Updated: November 18, 2024
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In Mississippi, Nationwide leads overall in MoneyGeek's ratings, excelling in both customer satisfaction and affordability. If minimum coverage is your priority, State Farm is the top pick. But Progressive offers the best scores for those with teen drivers.
For people prioritizing cost, MoneyGeek also analyzed the cheapest car insurance in Mississippi.
Best Car InsuranceMississippiBest Car Insurance in Mississippi
Why Trust MoneyGeek? We created an insurance scoring system for providers in Mississippi based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Mississippi.
Nationwide is the best car insurance company in Mississippi with a a MoneyGeek score of 89. Scores among insurers with ratings range from 89 to 67, reflecting the performance of various companies in MoneyGeek's baseline scoring system. These scores may vary for different types of drivers, because each individual's profile can influence the insurer's performance metric.
How does MoneyGeek score companies?
MoneyGeek’s evaluation methodology emphasizes customer satisfaction and affordability as primary factors when arriving at overall scores. A significant emphasis is also placed on claims experience and available coverages. These elements together create a holistic view of an insurer's performance, aiding consumers in their decision-making process.
While assessing insurers, some did not qualify for a MoneyGeek score due to incomplete data across all scoring categories. Notably, Mississippi Farm Bureau is recognized for its leading performance in non-claims customer satisfaction and affordability within the state, despite not having a complete score.
| Nationwide | 89 | $799 |
| State Farm | 85 | $854 |
| Travelers | 82 | $1,017 |
| Direct General Insurance | 75 | $778 |
| Shelter | 75 | $1,459 |
| Allstate | 75 | $1,233 |
| Progressive | 71 | $1,468 |
| GEICO | 67 | $1,359 |
| Mississippi Farm Bureau | No Data | $724 |
Nationwide is the best option in Mississippi for best full coverage car insurance, scoring the highest in its comprehensive evaluation.
Nationwide distinguishes itself with exceptional affordability and claims handling, contributing significantly to its high MoneyGeek score. Its balance of cost-efficiency and customer service excellence sets them apart in Mississippi's competitive insurance market.
Mississippi has different car insurance providers offering a range of cost and service experiences. For individuals looking to prioritize comprehensive insurance that meets their budget, MoneyGeek has also compiled data on the companies that offer the cheapest full coverage car insurance in Mississippi.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Excels in cost, ranking 3rd with an average annual premium of $799 for full coverage.
Offers rare coverages like Identity Theft Coverage and common coverages like Roadside Assistance.
Only 3rd-cheapest in Mississippi.
Does not offer Original Equipment Manufacturer (OEM) coverage.
Nationwide's high MoneyGeek score is greatly influenced by its stellar Satisfaction and Coverage ratings, suggesting customers are pleased with its service and options. The company provides Rental Car and/or Travel Reimbursement as well as Roadside Assistance. Nationwide offers reasonably common coverages such as Accident Forgiveness, Gap Insurance and Deductible Modification, which enhance policy value. Though it may lack certain rare coverages, Nationwide's strengths are evident in its high scores for satisfaction (32 out of 35) and coverage (10 out of 10), showcasing their commitment to customer service and comprehensive offerings.
Nationwide stands out with Identity Theft Coverage, a rare coverage that protects customers from the financial and personal burdens of identity theft, a pressing concern in today's digital age. Additionally, the Total Loss Deductible Waiver offers peace of mind by waiving the deductible if your car is declared a total loss. The insurer's emphasis on consumer satisfaction and thorough coverage options underlie its impressive MoneyGeek score of 89.
Shelter is the best option in Mississippi for exceptional customer service in car insurance. When choosing the right car insurance provider, two companies stand out for their high MoneyGeek scores:
Shelter has the most outstanding customer satisfaction and claims handling performance in Mississippi. But its annual premium is nearly twice that of Nationwide, indicating that consumers pay a premium for its superior consistency in service experience.
In Mississippi, a mix of companies offer varying levels of customer satisfaction and claims experiences. Choosing a car insurance provider with a proven track record for dependable customer service and claims handling will facilitate the process from policy purchase to the management of potential claims.
Ranks 1st in state for claims handling.
Offers New Car Replacement.
Does not offer Original Equipment Manufacturer (OEM) coverage.
Travelers Insurance has top marks in affordability and claims, both contributing significantly to its impressive MoneyGeek score of 93. With an average annual premium of $1,090, the company strikes a balance between cost and quality coverage.
For Travelers policyholders with New Car Replacement facing a total loss within the first five years, they can get a new car of the same make and model, minus the deductible. This coverage extends beyond the actual cash value, countering depreciation and providing peace of mind. Additionally, Travelers excels in customer satisfaction (28 out of 35), with competitive affordability (30 out of 30) and perfect claims handling (20 out of 20) making it a top choice for discerning policyholders seeking robust support and reliability.
