Buying car insurance can be a headache. It’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Mississippi
For minimum coverage, the average annual cost of car insurance in Mississippi is $492. For full coverage, you will find an average annual car insurance rate of $1,782.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $50,000 for bodily injury per person, a $100,000 upper limit for all bodily injuries per accident, and $25,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
Whether you live in Tupelo, Oxford, Jackson, Hattiesburg, or elsewhere in Mississippi, you can find Mississippi Farm Bureau discounts and affordable insurance with Progressive, Safeway, State Farm, and other national insurance brands.
Car owners in their 20s
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- State Farm:
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At an annual rate, you can expect to pay $762 per year.
At a monthly rate, this comes out to $64 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $832 per year.
At a monthly rate, this comes out to $69 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,264 per year.
At a monthly rate, this comes out to $105 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,271 per year.
At a monthly rate, this comes out to $106 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,295 per year.
At a monthly rate, this comes out to $108 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $334 per year.
At a monthly rate, this comes out to $28 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $428 per year.
At a monthly rate, this comes out to $36 per month.
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- Safeway:
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At an annual rate, you can expect to pay $582 per year.
At a monthly rate, this comes out to $48 per month.
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- Progressive:
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At an annual rate, you can expect to pay $618 per year.
At a monthly rate, this comes out to $52 per month.
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- MetLife:
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At an annual rate, you can expect to pay $698 per year.
At a monthly rate, this comes out to $58 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $337 per year.
At a monthly rate, this comes out to $28 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $384 per year.
At a monthly rate, this comes out to $32 per month.
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- Safeway:
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At an annual rate, you can expect to pay $513 per year.
At a monthly rate, this comes out to $43 per month.
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- Progressive:
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At an annual rate, you can expect to pay $579 per year.
At a monthly rate, this comes out to $48 per month.
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- Safe Auto:
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At an annual rate, you can expect to pay $627 per year.
At a monthly rate, this comes out to $52 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $336 per year.
At a monthly rate, this comes out to $28 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $377 per year.
At a monthly rate, this comes out to $31 per month.
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- Safeway:
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At an annual rate, you can expect to pay $453 per year.
At a monthly rate, this comes out to $38 per month.
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- Progressive:
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At an annual rate, you can expect to pay $547 per year.
At a monthly rate, this comes out to $46 per month.
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- Shelter:
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At an annual rate, you can expect to pay $570 per year.
At a monthly rate, this comes out to $48 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $319 per year.
At a monthly rate, this comes out to $27 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $341 per year.
At a monthly rate, this comes out to $28 per month.
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- Safeway:
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At an annual rate, you can expect to pay $495 per year.
At a monthly rate, this comes out to $41 per month.
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- Progressive:
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At an annual rate, you can expect to pay $535 per year.
At a monthly rate, this comes out to $45 per month.
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- Shelter:
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At an annual rate, you can expect to pay $570 per year.
At a monthly rate, this comes out to $48 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,100 per year.
At a monthly rate, this comes out to $175 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,562 per year.
At a monthly rate, this comes out to $214 per month.
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- Safeway:
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At an annual rate, you can expect to pay $3,375 per year.
At a monthly rate, this comes out to $281 per month.
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- Shelter:
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At an annual rate, you can expect to pay $3,587 per year.
At a monthly rate, this comes out to $299 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,980 per year.
At a monthly rate, this comes out to $332 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,354 per year.
At a monthly rate, this comes out to $113 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,368 per year.
At a monthly rate, this comes out to $114 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,832 per year.
At a monthly rate, this comes out to $153 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,918 per year.
At a monthly rate, this comes out to $160 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,051 per year.
At a monthly rate, this comes out to $171 per month.
Car owners in their 40s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,254 per year.
At a monthly rate, this comes out to $104 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,322 per year.
At a monthly rate, this comes out to $110 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,641 per year.
At a monthly rate, this comes out to $137 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,650 per year.
At a monthly rate, this comes out to $138 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,767 per year.
At a monthly rate, this comes out to $147 per month.
Car owners in their 50s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,212 per year.
At a monthly rate, this comes out to $101 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,289 per year.
At a monthly rate, this comes out to $107 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,389 per year.
At a monthly rate, this comes out to $116 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,431 per year.
At a monthly rate, this comes out to $119 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,606 per year.
At a monthly rate, this comes out to $134 per month.
Car owners in their 60s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,128 per year.
At a monthly rate, this comes out to $94 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,221 per year.
At a monthly rate, this comes out to $102 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,389 per year.
At a monthly rate, this comes out to $116 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,448 per year.
At a monthly rate, this comes out to $121 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,535 per year.
At a monthly rate, this comes out to $128 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Mississippi.
Car owners in their 20s
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- State Farm:
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At an annual rate, you can expect to pay $1,048 per year.
At a monthly rate, this comes out to $87 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,153 per year.
At a monthly rate, this comes out to $96 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,566 per year.
At a monthly rate, this comes out to $130 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,631 per year.
At a monthly rate, this comes out to $136 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,632 per year.
At a monthly rate, this comes out to $136 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,752 per year.
At a monthly rate, this comes out to $146 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,779 per year.
At a monthly rate, this comes out to $148 per month.
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- Safeway:
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At an annual rate, you can expect to pay $2,211 per year.
At a monthly rate, this comes out to $184 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,043 per year.
At a monthly rate, this comes out to $254 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,121 per year.
At a monthly rate, this comes out to $260 per month.
Car owners in their 40s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,622 per year.
At a monthly rate, this comes out to $135 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,714 per year.
At a monthly rate, this comes out to $143 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,986 per year.
