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: January 7, 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 / Year 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 If you live in Mississippi can expect to pay an average of $205 per month for full coverage car insurance – that’s $2,455 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $42 monthly or $510 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MississippiTravelers has the cheapest rates, at an average annual cost of $1,885 or $157 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Shelter Insurance also stands out for its affordable premiums, with an average cost of $196 per month or $2,346 annually.While these insurance companies have some of the lowest average rates in Mississippi, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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? 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 cityWhere you live in Mississippi can have a big impact on your car insurance rates.If you’re located in cities like Jackson, Gulfport, or Biloxi, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Tupelo and Olive Branch tend to pay much lower insurance premiums, between $2,049 and $2,235 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Mississippi for a full coverage policy based on your age and gender.Average car insurance cost in Mississippi for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Mississippi pay an average of $5,559 per year for car insurance, while females of the same age pay $4,803.But by the time you turn 25, insurance premiums drop to $2,999 a year on average 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 driversOn average, an adult male driver in Mississippi pays $2,460 a year for full coverage or $205 per month. Women pay $2,426 a year or $202 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,216 per year, while women pay $2,114. But by age 70, average premiums rise to $2,340 for men and $2,220 annually for women. At 75, rates increase even further – $2,714 for male drivers and $2,555 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 your first insurance policy or just moved to Mississippi, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Mississippi must carry at least the following minimum liability coverage: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 tops the list as the most expensive car to insure in Mississippi, at an average annual cost of $8,250. Below is a list of the most expensive vehicles to insure in Mississippi and their average annual 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:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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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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