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Cheap Car Insurance in Mississippi

Everything You Need to Know About Auto Insurance in Mississippi

Mississippi, known as “The Hospitality State,” welcomes visitors with warmth and Southern charm. Mississippians are friendly and create a welcoming environment for everyone. There, you can immerse yourself in the state’s cultural heritage as you explore its communities.

From small towns that showcase local shops and eateries to vibrant cities with thriving arts scenes, Mississippi offers a blend of history and contemporary culture. You can discover the melodies of blues music that originated in the Mississippi Delta, visit museums and landmarks that bring the state’s past to life, and indulge in the flavors of Southern cuisine.

Beyond its cultural allure, Mississippi boasts landscapes that are sure to enchant. Whether it’s the rolling green hills of the countryside, the rivers that flow through the state, or the coastal areas along the Gulf of Mexico, Mississippi offers a diverse array of natural beauty. There’s nothing quite like exploring the wilderness by hiking through trails, immersing yourself in the tranquility of a day spent fishing on one of Mississippi’s many lakes, or simply taking in the sights and sounds of the great outdoors.

As you live in and explore Mississippi, it’s crucial to prioritize your safety and adhere to the state’s legal requirements. With Acceptance Insurance, you can have peace of mind knowing that you’re covered by comprehensive car insurance plans specifically tailored to meet the unique needs of Mississippi residents. So, whether you’re embarking on a road trip to discover the hidden gems of the state or simply navigating your daily commute, you can focus on enjoying your journey with the knowledge that you are protected.

How Much Does Car Insurance in Mississippi Cost?

On average, drivers in Mississippi pay about $446 per year for minimum coverage and approximately $1,771 per year for full coverage. It’s worth noting that these rates are lower than the national average of $2,014 for full coverage policies and also lower than the state-required minimum, which has a national average of $622.

Car insurance rates in the Hospitality State can vary depending on several factors. When calculating your rates, insurance providers take into account your age, location, coverage options, driving history, and other factors that we will explore in this guide. Furthermore, the team at Acceptance Insurance is always ready to assist you in finding the best ways to lower your car insurance!

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What Is the Average Premium for Cheap Full Coverage Car Insurance in MS?

In the state of Mississippi, drivers can anticipate an average monthly cost of $148 for full coverage car insurance.

When it comes to choosing the right policy, it’s essential to consider the different options available. While going for the minimum liability insurance is the cheaper option, selecting full coverage car insurance could actually be a wiser choice.

Full coverage insurance includes not only the state-required minimum for liability coverage, but also provides added protection with collision and comprehensive coverage. With collision coverage, you can have peace of mind knowing that damages to your vehicle will be covered, even if you’re at fault. And with comprehensive coverage, you’re safeguarded against damages or theft in situations other than accidents. It’s like having an extra layer of security for your vehicle.

So, when weighing your options, think about the future and the potential benefits of investing in full coverage car insurance. It may just provide the peace of mind and protection you need on the road.

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in MS?

In Mississippi, you can get minimum state-required coverage for just $37 per month.

Liability insurance is there to cover damages and injuries to other drivers if you’re found to be at fault in an accident. It’s like having a safety net against lawsuits filed by other drivers. However, it’s important to note that it won’t pay for the damages to your own vehicle. Unless you have a valid claim against someone else, you may end up shouldering the repair costs on your own.

So, why settle for the minimum when you can exceed expectations? Consider opting for additional coverage above the state requirement. Buckle up and enjoy the peace of mind that comes with the right level of insurance coverage.

How do Insurance Rates Compare Across Mississippi’ Major Cities

Your location plays a big role in determining your insurance rates. If you drive in busy cities like Jackson, you may have to pay a higher premium compared to those driving on rural roads. Here are a few cities in Mississippi to consider for comparing rates:

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City Full Coverage Insurance Liability Insurance Coverage
Gulfport $140 $45
Tupelo $120 $34
Jackson $148 $45
Biloxi $138 $44
Southaven $134 $43
Hattiesburg $133 $39

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

What are Some Car Insurance Discounts in the Hospitality State?

