Cheap Car Insurance in Mississippi
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Mississippi Car Insurance Minimums
Mississippi requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
At-fault (tort) state.
Source: Miss. Code Ann. § 83-11-101; Miss. Code Ann. § 63-15-3 (Motor Vehicle Safety Responsibility Law), verified 2026-09-01.
What drives car insurance rates in Mississippi
Average spend per insured vehicle, 2023
$1,200
Mississippi drivers spent $1,200 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
72¢
Auto insurers in Mississippi paid 72 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.81
Mississippi recorded 753 traffic deaths in 2024, 1.81 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
138.3
Mississippi reported 4,087 motor vehicle thefts in 2025, 138.3 per 100,000 residents, from 145.3 the year before. Theft claims are paid under comprehensive coverage.
Uninsured drivers, 2023
28.2%
The Insurance Research Council estimates 28.2% of Mississippi drivers carried no liability insurance in 2023, against 15.4% nationally. Uninsured motorist coverage is what pays when one of them hits you.
Natural-hazard loss rank
#30
FEMA ranks Mississippi #30 of 51 for expected annual loss from natural hazards; flood accounts for 31% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Uninsured drivers, 2023: Insurance Research Council, 2023 data
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Mississippi
The ten insurer groups that wrote the most auto premium in Mississippi in 2025, with their share of the state total of $2.8 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 25.36% | $712 million |
| 2 | Progressive Group | 19.9% | $559 million |
| 3 | Southern Farm Bureau Casualty Group | 11.27% | $317 million |
| 4 | Allstate Insurance Group | 9.92% | $279 million |
| 5 | United Services Automobile Association Group | 6.06% | $170 million |
| 6 | Berkshire Hathaway Group | 5.55% | $156 million |
| 7 | Liberty Mutual Group | 4.24% | $119 million |
| 8 | Alfa Insurance Group | 4.2% | $118 million |
| 9 | Shelter Insurance Group | 3.68% | $103 million |
| 10 | Nationwide Corp Group | 1.98% | $56 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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