst, $209/mo ($2,503/yr); 39059 Crystal Springs, $207/mo ($2,480/yr); 39204 Jackson, $205/mo ($2,457/yr); 39120 Natchez, $204/mo ($2,442/yr)

Mississippi’s ten cheapest ZIP codes for Liability Only 25/50/25 (three-insurer average), of 153

ZIP and city	County	Monthly	Yearly
39701 Columbus	Lowndes County	$50	$599
38851 Houston	Chickasaw County	$50	$601
39740 Caledonia	Lowndes County	$50	$601
39705 Columbus	Lowndes County	$51	$607
39730 Aberdeen	Monroe County	$51	$608
39744 Eupora	Webster County	$51	$609
38860 Okolona	Chickasaw County	$51	$617
38821 Amory	Monroe County	$52	$619
39702 Columbus	Lowndes County	$52	$621
39168 Taylorsville	Smith County	$52	$627
Highest four	39503 Gulfport, $73/mo ($877/yr); 39507 Gulfport, $72/mo ($859/yr); 39501 Gulfport, $72/mo ($858/yr); 39204 Jackson, $71/mo ($857/yr)

No ZIP code wins every package. Columbus is first for Liability Only 25/50/25 and third for full coverage, while Taylorsville’s 39168 in Smith County is tenth lowest for Liability Only 25/50/25 at $52 but only 79th for full coverage. Gulfport is the mirror image: its Liability Only 25/50/25 prices are the highest in the state, while its full-coverage prices are high but short of the top.

Reading Mississippi’s 25/50/25 Without the Jargon

Picture three ceilings on what your insurer will pay other people: $25,000 for a single injured person, $50,000 shared among everyone hurt in the same accident, and $25,000 for other people’s damaged property. Repairs to your own vehicle and treatment of your own injuries are not under any of them. Because we left personal injury protection and medical payments out of every package, a quote that adds either will run higher.

Insurer-by-insurer prices for 50/100/50, the package that exceeds Mississippi’s limits

Company	Monthly	Yearly
Progressive	$113	$1,357
SAFECO	$141	$1,688
Allstate	$272	$3,269
Average of the three	$175	$2,104

We did not price a policy at exactly 25/50/25 with collision and comprehensive attached, so the 50/100/50 rows above are the closest stand-in for a shopper who wants damage coverage on their own car. If that policy is what you want, spell out the limits and the deductible when you ask for quotes.

Seven Ways to Cut Your Mississippi Auto Insurance Bill

1. Quote Progressive and SAFECO side by side. Progressive is lowest in 150 of 153 ZIP codes for full coverage, yet SAFECO wins 3 of them and 5 at 50/100/50.
2. Do not stop at one company. Allstate’s full-coverage price is $158 a month above Progressive’s, and it is the cheapest in none of the 153 ZIP codes.
3. Match the package to the job. Liability Only 25/50/25 at $31 protects other people only; Progressive’s 50/100/50 at $113 protects your car too.
4. Have 50/100/50 and full coverage priced together. The gap is $8 a month at Progressive and $8 at SAFECO.
5. Quote from the garaging ZIP code. The three-company average shifts $51 a month between Tupelo’s 38801 and Hazlehurst’s 39083, so enter the ZIP code where the vehicle is parked overnight rather than a workplace or a relative’s address.
6. On the Gulf Coast, shop liability harder. Gulfport’s three ZIP codes carry the state’s three highest Liability Only 25/50/25 averages, $72 to $73 a month.
7. Ask every company which discounts apply. Raising the deductible, bundling policies or prepaying the year can change a quote; our prices all use $500 deductibles.

Mississippi Car Insurance Quotes: Keep These Five Things the Same

Everything above describes a single modeled driver. A live quote reacts to your vehicle, your history, who lives in your home and where the car sleeps, so a fair comparison keeps these steady:

• Identical liability limits on every quote, 25/50/25 at the least.
• A single deductible for collision and comprehensive, asked for everywhere.
• A line-by-line read of what each quote adds, beyond the total.
• Matching driver, car and overnight address entered on every application.
• Packages before prices: a $31 Liability Only 25/50/25 quote has no damage coverage for your car, while a $113 50/100/50 quote does.

