Mississippi Car Insurance [Rates + Cheap Coverage Guide]

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Mississippi Statistics SummaryStats
Road MilesTotal In State: 76,777
Vehicle Miles Driven: 39,890 million
VehiclesRegistered: 2,040,524
Total Stolen: 4,243
State Population2,986,530
Most Popular VehicleFord F-150
Motorists Uninsured23.7%
State Rank: 2nd
Driving Deaths2008-2017
Speeding: 1,219
Drunk Driving: 1,667
Average Premiums (Annual)Liability: $460.50
Collision: $323.22
Comprehensive: $210.33
Combined Premium: $994.05
Cheapest ProviderUSAA

Rich in history and containing one of the largest rivers in the world, Mississippi is known as being the pinnacle of southern culture. Popularly known as the Magnolia State, Mississippi is home to some of the most beautiful riverfronts and plantations in the United States, with large rural agricultural areas and industrial farms.

In such a beautiful place, how do you best protect yourself on the road? There are a fair number of river-fronts and swamps that can make driving difficult during the more rainy times of the year.

We want to help make sure that you are safe in this beauty of a state, but what is the best car insurance that will help protect you? It’s a decision you don’t have to shoulder alone, we’re here to help!

We’ve made up a comprehensive guide covering everything from the most popular car insurance providers in the state, to state rules, to common rules of the road in Mississippi, and more. Keep reading to find out everything you’ll need to know to make the best decision you can for your car insurance needs!

Want to find the best rates? Use our FREE online tool above that will help you compare insurance rates in your area, just put your zip code, it’s that easy!

Mississippi Car Insurance Coverage and Rates

Mississippi requires all citizens to have car insurance, but finding the right insurance can be extremely hard. Researching and searching through thousands of websites can be exhausting, not to mention extremely time-consuming.

You deserve to have all of the information laid out for you in one convenient location. That way you can pick the best coverage and rates that are tailored to your needs.

We have gone ahead and laid out topics such as major coverage types, minimum coverage required, forms of financial responsibility, and more.

Keep reading to learn more about Mississippi car insurance!

– Mississippi Minimum Coverage

Mississippi requires a minimum coverage that your insurance policy must cover in order to legally drive in the state. They operate under a 20/40/10 minimum liability limit. What in the world does this mean for you? Well, below we’ve broken up exactly what this kind of coverage means

  • 20 = $20,000 that can pay for the injuries of just one person
  • 40 = $40,000 that can pay for the injuries of more than one person
  • 10 = $10,000 that can pay for property damage

Mississippi, like a lot of states, places a higher value for the injuries of more than one individual.

So this is the MINIMUM COVERAGE for the state. The way medical costs alone have skyrocketed within the past few years, however, this minimum amount can run out extremely quickly if you happen to find yourself in a bad enough accident. Purchasing insurance above this minimum will ensure the absolute protection for you in the long run.

–Forms of Financial Responsibility

In order to drive your vehicle in the state of Mississippi, you will be required to carry some form of financial responsibility (or proof of insurance) with you whenever you operate a vehicle. What are some situations where you may be asked to provide this?

  • When registering/renewing your vehicle’s registration
  • When asked by a law enforcement officer
  • After an Accident

There are several ways in which you can prove your financial responsibility. Aside from having your standard insurance policy, you can also post a bond through a state licensed company in the amount of your required liability coverage OR you can post a cash/security deposit in the amount of the liability requirements to the Mississippi State Treasurer.

The following are acceptable for providing proof of financial responsibility in Mississippi:

  • Insurance ID Card
  • Certificate of your insurance policy
  • Certificate of Deposit showing cash or security deposited posted with the State Treasurer
  • Proof of your bond

Even for a first time offense, you could be forced to pay a fine of $1,000 or even have your drivers license suspended for a year or until you provide proof of insurance.

How do you avoid all this trouble? Make sure you have your proof of insurance with you at all times while operating a vehicle!

–Premiums as a Percentage of Income

Have you ever heard the term ‘per capita disposable income’ before? It basically means how much income a person has after taxes. So, for example, if you were to make $80,000 per year but after taxes, you end up with $65,000 or so.

This $65,000 would be considered your per capita disposable income. Well, believe it or not, this term can affect the amount you pay as a premium for your insurance.

The average per capita income for the state of Mississippi is $31,365. What does this mean for you? It means that on average, most Mississippi citizens have an average monthly income (after taxes) of $2,613.75. That includes all of your monthly expenses such as food/grocery bills, rent/mortgage payments, health insurance, etc.

Full coverage car insurance in Mississippi is about $957.59 a year, meaning the average monthly full coverage premium is $79.80 in Mississippi.

So in Mississippi, if you were indeed had a per capita disposable income of $31,365 like the average citizen does, you would have to take that annual $957.59 car insurance premium out. To put this into perspective, however, the average annual rate for car insurance countrywide is $981. This means that Mississippi’s car insurance rate is LOWER than the national average. Good job Mississippi!

–Core Coverage

The data listed below comes from one of the leading sources, the National Association of Insurance Commissioners. Rates will most definitely be significantly higher for 2019 and on.

Coverage TypeAnnual Costs (2015)
Liability$460.50
Collision$323.22
Comprehensive$210.33
Combined$994.05

Having the required insurance is vital to operating a vehicle in the state of Mississippi, but keep in mind that just the minimum insurance might not cover you for other things you might not even think about. That’s where additional coverage can come in and assist you, and in the long run you’ll be happy you went the extra mile to protect yourself.

Want to learn more about what kinds of extra coverage you can get? Next, we’ll talk about the main types of coverage options you can add to your basic insurance plan.

–Additional Liability

Loss Ratio201320142015
Medical Payments (MedPay)74.81%77.44%80.03%
Uninsured/Underinsured Motorist Coverage (UUM)69.10%74.67%79.20%

All of the coverages listed in the above table are optional in Mississippi. While it might be tempting to skip them, it’s still important that you have coverage for these things.

These coverage types are some of the most important in the case of an accident. Say, for example, you get into an accident with an uninsured driver. Even worse, let’s say you get injured during this accident.

This means that the uninsured driver will have to pay for everything out-of-pocket. This uninsured driver could likely go bankrupt before they’re able to pay for all of the costs of the accident, meaning that they won’t be able to pay for your medical bills or the damage to your vehicle. Those costs will then fall on you if you don’t have this coverage.

Mississippi is currently ranked as the 2nd most uninsured drivers in the United States! This means that 23.7% of the population of Mississippi isn’t insured!

An absolutely terrifying statistic if you think back to the example above. All of the costs for medical bills and fixing your vehicle would FALL ON YOU, all because you didn’t have the kind of coverage you needed to protect you from these uninsured drivers.

Referring back to the above data, what exactly does a loss ratio mean? Why would this apply to you in this situation? Well, essentially what it means is that an insurance provider that has a high loss ratio (anything over 100%) loses money.

These companies are having to pay out far too many claims and are at high risk of going bankrupt. A company with a negative loss ratio, on the other hand, means they do not pay out enough claims.

As you can see from the data above, Mississippi loss ratios have actually decreased for Uninsured/Underinsured coverage but have increased slightly over the years for MedPay. This is a good thing though!

The top insurance providers in the United States in 2015 had loss ratios ranging from 94-112 percent, Mississippi is lower than this for both Uninsured/Underinsured and MedPay.

What should you take away from this topic? Make sure you get coverage for MedPay and Uninsured/Underinsured Motorist coverage for yourself. In addition, make sure you avoid companies that have too high or too low of a loss ratio.

–Add-ons, Endorsements, and Riders

So now that you know that minimum coverage isn’t going to be enough to protect yourself, what else should you add? There is a staggering amount of add on coverage options you can add, but which ones are worth it?

We’ve made a list of some of the most affordable add on coverage options you can add to your plan. They can be extremely useful add-on options in the case of an accident or any other mishap.

Additional Coverage Options (click on each to learn more about that specific type):

While not essential, or required in the state of Mississippi, they are definitely great coverage options you can add to your policy. You can add as many, or as little, as you desire.

–Demographic Rates in Mississippi

In case you didn’t have enough factors playing into how much you pay for your insurance rates, did you know that your own gender could factor in?

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,759.49$2,635.21$2,463.36$2,519.32$11,031.99$11,772.88$3,133.31$3,215.18
Geico General$2,966.41$2,806.48$2,694.14$2,503.52$7,389.86$6,979.27$4,950.27$2,400.88
Nationwide P&C$2,046.11$2,102.48$1,835.74$1,945.49$4,088.44$5,202.84$2,318.23$2,510.05
Progressive Gulf Ins$2,591.63$2,419.61$2,124.47$2,061.68$9,375.44$10,495.41$2,662.75$2,769.80
SAFECO Ins Co of IL$2,629.22$2,846.39$2,112.59$2,370.20$9,446.38$10,504.45$2,794.00$2,941.24
State Farm Mutual Auto$1,877.59$1,877.59$1,680.17$1,680.17$5,427.70$6,823.62$2,091.75$2,382.03
Travelers Home & Marine Ins Co$1,683.09$1,713.42$1,600.71$1,602.55$7,522.15$11,907.14$1,765.06$2,047.25
USAA$1,385.56$1,371.97$1,293.28$1,308.31$3,448.85$4,091.04$1,689.16$1,861.86

So while it is usually thought that men pay more, it’s actually women who pay more in the state of Mississippi. In the data above, married women seem to be paying more than their spouses are. Age seems to play a huge part in this, however, as you can see that 17-25-year-old single men are paying substantially more than their female counterparts.

For instance, from the data above, a single 17-year-old male would be paying $11,907.14 with Travelers Home & Marine Ins Co., while a 17-year-old girl would only be paying $7,22.15. 

There are some insurers though that are seeing this gender bias and are trying to do away with them. For instance, married males and females (both 35 year olds and 60 year olds) pay the exact same rate with State Farm Mutual Auto!

While gender bias is being addressed, age still continues to play into insurance costs. Typically, the younger you are, the more you pay.

–Highest and Lowest Insurance Rates by Zip Code and City

Just like everything else, where exactly you live can play a role in your insurance costs. Below, we’ve listed the car insurance for each city in Mississippi. Scroll through so you can see where your zip code ranks.

