Best Homeowners Insurance Companies in Mississippi (2026)
Amica, State Farm, and USAA offer affordable pricing and quality coverage to help Mississippi homeowners protect their most valuable investment.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byChase Gardner
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Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Data reviewed byAndrew Huang
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Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Mississippi home insurance costs $3,000 each year, on average, for $300,000 in dwelling coverage.
That’s higher than the national average of $2,580 but much lower than other Gulf coast states like Louisiana, where rates are nearly double. Mississippi’s smaller coastline offers some buffer against hurricanes, but the state still sees an average of 72 tornadoes per year.[1]
Whether you’re down on the coast or up north by Oxford, it’s important to make sure your home insurance coverage matches your particular needs in the Magnolia State.
Quick Facts
The best home insurance companies in Mississippi are Amica, State Farm, and USAA.
USAA offers the cheapest Mississippi home insurance, at $122 per month for a $300,000 dwelling coverage policy.
Insurance rates for homeowners in coastal counties are much higher than in inland areas.
Best home insurance companies in Mississippi
Many of the best home insurance companies offer policies in Mississippi. Each insurance company offers a different blend of pricing, service quality, coverage options, and more, and it’s important to consider whether that matches your actual insurance needs or not.
Here are some of the best insurers for most Mississippi homeowners.
Amica: Best for customer satisfaction
AmicaCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $121/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $179/mo |
Filing a claim when you’re already going through a tough time can be stressful, and that’s what sets Amica apart from other insurers. The company has a reputation for providing top-notch customer service. Amica offers many coverage options in Mississippi, whether you choose its standard insurance package or its Platinum Choice coverage with higher limits.
Pros
Low volume of complaints with the National Association of Insurance Commissioners (NAIC)
Generous bundling discount for home and auto policies
Ranked No. 1 by J.D. Power for customer satisfaction
Cons
No local offices in Mississippi
Not as many endorsements as some insurers
Poor app ratings in Google Play store
Foremost: Best low-cost coverage
low-cost coverage
Foremost
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $246/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $443/mo |
Foremost excels at two things: offering coverage to nearly any homeowner and charging a reasonable price in Mississippi. The insurer doesn’t have the highest-ranked customer service, but its coverage allows you to make sure you stay insured and that your home is financially protected.
Pros
Many optional coverages and add-ons
Expanded coverage options for homeowners denied by other insurers
Single-deductible coverage if you bundle multiple policies together
Cons
Few discounts
No online quotes; must speak with a live agent
Poor J.D. Power rating for customer satisfaction
Nationwide: Best for Mississippi home coverage
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $264/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $398/mo |
Nationwide is a good choice if you want more control over your coverage options. The insurer offers add-ons to cover broken appliances, for example, or for homeowners getting an upgraded roof after a claim. But it doesn’t have many local agents available.
Pros
Free annual insurance checkup
More add-on options than competitors
Excels with digital services, per J.D. Power
Cons
Rates are on the high side in Mississippi
Has offices in only 10 cities throughout Mississippi
Poor Better Business Bureau (BBB) ratings
State Farm: Best for stable coverage
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $369/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $500/mo |
State Farm is responsible for underwriting about one-fourth of all homes in Mississippi, according to data from the state insurance commission.[2] One reason is its high financial stability rating, which ensures that when large disasters occur, State Farm will be able to pay out rather than go bankrupt.
State Farm also offers many other types of policies, such as life insurance and small-business insurance.
Pros
A+ (Superior) Financial Stability Rating from AM Best
Expansive range of insurance products
Agents in nearly every Mississippi city
Cons
Very low J.D. Power claims satisfaction rating
Can be cost-prohibitive for many Mississippi homeowners
Fewer homeowners insurance discounts than competitors
USAA: Best for Mississippi military and veterans
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $122/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $177/mo |
More than 180,000 active-duty military members and veterans live in Mississippi.[3] When you expand that out to family members, contractors, and other close associates of the military, it’s likely that one in 10 people in the state are eligible to buy affordable and high-quality coverage through USAA.
Pros
Low volume of customer complaints with the NAIC
Exceptionally low rates for Mississippi homeowners
A++ (Superior) Financial Stability Rating from AM Best
Cons
Not available to the general public
Requires separate coverage for windstorms
Online quotes not available for windstorm coverage
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Mississippi to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Mississippi
USAA charges the lowest average rates for Mississippi policyholders. Here’s how it stacks up cost-wise against other cheap home insurers in the state.
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| USAA | $1,521 |
| Foremost | $3,068 |
| Allstate | $3,093 |
| Nationwide | $3,292 |
| Travelers | $3,517 |
| State Farm | $4,602 |
Find Cheap Home Insurance in Mississippi
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How much does homeowners insurance cost in Mississippi?
Mississippi homeowners insurance costs $3,000 per year for $300,000 in dwelling coverage, based on Insurify data. The actual cost that you pay depends on several factors, including:
Home type
Your home’s age, construction methods, and even its location can affect your pricing.
Deductibles
Higher deductibles are cheaper over time but cost more when you file a claim.
Coverage limits
Higher-priced homes and expensive personal possessions cost more to insure.
Types of coverage
Replacement cost policies cover your home and property for what it would cost to replace your items without factoring in depreciation. But these policies come with higher ongoing premiums compared to actual cash value policies, which factor in depreciation.
Cheapest home insurance companies in Mississippi by dwelling coverage
Dwelling coverage pays to repair the structure of your home if a covered peril damages it. Higher-priced homes cost more to insure because they have higher replacement costs.
