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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur 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.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 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 A full coverage car insurance policy costs around $2,455 a year or $205 per month for Mississippi drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $510 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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 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 Minimum$705/year Liability coverage$1,246/year Full Coverage$2,884/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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MississippiThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $42 per month, or $510 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Mississippi, the average cost for full coverage is $205 per month, or $2,455 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 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 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. 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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 1-833-708-5453