Average Cost of Car Insurance Rates in Mississippi (2022)

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Last Updated: January 2022

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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

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 Companies

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.
Olive Branch$214

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.


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.


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 Status

What Are the Minimum Car Insurance Requirements in Mississippi?

When you’re on the roads in Mississippi, you must have proof of insurance with you at all times. Mississippi also requires a fairly standard amount of car insurance, at $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $25,000 in property damage liability per accident, which covers the costs associated with any property damage from an accident. Costs beyond $25,000 are your responsibility.


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 History

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 History
No Violation$203
At-Fault Accident$257

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Mississippi Car Insurance

Why is car insurance so expensive in Mississippi?

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.

Do car insurance rates vary by county in Mississippi?

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.

Which providers have the best auto insurance ratings in Mississippi?

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.

How much do annual auto insurance rates increase in Mississippi?

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.


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.