Best Pay-As-You-Go Auto Insurance in Mississippi (Here Are the Top 10 Companies for 2024)
AAA, Safeco, and Farmers lead the way with the best pay-as-you-go auto insurance in Mississippi. Safeco has the cheapest pay-as-you-go insurance at $27/month, but AAA has exclusive benefits such as roadside assistance and membership discounts. Compare auto insurance discounts from Farmers to get lower rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Aug 12, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The top pick for the best pay-as-you-go auto insurance in Mississippi is AAA, offering the most competitive rates starting at $27/month. Safeco and Farmers also stand out for their cheap auto insurance for occasional drivers.
AAA excels with its comprehensive coverage and unbeatable rates, making it the best choice for pay-as-you-go (PAYG) coverage in Mississippi. Safeco and Farmers follow closely, delivering strong usage-based insurance (UBI) and competitive discounts.
Our Top 8 Company Picks: Best Pay-As-You-Go Auto Insurance in Mississippi
Company Rank Military Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A Online Tools AAA
#2 18% A Customer Service Safeco
#3 12% A Policy Discounts Farmers
#4 10% A+ Student Savings Nationwide
#5 14% A Customized Policies Liberty Mutual
#6 17% B Cheap Rates State Farm
#7 16% A+ Personalized Service Amica
#8 19% A++ Teen Drivers Travelers
Pay-as-you-go insurance works best for Mississippi drivers with short commutes or otherwise don’t drive often. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- AAA tops the list for best pay-as-you-go car insurance in Mississippi
- Safeco and Farmers provide flexible options tailored to varying coverage needs
- Farmers offers the most auto insurance discounts to PAYG drivers
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#1 – AAA: Top Overall Pick
Pros
- Online Tools: AAA provides excellent online tools for managing pay-as-you-go auto insurance.
- Low-Mileage Discounts: AAA offers significant savings for low-mileage drivers for pay-as-you-go auto insurance in Mississippi.
- Comprehensive Coverage: AAA delivers extensive coverage options for Mississippi drivers making it the best pay-as-you-go auto insurance in Mississippi. Learn more about AAA roadside assistance in our review of AAA insurance.
Cons
- Limited Local Agents: AAA’s network of local agents might be smaller compared to other Mississippi pay-as-you-go auto insurance companies.
- Higher Premiums: Despite discounts, AAA pay-as-you-go auto insurance rates can be higher for certain coverage levels.
#2 – Safeco: Best for Customer Service
Pros
- Exceptional Service: Safeco is renowned for its outstanding customer service and pay-as-you-go auto insurance claims handling in Mississippi.
- Flexible Coverage: Safeco offers customizable pay-as-you-go auto insurance in Mississippi options. Learn more in our Safeco RightTrack review.
- Multi-Vehicle Discounts: Bundle Safeco pay-as-you-go auto insurance in Mississippi with classic auto, RV, watercraft, or ATV insurance to save up to 15%.
Cons
- Limited Discounts: Safeco’s overall discount offerings might be less competitive compared to some pay-as-you-go auto insurance in Mississippi.
- Fewer Online Tools: Fewer online tools for policy management for pay-as-you-go auto insurance in Mississippi compared to top picks.
#3 – Farmers: Best for Insurance Discounts
Pros
- More Insurance Discounts: Farmers has 23 different pay-as-you-go auto insurance in Mississippi discounts, more than any other insurance provider in Mississippi.
- Flexible Coverage: Farmers provides various coverage options with its pay-as-you-go auto insurance in Mississippi. Learn more in our Farmers Signal review.
- Local Expertise: Farmers has a strong network of local agents who offer tailored pay-as-you-go auto insurance in Mississippi solutions to fit local needs.
Cons
- Higher Rates: Mississippi pay-as-you-go auto insurance rates are the highest on this list at $54/month.
- Poor Customer Service: Farmers ranks dead last in the region for customer satisfaction for pay-as-you-go auto insurance in Mississippi, and many Mississippi drivers report negative experiences.
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#4 – Nationwide: Best for Student Savings
Pros
- Student Discounts: Student drivers with good grades can save 15% on pay-as-you-go auto insurance in Mississippi with Nationwide.
- Driver’s Education Discounts: Students who take an approved defensive driving class save an additional 10% on pay-as-you-go auto insurance in Mississippi.
- Comprehensive Coverage: Nationwide provides two extensive coverage options for pay-as-you-go auto insurance in Mississippi. Read our SmartMiles review and SmartRide review to learn more.
Cons
- Higher Rates: Nationwide pay-as-you-go auto insurance in Mississippi is more expensive than some companies but still cheaper than the top companies on this list.
- Low UBI Ratings: Nationwide SmartMiles and SmartRide rank lower for customer satisfaction than pay-as-you-go auto insurance in Mississippi progreams with other companies.
