Cheap Mississippi Auto Insurance Quotes
Mississippi auto insurance is very inexpensive compared to other U.S. states – it’s only $1,245 on average per year. MS is the 9th cheapest state by automobile insurance and the 6th cheapest overall. So, if you have ever wanted to snag a cheap auto insurance policy, MS is the place to do it. Mississippi is a Tort state, 
where drivers only have to buy liability coverage in the amounts of: $25,000 (bodily injury per person), $50,000 (total bodily injury), and $25,000 (total property damage). No other coverage is required by law. However, it is a great idea to consider purchasing at least personal injury protection (PIP) and physical damage coverage (collision and comprehensive) in addition to liability, in order to be safe.
As stated above, auto insurance prices are very affordable in MS. For example, here are the averages for the states that border MS, together with brief remarks about their auto insurance laws: Louisiana - $2,088 (Tort state; only liability is required), Arkansas - $1,188 (Tort state with no-fault add-on; liability and PIP are required), Tennessee - $1,368 (Tort state; only liability is required), and Alabama - $1,246 (Tort state; only liability is required). As you can see, from these states, auto insurance is more affordable only in Arkansas.
Cheap auto insurance in Mississippi will be affected by your location. Drivers residing in larger cities like Jackson (184,256), Gulfport (71,127), or Biloxi (50,644), will typically have to pay more. Drivers residing in smaller cities like Moss Point (15,851), Picayune (10,535), or Diamondhead (5,912), will typically pay less. Other factors that will have an affect on the cost of your policy include: driving record, automobile, age, gender, credit score, mileage, and garaging location.
There are at least 115 insurers servicing the state of Mississippi. If you are looking for the most affordable automobile insurance in this state, do your best to get quotes from many of your local insurers. Some of the largest and best known insurance companies in MS are: Progressive, State Farm, GEICO, and Allstate. Lesser known insurance companies are: Bristol West, Safeco, and Safeway. Other than the companies just named, there are over one-hundred more car insurance companies to check out in order to obtain the lowest rate.
As we mentioned above, there are additional cheap auto insurance quotes and coverage that a driver can purchase in the Magnolia State. For the most part, it is very prudent to cover your medical bills and damages to your vehicle, unless it is very old and has a very low market value. To cover your medical bills, you can purchase PIP (personal injury protection) or medical payments coverage. PIP will additionally cover a portion of lost wages. To cover damages to your automobile, you can obtain comprehensive, collision, or both. Comprehensive insurance pays for most damages to your car other than those sustained in a collision. Comprehensive insurance will even pay for any damages from weather extremes like hurricanes, thunderstorms, and tornadoes that can hit this Southern state. Collision insurance pays only for the damages sustained in a collision.
There are a few other coverage types that drivers purchase in Mississippi: GAP (guaranteed asset protection), roadside assistance, and uninsured/underinsured motorist coverage. If you find it hard to decide on the coverage that would be adequate for your protection, you can consult with an insurance broker or agent. If you know what coverage you need, you can obtain rate quotes for it on the web. Remember to also visit the MS Insurance Department for updated news and laws.
