Best Mississippi Car Insurance Quotes
Cheap Car Insurance in the Magnolia State
If you’re here and looking for car insurance in Mississippi, you are probably well aware of how important car insurance is. We promise to introduce you to the best car insurance rates and the top insurance policy for you!
Your Mississippi car insurance rate is based on so many things, and through your accidents and citations factor in, these are not necessarily the only things that determine your premium. With 1.9 million drivers on the road in Mississippi, getting the right car insurance protection is important for your safety and your pocket.
Getting our Mississippi drivers the best auto insurance available is important to us, and we have quotes available that fit almost any budget. Getting you a policy that will allow you to meet you and your family’s needs is super important. The state minimums aren’t always enough for the kind of coverage you need – we help you make sure you’re not paying out of pocket for a serious accident.
Mississippi Auto Insurance Minimum Required Coverage
Every state has some sort of minimum auto insurance requirement. In Mississippi, you’ll need to get bodily injury insurance, property damage insurance, and uninsured auto insurance as well according to the state law. We’ll discuss each part of the standard auto policy full coverage below in another section, but first, you should get informed about the minimums.
Bodily injury liability – $25,000 person/$50,000 accident
If you wreck your car and someone else is injured, BI can help protect you. This goes for anyone who’s driving your car with permission or anyone on the policy – if one of these people gets into an accident and causes bodily injury to someone else, this part of your policy covers the liability.
Property damage liability – $25,000/accident
Mississippi also requires $25,000 of property damage liability protection. This will help repair or replace the property that is damaged if you or a driver of your car is found responsible for an accident.
Underinsured/Uninsured Insurance
Uninsured or underinsured insurance is an absolute must for all Mississippi drivers. If you come across drivers without insurance or even not enough insurance that damages your vehicle, you’ll want to have full coverage for that. As your vehicle is a necessity, you might not have the funds or the nerves to sit through the tiresome court battles, and in the end, you will still need the money to cover the damages. This type of insurance in your full coverage will help you cover it.
How Much Will I Pay for Auto Insurance in Mississippi?
Average car insurance policies in Mississippi vary drastically. It can come to around $1800 a year (higher than the national average), which is why we’ve made finding cheap car insurance our top priority.
However, it is important to know that different factors affect car insurance rates and what each person will pay is highly individual and differs from case to case. Insurance companies you choose to do your business with, even the state of your vehicle, affect how much you’ll pay. Therefore, a summary of the things you’ll need to pay attention to when buying car insurance is here:
Age Groups
Age groups help an insurance company determine how much experience a driver has. Young drivers, but especially teen drivers, will get higher average rates than other drivers in Mississippi. If you are wondering why, the answer is quite simple: an insurance company believes that young drivers are inexperienced and are more prone to causing a crash or getting a speeding ticket.
Driving Record
Mississippi drivers should prioritize having a clean driving record. An auto accident or a speeding ticket will stain your driving record and result in you getting higher average rates. Good drivers with a clean driving record will certainly get lower premiums.
Credit Score
Your auto insurance rates will be influenced by your credit score. An insurance company would find your poor credit to be a reflection of your financial habits, and your average rates will be slightly higher. However, even having a poor credit rating does not mean that we won’t be able to find the cheapest options and the cheapest car insurance for you!
Your Vehicle
The state of your vehicle also makes an imprint on the overall cost of your auto insurance and the average rates that you will get. Factors such as color, model, or even your vehicle’s make affect the outcome, that is, the cost!
Location
The closer you get to a metro area, the more you may pay for your auto insurance due to population density. The types of coverage you get on your policy will also protect you all throughout the state and outside the state as well.
If you live in cities like Biloxi and Jackson, you should expect to pay more for full coverage. Metro areas drivers are always expected to have the financial strength to shoulder the extra costs. Here are some of the largest cities in Mississippi where we often write coverage:
- Jackson
- Biloxi
- Tupelo
- Southaven
- Hattiesburg
- Gulfport
Urban areas often have higher average rates, but we’ll make sure to get you the lowest rates possible!
Insurance Company
Different insurance companies offer different insurance products. Drivers looking for car insurance in Mississippi can compare rates, insurance products and get discounts by choosing an insurance company that Insurance Geek is partnered with!
Discounts
There’s always a possibility to get affordable car insurance, and don’t ever be afraid to ask for discounts! To get the cheapest car insurance in Mississippi, you can keep a good credit score and a stable driving record, but you can also take your business to one company only. Insurers appreciate loyal customers!
Get insurance products like home or life insurance for you and a family member to obtain the cheapest car insurance possible!
Get Cheapest Mississippi Car Insurance Quotes
Insurance Geek only works with top car insurance companies to make sure that all of our customers get the cheapest auto insurance available.
We offer our customers to get free quotes by simply entering information into a fill-in form. The entire process is painless and quick, takes about a minute of your time, and you won’t get harassed by different agents with different offers!
We have more than 20 carriers available, among which are Nationwide and Safeco.
By using our calculator, you can get free quotes and compare quotes, and we’ll offer you different coverage policies carefully selected for your individual case. We can offer you multiple quotes from different insurers without any fuss.
