- The average cost of car insurance in Mississippi is $2,008 a year or $167 per month, based on our data analysis.
- Minimum liability coverage in Mississippi costs around $463 annually for limits of 25/50/25, while liability-only coverage costs $637 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Mississippi, costing $1,331 per year.
- In Mississippi, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 25%, a DUI raising rates by 69%, and an at-fault accident by up to 49%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,331 per year.
This comprehensive guide to buying car insurance for Mississippi drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Mississippi works and how much coverage you need.
How much is car insurance in Mississippi?
In Mississippi, drivers pay an average of $167 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Mississippi based on driver profile:
- Teen drivers in Mississippi pay the most — about $520 a month or $6,244 a year.
- Young drivers in their 20s pay an average of $268 monthly or $3,220 annually, for car insurance.
- Senior drivers pay around $164 monthly or $1,973 a year.
- A speeding ticket can increase your rates to $221 monthly or $2,646 annually.
- An at-fault accident increases car insurance rates to $286 a month or $3,430 a year.
- Poor credit drivers usually see their car insurance costs increase to $323 monthly or $3,874 annually.
Average cost of auto insurance in Mississippi by coverage level
In Mississippi, the cost of car insurance can vary depending on how much coverage you purchase. Mississippi drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Mississippi for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $39 | $463 |
| Liability Only – 50/100/50 BI/PD | $53 | $637 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 | $2,008 |
State minimum car insurance in Mississippi
In Mississippi, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
In Mississippi, you can get state minimum car insurance for $463 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Mississippi must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Mississippi
The average cost of liability-only insurance in Mississippi is $637 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Mississippi
The average annual premium in Mississippi is $2,008 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Mississippi
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Mississippi pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Mississippi
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Mississippi by car model
In Mississippi, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Mississippi.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Mississippi
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Mississippi, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,954 annually.
Mississippi drivers aged 16-19 pay $4,290 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,244 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,093 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,954 per year in Mississippi.
- For senior drivers: Drivers age 65 and older can expect to pay $1,973 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Mississippi
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Mississippi, a DUI conviction lead to increased rates and you may see a rate hike of up to 69% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Mississippi, you’ll likely see an increase in your car insurance premium by up to 25% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 49% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Mississippi for high-risk drivers
In Mississippi, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Mississippi
In Mississippi, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Mississippi by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Mississippi and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $429 | $563 | $1,331 |
| Travelers | $457 | $632 | $1,636 |
| State Farm | $355 | $517 | $1,797 |
| Southern Farm Bureau | $383 | $540 | $1,933 |
| Progressive | $346 | $564 | $2,131 |
| GEICO | $388 | $622 | $2,210 |
| Shelter Insurance | $821 | $939 | $2,469 |
| Allstate | $691 | $895 | $2,527 |
| Safeway Insurance | $492 | $691 | $2,946 |
| USAA | $283 | $422 | $1,320 |
Car insurance rates by city in Mississippi
Washington is the priciest city in Mississippi for car insurance, costing an average of $2,309 annually. On the other hand, Tupelo is the most affordable city, where drivers pay an average of $1,757 per year for car insurance.
Car insurance costs differ from city to city in Mississippi, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Mississippi’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Mississippi per month?
In Mississippi, a full coverage car insurance policy with 100/300/100 limits typically costs about $167 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $39 |
| Liability Only – 50/100/50 BI/PD | $53 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 |
Final thoughts on choosing car insurance in Mississippi
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Mississippi. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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