get a mississippi car insurance quote from esurance
mississippi car insurance
Esurance started offering car insurance in Mississippi back in 2006. And we've been determined to provide tech-driven, affordable car insurance to Magnolia State drivers ever since.
When you start a personalized Mississippi car insurance quote with us, you can take advantage of the perks that make us a desired name in auto insurance. Our Homeowners discount lets Mississippi's many homeowners (the third-highest percentage of any U.S. state!) earn sweet savings just for owning their house. And CoverageMyWay®, only from Esurance, is built right into the quoting process to help prioritize available coverage options based on the information you provide, instilling you with the confidence you deserve to make smart choices.
"Best of Service"
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
mississippi car insurance discounts from esurance
When you get your Mississippi car insurance quote, you could qualify for these great discounts:
- Fast 5® discount
- Homeowners discount
- Multi-Car discount
- Paid-in-Full discount
- Switch & Save® discount
- Defensive Driver discount
- Good Student discount
Discounts may vary. If you're a current Esurance policyholder and have questions about your car insurance discounts, please call us at 1-800-ESURANCE (1-800-378-7262).
mississippi auto insurance coverages
Car insurance in Mississippi must include the following coverages and limits:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per incident
- $25,000 in property damage liability coverage per incident
These required minimums will often be expressed as 25/50/25. You'll be able to exceed the requirements and choose higher limits, if you prefer, when you get your quote.
Driving without car insurance in Mississippi
Drivers convicted of driving without Mississippi auto insurance can lose driving privileges for one year (or until they can prove they have coverage) and face fines up to $1,000.
Motorists are allowed to provide digital proof of insurance on their smartphones, tablets, and other devices in the unfortunate event they get pulled over. Esurance customers in the Hospitality State can download our helpful mobile app for constant access to ID cards and other helpful policy management tools.
Variety is our middle name (well, it's really Fillmore, but just go with it). We want Mississippi drivers to have as many coverage options as they need to have the utmost peace of mind on the road. That's why in addition to your basic Mississippi auto insurance requirements, you can also add any of the following protections:
- Comprehensive and collision (may be required by your loan or leasing agent)
- Emergency Roadside Service
- CarMatch Rental Coverage®
- Customized parts and equipment
- Loan/lease gap
- Medical payments
- Uninsured/underinsured motorist bodily injury
- Uninsured motorist property damage
Some exclusions may apply. If you're currently an Esurance policyholder and have questions about your coverages, call us at 1-800-ESURANCE (1-800-378-7262) to get answers.
car repair shops in mississippi
Esurance customers who have Mississippi car insurance can take their damaged to cars to shops in our E-star® network and take advantage of RepairView® and guaranteed repairs for as long as the car is theirs.
esurance coverage counselor®
Spend a few minutes with our online counselor for personalized insurance options to customize and improve your policy. It's our commitment to making the insurance process easier and smarter.
driving statistics that could impact mississippi car insurance rates
Car insurance rates are determined, in part, by location (although there are plenty of ways to counteract this factor, like keeping a clean driving record). Here are a few other trends that could affect what you pay for car insurance:
The third-highest rate of uninsured drivers in the nation
A report from the Insurance Research Council estimated that about 23 percent of Mississippi drivers were uninsured in 2012 — almost double the national average of 12.6 percent.
Uninsured motorist bodily injury coverage is a mouthful, but it can help protect you from uninsured drivers. This coverage allows you to file a claim with your own insurer if you're in an accident with an at-fault driver who doesn't have any (or enough) liability coverage to cover your medical expenses.
Uninsured motorist property damage can help pay to repair or replace your damaged car.
Mississippians depend greatly on their cars for commuting. A 2011 U.S. Census Bureau survey found that 0.4 percent of the working population used public transportation to commute (tied for the least in the nation).
Tropical storms in Mississippi
Mississippi lies in the danger zone for heavy hurricanes, which can (of course) cause significant property damage to cars. This increased risk of damage and financial loss can affect car insurance rates for residents of the Magnolia State. Luckily, comprehensive coverage can help protect you against repair and replacement bills from coming out of your wallet.
alternative car insurance options
If you have trouble finding Mississippi car insurance through typical channels, you may be eligible for a state-mandated insurance plan. Head to the website for Mississippi's assigned risk car insurance to find out more.
How speeding tickets impact your rates
Learn the truth about how speeding violations impact your policy and how speed limits vary by state.
The costs of uninsured driving
Find out why an accident will hit not just your car, but also your wallet, if you're uninsured.