Updated: April 30, 2026
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Mississippi car insurance costs more than in many states, with drivers paying higher premiums due to severe weather risks and one of the nation's highest uninsured motorist rates. Your rate depends heavily on your age, where you live, your driving experience and whether you've had accidents or violations.
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Car insurance in Mississippi ranges from $57 per month for minimum coverage to $123 per month for full coverage. Drivers in Mississippi pay $21 more per year than the national average for full coverage, but save $46 annually compared to the national average for minimum coverage.
| Minimum Coverage | $57 | $60 | $680 | $726 |
| Full Coverage | $123 | $124 | $1,472 | $1,493 |
At $123 per month, Mississippi sits above New York ($120, rank 30) and below Missouri ($124, rank 32) in the national affordability rankings. Mississippi ranks 31st, placing it in the middle tier with 20 states costing more for full coverage. While not as cheap as Vermont's $75 per month, Mississippi drivers pay far less than the $243 monthly average in Florida.
| Vermont | $75 | $902 | 1 |
| New York | $120 | $1,435 | 30 |
| Mississippi | $123 | $1,472 | 31 |
| Missouri | $124 | $1,486 | 32 |
| Florida | $243 | $2,912 | 51 |
Several Mississippi drivers carry no insurance; this forces insurers to build the cost of uninsured motorist claims into everyone's premiums, driving up rates across all coverage levels. The state's high uninsured rate stems partly from economic factors, as Mississippi has the lowest median household income nationally at around $49,000.
Severe weather creates another major cost driver for Mississippi. Hurricane season brings billions in annual insurance claims, with Hurricane Ida alone causing over $2 billion in Mississippi damages in 2021. The state also ranks among the top 10 nationally for tornado activity, with an average of 43 tornadoes per year.
Jackson recorded over 1,200 auto thefts in 2022. Urban theft rates are a factor that insurers price into comprehensive coverage costs.
Lower-income drivers have a difficult time affording coverage in this high-cost environment. Rates vary between cities and rural areas (see city rates below).
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 that makes shopping around essential. Travelers comes in at $105 and Safeway at $119. All quotes use the same driver profile, so the $492 annual difference between the cheapest and most expensive option reflects real savings from switching carriers.
Read more: Cheapest and Best Car Insurance Companies in Mississippi
| Farm Bureau | $37 | $102 | $444 | $1,222 |
| Travelers | $54 | $105 | $654 | $1,256 |
| Progressive | $54 | $143 | $650 | $1,714 |
| Safeway Insurance | $55 | $119 | $665 | $1,426 |
| Shelter Insurance | $59 | $132 | $710 | $1,581 |
| Allstate | $63 | $122 | $753 | $1,462 |
| Safe Auto Insurance | $65 | $124 | $783 | $1,488 |
Each insurer uses its own formula to weigh risk factors (driving record, location, age and vehicle), so the same driver gets a different rate from every company. Carriers with a larger Mississippi book of business price local driver profiles based on years of in-state claims data. Insurers with fewer policies in the state fall back on regional patterns, which can work for or against you depending on your profile. Some carriers target clean-record drivers aggressively; others specialize in higher-risk profiles that standard insurers decline. Getting quotes from at least three carriers is the only reliable way to find your lowest rate.
Your coverage level is one of the main cost factors you can control today, along with which company you choose. State minimum liability in Mississippi costs $60 per month — the cheapest legal option available. Adding comprehensive and collision coverage with a $1,000 deductible brings your monthly premium to $78, $18 more per month for protection that covers damage to your own vehicle.
Lowering your deductible can cost more than raising your liability limits. The most expensive coverage tier in our Mississippi database is minimum liability plus comprehensive and collision with a $0 deductible at $164 per month, driven by that zero-dollar deductible on physical damage coverage.
| Minimum Liability Only | $60 | $721 |
| Min. liab. + comp/coll ($0 ded.) | $164 | $1,963 |
| 50/100/50 liability + comp/coll ($500 ded.) | $134 | $1,603 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $129 | $1,544 |
| Min. liab. + comp/coll ($250 ded.) | $139 | $1,665 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $135 | $1,620 |
| Min. liab. + comp/coll ($1,000 ded.) | $78 | $935 |
| Min. liab. + comp/coll ($2,000 ded.) | $105 | $1,260 |
Your deductible is the amount you pay out of pocket before insurance starts after an accident. Higher deductibles lower your monthly premium, while lower deductibles mean less money upfront when you file a claim. This choice only matters if you have comprehensive and collision coverage, not with minimum coverage.