CityZipcodeAverage Cost
HERMANVILLE38601$3,529.60
LORMAN38602$3,613.97
PORT GIBSON38603$3,568.33
NATCHEZ38606$3,732.00
PATTISON38609$3,808.67
FERNWOOD38610$3,410.42
WASHINGTON38611$3,585.69
WOODVILLE38614$3,910.45
CROSBY38617$3,907.93
TOUGALOO38618$3,621.23
LAKESHORE38619$3,766.41
TINSLEY38620$3,735.76
FAYETTE38621$3,733.97
JACKSON38622$3,786.36
UTICA38623$3,989.17
UNION CHURCH38625$3,374.28
CHATAWA38626$3,753.83
HURLEY38627$3,353.55
PRENTISS38628$3,738.19
ROME38629$3,489.04
CENTREVILLE38630$3,994.56
CARSON38631$3,890.85
JACKSON38632$3,682.39
WHITFIELD38633$3,512.62
FARRELL38635$3,565.45
HAZLEHURST38637$3,723.28
DARLING38638$3,619.00
PANTHER BURN38639$3,811.84
GALLMAN38641$3,719.02
FOXWORTH38642$3,638.78
JACKSON38643$3,868.11
GLOSTER38644$3,811.03
CARRIERE38645$3,917.55
KILN38646$3,837.93
JACKSON38647$3,614.30
KOKOMO38649$3,531.38
SILVER CREEK38650$3,381.54
JACKSON38651$3,698.93
RENA LARA38652$3,284.97
JACKSON38654$3,777.42
COLUMBIA38655$3,546.16
BASSFIELD38658$3,759.59
JACKSON38659$3,515.40
ROXIE38661$3,563.18
D LO38663$3,430.33
TIE PLANT38664$3,753.89
PICAYUNE38665$3,651.72
JACKSON38666$3,770.51
VANCE38668$3,622.60
LIBERTY38669$3,838.40
NEW AUGUSTA38670$3,766.40
BYRAM38671$3,764.60
MC CALL CREEK38672$3,737.03
LYON38673$3,529.00
CRYSTAL SPRINGS38674$3,432.60
JACKSON38675$3,565.33
ELLIOTT38676$3,719.33
SANDY HOOK38677$3,600.13
CLARKSDALE38679$3,554.17
TERRY38680$3,765.54
COAHOMA38683$3,443.86
POPLARVILLE38685$3,521.01
SEMINARY38701$3,697.29
TUTWILER38703$3,712.66
WINTERVILLE38720$3,649.03
PUCKETT38721$3,746.71
SIBLEY38722$3,756.01
RAYMOND38723$3,763.33
HARPERVILLE38725$3,567.45
MEADVILLE38726$3,553.33
JACKSON38730$3,526.44
WESSON38731$3,661.77
SMITHDALE38732$3,547.21
CHARLESTON38733$3,619.01
SWAN LAKE38736$3,514.71
FRIARS POINT38737$3,557.39
CLINTON38738$3,812.76
PACE38739$3,780.58
OCEAN SPRINGS38740$3,637.80
MIDNIGHT38744$3,651.42
JACKSON38745$3,773.09
BUDE38746$3,565.13
WAVELAND38748$3,662.26
WINSTONVILLE38751$3,465.74
SUMRALL38753$3,479.37
COLLINS38754$3,620.77
LUCEDALE38756$3,658.99
LAMBERT38759$3,536.26
BAY SAINT LOUIS38760$3,858.94
SUMNER38761$3,488.52
METCALFE38762$3,632.23
RICHTON38764$3,887.91
PEARLINGTON38765$3,988.98
MOUNT OLIVE38767$3,953.83
GEORGETOWN38768$4,009.06
SONTAG38769$3,528.71
ENID38771$3,511.46
MOSS POINT38772$3,834.98
DIAMONDHEAD38773$3,507.10
BEAUMONT38774$3,614.79
NEWHEBRON38776$3,653.82
SHERARD38778$3,512.44
SAUCIER38780$3,689.71
MARKS38781$3,877.63
SCOTT38782$3,905.29
JACKSON38801$3,258.36
BRAXTON38804$3,239.30
DELTA CITY38820$3,502.51
GULFPORT38821$3,253.21
BENTONIA38824$3,247.35
JAYESS38825$3,314.90
PINOLA38826$3,272.51
OAK VALE38827$3,415.14
PARCHMAN38828$3,293.99
JONESTOWN38829$3,346.49
VANCLEAVE38833$3,435.53
LULA38834$3,383.63
BELEN38838$3,419.25
LUMBERTON38841$3,265.32
GULFPORT38843$3,318.23
PURVIS38844$3,369.73
BILOXI38846$3,382.11
MC NEILL38847$3,392.76
CASCILLA38848$3,288.04
GULFPORT38849$3,237.09
MORTON38850$3,284.84
RALEIGH38851$3,277.10
BUCKATUNNA38852$3,441.34
MC HENRY38855$3,336.26
PASCAGOULA38856$3,274.20
GLENDORA38857$3,287.84
OSYKA38858$3,288.88
YAZOO CITY38859$3,293.38
PASCAGOULA38860$3,274.37
SATARTIA38862$3,357.07
SUMMIT38863$3,305.09
PULASKI38864$3,329.46
MOSS POINT38865$3,394.09
MONTICELLO38866$3,251.39
CROWDER38868$3,329.58
WAYNESBORO38869$3,350.42
STATE LINE38870$3,287.96
PERKINSTON38871$3,412.67
DUBLIN38873$3,370.72
GAUTIER38874$3,284.95
BENTON38875$3,587.22
MONEY38876$3,343.84
SWIFTOWN38877$3,334.47
OLIVE BRANCH38878$3,246.01
NEELY38879$3,289.64
HARRISVILLE38880$3,569.73
MORGAN CITY38901$3,701.07
MIZE38913$3,442.80
PASS CHRISTIAN38914$3,357.04
VAUGHAN38915$3,366.35
GRACE38916$3,364.61
VOSSBURG38917$3,545.33
SARDIS38920$3,803.75
COMO38921$3,893.53
SLEDGE38922$3,587.49
PEARL38923$3,568.65
WALLS38924$3,628.78
BELLEFONTAINE38925$3,567.82
SOUTHAVEN38926$3,913.97
JACKSON38927$3,850.63
AVON38928$3,799.62
BILOXI38929$3,592.64
TIPPO38930$3,515.83
BILOXI38940$3,655.46
POPE38941$3,459.81
ARCOLA38943$3,619.19
LEAKESVILLE38944$3,510.10
ROBINSONVILLE38945$3,778.84
DUNDEE38946$3,774.88
TAYLORSVILLE38948$3,699.62
DIBERVILLE38949$3,474.25
LONG BEACH38950$3,646.01
STONEWALL38951$3,333.71
FLORENCE38952$3,445.67
MAGNOLIA38953$3,650.55
ANGUILLA38954$3,461.84
HOLLY BLUFF38955$3,708.50
TYLERTOWN38957$3,863.48
PAULDING38958$3,892.34
FALCON38959$3,778.81
SOUTHAVEN38960$3,934.31
COURTLAND38961$3,702.54
SHUBUTA38962$3,761.01
CRENSHAW38963$3,905.77
BATESVILLE38964$3,932.66
WALTHALL38965$3,643.19
BOGUE CHITTO38966$3,725.45
QUITMAN38967$3,462.61
BILOXI39038$3,664.36
MCCOMB39039$3,779.30
ENTERPRISE39040$3,824.41
WEBB39041$3,723.62
CLINTON39042$3,715.66
BOLTON39044$3,829.25
HORN LAKE39045$3,655.41
FLORA39046$3,659.71
PICKENS39047$3,660.84
MENDENHALL39051$3,696.62
TUNICA39054$3,657.05
LAKE CORMORANT39056$3,724.16
LEXINGTON39057$3,425.08
BRANDON39058$3,890.11
HEIDELBERG39059$3,917.41
PACHUTA39061$3,826.84
GOODMAN39062$3,934.82
GREENVILLE39063$3,689.07
EDWARDS39066$3,710.36
SLATE SPRING39067$3,533.98
RICHLAND39069$4,107.16
PINEY WOODS39071$3,722.60
TILLATOBA39073$3,750.39
RUTH39074$3,621.23
GRENADA39077$3,988.22
OAKLAND39078$3,854.09
MC LAIN39079$3,713.87
NESBIT39080$3,899.88
GREENVILLE39082$3,775.82
CARTHAGE39083$3,990.92
FLOWOOD39086$4,323.64
SANDERSVILLE39088$3,744.73
EASTABUCHIE39090$3,555.26
WAYSIDE39092$3,600.62
DURANT39094$3,674.46
HERNANDO39095$3,716.05
WIGGINS39096$4,250.87