State Farm is the best option in Mississippi for drivers seeking minimum coverage car insurance.
State Farm stands out due not only to its superior affordability but also its strong showing in claims handling and customer satisfaction metrics. For minimum coverage policies representing the minimum insurance required by law in Mississippi, State Farm offers an annual premium of $299.
While many companies in Mississippi offer cheap minimum coverage car insurance, consumers should be aware that choosing only the minimum required can leave them underinsured. Such policies often carry higher risks because they may not cover the full extent of potential damages or losses incurred in an accident. Weigh the benefits of lower premiums against the potential cost of insufficient coverage.
Offers reasonably common and rare discounts.
Ranks 2nd for cost, average annual premium of $299.
Ranks 2nd for customer satisfaction.
Ranks 4th for claims handling.
State Farm leads with high MoneyGeek scores in affordability and satisfaction. The average annual premium is low, at only $299, offering significant savings to drivers. State Farm's array of discounts showcases its commitment to providing value and meeting a wide variety of driver needs. It includes common offerings like Bundling, Multiple Car, Good Student and Safe Driving. It also offers a reasonably rare New Vehicle discount, beneficial for those with recent models, and a very rare discount for Daytime Running Lights, enhancing safety and savings.
State Farm boasts a top-notch affordability score at 40 (out of 40) and a satisfaction score of 19 (out of 25), cementing its reputation for quality coverage and stable financial standing with a stability score of 5 (out of 5). These strengths contribute to its exceptional overall MoneyGeek score of 85.
Driver age is a significant determinant of car insurance rates in Mississippi, influencing the cost and the suite of coverages and discounts offered. MoneyGeek found that Progressive, with a score of 89, excels for teenage drivers with its balance of affordability and satisfaction at an annual premium of $513.
Nationwide stands out for both young adults and seniors, scoring 90 and 87, respectively, offering strong claims handling and stability with premiums of $1,124 for young adults and $846 for seniors. These insurers provide the best options according to the combined effectiveness of cost and service for each age group.
Best for teens: Progressive
Best for seniors: Nationwide
Best for young adults: Nationwide
Progressive is the best option in Mississippi for providing car insurance for teens. The top-ranked insurers are:
Progressive stands out primarily due to its remarkable affordability and satisfactory claims handling, making it great choice for families adding a teen driver to their insurance policy. A teen policy with Progressive costs only $513 annually, emphasising how much more affordable it is to add teens to a family policy rather than to obtain a separate one. To find cheap car insurance for a teen in Mississippi, considering Progressive could be a wise decision.
Adding a teen to your car insurance policy in Mississippi, as in other states, can be expensive due to their lack of driving experience and the higher statistical likelihood of filing a claim. Insurers evaluate these factors as indicative of increased risk, which typically leads to higher premiums to offset the potential cost of more frequent and costly claims.
Offers Distant Student and Good Student discounts.
Ranks 1st in state for cost, average annual premium $513 for full coverage.
Ranks 4th in state for non-claims customer satisfaction.
Missing Driver's Education discount.
Progressive leads with a stellar MoneyGeek Score of 89, with top-notch coverage and affordability scores of 10 (out of 10) and 30 (out of 30), respectively, driving its excellent performance. Families with young drivers will appreciate Progressive's inclusive discount policy, offering both Distant Student and Good Student discounts.
Progressive caters to young drivers through valuable discounts such as the Good Student discount, which rewards academic excellence, and the Distant Student discount for students living away from home, which can help reduce costs for families. Additionally, Progressive offers rare coverage options like Custom Parts Coverage, protecting those who have invested in customizing their vehicles, and Pet Coverage, providing peace of mind to pet owners with coverage for pet injuries. These rare coverage options demonstrate Progressive's commitment to cater to a wide variety of customer needs, affirming its position as a top insurance choice.
Nationwide is the best option in Mississippi for seniors seeking reliable car insurance. The top providers for seniors are:
Nationwide stands out with its impressive blend of high customer satisfaction, cost-effectiveness and robust claims handling — paramount for seniors who prioritize great service and value. Seniors looking for cheap car insurance in Mississippi can expect to pay around $846 annually with Nationwide, which may be slightly higher, reflecting the tailored nature of coverage for this age group. For cheap car insurance for a senior in Mississippi, Nationwide leads with a balance of affordability and quality coverage.
Senior car insurance rates in Mississippi are competitive and may not always surpass those of middle-aged drivers. MoneyGeek's rankings include rates for seniors in their 60s, and while insurance costs might increase for those in their 70s and 80s, the financial transition can be managed without compromising on quality coverage.
