Progressive offers the most affordable non-owner car insurance for drivers with clean records in Mississippi at just $28 a month. Use the table below to compare other cost-effective choices.
Cheapest Non-Owner Car Insurance in Mississippi
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Mississippi: Key Takeaways
State Farm has the cheapest non-owner SR-22 car insurance in Mississippi for drivers with a driving incident, with an average monthly cost of $40.
Non-owner car insurance covers you when driving a car you don't own, as long as you meet Mississippi's minimum coverage requirements.
Non-owner insurance is for drivers who frequently borrow or rent cars or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Mississippi
| Progressive | $330 | $28 |
| State Farm | $429 | $36 |
| Travelers | $524 | $44 |
| GEICO | $550 | $46 |
| Nationwide | $611 | $51 |
Cheapest Non-Owner SR-22 Car Insurance in Mississippi
State Farm provides Mississippi's cheapest SR-22 non-owner policy at $40 monthly, below the state average of $56 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $483 | $40 |
| Progressive | $593 | $49 |
| Travelers | $656 | $55 |
| Nationwide | $725 | $60 |
| GEICO | $897 | $75 |
How Much Is Non-Owner Car Insurance in Mississippi?
Mississippi's average monthly non-owner car insurance cost is $37 monthly, less than the national average of $43. The average SR-22 premium is $56, above the national average of $48. Your premium will depend on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Mississippi Average Cost
Monthly Premium
$37Non-owner car insurance in Mississippi is cheap:$6 saved
This is 14% less expensive.
Mississippi Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is the right choice. It covers the basics, typical costs and who benefits most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is right for you. It covers injuries or damage you might cause to others while driving. It's more affordable than standard policies. Check out how it compares to regular policies below.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Mississippi Allow Non-Owner Car Insurance?
Mississippi permits non-owner car insurance for residents who drive but don't own a vehicle. If you need proof of minimum coverage, especially after a traffic violation, you can purchase this insurance and file an SR-22.
MISSISSIPPI MINIMUM INSURANCE REQUIREMENTS
Mississippi's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Sometimes, the least expensive option doesn't provide enough protection. Evaluate how much coverage you need before deciding.
Should You Get Non-Owner Car Insurance in Mississippi?
Non-owner car insurance is ideal for drivers who don’t own a car but drive occasionally. It is affordable and meets state minimum coverage requirements when borrowing or renting a vehicle. This coverage helps maintain continuous insurance, preventing higher costs later on.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Mississippi, as they're often fraudulent. For safer alternatives, consider buying temporary coverage through car rental companies when you need short-term insurance, like for a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance protects against liability for accidents during vehicle use without being on the owner's policy.
Occasional renters
Non-owner insurance offers coverage during rental periods, making it a more affordable alternative to rental company insurance.
Drivers between cars
Non-owner insurance maintains continuous coverage, which can prevent future premium increases due to a coverage lapse.
License reinstatement-seekers
Drivers seeking license reinstatement often must prove financial responsibility. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility (CFR) is a form that insurance companies file with your DMV to prove you have the state minimum coverage. You might need it if you've had an incident like a DUI or driving without insurance.
Cheap Non-Owner Car Insurance in Mississippi: Bottom Line
Mississippi drivers can get non-owner car insurance, even those who need SR-22 forms. Progressive is the cheapest option, with State Farm and Travelers offering competitive rates. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Mississippi: FAQ
Find answers to common questions about non-owner car insurance in Mississippi below.
Which company offers the cheapest non-owner car insurance in Mississippi?
Progressive offers the most affordable non-owner car insurance in Mississippi at $28 per month. State Farm provides the cheapest SR-22 rate at $40.
How much does non-owners car insurance cost in Mississippi?
Non-owner car insurance in Mississippi costs an average of $448 annually or $37 monthly. The average annual cost for drivers requiring an SR-22 is $671 or $56 monthly.
Mississippi Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Mississippi auto insurance rates by collecting data from the Mississippi Insurance Department and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Mississippi using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Mississippi
To find the best and most affordable companies for non-owner car insurance in Mississippi, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
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.