RIDGELAND39097$3,675.04
OVETT39098$3,637.11
BROOKHAVEN39107$3,515.10
MAGEE39108$3,579.90
SILVER CITY39109$3,624.08
LOUISE39110$3,585.80
CLARA39111$3,675.57
LENA39113$3,577.34
TCHULA39114$3,719.91
BELZONI39115$3,887.65
HOLLANDALE39116$3,774.16
CHATHAM39117$3,803.32
BRANDON39119$3,855.45
CANTON39120$4,189.65
LELAND39140$3,841.08
CARY39144$4,185.94
HOLCOMB39145$3,625.04
CAMDEN39146$3,721.72
STONEVILLE39148$3,702.55
SARAH39149$3,818.60
GLEN ALLAN39150$4,242.24
SCOBEY39151$3,904.26
ALLIGATOR39152$3,790.79
PHILIPP39153$3,803.11
WATER VALLEY39154$3,901.26
WEST39156$3,588.08
LAMAR39157$3,679.51
BROOKLYN39159$3,636.31
VICKSBURG39160$3,524.48
DUNCAN39161$3,572.20
LUDLOW39162$3,792.33
ROLLING FORK39165$3,901.71
MOUND BAYOU39166$3,675.49
CRUGER39167$3,624.79
PELAHATCHIE39168$3,753.10
STAR39169$3,672.14
MADDEN39170$3,909.79
SENATOBIA39171$3,621.20
COLDWATER39173$4,112.92
FOREST39174$4,138.74
THOMASTOWN39175$4,053.43
ISOLA39176$3,449.52
MC CARLEY39177$3,598.46
CLEVELAND39179$3,773.12
INDEPENDENCE39180$3,638.12
SEBASTOPOL39183$3,612.05
SHELBY39189$3,580.07
MICHIGAN CITY39190$4,157.25
ARKABUTLA39191$3,894.35
VICKSBURG39192$3,639.14
MOSS39193$3,994.81
ARTESIA39194$3,796.49
LAKE39201$3,834.60
UNIVERSITY39202$3,943.82
VALLEY PARK39203$3,932.74
PETAL39204$3,996.62
MONTPELIER39206$3,878.24
ROSE HILL39208$3,766.27
GORE SPRINGS39209$3,962.53
ELLISVILLE39210$4,105.52
MERIDIAN39211$3,763.62
MOSELLE39212$3,984.87
REDWOOD39213$3,953.96
COFFEEVILLE39216$3,917.37
TREBLOC39217$3,953.54
MADISON39218$3,702.94
MAYHEW39232$3,694.35
BYHALIA39269$3,895.61
LAUREL39272$3,928.45
DE KALB39301$3,590.48
WALNUT GROVE39305$3,408.00
MC COOL39307$3,469.69
MAYERSVILLE39320$3,435.11
PORTERVILLE39322$3,799.94
HATTIESBURG39323$3,452.16
SANDHILL39324$3,675.00
SCOOBA39325$3,391.49
HATTIESBURG39326$3,433.51
WHEELER39327$3,422.39
HATTIESBURG39328$3,581.19
COILA39330$3,725.47
ASHLAND39332$3,483.53
DUCK HILL39335$3,428.04
BENOIT39336$3,406.58
PRESTON39337$3,471.13
HOLLY SPRINGS39338$3,551.31
TULA39339$3,545.05
GUNNISON39341$3,535.00
LAUREL39342$3,563.25
MARION39345$3,441.63
RED BANKS39346$3,531.74
DREW39347$3,715.17
KOSCIUSKO39348$3,740.64
VICTORIA39350$3,433.57
BEULAH39352$3,577.24
LOUIN39354$3,566.10
BAY SPRINGS39355$3,728.41
STRINGER39356$3,594.35
TOOMSUBA39358$3,571.39
SOSO39359$3,618.76
CLEVELAND39360$3,735.32
OXFORD39361$3,523.19
CARROLLTON39362$3,783.41
LOUISVILLE39363$3,751.02
MERIGOLD39364$3,550.22
MACON39365$3,414.63
ETHEL39366$3,770.60
WEIR39367$3,785.18
NOXAPATER39401$3,576.03
MOUNT PLEASANT39402$3,570.70
STEWART39406$3,569.43
ABBEVILLE39421$3,944.37
TAYLOR39422$3,551.23
ROSEDALE39423$3,842.30
BOYLE39425$3,638.61
SALLIS39426$3,984.17
SHUQUALAK39427$4,005.18
WATERFORD39428$3,874.34
GREENWOOD39429$3,946.60
POTTS CAMP39436$3,690.06
MC ADAMS39437$3,591.52
DODDSVILLE39439$3,715.21
HICKORY FLAT39440$3,563.50
SUNFLOWER39443$3,584.35
RULEVILLE39451$3,753.90
MINTER CITY39452$3,870.67
ACKERMAN39455$3,807.38
SHAW39456$3,698.94
BROOKSVILLE39457$3,804.09
ALGOMA39459$3,588.62
KILMICHAEL39460$3,610.80
FRENCH CAMP39461$3,776.69
FALKNER39462$3,930.59
MOORHEAD39464$3,679.49
HICKORY39465$3,595.96
EUPORA39466$3,932.75
INVERNESS39470$3,906.10
PARIS39474$4,013.94
LITTLE ROCK39475$3,806.35
MERIDIAN39476$3,858.15
INDIANOLA39477$3,690.13
WINONA39478$3,912.19
SIDON39479$3,906.08
ITTA BENA39480$3,547.87
CHUNKY39481$3,550.30
VAIDEN39482$3,875.20
SCHLATER39483$3,987.89
WALNUT39501$3,803.48
BANNER39503$3,806.41
NEWTON39507$3,826.06
IUKA39520$3,866.44
BURNSVILLE39525$3,845.45
BAILEY39530$3,805.23
PHILADELPHIA39531$3,761.10
DALEVILLE39532$3,759.95
TIPLERSVILLE39534$3,726.87
RIPLEY39540$3,752.09
LAUDERDALE39553$3,780.36
MANTEE39555$4,024.29
CONEHATTA39556$3,979.89
MATHISTON39558$4,129.33
DECATUR39560$3,752.02
DENNIS39561$3,799.93
BELMONT39562$3,845.78
UNION39563$3,790.24
THAXTON39564$3,887.70
BLUE MOUNTAIN39565$3,811.40
MERIDIAN39567$3,796.13
LAWRENCE39571$3,773.31
RIENZI39572$3,857.61
GOLDEN39573$3,782.76
COLLINSVILLE39574$3,838.19
HAMILTON39576$3,878.23
CORINTH39577$3,682.18
GLEN39581$3,799.78
MYRTLE39601$3,677.90
DUMAS39629$3,728.91
TISHOMINGO39630$3,878.24
GATTMAN39631$4,006.38
BRUCE39632$4,041.93
CALHOUN CITY39633$4,144.61
PLANTERSVILLE39635$4,170.57
BIG CREEK39638$3,984.59
ETTA39641$3,823.17
SHERMAN39643$3,956.73
BOONEVILLE39645$3,932.21
TREMONT39647$3,921.02
MANTACHIE39648$3,726.10
VAN VLEET39652$3,749.56
PITTSBORO39653$3,896.44
SHANNON39654$3,788.18
RANDOLPH39656$3,814.87
FULTON39657$3,798.18
BECKER39661$3,941.64
PONTOTOC39662$3,702.34
BLUE SPRINGS39663$3,955.17
NEW SITE39664$3,894.09
VERONA39665$3,853.84
NETTLETON39666$3,791.10
GREENWOOD SPRINGS39667$3,741.79
SMITHVILLE39668$4,050.99
MOOREVILLE39669$4,149.93
NEW ALBANY39701$3,158.94
TOCCOPOLA39702$3,243.42
HOULKA39705$3,257.98
CALEDONIA39710$3,246.30
HOUSTON39730$3,269.64
OKOLONA39735$3,507.47
PRAIRIE39736$3,605.47
MARIETTA39737$3,764.74
BELDEN39739$3,505.06
ABERDEEN39740$3,283.58
ECRU39741$3,231.09
PHEBA39743$3,180.23
TUPELO39744$3,482.78
COLUMBUS39745$3,491.89
AMORY39746$3,383.81
SALTILLO39747$3,501.38
WEST POINT39750$3,228.95
BALDWYN39751$3,427.87
COLUMBUS39752$3,422.43
VARDAMAN39753$3,585.73
COLUMBUS39754$3,594.89
TUPELO39755$3,261.14
GUNTOWN39756$3,274.33
CEDARBLUFF39759$3,077.33
MABEN39766$3,208.63
WOODLAND39767$3,530.20
STEENS39769$3,196.85
STURGIS39771$3,729.29
CRAWFORD39772$3,533.04
COLUMBUS39773$3,249.13
STARKVILLE39776$3,220.89

