Below are our picks for the best home and auto insurance bundling companies in Mississippi:
Best Home and Auto Insurance in Mississippi
Updated: April 7, 2025
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Key Takeaways
USAA, State Farm and Nationwide are Mississippi's top-rated home and auto insurance companies.
State Farm offers the best home and auto insurance discount, with savings of 14% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in Mississippi is $5,416, about 75% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Mississippi?
| USAA | 94 | $4,538 | $292 |
| State Farm | 83 | $2,660 | $1,012 |
| Nationwide | 78 | $9,496 | $3,735 |
| Allstate | 75 | $2,453 | $392 |
| Travelers | 74 | $7,933 | $953 |
State Farm: Best Cheap Home and Auto Insurance in Mississippi
State Farm offers the best affordable home and auto insurance bundle in Mississippi, saving customers $1,012 a year. The company provides several discounts for homeowners and drivers, including its Drive Safe and Save program that can reduce car insurance costs by up to 30%. State Farm ranks seventh in J.D. Power ratings for home and auto insurance.
| Auto | $1,134 | $191 | 14% |
| Home | $1,526 | $821 | 35% |
USAA: Best Home and Auto Insurance in Mississippi for Military
USAA is the best home and auto insurance company for military members and their families, with the third-lowest rates in Mississippi. The company offers various discounts, including its SafePilot telematics program. J.D. Power rates USAA as the state's top home and auto insurer.
| Auto | $757 | $30 | 4% |
| Home | $3,781 | $262 | 6% |
Allstate: Best Home and Auto Insurance Coverage Options in Mississippi
Allstate offers the lowest home and auto insurance rates in Mississippi and provides stackable discounts, including its Drivewise program that can save drivers up to 40% on car insurance. The company also features unique coverage options, such as accident forgiveness and new car replacement.
| Auto | $1,353 | $103 | 7% |
| Home | $1,100 | $289 | 21% |
Mississippi Home and Auto Insurance Cost
Mississippi residents typically pay $451 monthly for home and auto insurance, above the national average of $258. Depending on the provider, monthly rates range from $204 to $791.
| Mississippi home and auto insurance bundle | $5,416 | $-2,322 | 75% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Mississippi Home and Auto Insurance Quotes Without Bundling
Though our research shows bundling home and auto insurance in Mississippi costs more, your quotes may vary. Below are the average costs of all coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| USAA | Allstate | $2,175 |
| Nationwide | Allstate | $2,545 |
| State Farm | Allstate | $2,714 |
| Travelers | Allstate | $2,814 |
| USAA | State Farm | $3,134 |
| Nationwide | State Farm | $3,504 |
| Travelers | State Farm | $3,773 |
| Allstate | State Farm | $3,803 |
| Nationwide | USAA | $5,199 |
| State Farm | USAA | $5,368 |
| Travelers | USAA | $5,468 |
| Allstate | USAA | $5,499 |
| USAA | Travelers | $8,247 |
| Nationwide | Travelers | $8,617 |
| State Farm | Travelers | $8,786 |
| Allstate | Travelers | $8,917 |
| USAA | Nationwide | $12,861 |
| State Farm | Nationwide | $13,400 |
| Travelers | Nationwide | $13,500 |
| Allstate | Nationwide | $13,531 |
Should I Bundle Home and Auto Insurance in Mississippi?
For Mississippi drivers, bundling home and auto insurance is often more costly than buying them separately. Evaluate your coverage needs and financial situation to determine the best option.
Individual policies cost less in Mississippi
In Mississippi, buying separate home and auto insurance policies can save you money. The cheapest annual cost without bundling is $2,175, while bundling costs $2,453.
Bundling makes policy management convenient
Having all your policies in one place allows you to manage everything through a single account, simplifying your insurance experience.
It might be better not to bundle in Mississippi
Choosing separate policies can save you money and offer more flexible coverage options.
Best Auto and Home Insurance in Mississippi: Bottom Line
In Mississippi, Allstate, State Farm and USAA are top choices for home and auto insurance. However, buying separate policies typically costs less. Compare different companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Mississippi: FAQ
Find expert answers to common questions on Mississippi home and auto insurance here:
Who has the best home and auto insurance in Mississippi?
State Farm is the top choice for most Mississippi drivers bundling home and auto insurance. USAA is best for military members and their families, while Allstate offers the best coverage options.
Who has the cheapest home and auto insurance in Mississippi?
Allstate offers Mississippi's most affordable home and auto insurance bundle at $2,453 per year, saving customers $392 below the state average.
How much does home and auto insurance in Mississippi cost on average?
Mississippi's average home and auto bundle costs about $5,416 yearly, 75% above the national average. The cheapest bundle option is around $2,453, while the most expensive costs about $9,496 a year.
Is bundling home and auto insurance cheaper in Mississippi?
Bundling home and auto insurance typically costs more in Mississippi, based on our research. While the cheapest option may be appealing, ensure you have adequate financial protection.
Best Auto and Home Insurance Bundle in Mississippi: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Mississippi Insurance Department and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Mississippi
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Mississippi
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.