Mississippi Car Insurance
If you are a new resident in Mississippi, welcome to the 32nd largest and 34th most populous state in the United States! Mississippi shares borders with Tennessee, Alabama, the Gulf of Mexico, and Louisiana with a population of nearly three million local inhabitants. With that many people in an area just over 48,000 square miles, it stands to reason that Mississippi drives are all in need of high quality affordable auto insurance for their vehicles.
Auto Insurance Requirements in Mississippi
As a Mississippi driver, the bare minimum car insurance requirement necessary to have your vehicle legally registered on the road is: $25,000 of coverage for bodily injury per person per accident, $50,000 of bodily injury coverage for all persons per accident, and $25,000 property damage liability coverage per incident as well.
Those coverage amounts are intended to mitigate the cost of any automobile accidents, and to protect everyone from the possibility of a collision with an uninsured driver. Having auto insurance is not a luxury in Mississippi, it is a legal requirements and failure to obtain the necessary coverage amounts can result in a fine or even imprisonment for repeat offenses. Fortunately, getting good quality car insurance in Mississippi is easier than ever thanks to free online insurance quotes from State Car Insurance US and the many insurance companies that are here to serve you.
Average Cost of Coverage in Mississippi (H2)
The average cost of car insurance in Mississippi varies quite a bit annually, and is also dependent on many factors including the make, model and age of your vehicle as well as your past driving history. As a starting point, you should know that $827.31 per year was the overall median price as of November 7th, 2018 (the last time rates were aggregated and reported by governmental regulators. That compares favorably to the national average price of $889.01 over that same period of time.
Cheapest Car Insurance Companies in Mississippi
As you might expect, State Farm insurance had the best rates we found for minimum coverage auto insurance in Mississippi with a sample free quote that stated a price of just $34 per month! However, as mentioned previously, rates do vary quite a bit based on your driving history and the vehicle you wish to insure so other companies competing for your insurance business like Mississippi Farm Bureau and Allstate are also high on the list of qualified carriers worth considering.
The main point is simple, getting free quotes from multiple auto insurance companies through a helpful site like this one is the best way to have insurers compete, and that usually results in lower prices for you.
Cheapest Car Insurance in Mississippi by City
Whether you are in a big city like Jackson Mississippi with a population well over 100,000 people or in a smaller town like McCool Mississippi with just over 125 residents, having auto insurance that meets all legal requirements at the most affordable rates is one thing that always remains constant.
Most Expensive Car Insurance in Mississippi by City
Larger cities with dense populations unfortunately have more accidents per year due to more drivers being on the road so the rates for car insurance are almost always higher in places like Tupelo Mississippi than they are in small towns like Tillatoba Mississippi. What matters most is getting the best price available on your own auto insurance and that always starts with a free quote from State Car Insurance US today.
Laws, Rules And Penalties in Mississippi
If you are caught driving without insurance in Mississippi, the first offense usually carries a fine of up to $1,000 and often the drive will face suspension of their driver's license and / or vehicle registration for 1 full year or more. There is also a requirement that you be able to show proof of financial responsibility, and proper insurance on your vehicle before you can get the vehicle back on the road or have your driving privileges restored.
Repeat offenders who are caught multiple times without a properly insured vehicle in Mississippi have their drivers license revoked for a longer period of time, face much stiff fines and financial penalties, may have their car confiscated and taken by the State outright, or can even be assessed criminal penalties that include significant jail time. Stay out of jail by simply getting a free quote on affordable car insurance and choosing the legal cheap insurance for your car in Mississippi right here on this website today.
How to Save Money to Car Insurance in Mississippi
Having a clean driving record, avoiding owning a sports car, and living in a less densely populated area can all lead to lower car insurance rates in Mississippi. However, the single best way to get a lower rate on car insurance is always to make insurance companies compete by getting free insurance quotes from more than one insurance carrier and comparing them head to head. We can help and we look forward to assisting you in your quest to get the best car insurance in Mississippi for even less!