If you are in two minds about any insurers or services, don’t think twice – contact an Insurance Geek agent! We’ll be happy to find you a fitting insurer and answer all of your questions.
Can I Get a Discount?
Discounts vary wildly by the carrier. You may see discounts if you are a student, a military member or vet, or if you’re a senior. If you’ve been with the same carrier for a number of years, you’ll likely be eligible for a loyalty discount.
Carriers love when you insure multiple vehicles in the same household, so if you do this, you’ll get what carriers refer to as a “multi-car discount”. You can get a “bundle” discount by utilizing different lines of insurance from the same carrier – for example, health insurance, life insurance, auto, etc.
What Does Car Insurance in Mississippi Include?
Here are the examples of the main kinds of coverages you may find in your policy:
Medical Liability/PIP (Personal Injury Protection)
PIP can help you recover lost wages and pay for the medical bills of you and your passengers in an accident. This type of coverage is advantageous in Mississippi, as it can allow you to pay for any injuries for you or a member in your car.
Uninsured and underinsured
People every day are driving without insurance coverage or with too little. If someone hits you and they don’t have a policy that covers your damages, or they don’t have enough coverage to prevent you from incurring the expense, this type of protection can help you.
Collision
Similar to PIP, collision coverage is there to secure both your property and your vehicle. Potholes, speed bumps, hitting another car, backing up into something. Collisions can happen at any time, and collision coverage can assist you with the expenses associated with a colliding auto incident.
Comprehensive coverage
Comprehensive insurance fixes everything from broken windshields to repairs if you hit a creature in the road to recovering smaller damages to your car. Comprehensive coverage stands for everything else. Cosmetic damages and theft of your property are annoyances that aren’t necessarily covered under collision or other parts of your policy, so comprehensive is a good thing to have. Comprehensive and collision insurance are, therefore, one of the most popular types of’ additional’ coverages.
Bodily injury (BI) liability insurance
Bodily injury liability insurance covers the costs of the other party and their passengers in an at-fault accident. It is recommended to go over the minimum coverage amount in Mississippi if you want to be fully protected. Minimum coverage is $25,000 in Mississippi; however, minimum coverage cannot protect you in absolutely all cases.
Property damage liability insurance
The costs of damage to another person’s property in an at-fault accident are covered by property damage liability insurance. Like bodily injury insurance, property damage should also exceed the minimum coverage amount.
Deductibles
Most auto policies have a deductible of $250, $500, or $1000. Deductibles can be higher, and in these cases, most drivers with $1000+ deductibles are paying very low premiums or are seen by companies as high-risk drivers. Most of our customers have deductibles of around $500.
How Much Coverage in Mississippi Should I Get?
Despite the Mississippi state minimums, we typically recommend 100/300/100 – meaning, $100,000 in BI or bodily injury liability coverage, $300,000 max coverage per accident, and $100,000 in personal property coverage. This will help you pay for your medical and property expenses and those of other drivers or passengers if you get into a serious accident.
How does an accident or citation affect my rates?
Even though you may have heard of “accident forgiveness, it isn’t applicable in all situations. The general rule of thumb is the more accidents or citations you have over time, or the more auto claims you have, the higher the risk you’ll appear to auto insurance companies. The best way to get a good rate beyond utilizing the techniques above is to drive responsibly at all times.
FAQ: Mississippi Car Insurance
Q: What car insurance companies have the best cheap car insurance in Mississippi?
A: Finding a top service insurer with the lowest rates seems like a ludicrous task. However, it is not impossible! To save you some time, we’ve found two companies with exceedingly great services in Mississippi: Nationwide and Safeco. They have a quality offer, affordable prices, and an excellent Financial Strength rating.
Q: How much does car insurance cost in Mississippi?
A: You’ll find that your Mississippi auto insurance rates are affected by a variety of factors. Recent tickets or accidents do matter, as well as your age. As you can probably imagine, older drivers tend to carry less risk in the eyes of most carriers, so more experienced, older drivers pay less. The vehicle color, make, model, and age also matter. Low mileage can also help you save – the newer the car, the less the chance of the car breaking down. Newer cars also mean better safety mechanics in most modern vehicles, so this can lower your premiums as well.
Calculate Mississippi Auto Insurance Rates
Insurance Geek enjoys finding the best car insurance in Mississippi for our loyal customers, as well as fetching the best possible quotes.
Choosing the right car insurance in Mississippi will be one of the best decisions that you’ve ever made.
By just filling out one auto insurance quote, we can get you a variety of quotes from carriers who are all competing to get your business. Rather than spending a day researching online, talking to multiple carriers yourself, or getting rates from all over the place, we do the work for you by producing different potential plans from all our carriers to get you the best possible quote. Let’s get you Mississippi car insurance quotes that you and your family can benefit from with our calculator! We can’t wait to work with you and get you everything you need to drive safely.
If you need more information about insurance companies or cheap auto insurance, make sure to contact us! There is always an Insurance Geek agent ready and available to answer all of your questions or help you solve dilemmas!