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 an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 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’re in Mississippi, your monthly cost for full coverage car insurance is $205, which adds up to $2,455 per year. For minimum coverage, expect to pay an average of $42 monthly, or $510 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 Average car insurance cost in MississippiIf you’re a resident of Mississippi, full coverage car insurance typically costs about $205 per month, adding up to $2,455 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $42, or $510 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.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: 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? 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 premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $42 per month or $510 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Mississippi, drivers typically pay $205 per month or $2,455 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Jackson, Gulfport or Biloxi, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Tupelo or Olive Branch pay significantly low insurance rates, on average between $2,049 and $2,235 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Mississippi, based on age and gender.Average car insurance cost in Mississippi for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Mississippi pays an average of $5,559 annually for car insurance, compared to $4,803 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,999 per year for male drivers and $2,951 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 annually for full coverage, or around $205 each month. Women in the same age group pay $2,426 per year or $202 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,216 annually, while women pay $2,114.By 70, average rates go up to $2,340 for men and $2,220 for women. At age 75, costs increase further, reaching $2,714 for men and $2,555 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record 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 buying insurance for the first time or moving to a new state, understanding the required liability limits in Mississippi can help you avoid fines and make smarter choices about your coverage.Drivers in Mississippi must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in MississippiYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Chevrolet TrailBlazer tops the list for cheapest car to insure in Mississippi at an average cost of $1,853 a year, followed closely by Ford Maverick at $1,892 per year.The table below outlines the vehicles with the lowest insurance costs.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 is one of the most expensive vehicles to insure in Mississippi, with an average annual cost of $8,250.Below is a list of the costliest vehicles to insure in Mississippi and their average premiums.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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: 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