In Mississippi, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Mississippi by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Mississippi
The Chevrolet TrailBlazer and Ford Maverick are the cheapest vehicles to insure in Mississippi, closely followed by the Hyundai Venue and Volkswagen Taos, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Mississippi and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $926 |
| Ford Maverick | $946 |
| Volkswagen Taos | $947 |
| Hyundai Venue | $947 |
| Mazda CX-30 | $974 |
| Toyota Corolla Cross | $981 |
| GMC Savana | $990 |
| Toyota Corolla Cross Hybrid | $995 |
| Kia Seltos | $1,000 |
| Honda HR-V | $1,002 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Mississippi
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Mississippi
Our data shows that Mazda 3 Sedan is the most affordable sedan to insure in Mississippi. Its average six-month full coverage cost is $1,128 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Nissan Versa takes the second spot at $1,185, while the Subaru Legacy comes in third with an average cost of $1,196.
The table below shows the cheapest sedans to insure in Mississippi and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Mazda 3 Sedan | $1,128 |
| Nissan Versa | $1,185 |
| Subaru Legacy | $1,196 |
| Honda Civic Sedan | $1,202 |
| Nissan Sentra | $1,227 |
| Honda Accord | $1,237 |
| Mitsubishi Mirage G4 | $1,240 |
| Chevrolet Malibu | $1,243 |
| Toyota Camry | $1,248 |
| Toyota Corolla | $1,249 |
| Kia K5 | $1,251 |
| Kia Forte | $1,257 |
| Volkswagen Jetta | $1,264 |
| Hyundai Elantra | $1,281 |
| Hyundai Sonata | $1,304 |
| Volkswagen Jetta GLI | $1,334 |
| Nissan Altima | $1,354 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Mississippi
In Mississippi, the Chevrolet TrailBlazer and Volkswagen Taos are some of the most affordable SUVs to insure with an average six-month full coverage cost of $926 and $947 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $926 |
| Volkswagen Taos | $947 |
| Mazda CX-30 | $974 |
| Toyota Corolla Cross | $981 |
| Kia Seltos | $1,000 |
| Honda HR-V | $1,002 |
| Chevrolet Trax | $1,020 |
| Jeep Wrangler | $1,028 |
| Mazda CX-50 | $1,030 |
| Ford Escape | $1,033 |
| Subaru Crosstrek | $1,038 |
| Jeep Compass | $1,048 |
| Ford Bronco Sport | $1,051 |
| Volkswagen Tiguan | $1,053 |
| Ford Bronco | $1,057 |
| Mazda CX-5 | $1,060 |
| Honda CR-V | $1,067 |
| Kia Sportage | $1,076 |
| Buick Encore GX | $1,076 |
| Kia Soul | $1,079 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Mississippi
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,115.
The table below compares car insurance rates for different sports cars in Mississippi
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,115 |
| Toyota GR Supra | $1,490 |
| Chevrolet Camaro | $1,515 |
| Honda Civic Si | $1,526 |
| Toyota GR86 | $1,545 |
| BMW Z4 | $1,589 |
| Toyota GR Corolla | $1,600 |
| Ford Mustang | $1,609 |
| Subaru WRX | $1,639 |
| Honda Civic Type R | $1,666 |
| Subaru BRZ | $1,697 |
| Porsche 718 Boxster | $1,789 |
| Porsche 718 Cayman | $1,794 |
| Chevrolet Corvette | $2,035 |
| Nissan Z | $2,059 |
| Chevrolet Camaro ZL1 | $2,337 |
| Jaguar F-Type | $2,770 |
| Chevrolet Corvette Z06 | $2,862 |
| Porsche 911 | $3,156 |
| Porsche 911 GT3 | $3,251 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Mississippi
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Volvo XC40 has the lowest insurance cost at $1,132 for a six-month full coverage policy. The Acura Integra and Lexus RX also have affordable insurance rates at $1,218 and $1,280, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $1,132 |
| Acura Integra | $1,218 |
| Lexus RX | $1,280 |
| Acura RDX | $1,282 |
| Lexus NX | $1,292 |
| Mercedes-Benz GLB-Class | $1,298 |
| Lincoln Corsair | $1,299 |
| Land Rover Range Rover Evoque | $1,316 |
| BMW X1 | $1,318 |
| Mercedes-Benz GLC-Class Coupe | $1,335 |
| Alfa-Romeo Tonale | $1,335 |
| Cadillac CT4 | $1,343 |
| Genesis GV70 | $1,353 |
| Cadillac XT6 | $1,358 |
| Volvo XC60 | $1,359 |
| Mercedes-Benz GLA-Class | $1,360 |
| Land Rover Discovery Sport | $1,383 |
| Audi Q3 | $1,393 |
| Mercedes-Benz GLC-Class | $1,395 |
| Acura MDX | $1,402 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Mississippi
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,316 annually, which breaks down to $276 monthly.
The table below highlights the most affordable EVs to insure in Mississippi, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $1,110 |
| Volkswagen ID.4 | $1,152 |
| Chevrolet Silverado EV | $1,177 |
| Hyundai Kona Electric | $1,201 |
| Mini Cooper Electric | $1,229 |
| Hyundai Ioniq 5 | $1,282 |
| Subaru Solterra | $1,296 |
| Ford F-150 Lightning | $1,330 |
| Kia EV6 | $1,340 |
| Nissan Leaf | $1,344 |
| Toyota bZ4X | $1,344 |
| Volvo XC40 Recharge | $1,395 |
| Ford Mustang Mach-E | $1,417 |
| Chevrolet Blazer EV | $1,423 |
| Hyundai Ioniq 6 | $1,427 |
| Mercedes-Benz EQB | $1,459 |
| Genesis Electrified GV70 | $1,468 |
| Cadillac LYRIQ | $1,484 |
| Volvo C40 Recharge | $1,488 |
| Kia EV9 | $1,511 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Mississippi
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,652 to insure a Chevrolet TrailBlazer, while insuring a Ford Maverick costs $3,789 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Mississippi?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,110 to insure a Kia Niro EV for a six-month policy, whereas the insurance cost of a Volkswagen ID.4 is $1,152, according to our analysis.
Which SUVs are the cheapest to insure in Mississippi?
The Chevrolet TrailBlazer is one of the cheapest SUVs to insure in Mississippi, with an average cost of $926 for a six-month car insurance plan. The Volkswagen Taos and Mazda CX-30 also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Mississippi?
The Chevrolet TrailBlazer, Ford Maverick, Volkswagen Taos and Hyundai Venue are some of the cheapest cars to insure for an 18-year-old driver in Mississippi. On the other hand, Maserati Quattroporte, Porsche 911 Turbo and Nissan GT-R are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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