Here’s how much different types of Mississippi homes cost to insure, on average:
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,185 |
| Foremost | $1,933 |
| Allstate | $2,320 |
| Nationwide | $2,394 |
| Travelers | $2,569 |
| State Farm | $3,442 |
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,521 |
| Foremost | $3,068 |
| Allstate | $3,093 |
| Nationwide | $3,292 |
| Travelers | $3,517 |
| State Farm | $4,602 |
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,207 |
| Allstate | $4,776 |
| Nationwide | $4,963 |
| Travelers | $5,400 |
| Foremost | $5,524 |
| State Farm | $6,235 |
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $3,030 |
| Nationwide | $6,797 |
| Allstate | $6,984 |
| Travelers | $7,894 |
| State Farm | $8,156 |
| Foremost | $8,293 |
Mississippi homeowners insurance cost by city
Homeowners in the southern regions of the state can expect higher rates, due to the increased risk of hurricane and storm damage. Other factors can also affect your rates in different areas, such as crime rates, how close you live to a fire station, and the quality of police services in your area.
Here you can see how rates fluctuate across a couple different cities in Mississippi.
The below rates in Mississippi are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium |
|---|---|
| Jackson | $228 |
| Gulfport | $637 |
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.
What homeowners should know about insurance in Mississippi
Living in Mississippi exposes you to some elevated weather risks, given the high potential for storms throughout the state. Here are some of the particular natural disasters you might want to consider when choosing your coverage.
Tornadoes
It’s hard to predict where tornadoes will hit, but one thing’s certain: They occur statewide.[4] On average, 72 tornadoes hit the state every year. Your insurance policy should include tornado damage among its standard coverages, but keep in mind that many insurers offer big discounts if you upgrade your roof to meet new industry storm-proofing certifications.
Floods
Overall flood risk is low in most of Mississippi, but homeowners in the south of the state along the Gulf of Mexico and in the west along the Mississippi River are at a uniquely high risk. In 2025, 59 Mississippi residents filed a claim through the National Flood Insurance Program (NFIP) for an average of $41,718.[5]
Standard home insurance policies don’t cover flood damage. If you live in a flood zone, your lender may require you to purchase a separate flood insurance policy from the NFIP or a private insurer.
Hurricanes
A major hurricane hits Mississippi about every other year, according to the National Oceanic and Atmospheric Administration.[6] The six coastal counties are at the highest risk for property damage, and they also have the highest premiums.
In Mississippi, many insurers charge a separate hurricane deductible, which you should consider when shopping for insurance coverage.
How much homeowners insurance do you need in Mississippi?
Mississippi doesn’t legally require you to buy a home insurance policy. But if you carry a mortgage or any other home debts, your lender will require it. Your insurer may also require you to buy a flood insurance policy if you live in a flood-prone area.
It’s good to chat with your local agent about the kind of home insurance coverage you need and how much to get so you’re covered for everything you want. As you begin your search, here are some rough guidelines for terms you’ll find in your home insurance policy.
Personal liability: Experts recommend buying enough liability coverage to match the value of your assets. It covers things like lawsuits if you’re sued or medical payments if a guest gets hurt on your property.
Dwelling coverage: It’s best to insure your home for the cost to rebuild it, which you can estimate by multiplying your home’s size by per-square-foot building costs in your area.
Additional living expenses: This covers the loss of use of your home while you’re not living there due to a covered claim. Make sure it’ll be enough to cover things like a hotel and meals.
Personal property coverage: Standard home insurance covers your personal belongings, with policy limits matching 50%–70% of your dwelling coverage.
Optional endorsement types: You can buy additional coverage to ensure common exclusions aren’t a problem, such as damage from sewer backups or losing high-value personal belongings.
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How to contact the Mississippi Department of Insurance
If you run into snags when dealing with your insurance company or want to file a complaint, the Mississippi Department of Insurance can help out. Here’s how to get in touch with the agency:
Phone number: 1 (800) 562-2957
Email address: [email protected]
Mississippi homeowners insurance FAQs
Buying a homeowners insurance policy requires a lot of careful consideration to make sure you’re fully protected at the best price. Here are some final points to remember.
How much is home insurance in Mississippi?
The average cost of Mississippi homeowners coverage is $3,000 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, based on Insurify data.
Which company has the cheapest homeowners insurance in Mississippi?
USAA offers the lowest homeowners insurance rates in Mississippi, with an average monthly premium of $122.
Does Mississippi require homeowners insurance?
No, Mississippi doesn’t require home insurance. But your lender will require it if you have a mortgage. Your lender may also require you to have a separate flood insurance policy if you live in an area at risk of flooding.
How can you lower your home insurance premiums in Mississippi?
You have many options for home coverage in Mississippi, and getting insurance quotes from several companies can help you find the cheapest one. You can also increase your deductible and ask your insurance agent about savings. The state requires insurers to offer discounts to homeowners who complete certain weatherproofing projects, for example.
What is the 80/20 rule for home insurance?
If you opt for a replacement cost policy (as opposed to one that only covers the actual cash value of your home), most insurers require your policy limits to cover at least 80% of the cost of rebuilding your home. If not, the insurance company might reduce your payout in a covered loss.
Does homeowners insurance cover water damage?
A typical insurance policy only covers water damage if it comes in directly from the sky, such as rain through a collapsed roof. It won’t cover flood damage, which requires a separate insurance policy. Similarly, sewer and water backups aren’t covered unless you buy separate add-on coverage.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- USA Facts. "Where do tornadoes do the most damage?."
- Mississippi Insurance Department. "Company Market Share Reports 2023-2024."
- U.S. Census. "Quick Facts: Mississippi."
- Mississippi Emergency Response Guide. "Mississippi Tornadoes."
- Federal Emergency Management Agency. "Historical NFIP Claims Information and Trends: Mississippi."
- National Oceanic and Atmospheric Administration. "Mississippi Summary."
)
Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in