Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Mississippi Average car insurance cost in Mississippi The average premium for car insurance in Mississippi is $2,008 per year or $167 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Mississippi, know the associated costs. On average, premiums for car insurance in Mississippi cost $2,008 per year or $167 monthly. While the national average is $1,895, highlighting a difference of $113.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Mississippi, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $2,008 Average per month cost $167 Average cost for state minimum coverage $463 / Year Cheapest car insurance company Nationwide($1,331 / Year) Average cost for young drivers $3,220 / Year Average cost for Senior drivers $1,973 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Mississippi costs $2,008 per year.Car insurance in Mississippi costs $167 per month.Nationwide has the cheapest car insurance rates in Mississippi, at an average annual rate of $1,331 a year.Average car insurance cost in Mississippi per monthIn Mississippi, car insurance costs around $167 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Mississippi, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in MississippiAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Mississippi is Nationwide, with an average annual cost of $1,331 and a monthly average of $111. Following closely is Travelers, providing coverage at an average monthly rate of $136.The following table lists additional car insurance companies operating in Mississippi and their respective average monthly and annual costs. Affordable car insurance providers in Mississippi Graph Table Company nameAverage per month costAverage annual costNationwide$111$1,331Travelers$136$1,636State Farm$150$1,797Southern Farm Bureau$161$1,933Progressive$178$2,131Geico$184$2,210Shelter Insurance$206$2,469Allstate$211$2,527Safeway Insurance$246$2,946USAA$110$1,320 Read our guide to cheap car insurance companies Mississippi car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Mississippi Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,992/Year OR $166/month Mississippi Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MississippiThe extent of coverage you opt for directly influences the cost of car insurance in Mississippi. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Mississippi would be $637.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Mississippi amounts to $2,008.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Mississippi, the average annual cost for non-owner state minimum liability coverage stands at $321.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $463 annually in Mississippi.1State minimum:$4632Liability only:$6373Full coverage:$2,0084Non-owners:$321Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Mississippi by cityBiloxiGulfportHattiesburgJacksonSouthavenAverage car insurance cost in Mississippi by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Mississippi:CityAverage annual costBiloxi$2,084Greenville$2,004Gulfport$2,096Hattiesburg$1,999Jackson$2,107Madison$2,026Meridian$2,030Olive Branch$1,945Southaven$1,955Tupelo$1,757Average car insurance cost in Mississippi by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Mississippi, the average annual rate for young drivers is $3,220, whereas for seniors, it’s $1,973. Notably, the rate for young drivers surpasses that of senior drivers by $1,247.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Mississippi for young driversIn Mississippi, female young drivers typically pay an average annual car insurance cost of $3,040 and $253 per month. Conversely, male young drivers pay an average annual rate of $3,402, or $284 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,339 $3,715 21 $3,594 $3,158 22 $3,270 $2,968 23 $2,956 $2,754 24 $2,815 $2,595 Average car insurance cost in Mississippi for senior driversIn Mississippi, senior female drivers pay an annual car insurance cost of $1,927, equating to $161 per month. Similarly, male senior drivers face an average yearly expense of $2,019, or $168 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,866 $1,812 70 $1,987 $1,897 75 $2,206 $2,075 Read more about senior car insuranceMinimum car insurance requirements in MississippiEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Mississippi Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Mississippi:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in MississippiChevrolet TrailBlazer owners pay less for car insurance, around $1,489 per year. Mazda CX-30 follows closely with an annual premium of $1,495. The annual difference in insurance costs between these two models amounts to $6. MakeModelAverage annual premiumChevroletTrailBlazer$1,489MazdaCX-30$1,495HondaHR-V$1,499VolkswagenTaos$1,530KiaSeltos$1,535ToyotaCorolla Cross$1,542FordMaverick$1,553VolkswagenTiguan$1,578HondaCR-V$1,590HyundaiVenue$1,592Most expensive cars to insure in MississippiThe Maserati Quattroporte, at an average annual premium of $6,063, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,574 annually.MakeModelAverage annual premiumMaseratiQuattroporte$6,063MaseratiQuattroporte Trofeo$6,041PorscheTaycan Turbo$5,906PorschePanamera Turbo S E-Hybrid$5,814PorscheTaycan GTS$5,744BMWM8$5,673MaseratiGhibli Trofeo$5,664AudiR8 Performance$5,372AudiE-Tron GT$5,368PorschePanamera 4S E-Hybrid$5,344MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Mississippi Non-owner car insurance in Mississippi Average renters insurance cost in Mississippi Average homeowners insurance cost in Mississippi In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Mississippi per monthCheapest car insurance companies in MississippiAverage cost of car insurance by coverage levels in MississippiAverage car insurance cost in Mississippi by cityAverage car insurance cost in Mississippi by age of the driverMinimum car insurance requirements in MississippiCheapest cars to insure in MississippiMost expensive cars to insure in MississippiMethodology ZIP Code Please enter valid ZIP See rates