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 full coverage car insurance cost in Mississippi is $2,455 annually, or $205 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University. | Updated on: February 23, 2026 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 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Mississippi, you can expect to pay an average of around $205 per month for full coverage car insurance, or $2,455 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $42 monthly or $510 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,455 Average per month cost $205 Average cost for state minimum coverage $729 / Year Cheapest car insurance company Travelers$1,885 / Year Average cost for young drivers $3,968 / Year Average cost for Senior drivers $2,365 / Year 012345 1 of 6 Average car insurance cost in Mississippi Drivers in Mississippi generally pay an average of $205 per month or $2,455 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $42 or $510 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in MississippiIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,885 per year or $157 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Shelter Insurance also provides affordable insurance rates in Mississippi for a full coverage policy at an average annual insurance cost of $2,346 or $196 monthly.While these companies offer some of the lowest average premiums in Mississippi, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Mississippi Graph Table Company nameAverage per month costAverage annual costTravelers$157$1,885Shelter Insurance$196$2,346Nationwide$213$2,559GEICO$220$2,637Progressive$224$2,687Southern Farm Bureau$229$2,743Allstate$249$2,992Safeway Insurance$293$3,518USAA*$117$1,405*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Mississippi car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Mississippi Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Mississippi Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$859/year Full Coverage$2,402/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in MississippiYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $42 a month, or about $510 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Mississippi pay around $205 per month, or roughly $2,455 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$510Liability only$729Full coverage$2,455Non-owner state minimum liability$339Powered by:Auto 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 citySee rates in your citySouthaven Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Mississippi by cityCar insurance rates can vary widely depending on where you live, even within Mississippi.Cities like Jackson, Gulfport, or Biloxi tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Tupelo or Olive Branch, with average annual premiums between $2,049 and $2,235.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costTupelo$2,049Olive Branch$2,235Southaven$2,261Hattiesburg$2,283Madison$2,329Greenville$2,335Meridian$2,375Biloxi$2,418Gulfport$2,426Jackson$2,578Powered by:Average car insurance cost in Mississippi by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Mississippi for full coverage, depending on your age and gender.Average car insurance cost in Mississippi for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Mississippi, 20-year-old male drivers pay an average of $5,559 per year for car insurance, while their female counterparts pay $4,803 for the same coverage.However, by age 25, average car insurance costs drop to about $2,999 per year for male drivers and $2,951 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,559$4,80321$4,183$3,77422$3,830$3,57223$3,579$3,32624$3,421$3,185Powered by:Average car insurance cost in Mississippi for adult driversAn adult driver aged 25-60 in Mississippi pays $2,460 per year for full coverage, or $205 each month. Female drivers of the same age pay $2,426 annually or $202 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,999$2,95130$2,679$2,67335$2,543$2,55140$2,455$2,45445$2,380$2,38250$2,285$2,23655$2,227$2,15360$2,194$2,112Powered by:Average car insurance cost in Mississippi for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,216 per year, and women pay $2,114.By age 70, those averages increase to $2,340 for men and $2,220 for women. At 75, premiums rise again, reaching $2,714 for male drivers and $2,555 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,216$2,11470$2,340$2,22075$2,714$2,555Powered by:Minimum car insurance requirements in MississippiWhether you’re purchasing a policy for the first time or relocating to Mississippi, it’s important to understand the state’s liability coverage requirements.Drivers in Mississippi must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in MississippiThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Chevrolet TrailBlazer is one of the cheapest cars to insure in Mississippi, with an average premium of $1,853 per year. Ford Maverick has an average annual cost of $1,892.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumChevrolet TrailBlazer$1,853Ford Maverick$1,892Volkswagen Taos$1,893Hyundai Venue$1,895Mazda CX-30$1,948Toyota Corolla Cross$1,962GMC Savana$1,980Toyota Corolla Cross Hybrid$1,990Kia Seltos$2,000Honda HR-V$2,004Powered by:Most expensive cars to insure in MississippiMaserati Quattroporte stands out as the most expensive car to insure in Mississippi, with an average annual cost of $8,250.The table below shows the most expensive vehicles to insure in Mississippi along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$8,250Porsche 911 Turbo$7,350Nissan GT-R$7,013Audi S8$6,996BMW M8 Gran Coupe$6,927BMW i7$6,772BMW M8$6,661Audi e-tron GT$6,638Maserati Ghibli$6,620Tesla Model S$6,599Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MississippiCheapest 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 ageMinimum car insurance requirements in MississippiCheapest cars to insure in MississippiMost expensive cars to insure in MississippiMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330