Mississippi drivers spend about $1,472 annually for full coverage car insurance and $680 for minimum coverage, assuming a 40-year-old policyholder with solid credit and no driving infractions. The state ranks 31st for full coverage and 30th for minimum coverage nationwide, with costs 1% above and 1% below national averages respectively.
Average Cost of Car Insurance in Mississippi
Updated: October 16, 2025
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Key Takeaways
Mississippi car insurance costs can range anywhere from $2,241 to $15,538 per year on average depending on your chosen coverage, driving profile and location.
Mississippi sits around the average for car insurance costs, ranking 31st for full coverage affordability and 30th for minimum coverage policies.
You can find the cheapest car insurance in Mississippi by deciding on coverage beforehand, researching cost and companies and comparing plenty of quotes.
Average Car Insurance Cost In Mississippi
| Full Coverage | $123 | $1,472 |
| Minimum Coverage | $57 | $680 |
The difference between full and minimum coverage amounts to $792 per year, or roughly $66 monthly. Premium amounts vary based on individual risk factors, coverage choices and personal profile.
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Average Mississippi Car Insurance Cost By Category
Adult drivers maintain moderate baseline rates in Mississippi at $120 monthly for full coverage and $56 for minimum coverage, serving as the benchmark for other categories. Your driving profile impacts Mississippi car insurance pricing.
Older vehicle owners benefit from reduced premiums at $109 monthly for full coverage due to lower comprehensive and collision payouts. Young drivers encounter substantially higher costs at $303 monthly for full coverage, while credit-challenged drivers face elevated premiums at $271 monthly.
| Young Drivers | $144 | $303 |
| Adult Drivers | $56 | $120 |
| Senior Drivers | $80 | $157 |
| Drivers With An Accident | $89 | $190 |
| Drivers With A DUI | $99 | $212 |
| Drivers With A Speeding Ticket | $72 | $155 |
| Drivers With Bad Credit | $126 | $271 |
| Drivers With Low Income | $91 | $193 |
| Drivers With Newer Cars | $74 | $161 |
| Drivers With Old Cars | $51 | $109 |
Mississippi's economic environment and claim patterns create rate variations that reflect both demographic risk factors and regional insurance market conditions.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Mississippi Car Insurance Cost by Company
Farm Bureau delivers the most affordable coverage in Mississippi at $102 monthly for full coverage, compared to Safe Auto Insurance's higher rates of $124 monthly. Insurance companies in Mississippi offer competitive pricing, with full coverage rates varying from $102 to $124 monthly among leading providers.
The difference between cheapest and most expensive options saves Mississippi drivers around $267 per year.
| Farm Bureau | $37 | $102 |
| Travelers | $54 | $105 |
| Safeway Insurance | $55 | $119 |
| Allstate | $63 | $122 |
| Safe Auto Insurance | $65 | $124 |
Average Mississippi Car Insurance Cost By City
Mississippi presents modest geographic variation in car insurance costs across cities, with full coverage rates varying from $97 monthly in Starkville to $139 in Hermanville. Location impacts Mississippi car insurance pricing with relatively narrow city-to-city differences.
The $42 monthly spread between the most and least expensive cities shows that location matters even in states with generally consistent pricing patterns. Compare rates for your city below.
Data filtered by:Results filtered by:
Abbeville
City:Abbeville
| Full Coverage | $106 | $1,266 |
| Minimum Coverage | $48 | $580 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Mississippi law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Mississippi Car Insurance Expensive?
Our 2025 analysis shows Mississippi sitting in the middle range for insurance costs nationwide, with 31st place for full coverage affordability and 30th for minimum coverage policies. While these rankings reflect the state's overall insurance landscape, your specific location within Mississippi may have very different costs when compared to other cities across the country.
Why Is Car Insurance Expensive In Mississippi?
Here's why Mississippi car insurance costs more:
Highest Uninsured Driver Rate
Mississippi leads the nation with approximately 22% to 29% of drivers operating without insurance, though recent data shows this has decreased from 29.4% in 2019 to 22.2% in 2022. This means roughly one in four drivers lacks coverage, creating financial risks for insured motorists and driving up costs for those who carry proper coverage.
Severe Weather and Hurricane Exposure
Mississippi faces regular severe weather threats including hurricanes, tornadoes and severe thunderstorms. The state's Gulf Coast location makes it particularly vulnerable to hurricane damage, with comprehensive coverage important for weather-related car damage. Recent legislative initiatives like the "Strengthen Mississippi Homes" program demonstrate the state's focus on weather-related property protection.
Highest Traffic Fatality Rate in Nation
Mississippi has the highest traffic fatality rate in the United States at 24.9 deaths per 100,000 people, nearly five times higher than Massachusetts' rate of 4.9. The state also has the highest percentage of car occupant deaths at 42% compared to other car types, reflecting dangerous driving conditions and contributing to insurance risk assessments.
Below-Average Insurance Costs Despite Risks
Despite its high-risk profile, Mississippi offers relatively affordable auto insurance with full coverage averaging below the national average. This paradox stems from the state's low cost of living and population density, which help offset the elevated accident and fatality risks.
Low Insurance Requirements
Mississippi requires only minimum liability coverage of $25,000 per person/$50,000 per accident for bodily injury and $25,000 for property damage, which are among the lower requirements nationally. These minimal limits often prove inadequate for serious accidents, leaving drivers financially vulnerable when crashes occur.
Rural Road Infrastructure Challenges
Mississippi's rural road network contributes to its high accident rates, with over 55% of bridges requiring attention and poor road conditions according to infrastructure studies. Rural areas often lack proper lighting, guardrails and safety measures, creating hazardous driving conditions that increase accident frequency and severity.
Inflation and Rising Claim Costs
Like other states, Mississippi faces inflation-driven increases in car repair costs, medical expenses and materials. The Mississippi Insurance Department notes that supply chain issues and increased labor costs are driving up claim settlements, forcing insurers to adjust rates accordingly despite the state's traditionally affordable market.
How To Lower Car Insurance Costs In Mississippi
Below is our guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Mississippi: Bottom Line
Mississippi car insurance costs fall in the middle range compared to other U.S. states, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Mississippi: FAQ
We answer common questions about Mississippi car insurance costs:
How much is Mississippi car insurance per month?
Mississippi car insurance costs $57 for minimum coverage and $123 for full coverage policies. Rates range from $51 to $303 monthly, depending on your unique driver profile and coverage choice.
What factors affect Mississippi car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Mississippi car insurance so expensive?
Mississippi has the nation's highest traffic fatality rate and one of the highest uninsured driver rates. Despite these high-risk factors, the state offers relatively affordable insurance with full coverage averaging below national averages. Mississippi requires only minimum coverage (25/50/25) and faces weather risks including hurricanes and severe storms.
How expensive is Mississippi car insurance?
Mississippi ranks around average for car insurance costs, placing 30th and 31st for minimum and full coverage affordability among the 50 states and Washington, D.C.
How We Determined Mississippi Car Insurance Costs
We used the following profile and modifications of this profile to determine Mississippi auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Institute for Highway Safety. "Fatality Facts 2023: State by State." Accessed October 22, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed October 22, 2025.
- WLBT. "Mississippi has highest traffic death rate per capita in US, study shows." Accessed October 22, 2025.
