Full coverage car insurance in Mississippi averages $123 a month, $1 below the national average of $124. Minimum coverage costs $57 a month, $3 below the national figure.
Average Cost of Car Insurance in Mississippi for 2026
Updated: June 17, 2026
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How Much Does Car Insurance Cost in Mississippi?
Minimum Coverage | $57 | $60 | $680 | $726 |
Full Coverage | $123 | $124 | $1,472 | $1,493 |
Mississippi Car Insurance Cost by Coverage Level
Mississippi coverage costs range from $60 a month for minimum liability to $164 for minimum liability with a $0 deductible.
Adding comprehensive and collision coverage to minimum liability with a $1,000 deductible costs $78 a month, an $18 monthly increase for coverage that includes damage to your own vehicle after a storm, collision or theft.
Lowering your deductible costs more than raising your liability limits: the minimum liability plus $0 deductible option averages $164 a month. This is $35 more than the standard 100/300/100 full coverage at $129.
Minimum Liability Only | $60 | $721 |
Min. liab. + comp/coll ($1,000 ded.) | $78 | $935 |
Min. liab. + comp/coll ($2,000 ded.) | $105 | $1,260 |
100/300/100 liability + comp/coll ($1,000 ded.) | $129 | $1,544 |
50/100/50 liability + comp/coll ($500 ded.) | $134 | $1,603 |
300/500/300 liability + comp/coll ($1,500 ded.) | $135 | $1,620 |
Min. liab. + comp/coll ($250 ded.) | $139 | $1,665 |
Min. liab. + comp/coll ($0 ded.) | $164 | $1,963 |
How Much Is Car Insurance by City in Mississippi?
Average car insurance costs in Mississippi vary by city. Jackson drivers pay an average of $128 a month for full coverage. Costs in Tupelo average $101 per month, $27 cheaper. The combination of urban theft exposure and uninsured motorists in Jackson drives its rates up. The city recorded more than 1,200 auto thefts in 2022.
Statewide, uninsured motorists make up 23% of drivers. These are concentrated more heavily in urban markets, which further increases costs in these areas.
Jackson | $128 | $59 |
Biloxi | $125 | $59 |
Gulfport | $124 | $57 |
Horn Lake | $118 | $54 |
Southaven | $117 | $54 |
Olive Branch | $116 | $53 |
Hattiesburg | $114 | $52 |
Greenville | $113 | $52 |
Meridian | $110 | $50 |
Tupelo | $101 | $46 |
How Much Is Car Insurance in Mississippi by Age and Gender?
In Mississippi, age and gender affect car insurance rates. A 16-year-old male on a family plan pays $3,653 a year, while a 16-year-old female pays $3,325. The average annual cost for 19-year-olds is $2,900 for male drivers and $2,708 for female drivers.
Use our free calculator to estimate your Mississippi car insurance cost based on your age and driver profile.
Cost of Car Insurance With Violations in Mississippi
A driver with a clean record pays an average of $129 a month. This increases to $139 after a not-at-fault accident. A speeding ticket raises the monthly cost to $162, which is $399 more per year than the clean-record rate. A Mississippi driver with a DUI conviction pays $220 per month on average and needs an SR-22 filing to maintain driving privileges.
Clean Record | $129 | $1,544 | — |
Accident (not at fault) | $139 | $1,673 | 8% |
Texting While Driving | $160 | $1,915 | 24% |
Speeding | $162 | $1,943 | 26% |
Accident (at fault) | $198 | $2,374 | 53% |
DUI | $220 | $2,646 | 71% |
How Does Credit Score Affect Car Insurance in Mississippi?
Mississippi drivers with poor credit pay $271 a month for full coverage; those with good credit pay $120. That $151 monthly difference adds up to $1,812 a year on identical coverage with the same driving record.
The state permits insurers to use credit-based scoring, so the $151 monthly difference is based on standard underwriting practice in the state and not a temporary market condition. For lower-income drivers who want more affordable car insurance, credit improvement can help.
Good Credit | $56 | $120 |
Bad Credit | $126 | $271 |
Difference | $70 | $151 |
How Much Does Car Insurance Cost in Mississippi by Vehicle?
The Honda Civic costs $137 a month for full coverage in Mississippi; the Tesla Model Y costs $248, a $1,332 annual difference on the same policy structure. The Toyota Camry falls in the middle at $153.
The Tesla Model Y's $111 monthly premium over the Honda Civic is due to battery-pack replacement costs, proprietary sensors and the specialized labor those repairs require. Mississippi's tornado and hurricane exposure adds a layer of comprehensive risk to any vehicle, but electric vehicles (EVs) result in higher repair costs when weather-related damage affects battery or sensor systems.
Insurance for a Toyota Prius is at $156 a month, $92 less than the Tesla Model 3 ($212). Not all EVs carry the same insurance cost: the Prius hybrid is closer to gas-vehicle pricing.
$69 | $833 | $137 | $1,649 | |
$70 | $839 | $138 | $1,658 | |
$72 | $867 | $143 | $1,716 | |
$78 | $931 | $153 | $1,841 | |
$79 | $942 | $156 | $1,867 | |
$81 | $968 | $160 | $1,918 | |
$109 | $1,307 | $212 | $2,548 | |
$127 | $1,524 | $248 | $2,974 |
What Affects Your Car Insurance Rates in Mississippi?
Your vehicle, city, driving history, age and gender are rating factors insurers use to determine car insurance prices. But the company you choose and your credit score affect Mississippi rates more than any other factors.
How to Compare Car Insurance Rates in Mississippi
Farm Bureau offers the lowest full coverage rate in Mississippi at $102 per month. Progressive is the most expensive option at $143, a $41 monthly gap. Travelers prices full coverage at $105 and Safeway at $119.
But the right approach to find the best car insurance in Mississippi is to look for the lowest price from a company that will pay your claim. Your profile determines which company that is.
$37 | $102 | $444 | $1,222 | |
$54 | $105 | $654 | $1,256 | |
$55 | $119 | $665 | $1,426 | |
$63 | $122 | $753 | $1,462 | |
$65 | $124 | $783 | $1,488 | |
Shelter Insurance | $59 | $132 | $710 | $1,581 |
$54 | $143 | $650 | $1,714 |
Get quotes from at least three carriers to find the cheapest car insurance in Mississippi. You can also use MoneyGeek's car insurance comparison tool to check and compare your options.
Cost of Car Insurance in Mississippi: FAQ
How much is Mississippi car insurance per month?
Mississippi car insurance averages $57 a month for minimum coverage and $123 for full coverage. Your rate shifts based on your driving record, age, credit score, and the coverage level you choose. The company also matters: Farm Bureau charges $102 a month and Progressive charges $143 for the same full coverage profile.
Why is Mississippi car insurance so expensive?
Mississippi's 23% uninsured driver rate, compared to the national 13%, raises premiums for insured motorists who absorb those costs through higher rates. Hurricane exposure along the Gulf Coast and an average of 43 tornadoes per year also increase comprehensive coverage costs statewide.
How does credit score affect car insurance in Mississippi?
Drivers with poor credit pay $271 a month for full coverage; those with good credit pay $120. That $151 monthly difference adds up to $1,812 a year.
Mississippi permits insurers to use credit-based scoring, so improving your credit score is one of the most effective long-term ways to reduce your premium.
How We Determined Mississippi Car Insurance Costs
We used this profile to determine 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
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.