Mississippi requires drivers to carry 25/50/25 liability coverage. This notation breaks down as $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident. Minimum coverage protects others when you're at fault, but won't pay for damage to your own vehicle.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need.
Car insurance rates span a $33 monthly range across Mississippi's 10 most populous cities, $396 per year. Jackson is the most expensive at $128 per month; Tupelo is the cheapest at $101. Meridian is the second cheapest at $110 per month.
| Tupelo | $101 | $46 |
| Meridian | $110 | $50 |
| Greenville | $113 | $52 |
| Hattiesburg | $114 | $52 |
| Olive Branch | $116 | $53 |
| Southaven | $117 | $54 |
| Horn Lake | $118 | $54 |
| Gulfport | $124 | $57 |
| Biloxi | $125 | $59 |
| Jackson | $128 | $59 |
Tupelo's rural northeastern location means less traffic and fewer urban risk factors, which accounts for the $33 monthly gap between the state's most and least expensive cities.
A 16-year-old male in Mississippi pays $8,433 per year on an individual policy. On a family policy, that drops to $6,092, a $2,341 annual difference. Sixteen-year-old female drivers pay $5,572 on a family policy, showing how gender affects car insurance rates in the state.
Mississippi premiums drop steadily through the early 20s and level off around age 25, the point at which most drivers reach the lowest rates available to them.
| 16 | $8,433 | $6,092 |
| 17 | $7,277 | $5,912 |
| 18 | $5,831 | $5,541 |
| 19 | $4,284 | $4,834 |
| 20 | $3,759 | $4,496 |
| 21 | $2,943 | $4,152 |
| 22 | $2,705 | $3,972 |
| 23 | $2,515 | $3,869 |
| 24 | $2,312 | $3,663 |
| 25 | $2,064 | $3,403 |
Use our free calculator to estimate your Mississippi car insurance cost based on your driver profile.
Drivers with a clean record pay $129 per month for full coverage in Mississippi. A speeding ticket raises that to $162, a 26% increase, or $399 more per year. Most violations stay on your record for three to five years, though the timeframe depends on the violation type.
A DUI conviction brings monthly premiums to $220, 71% more than a clean record, or $1,102 extra per year. Insurers treat violations as evidence of higher claim risk and price accordingly. DUI convictions in Mississippi usually require 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% |
Multiple violations narrow your insurer options in Mississippi and can move you into the high-risk pool, where fewer carriers will write policies. High-risk classification means higher rates, and sometimes difficulty finding coverage at all.
Mississippi allows insurers to use credit-based scoring. Drivers with good credit pay $120 per month for full coverage; those with poor credit pay $271, a 126% difference, or $1,812 more per year.
Improving your credit score is one of the few long-term levers that can lower your premiums without changing your coverage. The savings compound year over year, which makes credit repair worth the effort for lower-income drivers even if results take 12 to 18 months.
| Good Credit | $56 | $120 |
| Difference | $70 | $151 |
| Bad Credit | $126 | $271 |
Full coverage ranges from $137 per month for a Honda Civic to $248 for a Tesla Model Y, a $1,332 annual difference. The Toyota Camry falls in the middle at $153 per month. Vehicle choice is one of the few cost factors you can control before buying.
Electric vehicles cost more to insure because parts and repairs are more expensive than for conventional vehicles. The Tesla Model Y's $248 monthly premium reflects battery pack replacement costs, proprietary sensors and the specialized labor those repairs require.
| Honda Civic | $69 | $833 | $137 | $1,649 |
| Ford F-150 | $70 | $839 | $138 | $1,658 |
| Honda Accord | $72 | $867 | $143 | $1,716 |
| Toyota Camry | $78 | $931 | $153 | $1,841 |
| Toyota Prius | $79 | $942 | $156 | $1,867 |
| Toyota Rav4 | $81 | $968 | $160 | $1,918 |
| Tesla Model 3 | $109 | $1,307 | $212 | $2,548 |
| Tesla Model Y | $127 | $1,524 | $248 | $2,974 |
Your city, age, driving record and coverage level all affect your Mississippi car insurance rate. Each factor can shift your annual premium by hundreds of dollars.
Mississippi car insurance averages $57 per month for minimum coverage and $123 for full coverage. Your rate shifts based on your driving record, age and the coverage level you choose.
Mississippi has a 23% uninsured driver rate compared to the national average of 13%, which raises premiums for insured motorists. Hurricane damage along the Gulf Coast and frequent severe thunderstorms also drive up comprehensive coverage costs statewide. See the full breakdown above.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
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 analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
