Mississippi Insurance Agencies by County

How to Lower Your Car Insurance in Mississippi (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Mississippi? Whether you’re commuting in Jackson, driving the Gulf Coast, or traveling rural highways, there are smart ways to reduce premiums. This overview explains how Mississippi insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Mississippi Score You

• Driving history – Accidents, tickets, DUIs, and prior claims can raise rates.
• Credit score – Mississippi allows credit-based insurance scoring; better credit often lowers premiums.
• Location – City vs. rural risk, theft rates, and claim frequency vary by county.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles typically reduce premiums.

10 Ways to Lower Your Car Insurance in Mississippi

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Mississippi Minimum Auto Insurance Requirements

Mississippi generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Storms, Flooding, and Comprehensive Coverage

Mississippi drivers can face severe storms, flooding, hail, and theft risk. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and storm-related losses (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.