Cheapest and Best Non-Owner Car Insurance in Mississippi (2024)

Mississippi non-owner auto insurance provides liability protection for motorists who don't own cars. It can be useful if you frequently borrow someone else's car or require continuing auto insurance coverage. When a driver's license is suspended or revoked due to a violation like a DUI, having non-owner auto insurance may help in the reinstating process.

MoneyGeek discovered that Progressive offers the best and cheapest non-owner auto insurance in Mississippi, balancing affordability with customer service. Meanwhile, State Farm provides the state's cheapest non-owner auto insurance after a violation.

The following providers offer the most affordable non-owner auto insurance in Mississippi:

• Drivers with clean records: Progressive ($28 per month)
• Drivers with violations: State Farm ($40 per month)

You should expect to pay more for car insurance if you have a driving violation on your record. A non-owner policyholder with a spotless driving record can save $12 per month compared to one with offenses.

The following providers offer safe drivers the best rates for non-owner auto insurance in Mississippi:

• Progressive: $28 per month
• State Farm: $36 per month

USAA offers the lowest-priced Mississippi non-owner car insurance at roughly $21 monthly. However, we did not include it in the original rankings because it is only available to military veterans, active-duty members and their families.

Mississippi's $37 monthly average for non-owner car insurance is cheaper than the $43 nationwide average.

The cheapest non-owner car insurance policies for drivers with an SR-22 in Mississippi are offered by the following companies.

• State Farm: $40 per month
• Progressive: $49 per month

USAA offers the most affordable non-owner SR-22 car insurance in Mississippi at $31 per month for military personnel and their eligible family members.

You may need to acquire an SR-22 if you have a driving offense, such as a DUI or an accident in which you were found at fault. Your insurance premiums will increase as a result of the mark on your driving record. Non-owner SR-22 insurance in Mississippi can be had for as little as $40 per month, $19 less than the national average.

If you're a driver in Mississippi but don't own a car, you can still get liability coverage through non-owner auto insurance. Because it lacks collision and comprehensive coverage, it won't pay for your medical bills or repairs to the vehicle you’re driving if you're at fault in an accident, but it will cover the costs of third parties.

If you regularly use rental cars, borrow friends' vehicles or want to avoid a lapse in coverage, non-owner car insurance may be a good idea. Below is a comparison table showing the coverage differences between non-owner and full coverage insurance.

In Mississippi, the average monthly cost of non-owner auto insurance is $37, which is slightly less than the national average for a non-owner car insurance premium ($43 per month). Location is an aspect in determining your premium, but other factors, like age, driving record, coverage limits and the type of vehicle you drive, have a greater bearing on your overall cost.

The three best non-owner auto insurance companies in Mississippi are:

• Progressive: MoneyGeek score 71 out of 100 ($330 per month)
• State Farm: MoneyGeek score 62 out of 100 ($429 per month)
• Travelers: MoneyGeek score 55 out of 100 ($524 per month)

The scores and rankings are based on essential factors like affordability, customer satisfaction reviews from J.D. Power and financial stability ratings from AM Best. To help you in selecting the most suitable insurance provider for you, we have included an overview of each company.

If you don't own a car but rely on rental cars or borrowed vehicles on a regular basis — or if you just want to avoid gaps in your insurance history — non-owner auto insurance is a solid option. You may also need it if you’re trying to restore your revoked driving privileges.

To help you find the ideal non-owner car insurance in Mississippi, we answered some of the most commonly asked questions regarding the subject.