For more details on a specific city, please search below:
CityAverage Grand Total
STARKVILLE$3,077.33
CRAWFORD$3,180.23
STURGIS$3,196.85
STEENS$3,208.63
WOODLAND$3,220.89
COLUMBUS$3,226.66
MABEN$3,228.95
CEDARBLUFF$3,231.09
GUNTOWN$3,237.09
VARDAMAN$3,246.00
BALDWYN$3,247.35
TUPELO$3,248.83
WEST POINT$3,249.13
SALTILLO$3,251.39
AMORY$3,253.21
PHEBA$3,261.14
ECRU$3,265.32
ABERDEEN$3,269.64
BELDEN$3,272.51
MARIETTA$3,274.20
PRAIRIE$3,274.33
OKOLONA$3,274.37
HOUSTON$3,277.09
CALEDONIA$3,283.58
HOULKA$3,284.84
TOCCOPOLA$3,284.95
NEW ALBANY$3,284.97
MOOREVILLE$3,287.84
SMITHVILLE$3,287.96
GREENWOOD SPRINGS$3,288.03
NETTLETON$3,288.88
VERONA$3,289.64
NEW SITE$3,293.38
BLUE SPRINGS$3,293.99
PONTOTOC$3,305.09
BECKER$3,314.90
FULTON$3,318.23
RANDOLPH$3,329.46
SHANNON$3,329.58
PITTSBORO$3,333.71
VAN VLEET$3,334.46
MANTACHIE$3,336.26
TREMONT$3,343.84
BOONEVILLE$3,346.49
SHERMAN$3,350.42
ETTA$3,353.55
BIG CREEK$3,357.03
PLANTERSVILLE$3,357.07
CALHOUN CITY$3,364.61
BRUCE$3,366.35
GATTMAN$3,369.73
TISHOMINGO$3,370.72
DUMAS$3,374.28
MYRTLE$3,381.54
GLEN$3,382.11
CORINTH$3,383.63
HAMILTON$3,383.81
COLLINSVILLE$3,391.50
GOLDEN$3,392.76
RIENZI$3,394.09
LAWRENCE$3,406.58
BLUE MOUNTAIN$3,410.42
THAXTON$3,412.67
UNION$3,414.64
BELMONT$3,415.14
DENNIS$3,419.25
DECATUR$3,422.39
MATHISTON$3,422.43
CONEHATTA$3,425.08
MANTEE$3,427.87
LAUDERDALE$3,428.04
RIPLEY$3,430.33
TIPLERSVILLE$3,432.60
DALEVILLE$3,433.51
PHILADELPHIA$3,433.57
BAILEY$3,435.11
BURNSVILLE$3,435.53
IUKA$3,441.34
NEWTON$3,441.63
BANNER$3,442.80
WALNUT$3,443.86
SCHLATER$3,445.67
VAIDEN$3,449.52
CHUNKY$3,452.16
ITTA BENA$3,459.81
SIDON$3,461.84
WINONA$3,462.61
INDIANOLA$3,465.74
LITTLE ROCK$3,471.13
PARIS$3,474.25
INVERNESS$3,479.37
EUPORA$3,482.78
HICKORY$3,483.53
MOORHEAD$3,488.52
FALKNER$3,489.03
MERIDIAN$3,489.39
FRENCH CAMP$3,491.89
KILMICHAEL$3,501.38
ALGOMA$3,502.51
BROOKSVILLE$3,505.06
SHAW$3,507.10
ACKERMAN$3,507.47
MINTER CITY$3,510.10
RULEVILLE$3,511.46
SUNFLOWER$3,512.44
HICKORY FLAT$3,512.62
DODDSVILLE$3,514.71
MC ADAMS$3,515.10
POTTS CAMP$3,515.40
GREENWOOD$3,515.83
WATERFORD$3,521.01
SHUQUALAK$3,523.19
SALLIS$3,524.48
BOYLE$3,526.44
ROSEDALE$3,528.71
TAYLOR$3,529.00
ABBEVILLE$3,529.60
STEWART$3,530.20
MOUNT PLEASANT$3,531.38
NOXAPATER$3,531.74
WEIR$3,533.03
ETHEL$3,533.98
MACON$3,535.00
MERIGOLD$3,536.26
LOUISVILLE$3,545.05
CARROLLTON$3,545.32
OXFORD$3,546.16
SOSO$3,547.87
TOOMSUBA$3,550.22
STRINGER$3,550.30
BAY SPRINGS$3,551.23
LOUIN$3,551.31
BEULAH$3,553.33
VICTORIA$3,554.17
KOSCIUSKO$3,555.26
DREW$3,557.39
RED BANKS$3,563.18
MARION$3,563.25
GUNNISON$3,565.13
TULA$3,565.33
HOLLY SPRINGS$3,565.45
PRESTON$3,566.09
BENOIT$3,567.45
DUCK HILL$3,567.82
ASHLAND$3,568.33
COILA$3,568.65
WHEELER$3,569.73
SCOOBA$3,571.39
HATTIESBURG$3,572.05
SANDHILL$3,572.20
LAUREL$3,573.93
PORTERVILLE$3,577.24
MAYERSVILLE$3,577.34
MC COOL$3,579.90
WALNUT GROVE$3,580.07
DE KALB$3,581.18
CLEVELAND$3,583.11
BYHALIA$3,585.69
MAYHEW$3,585.73
MADISON$3,585.80
TREBLOC$3,587.22
COFFEEVILLE$3,587.49
REDWOOD$3,588.08
MOSELLE$3,588.62
ELLISVILLE$3,591.52
GORE SPRINGS$3,592.64
ROSE HILL$3,594.35
MONTPELIER$3,594.89
PETAL$3,595.96
VALLEY PARK$3,598.46
UNIVERSITY$3,600.13
LAKE$3,600.62
ARTESIA$3,605.47
MOSS$3,610.80
ARKABUTLA$3,613.97
MICHIGAN CITY$3,614.30
SHELBY$3,614.79
SEBASTOPOL$3,618.77
INDEPENDENCE$3,619.00
MC CARLEY$3,619.19
ISOLA$3,620.77
THOMASTOWN$3,621.20
COLDWATER$3,621.23
FOREST$3,621.23
SENATOBIA$3,622.60
MADDEN$3,624.08
STAR$3,624.79
PELAHATCHIE$3,625.04
VICKSBURG$3,625.09
CRUGER$3,628.78
MOUND BAYOU$3,632.23
ROLLING FORK$3,636.31
LUDLOW$3,637.11
DUNCAN$3,637.80
BROOKLYN$3,638.61
LAMAR$3,638.78
WEST$3,639.14
WATER VALLEY$3,643.19
PHILIPP$3,646.02
ALLIGATOR$3,649.03
SCOBEY$3,650.55
GLEN ALLAN$3,651.42
SARAH$3,651.72
STONEVILLE$3,653.82
CAMDEN$3,655.41
HOLCOMB$3,655.46
CARY$3,657.05
LELAND$3,658.99
CANTON$3,659.71
CHATHAM$3,661.77
HOLLANDALE$3,662.26
BELZONI$3,664.36
TCHULA$3,672.14
LENA$3,674.46
CLARA$3,675.01
LOUISE$3,675.04
SILVER CITY$3,675.49
MAGEE$3,675.57
BROOKHAVEN$3,677.90
OVETT$3,679.49
RIDGELAND$3,679.51
WIGGINS$3,682.18
HERNANDO$3,682.39
BRANDON$3,688.25
DURANT$3,689.07
WAYSIDE$3,689.71
EASTABUCHIE$3,690.06
SANDERSVILLE$3,690.13
FLOWOOD$3,694.35
CARTHAGE$3,696.62
NESBIT$3,698.93
MC LAIN$3,698.94
OAKLAND$3,699.62
GRENADA$3,701.07
RUTH$3,702.34
TILLATOBA$3,702.54
PINEY WOODS$3,702.55
RICHLAND$3,702.94
GREENVILLE$3,704.98
SLATE SPRING$3,708.50
EDWARDS$3,710.36
GOODMAN$3,713.87
PACHUTA$3,715.17
HEIDELBERG$3,715.21
LEXINGTON$3,716.05
LAKE CORMORANT$3,719.02
TUNICA$3,719.33
MENDENHALL$3,719.91
PICKENS$3,721.72
FLORA$3,722.60
HORN LAKE$3,723.28
BOLTON$3,723.62
WEBB$3,725.45
ENTERPRISE$3,725.47
MCCOMB$3,726.10
QUITMAN$3,728.41
BOGUE CHITTO$3,728.91
WALTHALL$3,729.29
BATESVILLE$3,732.00
CRENSHAW$3,733.97
SHUBUTA$3,735.32
COURTLAND$3,735.77
FALCON$3,738.19
PAULDING$3,740.64
TYLERTOWN$3,741.79
HOLLY BLUFF$3,744.73
ANGUILLA$3,746.71
MAGNOLIA$3,749.56
FLORENCE$3,750.39
SOUTHAVEN$3,750.82
STONEWALL$3,751.02
LONG BEACH$3,752.02
DIBERVILLE$3,752.08
TAYLORSVILLE$3,753.10
DUNDEE$3,753.83
ROBINSONVILLE$3,753.89
LEAKESVILLE$3,753.90
ARCOLA$3,756.01
POPE$3,759.59
TIPPO$3,761.01
BILOXI$3,763.29
AVON$3,763.33
BELLEFONTAINE$3,764.74
WALLS$3,765.54
PEARL$3,766.27
SLEDGE$3,766.40
COMO$3,766.41
SARDIS$3,770.51
VOSSBURG$3,770.60
GRACE$3,773.09
VAUGHAN$3,773.12
PASS CHRISTIAN$3,773.31
MIZE$3,774.16
MORGAN CITY$3,774.88
HARRISVILLE$3,775.83
NEELY$3,776.69
OLIVE BRANCH$3,777.42
SWIFTOWN$3,778.81
MONEY$3,778.84
BENTON$3,779.30
GAUTIER$3,780.36
DUBLIN$3,780.58
PERKINSTON$3,782.76
STATE LINE$3,783.41
WAYNESBORO$3,785.18
CROWDER$3,786.36
MONTICELLO$3,788.18
PULASKI$3,790.79
SUMMIT$3,791.10
SATARTIA$3,792.33
YAZOO CITY$3,796.49
PASCAGOULA$3,797.96
OSYKA$3,798.18
GLENDORA$3,799.62
MC HENRY$3,799.92
BUCKATUNNA$3,799.94
RALEIGH$3,803.11
MORTON$3,803.32
CASCILLA$3,803.75
MC NEILL$3,804.09
PURVIS$3,806.35
CLINTON$3,807.14
LUMBERTON$3,807.38
BELEN$3,808.67
LULA$3,811.03
VANCLEAVE$3,811.40
JONESTOWN$3,811.84
GULFPORT$3,811.98
PARCHMAN$3,812.76
OAK VALE$3,814.87
MOSS POINT$3,818.01
PINOLA$3,818.60
JAYESS$3,823.17
BENTONIA$3,824.40
DELTA CITY$3,826.84
BRAXTON$3,829.25
SCOTT$3,834.98
MARKS$3,837.93
SAUCIER$3,838.19
SHERARD$3,838.40
NEWHEBRON$3,841.07
BEAUMONT$3,842.30
DIAMONDHEAD$3,845.45
ENID$3,850.63
SONTAG$3,853.84
GEORGETOWN$3,854.09
MOUNT OLIVE$3,855.45
PEARLINGTON$3,857.61
RICHTON$3,858.15
METCALFE$3,858.94
SUMNER$3,863.48
BAY SAINT LOUIS$3,866.44
LAMBERT$3,868.11
LUCEDALE$3,870.67
COLLINS$3,874.33
SUMRALL$3,875.20
WINSTONVILLE$3,877.63
WAVELAND$3,878.23
BUDE$3,878.24
MIDNIGHT$3,887.65
OCEAN SPRINGS$3,887.70
PACE$3,887.91
FRIARS POINT$3,890.85
SWAN LAKE$3,892.34
CHARLESTON$3,893.53
SMITHDALE$3,894.09
WESSON$3,894.35
MEADVILLE$3,896.44
HARPERVILLE$3,899.88
RAYMOND$3,901.26
SIBLEY$3,901.71
PUCKETT$3,904.26
WINTERVILLE$3,905.29
TUTWILER$3,905.77
SEMINARY$3,906.08
POPLARVILLE$3,906.10
COAHOMA$3,907.93
TERRY$3,909.79
CLARKSDALE$3,910.45
SANDY HOOK$3,912.19
ELLIOTT$3,913.97
CRYSTAL SPRINGS$3,917.42
LYON$3,917.55
MC CALL CREEK$3,921.02
BYRAM$3,928.45
NEW AUGUSTA$3,930.59
LIBERTY$3,932.21
JACKSON$3,932.54
VANCE$3,932.66
PICAYUNE$3,932.75
TIE PLANT$3,934.31
D LO$3,934.83
ROXIE$3,941.64
BASSFIELD$3,944.37
COLUMBIA$3,946.60
RENA LARA$3,953.83
SILVER CREEK$3,955.17
KOKOMO$3,956.73
KILN$3,979.89
CARRIERE$3,984.17
GLOSTER$3,984.59
FOXWORTH$3,987.89
GALLMAN$3,988.22
PANTHER BURN$3,988.98
DARLING$3,989.17
HAZLEHURST$3,990.92
FARRELL$3,994.56
WHITFIELD$3,994.81
CARSON$4,005.18
CENTREVILLE$4,006.38
ROME$4,009.06
PRENTISS$4,013.94
HURLEY$4,024.29
CHATAWA$4,041.93
UNION CHURCH$4,050.99
UTICA$4,053.43
FAYETTE$4,107.16
TINSLEY$4,112.92
LAKESHORE$4,129.33
TOUGALOO$4,138.74
CROSBY$4,144.61
WOODVILLE$4,149.93
WASHINGTON$4,157.25
FERNWOOD$4,170.57
PATTISON$4,185.94
NATCHEZ$4,189.65
PORT GIBSON$4,242.24
LORMAN$4,250.87
HERMANVILLE$4,323.64