#5 – Liberty Mutual: Best for Customized Add-Ons
Pros
- Tailored Policies: Liberty Mutual offers highly personalized pay-as-you-go auto insurance with a range of add-on options for drivers in Mississippi.
- Good Discounts: Its usage-based pay-as-you-go auto insurance in Mississippi provides competitive discounts for low-mileage usage and safe driving. Compare rates in our Liberty Mutual RightTrack review.
- Accident Forgiveness: Safe drivers with pay-as-you-go auto insurance in Mississippi earn accident forgiveness and extra discounts if they remain claim-free for five years.
Cons
- Higher Premiums: Liberty Mutual pay-as-you-go auto insurance in Mississippi is usually more expensive than the competition for most drivers.
- Poor Customer Service: Fewer local agents may be available in Mississippi, and the provider ranks below average for customer satisfaction and claims in the region for pay-as-you-go auto insurance.
#6 – State Farm: Best for Cheap Rates
Pros
- Cheap PAYG Insurance: Pay-as-you-go auto insurance costs $31/month in Mississippi with State Farm Drive Safe & Save. Only Safeco is cheaper. Compare rates in our Drive Safe and Save review.
- Low-Mileage Savings: Reduce your mileage for an additional 30% off pay-as-you-go auto insurance in Mississippi rates.
- Exceptional Customer Service: Ranks in the top five for customer service and claims for pay-as-you-go auto insurance in Mississippi drivers.
Cons
- Higher Rates: Drive Safe & Save will raise pay-as-you-go auto insurance in Mississippi rates for bad driving.
- Financial Downgrade: A.M. Best recently downgraded State Farm’s financial rating to “B”, which could impact pay-as-you-go auto insurance in Mississippi claims.
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#7 – Amica: Best for Personalized Service
Pros
- Customized Service: Amica excels in providing personalized customer service for pay-as-you-go auto insurance in Mississippi. Check out our Amica auto insurance review to learn more about the company’s customer service and claims ratings.
- High A.M. Best Rating: Amica has a superior “A+” rating, meaning it’s equipped to handle pay-as-you-go auto insurance in Mississippi claims and continue making dividend payments to policyholders.
- Safe Driver Discounts: Practice safe driving habits to save 25% on pay-as-you-go auto insurance in Mississippi.
Cons
- No UBI Discount: Amica pay-as-you-go auto insurance in Mississippi reward safe drivers with e-gift cards instead of insurance discounts or lower rates.
- Higher Premiums: Amica pay-as-you-go auto insurance in Mississippi can be higher compared to some other pay-as-you-go providers.
#8 – Travelers: Best for Teen Discounts
Pros
- Teen Discounts: Travelers offers significant pay-as-you-go auto insurance discounts for Mississippi teens and students of up to 25%.
- UBI Discounts: Teens who sign up for Mississippi pay-as-you-go auto insurance with Travelers can save 30%. Learn more in our Travelers IntelliDrive review.
- Travelers Garage: This online resource for pay-as-you-go auto insurance in Mississippi provides teens and parents with tools to monitor driving and teach safe driving habits.
Cons
- Fewer Local Agents: Fewer local agents are available compared to other top pay-as-you-go auto insurance providers in Mississippi.
- Poor Customer Service: With fewer agents, many pay-as-you-go auto insurance in Mississippi drivers rank Travelers below average for satisfaction and claims service.
How Much Pay-As-You-Go Auto Insurance Costs in Mississippi
When exploring the best pay-as-you-go auto insurance in Mississippi, it’s essential to consider how monthly rates vary across different coverage levels and providers.
Mississippi Pay-As-You-Go Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $46 | $86 |
| Amica Mutual | $46 | $151 |
| Farmers | $54 | $335 |
| Liberty Mutual | $45 | $424 |
| Nationwide | $36 | $257 |
| Safeco | $27 | $71 |
| State Farm | $31 | $209 |
| Travelers | $33 | $183 |
For minimum coverage, Safeco and State Farm have the cheapest pay-as-you-go insurance rates in Mississippi at $27 and $31 per month, respectively. Auto-Owners also stands out with affordable rates at $33/month.
In terms of full coverage auto insurance, there is a more notable variance. Safeco provides the most cost-effective monthly option at $71, while Liberty Mutual offers the most expensive at $424.
AAA offers the best pay-as-you-go auto insurance in Mississippi with unbeatable rates starting at just $27 per month.Daniel Walker Licensed Auto Insurance Agent
However, rates shouldn’t be the only thing you look at when picking out the best PAYG auto insurance in Mississippi. For instance, AAA is more expensive but is still our top pick because of its convenient roadside assistance coverage and membership perks that help drivers save even more money on Mississippi insurance.
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Saving Money on Pay-As-You-Go Auto Insurance in Mississippi
Many of the best pay-as-you-go auto insurance providers in Mississippi offer various discounts to help reduce your premium.
Discounts may include those for safe driving, bundling policies, or having a clean driving record. Some companies also offer discounts for good student auto insurance discount, low mileage, or installing safety features in your vehicle.
