Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,331 per year.
This comprehensive guide to buying car insurance for Mississippi drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Mississippi works and how much coverage you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Mississippi, costing $1,331 per year.
- In Mississippi, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Mississippi costs $463 annually for limits of 25/50/25, while liability-only coverage costs $637 per year for limits of 50/100/50.
- In Mississippi, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 25%, a DUI raising rates by 69%, and an at-fault accident by up to 49%.
How much is car insurance in Mississippi?
CarInsurance.com data found that drivers in Mississippi pay $167 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Mississippi by coverage level
In Mississippi, the cost of car insurance can vary depending on how much coverage you purchase. Mississippi drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Mississippi for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $39 | $463 |
| Liability Only – 50/100/50 BI/PD | $53 | $637 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 | $2,008 |
State minimum car insurance in Mississippi
Mississippi laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Mississippi, you can get state minimum car insurance for $463 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Mississippi must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Mississippi
The average cost of liability-only insurance in Mississippi is $637 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Mississippi
In Mississippi, you can expect to pay around $2,008 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Mississippi
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in Mississippi have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Mississippi car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Mississippi by car model
In Mississippi, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Mississippi.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Mississippi
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Mississippi, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,954 annually.
Car insurance for drivers aged 16-19 costs $4,290 more annually than Mississippi drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,244 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,093 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,954 per year in Mississippi.
- For senior drivers: Drivers age 65 and older can expect to pay $1,973 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Mississippi
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Mississippi, a DUI conviction often results in higher premiums and you may see an increase of up to 69% as insurers perceive you as a high-risk driver.
If you get caught speeding in Mississippi, your car insurance rates will increase by 25% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here is how much your car insurance rate increases in Mississippi after driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 69% increase
- At-fault accident (bodily injury and property damage): 49% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Mississippi for high-risk drivers
In Mississippi, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $2,008 |
| Nationwide | $2,088 |
| State Farm | $2,124 |
| Travelers | $2,351 |
| Progressive | $3,512 |
| Allstate | $3,688 |
| Geico | $3,847 |
| Shelter Insurance | $5,012 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Mississippi
In Mississippi, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Mississippi by getting quotes from several insurers for comparison.
In the table below, see an overview of various car insurance companies in Mississippi, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $429 | $563 | $1,331 |
| Travelers | $457 | $632 | $1,636 |
| State Farm | $355 | $517 | $1,797 |
| Southern Farm Bureau | $383 | $540 | $1,933 |
| Progressive | $346 | $564 | $2,131 |
| Geico | $388 | $622 | $2,210 |
| Shelter Insurance | $821 | $939 | $2,469 |
| Allstate | $691 | $895 | $2,527 |
| Safeway Insurance | $492 | $691 | $2,946 |
| USAA | $283 | $422 | $1,320 |
Car insurance rates by city in Mississippi
Washington is the priciest city in Mississippi for car insurance, costing an average of $2,309 annually. On the other hand, Tupelo is the most affordable city, where drivers pay an average of $1,757 per year for car insurance.
Car insurance premiums differ across cities in Mississippi and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Mississippi’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,240 |
| Nationwide | $1,447 |
| Travelers | $1,598 |
| State Farm | $1,659 |
| Geico | $1,838 |
| Southern Farm Bureau | $1,863 |
| Progressive | $2,119 |
| Allstate | $2,292 |
| Shelter Insurance | $2,463 |
| Safeway Insurance | $3,122 |
How much does car insurance cost in Mississippi per month?
Car insurance in Mississippi costs an average of $167 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $39 |
| Liability Only – 50/100/50 BI/PD | $53 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 |
Final thoughts on choosing car insurance in Mississippi
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Mississippi.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Mississippi. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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