Mississippi Car Insurance Companies

There are countless car insurance companies out there, all of them wanting your business. It can be pretty overwhelming having all of them trying to come at you at once. Especially when you are trying to find the best rates and coverage for you, it can be hard to weed through sincere companies.

We don’t want you to have to spend your hard-earned money on a bad insurance plan or to have to pay a ridiculously expensive rate for a decent plan.

We’ve gone through and looked through the biggest car insurance providers in Mississippi for you. We’ve covered their ratings, complaints, and more.

Let’s get to it!

–The Largest Companies Financial Ratings

How can you determine how well an insurance company will cover you? Well, luckily there’s something called the AM Best Rating. This rating determines exactly what an insurance company’s financial strength is. The higher the rating, the more stable the company is.

So, for instance, in the table below you’ll see that several companies have an A+++ rating. This means that these companies are extremely stable. A lot of the more national insurance providers (i.e. Geico, State Farm, etc) will have these higher ratings for the simple reason that they’ve got very stable loss ratio’s.

Below you can find the AM Financial Ratings for the largest insurance providers in Mississippi.

Company NameAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$483,06461.62%25.72%
Southern Farm Bureau Casualty GroupA+$223,02369.60%11.87%
Progressive GroupA+$192,01265.31%10.22%
Allstate Insurance GroupA+$155,14750.96%8.26%
GeicoA++$117,89070.29%6.28%
Liberty Mutual GroupA$117,42568.86%6.25%
Nationwide Corp GroupA+$108,23360.37%5.76%
USAA GroupA++$95,80278.03%5.10%
Alfa Insurance GroupA$70,84164.72%3.77%
Shelter Insurance GroupA$59,84468.58%3.19%
State Total$1,878,25464.24%100.00%

As we had talked about before, companies with too high (over 100 percent) or too low loss ratio’s should be avoided. On average, all of the largest companies in Mississippi have around the same loss ratio (averaging in the range of 60-78 percent).

The good news for those in Mississippi is that none of these companies are in danger of going bankrupt! Below we’ve also included data for the overall customer satisfaction for the SouthEast Region (this is the region Mississippi is included in).

–Companies with the Most Complaints in Mississippi

So the insurance provider has a really good AM Best Rating, what about the number of complaints? Complaints do not mean that a company is bad, but it can give you an idea of how the company will address the complaints they get. It also gives you an idea as to what the customer satisfaction for that company will be.

The data below shows the complaint index of the insurance companies in Mississippi.

Car Insurance CompanyNumber of ComplaintsComplaint Index
Safeco00.00
Shelter00.00
Safeway00.00
State Auto00.00
21st Century00.00
United Automobile00.00
Alfa20.23
Mississippi Farm Bureau90.29
MetLife20.51
Allstate110.53
State Farm440.67
Nationwide100.70
Dairyland10.70
Hartford20.76
AAA10.85
Geico130.90
USAA110.97
GuideOne Insurance21.08
Esurance21.11
Travelers31.22
Progressive231.23
ANPAC11.33
Victoria Insurance11.48
USA Insurance31.83
Inverness Partners22.20
Liberty Mutual52.22
Mendakota Insurance22.36
Farmers52.43
National General45.06
Direct General215.63
ACCC Insurance Company219.79
Unique Insurance917.93

–Mississippi Car Insurance Rates by Company

CompanyAverageCompared to State Average Percentage Compared to State Average
Allstate P&C$4,941.34$1,276.5325.83%
Geico General$4,086.36$421.5410.32%
SAFECO Ins Co of IL$4,455.56$790.7417.75%
Nationwide P&C$2,756.17-$908.64-32.97%
Progressive Gulf Ins$4,312.60$647.7815.02%
State Farm Mutual Auto$2,980.08-$684.74-22.98%
Travelers Home & Marine Ins Co$3,730.17$65.351.75%
USAA$2,056.25-$1,608.56-78.23%

Notably, USAA and Nationwide P&C are both about $1,000 LESS than the state average.

–Cost of Commutes by Carrier

How far you commute and the mileage of that commute factor into your rates for certain companies.

CompanyCommute and Annual MileageAnnual Average
Liberty Mutual25 miles commute. 12000 annual mileage.$13,847.08
Liberty Mutual10 miles commute. 6000 annual mileage.$13,055.12
MS25 miles commute. 12000 annual mileage.$3,683.20
MS10 miles commute. 6000 annual mileage.$3,646.43
Nationwide10 miles commute. 6000 annual mileage.$2,926.49
Nationwide25 miles commute. 12000 annual mileage.$2,926.49
USAA25 miles commute. 12000 annual mileage.$2,899.06
USAA10 miles commute. 6000 annual mileage.$2,824.14
State Farm25 miles commute. 12000 annual mileage.$2,122.82
State Farm10 miles commute. 6000 annual mileage.$2,011.15

Longer commutes tend to be more expensive across the board for most states.

–Coverage Level Rates in Mississippi

It can certainly be a tempting idea to purchase the lowest coverage simply because of the lower cost. But what cost does that come at? A higher level of coverage will protect you significantly more and it will ensure that it has your back when you need it.

GroupCoverage Type Annual Average
AllstateHigh$5,160.28
AllstateMedium$4,936.29
Liberty MutualHigh$4,750.94
AllstateLow$4,727.46
ProgressiveHigh$4,710.11
Liberty MutualMedium$4,435.93
ProgressiveMedium$4,368.16
GeicoHigh$4,286.85
Liberty MutualLow$4,179.80
GeicoMedium$4,114.68
TravelersHigh$3,897.41
ProgressiveLow$3,859.52
GeicoLow$3,857.53
TravelersMedium$3,752.92
TravelersLow$3,540.18
State FarmHigh$3,161.38
State FarmMedium$2,967.50
NationwideHigh$2,914.81
State FarmLow$2,811.35
NationwideMedium$2,747.46
NationwideLow$2,606.25
USAAHigh$2,200.90
USAAMedium$2,045.11
USAALow$1,922.75

So as you can see from the above data, the difference between coverage levels by company is marginally small. USAA for example only differs by $278.15 from a low coverage plan and a high coverage plan. This means for only a few hundred dollars more per year, you can get a high coverage plan. It’s definitely an investment worth the money, as it gives you more bang for your buck.

–Credit History Rates

What your credit history is like will also play a factor in what kind of insurance rates you’ll find. The better your credit history, the lower your rates will tend to be.

CompanyCredit HistoryAnnual Average
Liberty MutualPoor$14,094.18
Liberty MutualFair$9,029.73
Liberty MutualGood$7,062.75
GeicoPoor$6,161.23
AllstatePoor$5,721.87
AllstateFair$5,065.11
ProgressivePoor$4,891.94
TravelersPoor$4,233.92
ProgressiveFair$4,170.46
AllstateGood$4,037.04
USAAPoor$3,914.74
ProgressiveGood$3,875.40
TravelersGood$3,502.98
GeicoFair$3,490.89
TravelersFair$3,453.60
State FarmPoor$3,451.55
NationwidePoor$3,397.54
NationwideFair$2,747.94
GeicoGood$2,606.95
NationwideGood$2,459.66
State FarmFair$2,102.98
USAAFair$2,069.13
USAAGood$1,776.60
State FarmGood$1,581.04

You can see from the above table, for example, that for Liberty Mutual if you were to have a good credit history you would only be paying $7,062.75 while a poor credit history would have you paying  $14,094.18. That is a difference of $7,031.43, almost DOUBLE the cost!

Mississippi has an average credit score of 647 while the national average is 675. This places Mississippi in the top 10 states with the lowest credit scores!

–Driving Record Rates

What kind of driver you are on the road also can affect your rates. Same as with your credit history, the better it is, the lower your rates are going to be.

CompanyDriving RecordAnnual Average
AllstateWith 1 DUI$5,956.24
GeicoWith 1 DUI$5,869.23
Liberty MutualWith 1 DUI$5,170.33
Liberty MutualWith 1 accident$5,046.99
ProgressiveWith 1 accident$4,952.25
AllstateWith 1 accident$4,912.99
AllstateWith 1 speeding violation$4,726.86
TravelersWith 1 DUI$4,688.01
Liberty MutualWith 1 speeding violation$4,442.21
ProgressiveWith 1 speeding violation$4,338.27
ProgressiveWith 1 DUI$4,267.10
AllstateClean record$4,169.28
GeicoWith 1 speeding violation$4,078.45
GeicoWith 1 accident$3,856.26
ProgressiveClean record$3,692.78
NationwideWith 1 DUI$3,574.60
TravelersWith 1 speeding violation$3,558.80
TravelersWith 1 accident$3,413.50
State FarmWith 1 accident$3,312.87
TravelersClean record$3,260.37
Liberty MutualClean record$3,162.70
State FarmWith 1 DUI$2,949.82
State FarmWith 1 speeding violation$2,949.82
NationwideWith 1 accident$2,809.29
USAAWith 1 DUI$2,783.92
State FarmClean record$2,707.79
GeicoClean record$2,541.48
NationwideWith 1 speeding violation$2,438.23
NationwideClean record$2,202.58
USAAWith 1 accident$2,050.45
USAAWith 1 speeding violation$1,785.46
USAAClean record$1,605.19

From the table above you can see that with Allstate, a clean driving record has an annual average of $4169.28, but just one DUI skyrockets that to $5,956.24. That’s a difference of $1,786.96 with just ONE DUI! Even something like having one accident with Allstate would increase your rate by $1,0433.25. Moral of the story, be careful out there on the roads! Not only will it protect your life, but also your wallet!

