Temporary Car Insurance in Mississippi

If you own a car, you may be able to get temporary car insurance by obtaining a policy and canceling it within six months. The average cost of a three-month policy in Mississippi is $278.

If you're visiting Mississippi or don’t own a car but need to drive, rental car insurance might be your best option.

MoneyGeek also analyzed other scenarios in which temporary car insurance may be beneficial, such as getting non-owner insurance to reinstate your license or working for a ridesharing service.

In Mississippi and in various states, temporary car insurance can have a variety of meanings. A driver who owns a car can opt to get a full car insurance policy and then cancel it early. Those who don’t own a car could be better off getting rental car insurance or non-owner auto insurance.

Reputable car insurance companies in Mississippi and other states only sell policies with a six-month term minimum. On average, a six-month insurance policy in Mississippi costs around $556. To get insurance for a shorter period, you can cancel your policy early. Most major providers will refund the premiums for what’s left of the term.

A 90-day car insurance policy in Mississippi costs an average of $278, which is half as much as the six-month policy.

If you use this strategy, MoneyGeek recommends that you avoid lapses in your insurance coverage to avoid incurring hundreds of dollars in extra costs each year.

​​MoneyGeek determined the cost of auto insurance in Mississippi for a six-month, three-month and one-month policy.

On average, the following insurance companies in Mississippi offer the most affordable auto insurance for a 90-day policy:

• Travelers: $220 per 90 days
• Mississippi Farm Bureau: $222 per 90 days

MoneyGeek excluded cancellation fees in these figures since most prominent insurance carriers in Mississippi do not charge cancellation fees and will provide refunds for the unused months of coverage.

If you already have Mississippi auto insurance but need to add or reduce your coverage, the best course of action could be to alter your current policy. Short-term auto insurance is a common concern for parents who have a teenager going away for college, individuals who need to store their vehicle and those lending their car to others.

In Mississippi, if your child lives with you, you have to add them to your car insurance policy. This can be expensive. MoneyGeek found that the average yearly cost of adding an 18-year-old to an existing insurance policy in Mississippi is $2,570.

To save money on your car insurance, you can consider taking your young student off your policy for part of the year if they reside more than 100 miles away, using distant student discounts or just keeping them on your insurance policy.

MoneyGeek found that adding a student for two months over the summer costs an average of $428, compared to an average of $2,570 for a full year of coverage.

Nationwide offers the most savings for temporarily removing a student from your policy.

If you have to temporarily store your car in Mississippi and want to save money, you can either switch to comprehensive-only coverage or get a car storage discount.

Switching to comprehensive-only coverage allows you to save money while storing your car by removing liability insurance coverage. In Mississippi, comprehensive and collision insurance with a $1,000 deductible costs an average of $395 per year, compared to an annual average of $798 for a policy that includes minimum liability insurance.

USAA may be a good option if you're a military member on active duty. It provides a car storage discount and a cheap insurance policy that averages $646 annually.

If you let someone else from your household drive your car, you’ll need to include them in your policy. On the other hand, if you give someone outside your home permission to drive your car, you won’t need to make any adjustments since they will already be covered by your policy.

You don’t need to purchase car insurance if you’re temporarily renting a car in Mississippi. You can opt to purchase rental car insurance from the rental company. Almost all car rental companies offer basic liability insurance and the option to add supplemental liability insurance, collision damage waivers and personal accident insurance.

Adding all these coverages typically costs an average of $46 and $58 a day depending on the insurance provider. However, based on your needs, you may be able to mix and match coverages to save money.

MoneyGeek collected data in Jackson, Mississippi and found that rental car insurance costs an average of $46 and $58 per day, depending on the company. Enterprise costs $46 per day, Avis charges about $57 and Hertz costs about $58 per day on average for rental car insurance that includes collision damage waiver, supplemental liability and personal accident insurance.

If you have your own car insurance policy, you may already have liability, collision and medical payments coverage, so you may not need to purchase these coverages again.

Additionally, many credit card providers offer collision damage waiver coverage for rental cars. So, you can save money if you already have this coverage from your credit card provider.

Non-owner car insurance is an ideal option for those who do not own a car but need proof of coverage or an SR-22 filing to reinstate their license. In Mississippi, the average cost of non-owner auto insurance is $511 annually.

Non-owner car insurance is the cheapest way to get insured for drivers who do not own a car but are required by law to get an SR-22 in Mississippi.

Mississippi rideshare drivers are insured when they receive fares or transport passengers. However, they have a temporary gap in coverage between trips. This is when ridesharing insurance coverage comes into play. However, it is important to remember that ridesharing insurance coverage is not available in all states.

MoneyGeek evaluated the top insurers to help you find the best rideshare insurance in Mississippi.

If you want to learn more about short-term car insurance, these answers to some of the most frequently asked questions about how to get temporary car insurance in Mississippi might be helpful.

Car insurance and non-owner car insurance quotes across Mississippi were compiled in collaboration with Quadrant Information Services. As stated on our methodology page, the policies were for a 40-year-old driver and full coverage. The cost for adding a student represents the average cost of adding an 18-year-old driver to a policy.

Numbers related to the costs of one-month and three-month policies were calculated by MoneyGeek on a prorated basis with the assumption that the insurance company will provide a full refund. MoneyGeek manually collected rental car insurance costs in Mississippi using Avis’, Enterprise’s and Hertz's online resources.