Average Car Insurance Cost in Mississippi (2025)
Drivers in Mississippi pay an overall average of $147 per month for car insurance, but your rates may vary based on your driver profile.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Drivers in Mississippi pay an annual average rate of $1,769 for car insurance, or $147 per month. As auto insurance rates have increased nationwide over the last two years, the same applies to the Magnolia State — prices are more than 30% higher.
Even though Mississippi’s cost of living is the fourth-lowest in the nation, the state’s car insurance rates nearly match the national average.[1] That’s because Mississippi’s high rate of crash fatalities and uninsured drivers leads to higher insurance costs.[2] The good news is that you can still find affordable coverage.
Quick Facts
The average monthly cost of state-minimum car insurance in Mississippi is $91, and the average cost of full coverage is $204.
Jackson has the most expensive car insurance rates in Mississippi, while Columbus has the cheapest.
State Farm, USAA, and Allstate have some of the cheapest car insurance rates in the state.
How much is car insurance in Mississippi?
The average cost of a full-coverage car insurance policy in Mississippi is $204 per month, or $2,449 per year. Full coverage includes comprehensive and collision coverage, which pay for damage to your car. The liability portion of your policy pays for the other driver’s medical expenses and vehicle repairs if you cause an accident.[3]
Mississippi drivers pay an average of $1,088 per year, or $91 per month. Although state-minimum coverage is cheaper, it may not be enough to pay for the other driver’s expenses, and it won’t cover your car’s repairs.
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How Mississippi car insurance rates have changed over the past two years
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To find car insurance rates in Mississippi and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Mississippi rose to $2,300 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain comparable to Mississippi rates.
See how Mississippi car insurance prices have changed over the past two years below.
Average Mississippi Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Mississippi car insurance rates by city
Where you live — even within the same state — affects how much you pay for car insurance. Drivers in bigger cities like Jackson and Hattiesburg usually pay more for car insurance due to more traffic and higher theft rates. Rural drivers, on the other hand, typically pay less.
Area-specific data, such as weather, legal action related to car accidents, and repair costs, also affect how much drivers pay for coverage in different parts of the state.[4]
Here’s how much drivers pay for car insurance in different cities in Mississippi.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Tupelo | $79 | $166 |
| Columbus | $84 | $171 |
| Meridian | $86 | $186 |
| Oxford | $90 | $215 |
| Hattiesburg | $93 | $206 |
| Madison | $94 | $202 |
| Southaven | $105 | $212 |
| Jackson | $105 | $217 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Mississippi (2025)
Average Mississippi car insurance rates by age and gender
Car insurance companies consider your gender when determining rates. Female drivers statistically have fewer accidents behind the wheel, so they pay less for insurance than male drivers.
Your age is another factor insurance companies use to set rates. Young drivers — especially 16-year-olds — have less experience behind the wheel and tend to engage in riskier behavior than more experienced drivers.[5] As a result, teen drivers pay higher rates.
Insurance costs usually decrease as drivers age, with 60-year-olds having some of the lowest rates. But once you reach age 70, your premiums start to increase again, as age-related changes can affect your driving ability.[6]
The table below shows how your insurance rates change with age for both liability only and full coverage.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $196 | $444 |
| 18 | $171 | $386 |
| 20 | $124 | $279 |
| 25 | $113 | $255 |
| 30 | $103 | $232 |
| 40 | $95 | $214 |
| 50 | $83 | $188 |
| 60 | $75 | $168 |
| 70+ | $80 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $185 | $418 |
| 18 | $161 | $364 |
| 20 | $117 | $263 |
| 25 | $107 | $241 |
| 30 | $97 | $219 |
| 40 | $89 | $202 |
| 50 | $78 | $177 |
| 60 | $71 | $159 |
| 70+ | $75 | $172 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Mississippi
Your car’s make and model also affect the average cost of your insurance. High-value cars cost more to insure, on average, due to higher theft rates and repair costs. On the other hand, buying a new car equipped with the latest safety features or anti-theft devices can often lead to lower insurance rates.
Trucks are the most popular vehicles in Mississippi, as they can go off road and hold large cargo — helpful in a rural state.
The table below shows the average insurance cost for the most popular vehicles in the state.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $202 |
| GMC Sierra | $217 |
| Chevrolet Silverado | $214 |
| Toyota Camry | $238 |
| Honda CR-V | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Mississippi
If you have an infraction on your record — such as a speeding ticket, accident, or driving under the influence (DUI) — you’ll pay more for your insurance than a driver with a clean driving record. Insurers charge more because of the increased risk and higher likelihood that you’ll file a claim.
Mississippi drivers who’ve caused an accident pay about 40% more than the state average, while drivers with a DUI pay an average of 60% more.
Below, you can see the average monthly cost of car insurance for a sample driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $210 | 40% |
| With speeding ticket | $205 | 37% |
| With DUI | $240 | 60% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Your credit-based insurance score is similar to your credit score. It reflects your payment history, debt, and the type of credit you have.[7] Mississippi insurance companies use this score as a factor when determining rates. Drivers with higher scores often pay less for insurance than drivers with lower scores.
The following table highlights the average car insurance rate for Mississippi drivers in different credit tiers.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $166 $73 Good $187 $83 Fair $201 $89 Poor $260 $115 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Mississippi
You can’t control certain factors that affect car insurance rates, but you can still find ways to lower your costs:
Consider pay-per-mile coverage
If you drive less than 10,000 miles per year, you can often save money with low-mileage coverage. Some insurers offer policies with a base rate and per-mile rate. It’s a solid option for stay-at-home parents, retirees, and remote workers.
Compare insurance costs
You can get free insurance quotes online. It’s a quick process that allows you to find the lowest average rates. Even if you already have coverage, you can shop for coverage at least once a year before your policy renews to ensure you get the best rates.
Look into group insurance
Check if your employer, alumni group, or another association offers group coverage. You might get cheap rates if you take advantage of the group discount.
Check for discounts
Ask your insurance agent about discounts. You might qualify for a student, military, multi-vehicle, safe driver, or bundling discount. It’s always worth double-checking before you finalize coverage.
Shop before you buy
Some vehicles are more expensive to insure than others. If you’re looking for a new car, compare insurance costs before purchasing. Insuring vehicles with better safety features and lower theft risk is usually cheaper.
Mississippi average car insurance cost FAQs
Car insurance costs in Mississippi closely follow the national average. The following questions and answers provide more information about coverage in the Magnolia State.
The average annual car insurance premium in Mississippi is $2,449 for full coverage and $1,088 for liability only. Comparing quotes from at least three insurers can help you find the best deal.
State Farm is the cheapest car insurance company in Mississippi, at $35 per month, and USAA and Allstate also have low average rates. Your age, driving record, credit history, and ZIP code affect how much you pay for coverage.
Car insurance in Mississippi averages $147 per month. Liability-only insurance costs less but won’t pay for damage to your car.
The best auto insurance company in Mississippi depends on your priorities. State Farm is best for cheap car insurance, but USAA might be a better fit for military members. On the other hand, Allstate could be a top pick for pay-per-mile coverage.
Mississippi requires drivers to have the following state-minimum coverage:[8]
$25,000 per person and $50,000 per accident for bodily injury
$25,000 per accident for property damage
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Missouri Economic Research and information Center. "Cost of Living Data Series."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "What is auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Teen Drivers."
- Insurance Information Institute. "Background on: Older drivers."
- Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
- Mississippi Insurance Department. "Auto Insurance."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.