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Average Car Insurance Cost in Mississippi (2024)

Drivers in Mississippi pay $137 per month, on average, for car insurance.

Anna Baluch
Escrito porAnna Baluch
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Anna BaluchEscritora de seguros

Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.

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Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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Actualizado el 6 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Mississippi

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $31/mes para solo responsabilidad y $69/mes para cobertura total en Mississippi.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Compared to the national average of $159, the Magnolia State has affordable car insurance rates. Cheap rates for drivers in Mississippi may stem from the state’s relatively low population density and motor vehicle theft rates.[1] Drivers in areas with fewer motor vehicles on the road often face lower risks of accidents and property damage.

Jackson residents pay the highest average rates in Mississippi, while Oxford drivers enjoy the lowest premiums. Your specific premium can depend on numerous factors, making it important to compare quotes from several car insurance companies.

Here’s what you need to know about affordable Mississippi car insurance that meets or exceeds the state’s minimum liability limits.

Datos Breves

  • The average cost of minimum-coverage car insurance in Mississippi is $75 per month, and the average premium of full-coverage car insurance is $198 per month.

  • State Farm, USAA, and Safeco offer the cheapest liability car insurance in Mississippi, on average.

  • Mississippi drivers pay lower average rates than Arkansas and Louisiana drivers but similar rates to Alabama residents.

Find Cheap Car Insurance in Mississippi

Liability rates start at $36 per month

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What’s the average cost of car insurance in Mississippi?

Many car insurance companies offer auto policies to Mississippi drivers. Because insurers calculate rates differently, it’s a good idea to shop around and compare car insurance quotes, coverage levels, and coverage limits of different companies. This allows you to zero in on the best deal and find the right coverage for your unique situation.

Your premium will vary depending on your driving record, age, credit history, insurer, coverage level, and more.[2] The average monthly cost of liability insurance in Mississippi is $75, while the average monthly cost of a full-coverage policy is $198.

Here’s an overview of the average cost of car insurance in Mississippi by insurer and coverage level.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Farm3669
USAA3771
Safeco56104
Allstate58113
GAINSCO58168
Progressive59115
Nationwide61117
GEICO62119
National General65147
Travelers70136
Shelter90175
Clearcover93161
Liberty Mutual97198
Foremost100255
Direct Auto103225
Midvale Home & Auto105186
Dairyland106254
Bristol West109239
Root111167
The General134246
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average Mississippi car insurance rates by city

Your ZIP code in Mississippi can affect how much you pay for your auto policy. If you live in a highly populated city like Jackson, you’ll notice higher rates than a driver in a smaller city such as Tupelo. Higher crime rates and a higher number of uninsured drivers may also lead to higher insurance premiums.

The table below shows cheap car insurance rates in Mississippi by city.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Columbus$68$187
Hattiesburg$82$185
Jackson$88$224
Madison$77$205
Meridian$70$184
Oxford$65$167
Southaven$87$215
Tupelo$72$177
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average Mississippi car insurance rates by age

Insurers consider your age as a risk factor when determining car insurance rates. Trends in coverage costs by age exist, but the good news is drivers in all age groups can find cheap coverage options.

Teen drivers have limited driving experience and a fatal crash rate nearly three times as high as drivers age 20 and older.[3] As a result, teenagers and young drivers usually pay the highest rates. Drivers between the ages of 35 and 69 tend to benefit from rates that decrease with age, but auto insurance rates increase again for senior drivers age 70 and older due to aging-related risk factors.

Below, you can compare the average cost of coverage in Mississippi by driver age.

Rates by Age

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 gender affects car insurance rates in Mississippi

Male drivers usually pose a higher risk of causing a car accident than female drivers. That’s why men typically pay higher car insurance rates than women. The cost difference by gender is most noticeable for young men. Average rates by gender even out a bit with age.

Shopping around can help you find the cheapest car insurance and best policy for your particular needs. Compare quotes by age and gender below.

AgeMaleFemale
16$341$279
35$163$147
50$125$120
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

How your driving record affects car insurance rates in Mississippi  

Your driving record plays a significant role in your car insurance costs. If you have a poor driving history with serious traffic violations, like speeding tickets, at-fault auto accidents, or DUIs, you can expect higher rates than someone with a clean driving record. On average, a Mississippi driver with a past incident on their record pays $202 per month for car insurance.

In Mississippi, good drivers with a clean record pay an average rate of $75 per month for liability insurance, while drivers with a DUI pay $135 per month.

The table below shows average Mississippi car insurance rates by driver record.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$75$198
With accident$120$316
With speeding ticket$116$307
With DUI$135$355
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average Mississippi car insurance rates by marital status

Partially due to multi-vehicle and bundling discounts offered by many auto insurers, married couples usually secure more competitive rates than single drivers.

Compare average rates for car insurance by marital status in Mississippi below.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Single$74$166
Married$72$160
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Average Mississippi car insurance rates by credit tier

Like many other states, Mississippi allows insurance companies to consider your credit-based insurance score when determining your rates.[4] If you have good or excellent credit, you’ll likely enjoy lower car insurance costs than a driver with a poor credit score.

Here are the average Mississippi insurance rates by credit tier.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$66$147
Good$73$163
Fair$80$179
Poor$117$261
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Mississippi car insurance FAQs

Before you start shopping around for coverage in Mississippi, you should determine the right amount of insurance for your needs. The following information should help answer your remaining questions about buying coverage in Mississippi.

  • What is the average cost of car insurance in Mississippi?

    The average cost of car insurance in Mississippi is $137 per month. Mississippi drivers pay an average of $75 per month for liability coverage and $198 for full-coverage insurance.

  • What is the cheapest car insurance in Mississippi?

    State Farm is the cheapest car insurance company in Mississippi, with a liability-only policy premium of $36 per month. USAA and Safeco also offer affordable coverage, with liability rates of $37 and $56, respectively.

  • Do car insurance rates vary by county in Mississippi?

    Yes. Car insurance premiums can differ by county in Mississippi because of varying population rates, crime rates, uninsured driver rates, and weather events. To find the lowest rates and the right car insurance policy for you, shop around for coverage from different car insurance companies.

  • What are the best auto insurance companies in Mississippi?

    The top car insurance companies in the state include State Farm, USAA, and Allstate. 

    State Farm has an Insurify Quality (IQ) Score of 4.6 out of 5 and cheap average monthly rates of $36 for liability coverage and $69 for full coverage. The best car insurance company in Mississippi, however, depends on a variety of factors, like your budget, driver profile, type of car, and auto insurance coverage needs.

  • What are the car insurance requirements in Mississippi?

    The state of Mississippi requires drivers to meet minimum car insurance coverage. State law requires drivers to purchase the following minimum coverage: $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage liability.[5]

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. United States Census Bureau. "QuickFacts Mississippi."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Centers for Disease Control and Prevention. "Teen Drivers."
  4. Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
  5. Mississippi Insurance Department. "Auto Insurance."
Anna Baluch
Anna BaluchEscritora de seguros

Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.

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Katie Powers
Editado porKatie PowersEscritora de seguros
Photo of an Insurify author
Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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