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Mississippi Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Mississippi?

On average, car insurance rates for drivers in Mississippi are $216 per month, and $2590 per year. The average rates make Mississippi the 22nd most expensive state in the country for car insurance rates and 3% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $21650%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Mississippi Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Mississippi and has selected the following providers and quotes as the best rates for drivers in Mississippi.

Cheapest CompaniesQuotes
Progressive$33
State Farm$54
Allstate$72
Travelers$123
Direct Auto$147

Mississippi Car Insurance Rates by City

For drivers in Mississippi, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Mississippi.

CityAvg. Monthly Rate
Biloxi$187
Brandon$202
Gulfport$194
Hattiesburg$188
Jackson$212
Meridian$186
Olive Branch$214
Oxford$193
Southaven$207
Tupelo$205

What Is the Average Cost of Car Insurance in Mississippi by Age?

Like most teens in the United States, the teens of Mississippi pay a steep price for car insurance— $421 per month, to be exact. Fortunately, this rate goes down by nearly $200 for drivers in their 20s, who only have to pay $241 per month for their car insurance.

Prices stay fairly steady across the other age groups, hovering comfortably below the state average. Average rates hit their lowest for Mississippians in their 60s, who pay a perfectly reasonable $154 per month for their auto insurance.

AgeAvg. Monthly Rate
Teens$421
20s$241
30s$183
40s$193
50s$161
60s$154
70s$162
>80s$170

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What Is the Average Cost of Car Insurance in Mississippi by Gender?

Gender makes only a very minor difference on car insurance rates in Mississippi. At $219 per month, men pay only $5 more than women.

GenderAvg. Monthly Rate
Male$219
Female$214

Does Marital Status Influence the Average Cost of Car Insurance in Mississippi?

When you get married in Mississippi, you can expect your car insurance rates to come down by a decent amount. On average, married Mississippians pay $196 per month on car insurance, which is $27 less than single drivers. Married drivers are also paying $20 below the state average, which is a sizable difference.

Marital StatusAvg. Monthly Rate
Married$196
Single$223

Minimum Car Insurance Requirements in Mississippi

All motor vehicles operated or parked on Mississippi roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Mississippi[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Mississippi is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

How Does Credit History Affect Mississippi Car Insurance Rates?

Mississippi is one of many states that allow car insurance companies to consider your credit score when determining car insurance rates. So as you can imagine, those with an excellent credit history pay the least for car insurance ($191 per month). The group that pays the most for car insurance on average are those with a good credit history, at $219 per month.

Credit HistoryAvg. Monthly Rate
Poor$209
Average$211
Good$219
Excellent$191

What Is the Average Cost of Car Insurance in Mississippi for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Mississippi will pay $45 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $54. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$203
At-Fault Accident$257
Speeding$248

Tips for Researching Mississippi Car Insurance Rates

Car insurance rates can fluctuate dramatically between car insurance companies. And with several carriers offering their services in Mississippi, drivers in the Magnolia State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

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FAQs - Mississippi Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Mississippi. Insurify analyzed the latest data for the five most populous cities in Mississippi to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Mississippi and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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Sources

  1. Mississippi Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022