Want to save on your insurance premiums? Many insurance companies offer a variety of benefits and discounts for which you may qualify.

Let’s explore some of the benefits offered by discounts:

  • Safe driver: If you have a clean record without any accidents or traffic violations in the past few years, you could enjoy significant savings.
  • Multi-policy: By bundling multiple policies, such as auto and homeowners insurance, you may qualify for a discount on both policies.
  • Good student: If you’re a student maintaining good grades, you could receive a discount on your car insurance.
  • Usage-based: Some insurers offer programs that track your driving habits using a telematics device. If you demonstrate safe driving behavior, you could receive a benefit.
  • Green vehicle: Driving an eco-friendly car? You may be eligible for a discount as insurers often encourage environmentally conscious choices.
  • Pay-in-full: If you pay your insurance premium in full upfront, you may be eligible for a benefit.
  • Loyalty: Building a long-term relationship with your insurer may lead to reduced rates as a loyal customer.

Remember, benefits can vary among insurance companies. You don’t have to figure out the discount options by yourself. Consult with an agent to discover all the available savings opportunities for you. They have the precise and up-to-date information to guide you towards the best possible rate. This is the advantage of working with insurance agents.

Mississippi Car Insurance Laws

Drivers in Mississippi need proof of financial responsibility. This means having minimum liability insurance to protect yourself and others in accidents. The Mississippi Insurance Department oversees this, setting the required coverage level for every driver.

What are Mandatory Vehicle Insurance Requirements in Mississippi?

Mississippi requires drivers to maintain car insurance as follows:

  • Bodily injuries: $25,000 per person, $50,000 per accident
  • Property damage: $25,000 per accident

However, it is important to understand that these are minimum requirements, and they may not be sufficient to cover the costs of a serious accident. For instance, if you’re involved in a collision with multiple cars and several people are injured, medical expenses can quickly add up to more than $50,000. In such a scenario, without additional coverage, you could be liable for the remaining costs. Therefore, it’s essential to carry higher coverage levels for better financial protection against liability claims and significant accident-related expenses.

Car insurance FAQs

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What Happens if You are Caught Driving Without Insurance in MS?

When it comes to driving without insurance in Mississippi, it’s important to understand the potential consequences. Here’s what you need to know:

  • Fine: You could face a fine of up to $1,000 if caught driving without insurance.
  • License suspension: Your driver’s license may be suspended for a maximum of 12 months.
  • Higher insurance rates: Driving without insurance can result in higher rates in the future.
  • Reinstating your license: To get your license back after a suspension, you’ll need to maintain SR-22 insurance for at least three years and pay a reinstatement fee.

Keep in mind that driving insured is not only a legal requirement but also crucial for your protection and the safety of others on the road.

What Factors Does Mississippi Law Allow in Determining Your Insurance Premiums?

Insurance companies take into account several factors when setting the cost of a driver’s premium. These factors are carefully considered because they are linked to a higher likelihood of accidents. Here are some of the factors commonly used by insurance companies to determine premiums:

  • Age: Younger drivers tend to have higher premiums due to their lack of driving experience.
  • Location: Insurance costs can vary depending on the zip code, as some areas may have higher accident rates.
  • Driving history: A record of previous accidents or claims can impact your premium.
  • Vehicle type: The make and model of your vehicle can affect the cost of insurance.
  • Marital status: Married individuals may be eligible for lower premiums compared to single drivers.
  • Gender: Statistically, some studies suggest that men may have higher accident rates, which can impact their premiums.
  • Credit score: A good credit score can sometimes lead to lower insurance premiums.

By understanding how these factors contribute to your premium, you can make informed decisions to reduce your rates. Don’t hesitate to explore different options and discounts available to you. Taking proactive steps like maintaining a good driving record, improving your credit score, and exploring cost-saving opportunities can help you potentially decrease your premiums.

