Mississippi Car Insurance Calculator

Mississippi Car Insurance Calculator

The Mississippi Car Insurance Calculator provides a quick, easy way to estimate your insurance costs. It uses your personal information and takes into account important factors such as your age, driving record, coverage levels and vehicle type. It also allows you to compare rates from several different companies to find the best deal.

Minimum State Required Auto Coverage

In Mississippi, drivers are required to have liability car insurance. This covers your legal defense in the event of an accident and pays for damages to other people or their property. It is important to have adequate liability insurance to protect yourself and your assets, especially if you live in an area with high crime rates.

You’ll want to consider purchasing higher liability limits to ensure you’re fully protected in the event of an accident. In addition, you should choose full coverage to add additional protection against damage or theft.

Choosing the Right Coverage Levels for Your Needs

In general, the amount of liability insurance you carry will have the biggest impact on your premiums. However, there are a few other options that can help you save money. These include comprehensive and collision coverage, which provide protection against damage to your vehicle or another driver’s property in an accident.

Depending on your circumstances, you might also consider getting uninsured motorist or MedPay coverage. This could help you cover the cost of medical expenses if you are hit by an uninsured driver, which can be expensive.

If you are a young or inexperienced driver, you may be able to get a lower rate on your car insurance by taking a driver education course. These classes are usually offered by your insurer and can earn you discounts for taking the class.

Your credit history is another factor that can affect your insurance rates. Generally, people with good or excellent credit scores can qualify for lower premiums than those with poor credit scores.

Being convicted of driving under the influence is one of the most common driving offenses, and it can impact your insurance rates. On average, Mississippi drivers with a DUI conviction pay 112% more in insurance premiums than those with a clean driving record.

In Mississippi, a policy with a $300,000 bodily injury liability limit along with comprehensive and collision insurance costs $678 per year on average.

Adding a Teenager to Your Policy Increases Rates by 3.1x

When it comes to the cheapest car insurance for drivers in Mississippi, your age plays a big role. Our analysis found that drivers aged 18 to 20 are the most expensive in the state, while those who are 40 years old or older typically have some of the lowest rates.

Adding a teen to your policy will raise your rates by an average of 2.9x, but that increases will vary based on the gender of the teen and their age.

Your location is also a major factor in the cost of your car insurance. In general, drivers who live in large cities will pay more than those who live in smaller communities.