–Number of Insurers in Mississippi

Number of Licensed Insurers in MississippiNumber
Domestic15
Foreign907
Total Number of Licensed Insurers922

You must be wondering, from the table above, what exactly is the difference between domestic and foreign insurance. It basically means that domestic insurance is any insurance formed under Mississippi law while foreign insurance is any insurance formed under the laws of any U.S. state.

Still confused? Think of it this way, if you are a Mississippi citizen and got your car insurance in there, and you drive in Mississippi, you possess domestic insurance. If you were to take a road trip over to Georgia, you would then have what would be considered as foreign insurance to the state of Georgia.

Mississippi State Laws

Now that we’ve covered some information about car insurance rates/coverage and car insurance companies in Mississippi, we’ll move on to discussing laws specific to the state of Mississippi. State laws can sometimes be confusing because what is legal in one state might not be legal in another.

So making sure you know exactly what is legal in the state of Mississippi is going to be key for you to drive lawfully in the state. The last thing we want is for you to get a fine for breaking a law you didn’t even know was there!

We’ve put together some of the most important driving laws you’ll need to know. So strap in and keep reading to find out more!

Car Insurance Laws

As discussed previously in another section, Mississippi required all drivers to have minimum liability insurance coverage. According to the NAIC, insurers in Mississippi must file their policies with the Mississippi Insurance Department prior to using it.

Mississippi required minimum liability insurance coverage of 20/40/10.

–High-Risk Insurance

If you are considered a high-risk driver, you may have a difficult time finding a car insurance provider who will offer you coverage. What are some of the reasons you would be considered a high-risk driver? Well, we’ve listed some of the reasons you would be considered a high-risk driver and would need mandatory high-risk insurance:

  • Driving while uninsured
  • Aged 70 years or older
  • DUI/DWI conviction
  • A traffic violation that resulted in a fatality/serious injury
  • A high number of points on your driving record
  • Owning a high-risk car (such as a sports car)

The DMV states that if you are turned away for being a high-risk driver from other providers, you may qualify for the Mississippi Automobile Insurance Plan (MSAIP). You only need to have two things in order to qualify for this insurance coverage:

  • Possess a valid Mississippi driver’s license
  • Current car registration in Mississippi

You need to have BOTH of these things in order to qualify for this. If you meet these two requirements, you can purchase MSAIP through any licensed Mississippi car insurance company. They are likely to have much higher rates than your typical insurance rate would be if you weren’t considered high risk.

However, if you are continuously turned away for being high risk, this may be your only option for getting that coverage you need in order to drive legally in the state. The Mississippi DMV recommends shopping around to see if you can find regular insurance coverage before opting for this option.

–Low-Cost Insurance

Mississippi, unfortunately, does not currently have any government-sponsored insurance programs for those who are low-income. There are alternatives for those who are looking to cut down on costs, so don’t be discouraged by this!

Ask your provider if they offer any of the following discounts to save you some extra cash:

  • Accident-Free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-Theft Discounts (i.e. if you have alarms, tracking systems, etc on your vehicle)
  • Auto-Pay Discounts (if you were to set up automatic payments from checking – some providers refer to it as a Paper-Saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

If you want to save more, don’t forget to make sure you shop around to find the best coverage with the most cost-effective rates.

–Windshield Coverage

In Mississippi, you may not have to worry so much about your windshield cracking or shattering from the cold, but there are still plenty of ways that a windshield can accrue some damage. What should you do if you need to replace or repair your windshield?

There are some states that require specific things when it comes to windshield coverage for your insurance, Mississippi is not one of them, however. There are no laws requiring windshield coverage in Mississippi, however, a good number of insurance companies may offer it with comprehensive coverage.

–Automobile Insurance Fraud in Mississippi

Insurance fraud is universally illegal in every single state in the United States. How exactly can insurance fraud be committed? Well, according to the IIHS, there are two ways insurance fraud could be committed:

  1. Intentionally faking an accident / making a false claim
  2. Adding “extra” things onto a legitimate claim

Mississippi has a fraud bureau that works to catch those who commit insurance fraud.

If you were to commit insurance fraud in Mississippi, you could be facing some hefty fines, community service, or even some jail time. So moral of the story? Don’t make false claims or try to add “extra” onto your claim. It just wouldn’t be worth it in the long run.

–Statute of Limitations

Did you know that if you were in a car accident and needed to make a claim, you only have a certain amount of time to file your claim? This is known as the statute of limitations, limiting the time you have to make your claim in order to receive the money you are owed.

The time starts from the day of your accident until you submit your claim. Each state is different in the time frame you are given for this statute of limitations.

  • Personal Injury: 3 years
  • Property Damage: 3 years

So if you were to try to file a claim because of an injury you had during an accident, you would have X years. If you wanted to file a claim for any damage to your vehicle, you would have x years to file for that.

While it may seem like you have a pretty hefty chunk of time to submit your claim, but time can fly by faster than you think. If you are dealing with all of the repercussions of these types of claims (i.e. if you’re dealing with any hospital time because of an injury you’ve had, or if you’re dealing with replacing and repairing your vehicle) then this time can sometimes flash right by before you even know it. So filing your claim as soon as you can is extremely important!

–Mississippi Lemon Laws

What exactly is a “lemon” vehicle? Well, if you have ever purchased a vehicle and it has spent most of its time in a repair shop, then it’s probably a ‘lemon’. Luckily for Mississippi citizen, the state has special “lemon laws” that protect new car buys from situations like this.

The official title of the act in Mississippi is the “Motor Vehicle Warranty Enforcement Act”, but is more commonly referred to as the Mississippi Lemon Laws.

How do you know if your car qualifies as a ‘lemon’ in Mississippi? Below are just a few general guidelines your vehicle must fall under in order to qualify:

  • The vehicle has to have some sort of substantial issue that happens within a certain time after purchase
  • The issue has to be covered by a warranty
  • The issue has to continue to exist even after a reasonable number of repairs that have been attempted

What happens if you meet these guidelines? Well according to the remedies for this law, it’s the consumers (i.e. you!) option. You have the choice of replacing your lemon vehicle with a comparable vehicle, or you can accept a return and refund of the full purchase price (which includes all collateral charges such as repair costs).

Want to know more about your rights for Lemon Laws? Watch the video below for more details.

Mississippi wants to make sure that consumers are protected from any vehicles of this nature, and laws such as these are there to protect you!

–Vehicle Licensing Laws

Since we know that Mississippi requires all drivers to have the minimum insurance in order to drive, what happens to those who are caught driving without it? Well, in Mississippi there are some pretty strict penalties in place.

Even if it is your first offense, in Mississippi, if you are caught without your insurance you will be fined $1,000 and will have your driving privileges suspended for one year or until you can proof you are insured.

This means that you won’t be allowed to drive until you can prove you have some sort of car insurance, or else you won’t be allowed to drive for at least a year. Anytime law enforcement pulls you over, you will have to provide proof of insurance, as well as your car’s registration and driver’s license. What are some acceptable methods of proving you have insurance?

Any of the below are acceptable proofs of insurance:

  • Copy of your current car insurance policy
  • A valid insurance ID card
  • Valid insurance binder (this is a temporary form of car insurance)

If you can provide proof that you had insurance at the time of the citation, you can get your fine and court fees waived, otherwise, you may be legally required to file an SR-22 form.

According to Mississippi’s DMV, you might have to file an SR-22 form from your insurance provider. This SR-22 form, also known as “proof of financial responsibility” is essentially a certification that your insurance provider that states you will maintain that minimum liability insurance you are required to have for a particular time frame.

It is NOT insurance, but can help to prevent suspension/revocation of your driver’s license or reinstate an already suspended/revoked driver’s license.

Bottom line? If you break this law in Mississippi, you will immediately be fined and have your license suspended. So make sure you have your insurance on you at all times while operating your vehicle, or you will have to face the consequences.

–Teen Driver Laws

Teenage drivers can apply for a learner’s license/permit as young as 16 years old. It’s important that teenagers know the laws that apply to them, as these rules help keep them safe while they try to learn how to drive. It’s stressful enough learning how to drive, the last thing they need is to run into trouble in the process.

Requirements for Getting a License in Mississippi Time
Mandatory Holding Period12 months (individuals 17 years and older are exempt)
Minimum Supervised Driving Timenone
Minimum Age16 years old (individuals 17 and older are exempt from the requirement to get an intermediate license)

In Mississippi, those teen drivers who are 17 years and older do not have to adhere to the learner’s permit/license rules, as they can just immediately get a restricted license. Those restricted license drivers still have to follow the rules listed below.

Restrictions for Restricted Licenses in MississippiTime
Nighttime Restrictions10 p.m.-6 a.m. Sun.-Thur., 11:30 p.m.-6 a.m. Fri.-Sat.
Passenger Restrictions (excepting family members)none
Minimum age at which restrictions may be lifted:
Nighttime Restrictions6 months or age 17, whichever occurs first (min. age: 16, 6 mos.)
Passenger Restrictionsnone

–Older Driver License Renewal Procedures

Mississippi is one of the few states in which the requirements for license renewal procedures are the same for the general population as well as those who are older. For both, you need to renew your license once every 4-8 years and can do it online, as well as any other conventional method.

Though it’s not a requirement, it is still advisable for older drivers to have their vision checked.

