Car insurance calculator for teens in Mississippi

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Car insurance for teens in Mississippi is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Mississippi. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Mississippi

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$8,908 Average rate

$17,641 Highest
rate

$4,145 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Safeway Insurance	$17,641
Allstate	$12,911
Progressive	$10,918

Least expensive companies for auto insurance in ()

Company	Average annual rate
Southern Farm Bureau	$4,145
Nationwide	$5,104
State Farm	$6,347

Average car insurance costs for teens in Mississippi

On average, teen drivers in Mississippi pay $6,244 per year for coverage with limits of 100/300/100 – that’s $100,000 for one person’s injuries, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Mississippi can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

Teen car insurance rates in Mississippi, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Mississippi averages $7,951 per year. At 19, the average falls again to $4,523.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Mississippi by age.

Teen car insurance in Mississippi, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Mississippi, a 16-year-old male driver pays about $8,224 annually, while a female of the same age pays $7,693 – a difference of $531.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Mississippi by gender.

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Cheapest car insurance companies for teen drivers in Mississippi

Car insurance for teens is expensive everywhere, but some companies consistently offer lower rates. That’s why comparing quotes is the best way to find the most affordable coverage for your family.

In Mississippi, Southern Farm Bureau offers the lowest rates for drivers ages 16-19, averaging $3,637 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Nationwide, at $4,137.

See the table below for the cheapest companies offering teen car insurance in Mississippi.

Minimum car insurance requirements for teens in Mississippi

In Mississippi, teen drivers must carry the same minimum liability coverage as adults before getting behind the wheel. That includes:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability

State-minimum limits offer only basic protection, and the cost of medical care or vehicle repairs can easily exceed them. That’s why it’s wise to choose higher coverage limits-especially when adding a new teen driver to your policy.

If your car is financed or leased, your lender will require comprehensive and collision coverage. These protections help pay for repairs to your own vehicle after an accident, theft, or weather damage.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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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