Am I Required to Report an Accident in Mississippi to Authorities?

Yes. In Mississippi, you are generally required to report an accident to the police immediately.

The Mississippi Department of Public Safety (DPS) mandates reporting for accidents involving injury, death, or property damage exceeding $500.

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What is Driving in Mississippi Like?

Driving in Mississippi can be challenging due to heavy traffic in cities like Jackson, Gulfport, and Hattiesburg. Severe weather conditions, including rainstorms and hurricanes, can also make driving difficult. Stay alert, drive defensively, and adapt to changing weather for a safe journey.

How Many Car Accidents Happen in Mississippi?

Car accident fatalities and injuries in Mississippi continue to be a concern, with an increase in overall traffic fatalities from 752 in 2020 to 791 in 2021. However, there have been significant reductions in specific types of fatalities. Serious traffic injuries decreased from 3,616 in 2020 to 3,515 in 2021. Fatalities involving drunk drivers or motorcycle operators with a BAC of .08 or above decreased from 162 in 2020 to 140 in 2021, while speeding-related fatalities decreased from 126 to 112.

These improvements show progress, but efforts to enhance road safety and maintain these positive trends remain ongoing by the Mississippi Office of Highway Safety.

How Many Drivers are Uninsured/Underinsured Motorists in MS?

Mississippi’s unfortunate record as the state with the highest rate of uninsured drivers in the nation cannot be ignored. Shockingly, as many as 29.4 percent of drivers in Mississippi are without proper insurance coverage, according to the Insurance Information Institute (III).

With such a concerning number of uninsured drivers on the roads, it becomes increasingly important to take steps to protect yourself financially. One of the best ways to do this is by considering full coverage auto insurance, which provides benefits for your damages, regardless of fault. Uninsured motorist coverage is another great value for the relatively cheap price.

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FAQs About Mississippi Car Insurance

I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Mississippi?

Even if you have a tight budget, it is possible to find coverage that you can afford. To get the cheapest car insurance in Mississippi, consider these steps:

  1. Research and compare: Dedicate time to researching various insurance companies and policies.
  2. Understand coverage options: Familiarize yourself with the different types of coverage available.
  3. Seek discounts: Insurance agents can help you identify discounts like safe driving discounts, or for insuring multiple vehicles.
  4. Maintain a good driving record: Keeping a clean driving record is essential for both safety and securing lower insurance premiums.
  5. Increase your deductible: Choosing a higher deductible can lower your premium. However, make sure you have enough savings to cover the deductible itself.
  6. Consider bundling: Bundling your car insurance with other types of insurance, such as home or renters insurance, can often lead to discounted rates.

Can an Undocumented Worker Get Auto Coverage in MS?

Unfortunately, in Mississippi, it is not possible for undocumented workers to obtain car insurance. This is because the state does not issue driver’s licenses to undocumented immigrants. While this may be disappointing, it is important to follow the state’s regulations.

Is It Possible to Get Auto Insurance in Mississippi with a DUI on my Record?

Of course! Don’t worry, you can still get car insurance in Mississippi even with a DUI mark on your record. While having a DUI insurance requirement may make things a little bit more challenging, it’s certainly possible. Initially, you may have to pay higher premiums, but as time goes on, the impact of the conviction on your rates will diminish. Just keep in mind that you might not be eligible for safe driver discounts for a little while due to the incident.
If you have any other questions or need further assistance with insurance, feel free to reach out to a friendly local insurance agent. They’ll be more than happy to help you out!

Find Low-Cost Auto Insurance in Mississippi Today!

Acceptance Insurance offers customized and flexible policies that fit both your needs and your budget. Our dedicated team of agents will work closely with you to find the right coverage at a price that works for you. Call us at 877-405-7102, get a quick quote online, or visit our local offices.

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