–New Residents

Have you recently decided that you want to make the Magnolia State your home? Well, you will need to make sure you contact your current insurance provider to make sure you update all of you information. You will need to update your rates to ensure you have the minimum liability insurance (as mentioned previously) as well as update your insurance ID cards.

As a reminder, Mississippi requires a minimum liability of 20/40/10

Definitely make sure you add this to your to-do list when moving to Mississippi!

–License Renewal Procedures

All Mississippi citizens are required to renew their driver’s license every couple of years, but what are the basic procedures you need to know in order to get this done?

  • Renewal Cycle: once every 4-8 years
  • Online/Mail Renewal: anyone can renew their license online or by mail but only once every other renewal (meaning every other renewal cycle you will need to go to the DMV to get your renewal)
  • Proof of Adequate Vision: Not required

The good news for this is that you don’t have to go to the DMV every single time you have to get your license renewed. Putting that into perspective, this means you’ll only have to go to the DMV to get your license renewed every 8-16 years!

–Negligent Drivers

There are two classifications of ‘negligent driving’ in the state of Mississippi.

It is considered reckless driving in Mississippi if someone is driving in a manner that suggests either a willful or wanton disregard for the safety of both people and property. This type of negligent driving can have a fine of up to $100 for a first-time offense, and could have a $500 fine AND 10 days in jail for a second-time offense.

It is considered careless driving in Mississippi if someone is driving a vehicle in a careless way without regard for normal driving circumstances (i.e. width, grade, traffic, etc.). This type of negligent driving can have a fine of up to $50 no matter the number of offenses.

These types of offenses are considered misdemeanors and can put your license in danger of being suspended if you have other violations as well. In addition, your insurance rates will likely increase with these offenses. Bottom line? Drive responsibly while on the road and you won’t have to worry about having to pay fines or increased insurance rates, as well as avoiding possible jail time!

–Mississippi’s Rules of the Road

We want to make sure that when you go out for that drive in your vehicle, that you are armed with all the tools you’ll need to cruise Mississippi’s roads. We are going to discuss some of the rule’s of the road in Mississippi so you can avoid any costly tickets or points off of your driver’s license. The last thing we want is for you to lose your hard-earned cash over something you could’ve easily avoided by knowing more about.

Keep reading to check out Mississippi’s rules of the road.

– Fault VS. No-Fault

Mississippi is at at-fault state. What exactly does this mean? Well, if you’re in an accident and YOU are the one who caused the accident, then you will be held responsible for paying for the costs of anyone who was injured in the accident AND any property damage. If you have adequate insurance coverage, the provider will cover most of the costs.

If you DON’T have insurance/the right coverage, you will end up paying out of pocket for these costs. You can quickly drain your bank account this way, so making sure you have the right coverage to match what you need is essential. Just getting the minimum liability coverage won’t necessarily cut it in these circumstances.

– Keep Right and Move Over Laws

Mississippi’s keep right laws are pretty simple to adhere to. If you are driving and are going SLOWER than the speed limit, you have to stay in the RIGHT lane. Most keep right laws are for 3+ lane roads. Passing on the right is allowed in certain conditions

Another easy-to-follow law is the Move Over Law. This means that all drivers/motorists have to move over to safety pass a vehicle that is on the side of the road.

Vehicles you are required to move over for include:

  • Firefighters
  • Ambulances
  • Utility Workers
  • Law Enforcement
  • Utility Trucks
  • Drivers with Hazard Lights on

Basically, if you see a driver with flashing lights, move over! Laws like this are put in place to make sure everyone on the road is safe. Watch the video below to see why Move Over Laws are so important in Mississippi!

– Speed Limits

Each and every state has speed limits for the varying road types in their state. There are a number of factors that contribute to why a speed limit is chosen for a particular road, from road visibility to where it’s located relative to the population of people in the surrounding area, to how many curves are in the road.

Below are the maximum speed limits that were chosen for the different road types in Mississippi. Keep in mind that these are the MAXIMUM speed limits. There will be some variety in speed limit depending on particular roads in Mississippi.

Mississippi Speed LimitsMPH
Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads65 mph

– Seat Belt and Car Seat Laws

Every year seat belts save lives, as do appropriate child car seats. Mississippi wants to keep all of the drivers in their state safe, which is why they have some pretty strict seat belt and car seat laws in place. Below the safety belt and child seat laws that are in effect in Mississippi.

Safety Belt UseLaws
Initial Effective Date07/01/94
Primary Enforcement?yes; effective 05/27/06
Age/Seats Applicable7+ years in all seats
1st Offense - maximum base fine$25
Child Seat RequirementsLaws
Must be in child safety seat3 years and younger must be in a child restraint; 4 through 6 years and either less than 57 inches or less than 65 pounds must be in a booster seat
Adult Belt Permissible6 years and younger who either weigh 65 pounds or more or who are 57 inches or taller
1st Offense Maximum Base Fine$25
Preference for Rear Seatlaw states no preference for rear seat

There are currently no state laws in Mississippi regarding passengers riding in the cargo area of a pickup truck, but it is always advised to exercise caution to make sure all passengers are safe.

– Ridesharing

There as has been an increased availability of ridesharing services over the past few years. What is a ridesharing service? Well if you’ve ever taken an Uber or a Lyft, you have used a ridesharing service. These services can be extremely useful for riders, but did you know that a lot of these companies require that the driver have a particular type of insurance on their policy, known as ridesharing insurance.

Currently the only insurance provider that offers ridesharing coverage in Mississippi is State Farm.

So if you’re looking to make some extra cash and thinking of applying to companies like these, make sure you check with your provider to see if they do offer ridesharing insurance. If they don’t, you may need to find a different insurer in order to get this coverage.

– Automation on the Road

Automated vehicles are the way of the future in vehicle transportation according to some automotive experts. Now while you may be thinking of something such as a self-driving car, or even cars that can parallel park themselves, a lot of “automate vehicles” are more in reference right now to vehicles with items such as cruise control.

The technology is so new that most states do not have any particular rules regarding automation on the road.

Mississippi is one of 19 states that have been starting to regulate vehicle automation for large trucks. According to the IIHS, these states are starting to try and regulate platooning technology.

This allows groups of trucks/buses to travel together as a group, with a particular set distance between them and at an electronically coordinated speed.

– DUI Laws

If you drink and drive, in any state, you will find yourself in a world of trouble. Not only that, but you would be putting yourself and many others at risk. Mississippi has very strict laws for drunk driving, as just in 2017 alone there were 148 alcohol-impaired driving fatalities.

They want to make sure that everyone in Mississippi is safe, and have some pretty severe penalties if you drink and drive. Below, we’ve listed the details about Mississippi’s DUI Laws.

Mississippi DUI LawsLimits
BAC Limit0.08
High BAC LimitN/A
Criminal Status by Offense1st-2nd misdemeanors, 3rd+ felonies with 4th automatic felony carrying 2-10 yrs. in prison
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back / Washout Period5 years

Penalties escalate with each offense, becoming much more severe the more offenses occur.

Number of OffensesLicense RevocationJail TimeFineOther
1st Offense90 days +completion of alcohol safety program unless received IID licenseno minimum. 48 hours OR attend victim impact panel$250-$1000complete alcohol safety program within 1 year
2nd Offense2nd in 5 years: 1 year unless traded license for IID only llicense2nd in 5 years: 5 days - 1 year AND 10 days-1 year community service2nd in 5 years: $600-$1500
3rd Offense3rd in 5 years: 3 years after release from incarceration and only then on IID license for 3 years3rd in 5 years: 1-5 years3rd in 5 years: $2000-$5000
4th Offensesame as 3rd offensesame as 3rd offensesame as 3rd offense

If you drive under the influence in Mississippi, you could be facing some serious charges, including jail time!

If you get up to a third offense, you will be facing felony charges.

Moral of the story? Never drink and drive! Use one of the ridesharing services we mentioned previously if you find yourself unable to drive home safely. Thinking you can make it home when you have been drinking is not worth it!

– Marijuana-Impaired Driving Laws

Marijuana use has been widely legalized over the past decade in several states. In Mississippi, it is still illegal but has been decriminalized in many parts of the state. Due to this, there are no marijuana-specific driving laws in the state.

This does NOT mean that if you are caught driving while marijuana-impaired that you won’t get in trouble, marijuana is still illegal in the state and law enforcement can still charge you with impaired driving.

Marijuana can stay in your system for several weeks after use. So even if you didn’t just use it, officers may still charge you with driving impaired, even if you’re not ‘high’ while driving.

The best advice we can impart on you is to not drive under the influence of marijuana, as charges aside, you still run the risk of injuring yourself or someone else!

– Distracted Driving Laws

All it takes to get into an accident is just one split second of not paying attention to the road. If you are distracted and don’t have both eyes on the road, an accident is likely just moments away. Below are some of the rules Mississippi has about distracted driving.

BanDetails
Hand-held banno
Young driver cell phone banno
Texting banall drivers
Enforcementprimary

Primary enforcement simply means that if a law enforcement sees you on your phone while driving, they will pull you over for it.

Watch the video above to learn more about the dangers, and some of the unintentional consequences, of distracted driving.

So remember, keep your eyes on the road and make sure you silence your cellphone while driving. It could mean the difference between driving safe, and winding up in an accident.

Mississippi Facts You Can’t-Miss

We’ve discussed a good number of laws in Mississippi, so we’ll jump over not to some of the must-know driving facts in Mississippi. It’s a lot of work owning a vehicle, so making sure you’re equipped with all the knowledge you can in order to decrease the risks to your vehicle is going to be key.

Continue reading for some of the can’t-miss facts for Mississippi drivers!

–Vehicle Theft in Mississippi

Did you know that you didn’t have to own a luxury sports car for it to be prone to theft? There are actually certain vehicles, in every state, that are stolen more than others. We’ve listed below some of the most stolen vehicles in Mississippi.

RankMake/ModelYear of VehicleNumber of Thefts
1Chevrolet Pickup (Full Size)1994286
2Ford Pickup (Full Size)2006278
3Nissan Altima2015128
4Chevrolet Impala2006114
5GMC Pickup (Full Size)2000103
6Toyota Camry201494
7Honda Accord200791
8Dodge Pickup (Full Size)200585
9Chevrolet Malibu201573
10Chevrolet Tahoe200568

In 2015, the most stolen vehicle in Mississippi was the 1994 Chevrolet Pickup (Full Size), with 286 stolen!

