Discover essential tips to help you confidently buy car insurance and maximize your savings in Mississippi.
Car Insurance Calculator Mississippi
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Mississippi will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Mississippi can range anywhere from $484 to $5,226 per year depending on a variety of factors.
To get the best deal on Mississippi car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Mississippi Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To prevent being persuaded into purchasing more coverage than necessary, determine your coverage needs before shopping. Factor in your location, driving habits, vehicle and financial status when assessing costs. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Mississippi for your chosen coverage level and driver profile to understand potential savings when comparing quotes. Additionally, explore auto insurance discounts you might qualify for to discuss further savings with agents.
Research the Cheapest Providers for You
With your coverage level and cost research ready, obtain provider estimates before requesting quotes. This helps identify where to start when comparing and who likely offers the cheapest car insurance in Mississippi for you. Begin with our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Evaluating multiple providers can lead to significant savings in Mississippi. Our research shows potential savings of up to 54% on full coverage and 57% on minimum coverage. Utilize various sources like comparison sites, independent brokers, insurers' websites and direct agencies because prices for identical coverage can vary.
Take Advantage of Mississippi-Specific Programs
If you're a high-risk driver, Mississippi provides Impaired Driving training that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those driving less than average. Many insurers offer telematics insurance, rewarding good driving with discounts up to 40%. Automakers often provide insurance programs directly, potentially offering cost savings and additional benefits compared to traditional options.
What Affects Your Mississippi Car Insurance Estimates?
Your car insurance premium in Mississippi hinges on four main areas: vehicle details, your driver profile, location and the provider you choose. Discover how each factor influences rates specific to Mississippi drivers by exploring the links below:
How Much Does Provider Chosen Affect Mississippi Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates in Mississippi. Depending on the provider, your rates can drop 32% or increase by as much as 40% compared to the average for Magnolia State drivers.
| Lowest | Direct General Insurance | $67 | $798 |
| Highest | Progressive | $137 | $1,644 |
How Much Does Age Affect Mississippi Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Mississippi drivers. Depending on your age, your rates can go up as much as 107% or decrease by as much as 43% compared to state averages. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
| Lowest | 65 | $88 | $1,058 |
| Highest | 16 | $436 | $5,226 |
How Much Does Credit Affect Mississippi Car Insurance Estimates?
In the Magnolia State, credit scores are the third most impactful factor when determining car insurance rates. The better your credit score, the lower your rates will be. Monthly rates for full coverage vary from $86 to $219 depending on your credit.
| Lowest | Excellent | $86 | $1,028 |
| Highest | Poor | $219 | $2,632 |
How Much Does Coverage Affect Mississippi Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Mississippi, causing rates to vary anywhere from $484 per year for minimum coverage to $1,392 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $40 | $484 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $116 | $1,392 |
How Much Does Driving Record Affect Mississippi Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Mississippi with rates changing up to 30%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $98 | $1,172 |
| Highest | DUI - BAC >= .08 | $183 | $2,195 |
Mississippi Car Insurance Calculator: Bottom Line
Before you start, look into the costs, coverage options and different companies. Then use our car insurance calculator for estimates. Compare lots of quotes to find an affordable plan that fits just right. Check them side by side to ensure you get the best value for your needs.
Mississippi Car Insurance Estimate: FAQ
Below you will find answers to common questions about Mississippi car insurance costs and estimates.
What is used to determine Mississippi car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Mississippi car insurance on average?
Mississippi car insurance averages between $47 per month for state minimum coverage to about $167 monthly for comprehensive policies.
How do I get the best car insurance in Mississippi?
To secure the best car insurance in Mississippi, compare policies, evaluate your coverage needs and use tools like car insurance calculators for tailored options.
Our Mississippi Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.