Average car insurance cost in Mississippi

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Understanding potential costs is essential when seeking auto insurance in Mississippi. On average, car insurance in Mississippi costs $2,008 annually or $167 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $113 from the state average.

You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location.

This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Mississippi, and car insurance rates by age group.

It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.

Average car insurance cost in Mississippi per month

In Mississippi, the average monthly rate for car insurance is $167.

This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Mississippi, it’s advisable to obtain quotes from multiple companies.

Cheapest car insurance companies in Mississippi

According to Insure.com’s rate analysis, Nationwide offers the most affordable car insurance premiums in Mississippi. The average annual cost is $1,331, or $111 per month. The second-best option available is Travelers, offering insurance at an average cost of $136 per month.

The table below lists the other available car insurance companies that offer car insurance in Mississippi, along with their average cost per month and average annual cost.

Read our guide to cheap car insurance companies

Mississippi car insurance calculator

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Year 2023 Cylinders 4

Make & Model Acura - Integra State Mississippi

Style 2WD 4 Door Hatchback Turbo CVT

Vehicle Type Luxury Car

State Minimum Coverage

NA^*

Liability Coverage

NA^*

Full Coverage

$1,992/Year OR $166/month

Mississippi

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Average cost of car insurance by coverage levels in Mississippi

The extent of coverage you select determines car insurance costs in Mississippi. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.

Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Mississippi amounts to $637.

Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Mississippi stands at $2,008.

Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Mississippi, the average annual cost for non-owner state minimum liability coverage stands at $321.

Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $463 in Mississippi.

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.

Average car insurance cost in Mississippi by city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Mississippi:

Average car insurance cost in Mississippi by age of the driver

Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Mississippi, the average annual rate for young drivers is $3,220, whereas for seniors, it’s $1,973. Notably, the rate for young drivers surpasses that of senior drivers by $1,247.

Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.

Average car insurance cost in Mississippi for young drivers

In Mississippi, female young drivers typically pay an average annual car insurance cost of $3,040 and $253 per month.

Conversely, male young drivers pay an average annual rate of $3,402, or $284 per month.

The average annual rates for young male and female drivers are listed in the table below:

Average car insurance cost in Mississippi for senior drivers

In Mississippi, senior female drivers pay an annual car insurance cost of $1,927, equating to $161 per month. Similarly, male senior drivers face an average yearly expense of $2,019, or $168 per month.

Read more about senior car insurance.

Minimum car insurance requirements in Mississippi

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Mississippi Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Mississippi:

• Bodily injury per person: $25,000

• Bodily injury per accident: $50,000

• Personal property coverage per person: $25,000

Cheapest cars to insure in Mississippi

The Chevrolet TrailBlazer has the lowest average annual insurance premium, at $1,489, with the Mazda CX-30 closely following at $1,495. Annually, the insurance cost difference between these two models amounts to $6.

Most expensive cars to insure in Mississippi

The Maserati Quattroporte, at an average annual premium of $6,063, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,574 annually.

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Explore other insurance options in Mississippi

Non-owner car insurance in Mississippi

Average renters insurance cost in Mississippi

Average homeowners insurance cost in Mississippi

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.