We priced the sample driver with good credit. The credit scoring page of the Mississippi Insurance Department describes how Mississippi treats credit scores in car insurance, and the FAQ below gives the rule in a sentence.

How These Mississippi Prices Were Built

For every price here, Quadrant Information Services takes one driver and one vehicle, applies each insurer’s filed rate tables and underwriting rules, and reports the resulting premium. We then compare and average the Mississippi results; the filings behind them were current on Sept. 30, 2026.

• The profile: an unmarried man of 40 who has driven legally for 24 years, carries good credit and has no violations or claims on record. The vehicle: a paid-for 2024 Toyota Camry LE used for personal driving only. No other driver is rated.
• The packages: Liability Only 25/50/25 leaves the driver’s own vehicle uncovered and matches Mississippi’s liability limits. The 50/100/50 package caps injury payouts at $50,000 for each person and $100,000 for the whole accident, caps property damage at $50,000, and attaches $500 collision and comprehensive deductibles. Full coverage keeps the $500 deductibles but raises liability to 100/300/100. Medical payments and personal injury protection were not built into any package, so none of the prices includes either one.
• The sample: 153 ZIP codes spread over 67 Mississippi counties, every one priced by all three ranked insurers, for 459 prices in each package.
• The arithmetic: where an insurer comes back with several prices for one ZIP code, only the cheapest counts. Statewide, county and ZIP figures give the three insurers equal weight. Monthly figures equal yearly premiums over 12, rounded to the nearest dollar, and monthly gaps subtract the rounded figures.
• Who gets named: to qualify, an insurer has to price half or more of the state’s ZIP codes; a runner-up only a few dollars behind the leader would share the name. Mississippi has no near-tie, so each package names one company.
• Shown apart: Mississippi Farm Bureau, the name in Quadrant’s data, priced all 153 ZIP codes. It appears only in its separate box and never enters a ranking, an average or a county or ZIP table. We removed no other insurer, ZIP code or county; the 49 unranked counties remain inside the statewide averages.
• A short list: a ranking of three is a thin market. GEICO is absent from the Mississippi data, and companies we did not price may also sell policies in the state.

Treat this as a benchmark for one modeled driver; your own premium depends on location, vehicle, record, chosen coverage and available discounts.

Mississippi Car Insurance Questions, Answered With Our Rate Data

Is $200 a month a lot for car insurance in Mississippi?

Not when you shop around. The lowest full-coverage quote in a ZIP code, among the three insurers we compared, is under $200 a month in 153 of 153 Mississippi ZIP codes and under $150 in 148 of 153, with those lowest quotes running from $90 to $164. Read that as the lowest quote available in each ZIP code from the compared insurers, not the bill of a typical driver. The three-insurer average is $183, so $200 sits $17 above it; Allstate’s $279 is above $200 while Progressive and SAFECO are below.

Who has the cheapest car insurance in Mississippi right now?

Among the three insurers we compared, Progressive, on rates as of Sept. 30, 2026: $121 a month for full coverage, $113 for 50/100/50 and $31 for Liability Only 25/50/25. SAFECO is second at $149, $141 and $53. Progressive has the lowest full-coverage price in 150 of 153 ZIP codes and the lowest Liability Only 25/50/25 price in all 153. Mississippi Farm Bureau is priced too, but its numbers sit in their own box.

Which is cheaper in Mississippi, Progressive or SAFECO?

Progressive, at all three levels. Full coverage runs $121 a month against SAFECO’s $149, a $28 difference; 50/100/50 runs $113 against $141 ($28); and Liability Only 25/50/25 runs $31 against $53 ($22). Counting ZIP codes, Progressive tops full coverage in 150 and SAFECO in 3. GEICO is missing from our Mississippi data, so this pairs the two cheapest insurers we priced.

Why is car insurance so expensive in Mississippi?

