Best Car Insurance In Mississippi: Cost & Companies (2024) (2024)

Below we’ve included our five picks for the best car insurance in Mississippi. Most providers recommended below have affordable rates or scored well in other ways. For instance, some are ranked high on the J.D. Power 2023 U.S. Auto Insurance StudySM for the Southeast region, which includes Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee. These providers also scored well in our team’s independent review, which considers cost, coverage, and customer service reputation in Mississippi.

#1 USAA: Best For Military

USAA insurance scored 876 out of 1,000 points in the J.D. Power study, earning the highest score in the Southeast region. However, because it is not available to all drivers, USAA was not eligible for formal ranking. To be eligible for Mississippi car insurance from USAA, you must be a military member or have military family members.

If you are eligible, a strong customer service reputation isn’t the only positive feature of USAA. USAA policies are often the lowest-cost insurance options. The many available discounts from USAA include:

  • Military installation: Receive up to 15 percent off of coverage if you garage your vehicle on a military base.
  • Annual mileage: Drivers over 19 years of age can receive a discount for driving fewer miles per year.
  • Premier driver: Receive a discount on Mississippi auto coverage by demonstrating safe driving and maintaining a good driving record.
  • Defensive driving course: Receive a premium reduction for taking a defensive driving class.
  • Driver training course: Drivers under the age of 21 can take a driver training course to earn a lower premium.
  • Good student discount: Full-time students with a GPA of at least 3.0 can receive a discount.
  • New vehicle discount: Vehicles less than three years old receive coverage discounts.
  • Family discount: Receive discounts for insuring multiple family members through USAA.

The only drawback to a USAA policy is that not everyone can purchase one, since it’s limited to military members and their families.

ProsAffordable rates and numerous discountsGood option for military members and young driversSuperior financial strength rating

ConsOnly available for military and their families

Learn more about the company by reading our full USAA insurance review.

#2 Alfa Insurance: Superior Local Service

Alfa Insurance started as a part of the Alabama Farmers Federation but has expanded into several states, including Mississippi. While it originally specialized in fire insurance, it now offers other insurance products, like home, renters, business, life, and auto policies.

Alfa did well in regional surveys, ranking fourth for the Southeast region in the 2023 J.D. Power Auto Insurance Study. It scored 851 out of 1,000 points, which is better than the regional average of 839. While not accredited by the Better Business Bureau (BBB), Alfa has an A+ BBB rating and zero filed customer complaints.

Drivers can find cheap car insurance in Mississippi by taking advantage of Alfa’s discounts such as:

  • Multi-car discount
  • Homeowner discount
  • Discount for bundling with an Alfa life insurance policy
  • Defensive driving discount
  • Young driver discount
  • Driver training discounts
  • Occupational discounts for educators, military, first responders, government employees, ministers, and farmers

Alfa policies are sold through local insurance agents, which means it takes a few more steps to request a quote or file a claim. However, these same local agents can be useful for Mississippi drivers who need a little more help choosing car insurance coverage or who prefer a more personal customer service experience.

ProsHigh customer satisfactionExcellent financial strength rating from AM BestUnique discount opportunities

ConsOnly offers standard coverage optionsMust be purchased through an agent

#3 Mississippi Farm Bureau: Affordable Mississippi Car Insurance

The Mississippi Farm Bureau Federation is the largest general farm organization in the state, but its perks go far beyond John Deere discounts. The company currently offers low-priced car insurance in all of Mississippi’s 82 counties. To qualify for a Mississippi Farm Bureau policy, drivers must join the federation and pay a small annual fee. Membership is open to anyone–farmers or otherwise.

Coverage options are somewhat limited but do include the most important types of car insurance that align with Mississippi state insurance requirements. Policies offered by the Mississippi Farm Bureau include:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments (MedPay) coverage
  • Uninsured/underinsured motorist coverage

Like Alfa Insurance, Mississippi Farm Bureau offers a personal touch with local agents. It can also feel nice to know your premiums go to supporting a local organization.

ProsLow rates for Mississippi driversExcellent financial strength rating from AM Best

ConsQuotes must be handled by an agentLimited coverage options

#4 Geico: Best For Basic Coverage

Geico has a strong customer service reputation across the country and offers affordable minimum coverage in Mississippi. It holds an A+ rating from the BBB and offers 16 different discounts.

Geico offers full coverage auto insurance policies with high payout limits, which are an excellent way to protect your vehicle. In addition to standard Mississippi car insurance coverage, Geico customers can also purchase:

  • Roadside assistance coverage: For as little as $14 per year, Geico’s roadside assistance add-on will cover jump-starts, spare tire installation, towing, and lockout services up to $100.
  • Rental reimbursem*nt: This service covers the cost of a rental vehicle while your car is in the shop. Coverage limits and policy costs vary.
  • Mechanical breakdown insurance (MBI): This service covers parts of your car that break down due to mechanical wear–it’s similar to an extended auto warranty.

It’s certainly worth reaching out to Geico for a quote if you are a Mississippi driver.

ProsSuperior financial strength rating and A+ rating from the BBBMany choices for coverage are available in all 50 statesHigh level of customer satisfaction

ConsAverage quotes experienceUsage-based app not available in all states

Compare: Geico vs. Progressive

#5 Progressive: Best For High-Risk Drivers

Progressive is considered one of the top auto insurance providers in the country because of its comprehensive coverage offerings and low rates (especially for high-risk drivers). If you’re looking for Mississippi car insurance, Progressive is definitely worth considering.

In addition to standard auto insurance policies, Progressive offers:

  • Roadside assistance
  • Loan/lease payoff
  • Rental car reimbursem*nt
  • Custom parts and equipment value coverage
  • Rideshare coverage

Progressive policies can be inexpensive for drivers who are able to take advantage of the company’s discount opportunities, such as:

  • Deductible savings bank: Rewards you with $50 toward your deductible for every 6 months you go without filing a claim.
  • Policy bundling: This add-on offers discounts for bundling your auto policy with another Progressive insurance policy, such as home insurance or Progressive motorcycle insurance.
  • Snapshot app: This app monitors your driving habits to set your premium. Be aware that if you’re not a safe driver, your rates could actually increase by participating in the program.

You can also save by using Progressive’s Name Your Price® tool. This tool allows customers to state the price they hope to pay for a car insurance policy and be matched with options that meet their budget.

ProsOne of the top auto insurers in the United StatesSuperior financial strength ratingGreat choice for high-risk driversSeveral money-saving features and easy quote process

ConsAverage claims processMixed customer service reviewsHigher rates than some competitors

To learn more, read our full Progressive insurance review.

Best Car Insurance In Mississippi: Cost & Companies (2024) (2024)
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