Offers roadside assistance and rental car/travel reimbursement.
Ranks 4th in state for cost, average premium $846.
Nationwide sets the benchmark with a MoneyGeek score of 86, primarily due to exceptional satisfaction (30 out of 35) and coverage (10 out of 10) scores. Offering both widespread coverages like Roadside Assistance and Rental Car Reimbursement, Nationwide balances strong performance across categories. With an average annual premium of $846, Nationwide's competitive pricing and range of common and reasonably common discounts underscore its value despite not offering a specific senior discount.
For seniors seeking reliability on the road, Nationwide's Roadside Assistance coverage offers 24/7 emergency help, which includes towing, battery jump-starts and more, providing peace of mind for unexpected incidents. Rental Car Reimbursement is invaluable, ensuring transportation continuity after an accident without out-of-pocket rental costs. With Nationwide, seniors enjoy robust protections bolstered by a suite of valuable coverages.
MoneyGeek found that Nationwide is the best option in Mississippi for car insurance for young adults. The leading providers are:
Nationwide distinguishes itself with the highest MoneyGeek score, highlighting its superior claims handling and satisfactory customer service. MoneyGeek's data, specific to drivers in their 20s, underscores Nationwide's ability to deliver quality coverage and service at a competitive price. With an annual premium of $1,124, Nationwide offers young adults in an excellent balance of cost and quality in their car insurance. To find cheap car insurance for a young adult in Mississippi, one can expect to pay slightly more than older, more experienced drivers.
Car insurance for young adults is typically more expensive due to the higher risks associated with inexperience and a greater likelihood of filing claims. Insurers price policies accordingly to offset these risks, which is why young drivers in Mississippi, and across many states, face higher insurance premiums.
Provides Good Student discounts.
Offers Identity Theft Coverage, a rare coverage.
Ranks 4th in state for cost; average annual premium $1,124.
Nationwide's exceptional Affordability and Satisfaction scores result in a high MoneyGeek score. With Good Student discounts available, Nationwide supports young, academically inclined drivers, although it lacks Distant Student and Driver's Education discounts. The availability of essential common coverages such as Roadside Assistance and Rental Car Reimbursement is commendable, though the absence of Accident Forgiveness can be noted as a slight drawback.
Nationwide offers a combination of rare and common coverages to suit various customer needs. The rare Identity Theft Coverage provides added security for drivers, protecting against potential financial and personal damage in the event of identity theft. Gap Insurance covers the difference between the vehicle's value and the loan amount if the car is totaled. Additionally, Total Loss Deductible Waiver adds a layer of financial assurance by waiving the deductible in the event of a total loss. These coverages, coupled with Nationwide's high Satisfaction score of 30 (out of 35) and Affordability score of 27 (out of 30), help solidify its position as a provider that delivers both quality service and value.
State Farm is the best option in Mississippi for drivers with driving offenses, offering an exceptional balance of customer satisfaction, claims service and affordability.
State Farm stands out with an impressive overall MoneyGeek score, mainly due to its high satisfaction and claims handling scores, ensuring that drivers receive quality service in addition to cost-effectiveness. State Farm's annual premium is significantly lower at $971 per year for drivers with offenses, illustrating that finding cheap car insurance as a high risk driver in Mississippi is attainable, despite generally costing more compared with premiums for drivers without infractions.
Insurance premiums tend to be higher for those with driving offenses such as speeding tickets, at-fault accidents or DUIs because these drivers are considered more at risk of future claims. Insurers adjust rates accordingly to account for this increased risk, which is a common practice in Mississippi and other states.
Ranks 2nd for general customer satisfaction.
Ranks 1st for cost; average annual premium $971.
Offers roadside assistance and rental car/travel reimbursement.
Lacks accident forgiveness and new/better car replacement coverage.
State Farm's high MoneyGeek Score of 89 is primarily attributed to its exceptional affordability and satisfaction ratings. With comprehensive options like Roadside Assistance and Rental Car or Travel Reimbursement, State Farm caters to drivers with a checkered past, offering critical assistance when it matters most. Its affordability score of 30, coupled with an average annual premium of $971, marks State Farm as an economical option, particularly for those with driving offenses who often face increased rates.
State Farm offers Roadside Assistance, which includes mechanical labor, towing and delivery of gas or a new battery — a safety net for individuals with a spotty driving history. Its Rental Car or Travel Reimbursement coverage assures you're never stranded, covering rental car costs or travel expenses when your vehicle is inoperable due to a covered loss. The efficacy of their coverages, alongside solid satisfaction (32 out of 35) and claims (16 out of 20) scores, ensures that customers with prior accidents or violations not only receive substantial support but also experience superior service quality.
Travelers is the best option in Mississippi for drivers with new cars seeking top-notch car insurance.
