Car insurance premiums in Mississippi can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Mississippi by category, from sedans to sports cars and EVs.
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
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Mississippi
According to our data, the Mazda 3 Sedan is the cheapest sedan to insure, with an average six-month full coverage premium of $1,128. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,185, followed by Subaru Legacy, which costs $1,196 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Mississippi and their average full coverage six-month rates.
| 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
The Chevrolet TrailBlazer and Volkswagen Taos have the lowest car insurance rates, at $926 and $947, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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 vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,132, the Volvo XC40 ranks as the most affordable luxury car to insure, followed closely by Acura Integra at $1,218 and the Lexus RX at $1,280.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| 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 are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,316 a year or $276 a month.
Below is a list of the most affordable EVs to insure in Mississippi for a full coverage policy and average six-month 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
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Chevrolet TrailBlazer costs an average of $3,652 to insure for an 18-year-old driver, whereas a Ford Maverick costs an average of $3,789 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates 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?
In Mississippi, insuring a Chevrolet TrailBlazer SUV costs about $926 for six months, making it one of the most affordable options. The Volkswagen Taos and Mazda CX-30 also have cheap car insurance rates.
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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