How Much Is Car Insurance in Mississippi? (2026)

How much is car insurance in Mississippi?

In Mississippi, minimum liability coverage costs an average of $89 per month, or $1,073 per year. Full coverage averages $186 per month, or $2,231 annually.

Mississippi drivers pay an overall average of $138 per month, which is slightly lower than the national average of $143. Average premiums in Mississippi are higher than in neighboring Alabama and Arkansas.

The Magnolia State experiences year-round severe weather, including hurricanes, thunderstorms, flash floods, and tornadoes.^[1] Mississippi also has a higher fatal crash rate than neighboring states.^[2] Frequent extreme weather and high accident rates can lead to more claims and higher insurance rates.^[3]

The following table shows the average monthly and annual car insurance quotes for state-minimum and full-coverage policies in Mississippi.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$89	$1,073
Full coverage	$186	$2,231

Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Mississippi

Mississippi requires all drivers to have at least 25/50/25 car insurance coverage. Failure to provide proof of coverage may result in a $1,000 fine and a one-year suspension of your driving privileges.^[4]

The table below shows the minimum car insurance coverage required in Mississippi.

Coverage Type	Mississippi Minimum Requirement
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident

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Cheapest car insurance companies in Mississippi

Liability-only coverage pays for injuries and damage you cause to others and their property. It doesn’t cover damage to your vehicle or pay for your medical costs.

Minimum liability coverage is usually the cheapest option because it covers the least amount of risk for the insurance company. You need to purchase additional insurance if you want to protect your finances from severe weather, theft, and damage to your vehicle, such as collision and comprehensive coverage.

The following companies offer the cheapest car insurance rates in Mississippi for liability-only coverage.

The below rates in Mississippi are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$45
USAA	$47
Progressive	$54
Bristol West	$66
Direct Auto	$68
National General	$68
Allstate	$71
GEICO	$79
The General	$86
Travelers	$89
Trexis One	$90
Safeco	$92
First Acceptance	$94
Mendota	$94
GAINSCO	$96
Root	$99
Shelter	$114
Liberty Mutual	$142
Dairyland	$147
Hugo	$147

Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Average Mississippi car insurance rates by city

Columbus has some of the cheapest car insurance in Mississippi, averaging around $98 per month. Jackson has the highest average rates, at $128 per month.

Columbus is less dense than Jackson, which helps explain its lower rates. Columbus has 931 people per square mile, while Jackson has 1,265 people per square mile.^{[5] [6]} Denser areas tend to have more drivers on the road, which can increase the risk of accidents. More accidents mean more insurance claims and higher rates.

The following table shows the average monthly rates for drivers in Mississippi.

The below rates in Mississippi are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

City	Average Monthly Quote
Columbus	$98
Tupelo	$99
Meridian	$104
Oxford	$108
Hattiesburg	$115
Madison	$117
Olive Branch	$117
Southaven	$119
Jackson	$128

Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

Average Mississippi car insurance rates by age

Your age is one of the factors car insurers consider when calculating your insurance premiums. Teen drivers pay the highest average rates because they have riskier driving habits. Premiums usually decrease as you age and gain more driving experience.

Teens in Mississippi pay an average of $161 per month. But Mississippi seniors pay an average of $79 per month.

The table below shows the average monthly quotes across age groups in Mississippi.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$161	$336
Adults (40s)	$92	$192
Seniors	$79	$165

Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Mississippi

Your driving record is another factor that influences your car insurance rates. A clean driving record usually means lower insurance premiums. But a history of traffic violations can increase your rates.

In Mississippi, 4% of drivers have a speeding ticket and 3% have an at-fault accident on their record, according to Insurify data. About 1% of Mississippi drivers have a conviction for driving under the influence (DUI). Any of these incidents can increase your insurance premiums.

The following table compares the cost of coverage for drivers with different records in Mississippi.

Driving Record	Average Monthly Quote in Mississippi	% Increase Compared to Clean Driving Record
Clean driving record	$137	N/A
With speeding ticket	$167	22%
With accident	$180	31%
With DUI	$171	25%

Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Mississippi?

Some factors that influence the cost of car insurance in Mississippi include:

• Severe weather: Mississippi experiences frequent severe weather events, including tornadoes, flash floods, and hurricanes. Both the frequency and severity of weather events can add to car insurance claim costs and increase rates.

• Uninsured and underinsured drivers: About 28% of Mississippi drivers are uninsured, according to the National Association of Insurance Commissioners (NAIC).^[7] That’s the highest rate in the country. More uninsured drivers mean greater risk for insurance companies and often result in higher premiums.

• Inflation: High inflation can increase the cost of materials and labor for vehicle repairs. Insurers often factor the increased costs into car insurance premiums.

• Credit history: Insurance companies in Mississippi may consider your credit history when determining car insurance premiums. Drivers with poor credit tend to file more claims, so they usually pay more for coverage.

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How Mississippi car insurance rates have changed over the past five years

In June 2026, car insurance in Mississippi cost an average of $2,211 per year. Insurify projects rates to increase by 1.1% to $2,243 per year in December 2026, according to a recent Insurify report.

Insurify projects the average cost of coverage to increase by 4.7% overall in 2026. Several factors contribute to increasing rates, including high inflation, severe weather events, and the high rate of uninsured drivers in Mississippi.

How to lower car insurance costs in Mississippi

Here are some tips to help you lower your car insurance premiums in Mississippi:

• Improve your credit. Mississippi allows insurers to use your credit history when determining your premiums. Improving your credit can help lower your rates.

• Ask about discounts. Ask your insurer what discounts it offers. Many insurers offer multi-vehicle discounts, which may benefit the 11% of Mississippi drivers who own more than one vehicle.

• Review your coverage needs. If you’re one of the 64% of Mississippi drivers who own their vehicles, you can consider dropping coverage to lower your rates. For example, if you own an older vehicle, you may want to drop comprehensive coverage because your deductible may be more than your car is worth.

• Compare quotes from multiple companies. One of the fastest and easiest ways to keep your costs down is to compare quotes from multiple insurers. This can help you ensure you get the lowest price for your coverage.

Mississippi average car insurance cost FAQs