Where you live can also contribute to the likelihood of your vehicle being stolen. In 2013, the FBI created a report on Mississippi’s vehicle thefts based on cities. Below you can see where your city ranks.

CityCity PopulationMotor Vehicle Thefts
Aberdeen5,4735
Amory7,1673
Batesville7,41715
Biloxi44,744131
Byhalia1,2701
Byram11,79516
Cleveland12,17412
Columbia6,4300
D'Iberville10,12319
Flowood8,2496
Fulton3,9841
Gautier18,53234
Greenville33,11987
Greenwood16,11216
Gulfport70,863125
Hattiesburg47,54990
Horn Lake26,67025
Iuka3,0151
Jackson176,0391054
Laurel18,91720
Long Beach15,46717
Louisville6,5000
Madison25,0442
McComb12,72635
Meridian40,748186
Ocean Springs17,47927
Olive Branch34,82736
Pascagoula22,21745
Pass Christian5,0207
Petal10,9027
Philadelphia7,4884
Picayune10,84020
Poplarville2,8161
Ridgeland24,31915
Southaven50,80156
Starkville24,51911
Vicksburg23,31870
West Point11,1791
Wiggins4,5353

The trend is that the more populated a city is, the more vehicle thefts are likely to occur. For instance, Jackson is the capital of Mississippi and the most populated city in the state. It also has the most number of stolen vehicles reported.

–Mississippi Traffic Fatalities

In this section, we’ll go over just a few of the different factors contributing to Mississippi’s traffic fatalities. We’ll go over factors you would expect would contribute to these statistics, such as speeding and underage drinking, as well as factors you may not even contribute to fatality statistics such as road type or even person type.

The type of road you’re driving can contribute to traffic fatalities.

Traffic Fatalities by Road Type2008200920102011201220132014201520162017
Rural627507506508407519551559533430
Urban1561931351221759456118154259
Unknown0000000001
Total (C-1)783700641630582613607677687690

As you can see from the data above, there are actually more fatalities on rural roads than there are on urban roads. How could that be possible? Well, rural roads tend to have higher speed limits, so a lot of people tend to go a lot faster on these kinds of roads than they would on urban roads.

Another factor for traffic fatalities is person type. What exactly does that mean? Person type includes individuals who are pedestrians, those in a passenger car, those who are riding in a bus, etc. We’ve gone through and listed the person type trends in fatalities, listed below.

Traffic Fatalities by Person Type2013 2014 2015 2016 2017 
Number of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercentNumber of IndividualsPercent
Passenger Car2323826243257382724030945
Light Truck - Pickup1402311319161241342010816
Light Truck - Utility94158214112171101610916
Light Truck - Van203132142243162
Light Truck - Other3051205120
Large Truck173132183132172
Other/Unknown Occupants911837116251
Total Occupants5158450683571845748457183
Bus0000000051
Motorcyclists396417375507406
Pedestrian5395396395887110
Bicyclist and Other Cyclist6161515171
Total Nonoccupants5910601069106397911
Other/Unknown Nonoccupants0010100010
Total613100607100677100687100690100

The type of crash can also be an important factor in fatality statistics in Mississippi. Below we’ve provided the different types of crashes and how they’ve affected fatality rates over the past few years.

Crash Type20132014201520162017
Single Vehicle396366399409375
Involving a Large Truck63817278102
Involving Speeding12696968159
Involving a Rollover168151207200174
Involving a Roadway Departure382325424432399
Involving an Intersection (or Intersection Related)11011210498108
Total Fatalities (All Crashes)613607677687690

So what does all this mean for the future of Mississippi? Well below, we’ve compiled the five-year trend for the top-10 counties in Mississippi.

RankCounty20132014201520162017
1Hinds County2831474645
2Harrison County2423282134
3Desoto County1719242423
4Jackson County1828202723
5Lee County1920141923
6Rankin County2118161922
7Panola County1511101221
8Pike County911151320
9Forrest County89151018
10Marshall County1414171617
Total613607677687690

See that some counties have remained fairly stable over the past few years, while others have increased.

Marshal County, for instance, has remained approximately the same. Meanwhile, Hinds County just from the year 2014 to 2015 increased in fatalities by 52 percent!

We’ll shift focus to speeding related fatalities in Mississippi, as it is another major contributing factor. Below we’ve compiled a list of speeding related fatalities by county.

County name20132014201520162017
Adams02110
Alcorn10210
Amite10001
Attala10300
Benton10001
Bolivar21220
Calhoun00020
Carroll00000
Chickasaw00210
Choctaw01000
Claiborne11010
Clarke12000
Clay00100
Coahoma10000
Copiah81000
Covington12300
Desoto62478
Forrest00122
Franklin00000
George21021
Greene02110
Grenada20002
Hancock21300
Harrison861133
Hinds451086
Holmes00100
Humphreys00000
Issaquena02000
Itawamba01100
Jackson54351
Jasper00021
Jefferson00000
Jefferson Davis41000
Jones14421
Kemper00200
Lafayette10000
Lamar43000
Lauderdale32321
Lawrence11000
Leake10310
Lee53200
Leflore02000
Lincoln44111
Lowndes14010
Madison36420
Marion00301
Marshall22320
Monroe32130
Montgomery10010
Neshoba00121
Newton30130
Noxubee00011
Oktibbeha20010
Panola52012
Pearl River53531
Perry10000
Pike01133
Pontotoc10411
Prentiss00010
Quitman10010
Rankin44226
Scott22021
Sharkey00000
Simpson11120
Smith01001
Stone42001
Sunflower10000
Tallahatchie20000
Tate13002
Tippah02100
Tishomingo01001
Tunica10000
Union11002
Walthall02100
Warren21101
Washington01125
Wayne10100
Webster30110
Wilkinson00000
Winston11010
Yalobusha30010
Yazoo00000

Now, we’ve gone over drunk driving in Mississippi in a previous section, and the dangers of driving drunk. In the table below, we’ve compiled the list of drunk-driving related fatalities by county (BAC of 0.08 or higher). See how your county fairs out below.

County Name20132014201520162017
Adams44111
Alcorn22122
Amite23120
Attala10100
Benton11102
Bolivar42411
Calhoun10220
Carroll02111
Chickasaw12201
Choctaw00000
Claiborne32342
Clarke20101
Clay11210
Coahoma31211
Copiah32423
Covington32202
Desoto510645
Forrest31523
Franklin10100
George41621
Greene11101
Grenada51110
Hancock41321
Harrison1267310
Hinds7915118
Holmes52302
Humphreys10102
Issaquena00000
Itawamba21113
Jackson56586
Jasper11121
Jefferson10001
Jefferson Davis50110
Jones44301
Kemper12133
Lafayette31334
Lamar42004
Newton21110
Noxubee00000
Oktibbeha40101
Panola63225
Pearl River52422
Perry20001
Pike25634
Pontotoc25211
Prentiss22264
Quitman21120
Rankin56421
Scott41211
Sharkey00001
Simpson22022
Smith11032
Stone31222
Sunflower21101
Tallahatchie11100
Tate12363
Tippah11214
Tishomingo21013
Tunica33211
Union43001
Walthall11120
Warren62341
Washington33117
Wayne20101
Webster10100
Wilkinson02010
Winston01101
Yalobusha30001
Yazoo13301

What makes these statistics more alarming? These number are also including teen drivers.

In 2018, there were 66 DUI arrests for driver’s under 18 years old. This ranks Mississippi as the 22nd most dangerous state in the United States for drunk driving. Considering there are 50 states in the United States, that ranks Mississippi in the top 50 percent!

Now that we’ve covered several of the largest contributing factors to traffic fatalities, we’ll move on to the EMS wait time in the case you are to be involved in an accident.

–EMS Response Time in Mississippi

So you’ve been involved in a vehicular accident and you’ve been injured, you’re going to need to call EMS. The Emergency Medical Services will rush to your location in order to give you the help you need. Response time can vary from state to state.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Urban3.96 min7.52 min30.84 min40.99 min144
Rural3.69 min10.48 min33.63 min47.05 min481

Mississippi EMS has excellent response times. It takes under an hour to get to the hospital in both urban and rural locations! Considering how large the state is, these numbers should give you some peace of mind!

–Transportation in Mississippi

Now that we’ve gone over all of this information, how does this apply to you as a normal driver on the road? Well, we’ll go over some transportation-related data, such as commute times and how most people in Mississippi commute to work,  to show you exactly what to expect while living in Mississippi.

If you own more than one car, you aren’t alone in the state of Mississippi! The average number of cars is two per household.

The average commute time in Mississippi is 23.8 minutes. The national commute time for the normal U.S. worker is approximately 25.3 minutes, so Mississippi actually has a shorter commute time than the national average! Contributing to this commute time also is the fact that approximately 2.63 percent of the workforce in Mississippi has a commute of over 90 minutes, also known as a “super commute”. We salute those of you out there in this percentage!

So you’re commuting to work with this average time of 23.8 minutes, but how exactly are most Mississippi citizens getting to work? Do you carpool with your buddies from the office, or are you a solo flyer? Well, the most common method of travel in the state for the average worker is to drive alone to their job sites, a whooping 84.6 percent!

–Traffic Congestion in Mississippi

So now imagine, you wake up and realize your alarm didn’t go off. Now you’re trying to head into work as quickly as you can, what’s the worst thing for you to run into? That’s right, traffic congestion. Well luckily for you, NONE of Mississippi’s cities made it onto INRIX’s scorecard for global traffic. Why is this significant? It means that even in Jackson, the largest city and capital of Mississippi, there is such a small amount of time spent in traffic that it wasn’t worth mentioning.

That concludes our comprehensive guide for car insurance for the state of Mississippi. We hope that this information was useful to you, and that you were able to use it to help you pick the best insurance coverage for your needs. Drive easy and safe out there in the beautiful Magnolia State!

If you haven’t already, don’t forget to check out our comparison online tool! It’s FREE, just enter your zip code and start comparing car insurance policies today!

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