We can show where Mississippi prices are high but make no claim about causes. The three-insurer full-coverage average is $183 a month, $62 above Progressive’s $121, with Allstate’s $279 lifting it. County averages stretch from $160 in Lowndes County to $205 in Copiah County, and ZIP codes from $158 in Tupelo’s 38801 to $209 in Hazlehurst’s 39083. The Mississippi Insurance Department lists the state’s liability limits as 25/50/25.

What is the minimum car insurance in Mississippi?

Mississippi sets auto liability at 25/50/25 and has done so since Jan. 1, 2006, according to the Mississippi Insurance Department. In practice: $25,000 toward one person’s injuries, $50,000 toward all injuries in the accident, and $25,000 toward property. Priced by Progressive at $31 a month, our Liability Only 25/50/25 package uses exactly these limits; 50/100/50 is higher on all three.

Is 50/100/50 enough car insurance in Mississippi?

50/100/50 is above Mississippi’s 25/50/25 liability limits: its injury limits are double (50/100 versus 25/50) and its property damage limit is $50,000 versus $25,000. Whether that is enough depends on your assets and vehicle, which this page cannot assess. Progressive prices it at $113 a month, between $31 for Liability Only 25/50/25 and $121 for full coverage. The $82 step up from liability only adds higher limits and collision and comprehensive at a $500 deductible.

How much is full coverage car insurance in Mississippi?

In our data, full coverage means liability of 100/300/100 and $500 deductibles on collision and comprehensive. Progressive is lowest, at $121 a month ($1,456 a year); SAFECO is $149 ($1,792) and Allstate $279 ($3,351); the three average $183. PIP and medical payments sit outside every price shown.

Is liability coverage full coverage?

No. Liability is the part of a policy that pays third parties for injuries and damage you cause; full coverage is an informal label for liability plus collision and comprehensive; those two pay for your car, not the other driver’s. In our Mississippi data Progressive prices Liability Only 25/50/25 at $31 a month and full coverage at $121, a $90 difference; the three-insurer averages are $60 and $183.

Can insurers use my credit score to set car insurance prices in Mississippi?

Yes, with restrictions. The Mississippi Insurance Department says an insurer cannot decline, refuse to renew or cancel personal insurance based solely on a credit score, and a federal adverse-action notice is required. Our prices assume good credit, so we have not priced what a lower score would do to a quote.

How much does car insurance cost in Mississippi on average?

Across Progressive, SAFECO and Allstate the sample driver averages $183 a month, or $2,199 over the year, for full coverage and $175 ($2,104) for 50/100/50, while Liability Only 25/50/25 averages $60 ($724). The lowest figure we found is Progressive’s $121 for full coverage. These were the Sept. 30, 2026 rates; your own quote will move with your car, record and address.

Where is car insurance cheapest in Mississippi?

In our data the lowest full-coverage prices cluster around Tupelo and Columbus: Lowndes County† averages $160 a month and Lee County $163, and Tupelo’s 38801 is the lowest ZIP code at $158. The highest are Copiah County† at $205 and Hazlehurst’s 39083 at $209. A † flags a county built on only three or four ZIP codes.

Why is Mississippi Farm Bureau shown separately?

Every Farm Bureau company is kept out of the rankings, averages and tables on this site, so Mississippi Farm Bureau gets its own box. It priced all 153 ZIP codes, at $197 a month for full coverage, $57 for Liability Only 25/50/25 and $187 at 50/100/50. Each one is above the price of the insurer we name at that level.

How many insurers are in the Mississippi comparison?

Three: Progressive, SAFECO and Allstate, each priced in all 153 ZIP codes we ran, which makes Mississippi a thin market in our data. Mississippi Farm Bureau was priced as well and is shown separately. GEICO is missing from our Mississippi data, and companies we did not price may sell policies in the state, so a quote from an insurer you already know is worth adding.

How do I get a Mississippi car insurance quote?

A quote box on this page will start a request, or you can call insurers yourself; give each one the same liability limits (25/50/25 or higher), the same deductible and an identical driver and vehicle. Progressive had the lowest full-coverage price in 150 of our 153 ZIP codes and SAFECO in the other 3, so both deserve a place in every comparison.