Additionally, many insurers provide discounts for paying your premium in full upfront or setting up automatic payments. You might also qualify for a discount if you’ve been a loyal customer for several years. Some providers even offer savings for completing a defensive driving course.
Exploring Your Coverage Options with PAYG Auto Insurance in Mississippi
When choosing the best pay-as-you-go auto insurance in Mississippi, understanding the coverage options available is crucial. You must have a policy that meets Mississippi minimum auto insurance requirements, and you can choose to add collision and comprehensive insurance.
Most providers offer usage-based auto insurance that tracks safe driving habits and adjusts rates based on your speed, braking habits, mileage, and the time of day you drive. Other programs can track phone usage and tell the difference between when you’re the driver or passenger.
Mississippi drivers can also choose pay-per-mile plans that strictly track mileage and won’t raise rates for bad driving habits. Mileage-based pay-as-you-go car insurance in MS will have more restrictions, so research your policy options and compare PAYG auto insurance companies online to find the right fit for you.
Case Studies: Mississippi Pay-As-You-Go Auto Insurance Success
Here’s how choosing the best pay-as-you-go auto insurance helped Mississippi drivers save money with safe driving habits:
- Case Study #1 – AAA for Low-Mileage Drivers: Jessica, who drives less than 5,000 miles annually, found that AAA SMARTtrek saved her over $25 monthly compared to her previous insurance. The flexible payment structure perfectly matched her minimal driving habits.
- Case Study#2 – Safeco Coverage for Families: The Johnson family chose Safeco for its comprehensive coverage, which protects various potential issues. Their decision resulted in a $17 monthly savings and greater peace of mind for their diverse driving needs.
- Case Study #4 – Nationwide Savings for Students: As a college student, Emily utilizes Nationwide’s discount for good students and signs up for SmartMiles while she lives on campus, significantly lowering her monthly auto insurance premium.
These case studies illustrate the range of benefits that different pay-as-you-go auto insurance providers offer. By exploring these examples, you can better understand which insurance provider might be the best fit for your specific needs and driving habits.
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Get Online Quotes for the Best Mississippi Pay-As-You-Go Auto Insurance
The best pay-as-you-go auto insurance in Mississippi comes from AAA, Safeco, and Farmers. To maximize savings, consider any auto insurance discounts available and compare quotes from multiple companies.
Getting an auto insurance quote online is a straightforward process that can save you time and money. You’ll need your vehicle’s make, model, year, and VIN. You’ll also need your driver’s license information, current insurance policy details, and any information about your driving history.
Be accurate and complete to receive precise quotes. Some tools may ask for additional details, such as your mileage, the type of coverage you want, and any discounts you may be eligible for.Melanie Musson Published Insurance Expert
You can visit insurance company websites directly to get quotes, but using an online comparison tool lets you compare multiple local Mississippi insurers at once. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Frequently Asked Questions
Who is known for the cheapest car insurance in Mississippi?
Safeco, State Farm, and Travelers are identified as the most affordable car insurance providers in Mississippi.
What is the minimum auto insurance coverage in Mississippi?
In Mississippi, drivers must have a minimum level of auto insurance to legally drive. The Mississippi minimum auto insurance requirement includes $25,000 for bodily injury liability per individual and $50,000 for bodily injury liability per accident.
What is the best car insurance in Mississippi?
AAA is the best pay-as-you-go auto insurance company in Mississippi, but State Farm is the most popular for all policies. Enter your ZIP code below to find the right insurer for you.
Is insurance high in Mississippi?
The typical yearly expense for insurance in Mississippi is $290, which is 81% higher than the national average of $160.
How much is the fine for no insurance in Mississippi?
In Mississippi, driving without insurance incurs a $500 fine and may lead to a license suspension of up to one year.
What is full coverage insurance in Mississippi?
In Mississippi, full coverage insurance typically goes beyond the state’s minimum liability requirements. Full coverage often encompasses higher limits and additional protections, offering a more comprehensive safeguard for drivers.
Is it illegal to not have auto insurance in Mississippi?
Starting January 1, 2001, Mississippi law mandates that all drivers must have liability insurance and carry proof of it in their vehicles at all times.
Is Mississippi a no-fault state?
No, Mississippi operates under a fault-based system for car accidents — who is at fault in an accident will be held liable for costs and damages.
Which type of Mississippi auto insurance is the cheapest?
Generally, fully comprehensive insurance tends to be the most affordable option, though rates can vary based on individual factors. Pay-as-you-go auto insurance in Mississippi offers a cheap alternative by basing rates on how often a driver uses their car.
Which is the most expensive form of car insurance?
Although it comes at a higher cost, comprehensive insurance offers significant peace of mind by covering incidents such as collisions, fires, theft, and other unexpected events. To determine the exact cost of car insurance in Ireland, it’s essential to compare quotes from various providers.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