Travelers stands out not only for its high MoneyGeek score but also because it offers vital coverages for new vehicles, which MoneyGeek deems critical — such as New Car Replacement and/or Better Car Replacement. These options can significantly protect the investment in a new car.
Travelers has an annual premium of just $1,090, and opting for an insurer that provides New or Better Car Replacement could be financially advantageous following an accident. This is because, without these coverages, you're only compensated for your car's current value minus depreciation — a difference that could outstrip the higher premium costs.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Leads in affordability for new car owners, with an average annual premium of $1,090 for full coverage.
Offers New Car Replacement, enhancing value for new car owners.
Does not offer Original Equipment Manufacturer (OEM) coverage.
Travelers Insurance has top marks in affordability and claims, both contributing significantly to its impressive MoneyGeek score of 93. With an average annual premium of $1,090, the company strikes a balance between cost and quality coverage.
For Travelers policyholders with New Car Replacement facing a total loss within the first five years, they can get a new car of the same make and model, minus the deductible. This coverage extends beyond the actual cash value, countering depreciation and providing peace of mind. Additionally, Travelers excels in customer satisfaction (28 out of 35), with competitive affordability (30 out of 30) and perfect claims handling (20 out of 20) making it a top choice for discerning policyholders seeking robust support and reliability.
USAA is the best option in Mississippi for car insurance tailored to military personnel, offering a superb blend of customer satisfaction and affordability.
USAA stands out for its combination of stellar customer satisfaction, strong claims handling and exceptionally competitive pricing, making it the top recommendation for current and former military members and their families. With an annual cost of $752, customers who prioritize low rates can also explore the cheapest car insurance in Mississippi for military drivers.
Ranks well in general customer satisfaction.
Ranks 2nd for cost in the state, with an average annual premium of $752 for full coverage.
Offers common coverages such as Roadside Assistance and Rental car/travel reimbursement.
With exceptional satisfaction (35 out of 35) and high affordability (29 out of 30) scores, USAA's MoneyGeek score clearly reflects its commitment to serving military personnel and their families with excellence. USAA provides a competitive average annual premium of $752.
USAA offers a comprehensive range of insurance coverages valuable for drivers. Its Roadside Assistance covers several emergencies, such as towing, jump-starts and lockouts — ideal for those unexpected moments on the road. Additionally, customers can benefit from Rental Car and/or Travel Reimbursement, which ensures mobility and peace of mind while their car is under repair, potentially saving on out-of-pocket rental costs.
The Accident Forgiveness program USAA offers reflects its client-centric approach. Qualifying members can benefit from consistent, safe driving, knowing that their rates won't skyrocket after their first at-fault accident, an assurance that encourages and rewards careful driving habits. These practical coverages demonstrate USAA's dedication to providing tailored and supportive services to its unique customer base.
In Mississippi, the most reputable car insurance providers blend cost efficiency with robust financial health and a history of exemplary customer service. Our team at MoneyGeek has conducted extensive research to identify these top insurers for you. But should you choose to embark on your own evaluation, know the process to ensure a thorough comparison and informed decision. Choosing the best car insurance can be a straightforward and confident choice.
Exceptional customer service is vital for a car insurer in Mississippi, ensuring prompt and fair handling of claims. Prospective buyers are encouraged to consult independent data providers, like JD Power and the NAIC, for comprehensive company evaluations. Shelter, with a MoneyGeek score of 93, leads in customer satisfaction with a score of 39/45 and excels in claims handling with a perfect 30/30.
Mississippi drivers can benefit from comparing quotes to find affordable rates without compromising on service quality. Personal research is key to identifying the most cost-effective options based on individual circumstances. State Farm stands out for minimum coverage in Mississippi with a MoneyGeek score of 85 and an annual premium of $299, offering a balance between affordability and quality service.
It's important for consumers to investigate which insurers offer coverages that align with their needs. Shelter, Progressive, Allstate, Travelers and Nationwide each received a perfect MoneyGeek coverage score of 10, indicating they provide all four key coverages: Rental Car and/or Travel Reimbursement, Roadside Assistance, Gap Insurance and Original Equipment Manufacturer coverage.
Choosing an insurer with a strong financial stability rating is essential to ensure claims are paid out without issue. It's worth researching insurers with top ratings for financial strength. Travelers, State Farm and GEICO each received a MoneyGeek stability score of 5/5, the highest possible, reflecting their A++ rating from A.M. Best and signifying a very low risk of financial failure.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
State Farm is recognized as the best for cheap car insurance in Mississippi, with an annual premium for a minimum coverage policy at $299 and a MoneyGeek score of 85. While minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can find affordable full coverage options by comparing quotes from various insurers.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
