- 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 costs in Mississippi vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Mississippi at $1,331 annually.
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 learn how auto insurance in Mississippi works and how much insurance you need.
How much is car insurance in Mississippi?
CarInsurance.com data found that drivers in Mississippi pay $167 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal 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
Car insurance costs in Mississippi can differ based on the coverage limit. To legally drive, Mississippi residents must adhere to the minimum liability limits of 25/50/25.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Mississippi car insurance costs for three 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.
The state minimum coverage in Mississippi costs $463 a year but doesn’t provide much protection for drivers. Mississippi drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Mississippi must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Mississippi
According to CarInsurance.com data, liability-only car insurance costs $637 in Mississippi for limits 50/100/50.
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
In Mississippi, you can expect to pay around $2,008 per year for full coverage car insurance for the 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Mississippi
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Mississippi pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Mississippi have to pay more than those living where the risks are lower.
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 ( Full - 100/300/100)
Estimate car insurance in Mississippi by car model
Mississippi car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Mississippi drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,954 annually.
Car insurance for drivers aged 16-19 costs $4,290 more annually than Mississippi 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Mississippi can increase your premiums by up to 69% because insurers see you as a risky 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.
Here is how much your car insurance rate increases in Mississippi after driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 49% increase
But even with a traffic ticket, comparison shopping can save you money.
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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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 are the details of Mississippi car insurance companies and their 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 premiums differ across cities in Mississippi and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Mississippi’s largest 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?
Car insurance in Mississippi costs an average of $167 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Mississippi.
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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