At a monthly rate, this comes out to $166 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,861 per year.
At a monthly rate, this comes out to $238 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,121 per year.
At a monthly rate, this comes out to $260 per month.
Car owners in their 50s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,563 per year.
At a monthly rate, this comes out to $130 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,676 per year.
At a monthly rate, this comes out to $140 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,717 per year.
At a monthly rate, this comes out to $143 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,782 per year.
At a monthly rate, this comes out to $232 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,820 per year.
At a monthly rate, this comes out to $235 per month.
Car owners in their 60s
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,447 per year.
At a monthly rate, this comes out to $121 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,583 per year.
At a monthly rate, this comes out to $132 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,742 per year.
At a monthly rate, this comes out to $145 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,697 per year.
At a monthly rate, this comes out to $225 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,820 per year.
At a monthly rate, this comes out to $235 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Safeway:
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At an annual rate, you can expect to pay $1,264 per year.
At a monthly rate, this comes out to $105 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,437 per year.
At a monthly rate, this comes out to $120 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,448 per year.
At a monthly rate, this comes out to $121 per month.
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- Safe Auto:
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At an annual rate, you can expect to pay $2,000 per year.
At a monthly rate, this comes out to $167 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,176 per year.
At a monthly rate, this comes out to $181 per month.
Car owners in their 30s
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- Safeway:
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At an annual rate, you can expect to pay $1,832 per year.
At a monthly rate, this comes out to $153 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,381 per year.
At a monthly rate, this comes out to $198 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,108 per year.
At a monthly rate, this comes out to $259 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,508 per year.
At a monthly rate, this comes out to $292 per month.\
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- Safe Auto:
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At an annual rate, you can expect to pay $3,701 per year.
At a monthly rate, this comes out to $308 per month.
Car owners in their 40s
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- Safeway:
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At an annual rate, you can expect to pay $1,650 per year.
At a monthly rate, this comes out to $138 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,182 per year.
At a monthly rate, this comes out to $182 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,978 per year.
At a monthly rate, this comes out to $248 per month.
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- Safe Auto:
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At an annual rate, you can expect to pay $3,052 per year.
At a monthly rate, this comes out to $254 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,108 per year.
At a monthly rate, this comes out to $259 per month.
Car owners in their 50s
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- Safeway:
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At an annual rate, you can expect to pay $1,431 per year.
At a monthly rate, this comes out to $119 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,109 per year.
At a monthly rate, this comes out to $176 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,519 per year.
At a monthly rate, this comes out to $210 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,832 per year.
At a monthly rate, this comes out to $236 per month.
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- Safe Auto:
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At an annual rate, you can expect to pay $2,894 per year.
At a monthly rate, this comes out to $241 per month.
Car owners in their 60s
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- Safeway:
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At an annual rate, you can expect to pay $1,448 per year.
At a monthly rate, this comes out to $121 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,963 per year.
At a monthly rate, this comes out to $164 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,519 per year.
At a monthly rate, this comes out to $210 per month.
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- Safe Auto:
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At an annual rate, you can expect to pay $2,795 per year.
At a monthly rate, this comes out to $233 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,801 per year.
At a monthly rate, this comes out to $233 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Mississippi.
A first offense DUI in Mississippi will incur a fine between $250 and $1,000 with up to 48 hours imprisonment, while a third DUI offense will incur a felony. Mississippi allows for non-adjudication for DUI cases, meaning the defendant can plead guilty and avoid conviction in favor of probation and expungement of the offense from your criminal record.
Car owners in their 20s
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- State Farm:
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At an annual rate, you can expect to pay $1,240 per year.
At a monthly rate, this comes out to $103 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,529 per year.
At a monthly rate, this comes out to $127 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,543 per year.
At a monthly rate, this comes out to $129 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,754 per year.
At a monthly rate, this comes out to $146 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,797 per year.
At a monthly rate, this comes out to $150 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,994 per year.
At a monthly rate, this comes out to $166 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,363 per year.
At a monthly rate, this comes out to $197 per month.
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- Safeway:
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At an annual rate, you can expect to pay $2,373 per year.
At a monthly rate, this comes out to $198 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,485 per year.
At a monthly rate, this comes out to $207 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,126 per year.
At a monthly rate, this comes out to $260 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,952 per year.
At a monthly rate, this comes out to $163 per month.
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- Safeway:
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At an annual rate, you can expect to pay $2,130 per year.
At a monthly rate, this comes out to $178 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,204 per year.
At a monthly rate, this comes out to $184 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,238 per year.
At a monthly rate, this comes out to $186 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,126 per year.
At a monthly rate, this comes out to $260 per month.
Car owners in their 50s
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- Safeway:
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At an annual rate, you can expect to pay $1,839 per year.
At a monthly rate, this comes out to $153 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,909 per year.
At a monthly rate, this comes out to $159 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,088 per year.
At a monthly rate, this comes out to $174 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $2,147 per year.
At a monthly rate, this comes out to $179 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,858 per year.
At a monthly rate, this comes out to $238 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $1,806 per year.
At a monthly rate, this comes out to $150 per month.
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- Safeway:
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At an annual rate, you can expect to pay $1,866 per year.
At a monthly rate, this comes out to $156 per month.
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- Mississippi Farm Bureau:
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At an annual rate, you can expect to pay $1,966 per year.
At a monthly rate, this comes out to $164 per month.
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- Progressive:
At an annual rate, you can expect to pay $2,010 per year.
At a monthly rate, this comes out to $168 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,835 per year.
At a monthly rate, this comes out to $236 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Mississippi, this would be the Mississippi Automobile Insurance Plan, or MAIP plan.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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