Mississippi homeowners insurance calculator

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The average annual cost of homeowners insurance in Mississippi is $2,529, but what you pay will depend on factors like your home’s location, replacement cost, coverage limits, and deductible.

Our Mississippi homeowners insurance calculator is a good starting point if you want a general sense of what insuring your home might cost. It shows how dwelling coverage, liability limits, and deductible choices influence your premium, and lets you compare rates across insurers and against the state average.

Whether you’re purchasing a home, revisiting your current policy, or looking for a better rate, the calculator helps set realistic expectations before you start collecting quotes.

How can I lower my homeowners insurance premium in Mississippi?

Compare quotes from several insurers before committing – rates for identical coverage can vary more than you might expect.
Consider raising your deductible – accepting a higher out-of-pocket cost in a claim usually brings your annual premium down.
Bundle your home and auto policies with the same insurer to take advantage of multi-policy discounts.
Add safety features to your home, such as smoke detectors, deadbolt locks, or a security system – these can qualify you for additional savings.

How to use the Mississippi home insurance calculator

Our calculator is built to give you a fast, personalized cost estimate for homeowners insurance in Mississippi. Enter a few key details, and you’ll have a working figure in minutes. Here’s how:

Select your state. Choose Mississippi to pull rates relevant to your location.
Enter your dwelling coverage amount. This reflects what it would cost to fully rebuild your home.
Choose your liability limit. This covers you if someone is injured on your property or you accidentally damage someone else’s belongings.
Set your deductible. The amount you’d pay out of pocket before your policy kicks in.

Once you’ve filled in your details, the calculator will display:

The average annual homeowners insurance rate in Mississippi
The highest and lowest rates found in our data
A list of insurers in Mississippi alongside their typical annual premiums

It’s a practical way to get a cost estimate and size up your options.

Mississippi home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Mississippi

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Dwelling coverage

Liability coverage

Deductible

$1,000 with 2% Hurricane deductible

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Mississippi

$2,529 Average rate

Average rate

$2,529/Yr

Lowest rate

$1,802/Yr

Highest rate

$3,876/Yr

Rates by carriers in Mississippi

Company	Average annual rate
USAA	$1,802
Allstate	$2,898
Travelers	$3,056
Nationwide	$3,101
Farmers	$3,151
State Farm	$3,876

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average homeowners insurance premium in Mississippi is $2,529 per year, which is cheaper than the national average of $2,612.
Premiums vary depending on your home’s location, age, size, estimated rebuild cost, and the coverage limits you choose.
Floods, earthquakes, and similar climate-related events are not covered under a standard homeowners policy – residents in high-risk areas should look into separate coverage.
Because rates differ meaningfully between insurers, shopping around and comparing quotes is one of the most effective ways to reduce costs.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in Mississippi?

Dwelling coverage helps pay to repair or rebuild your home. The amount you choose will directly affect your insurance premium – higher coverage generally means higher premiums. Still, it’s important to select enough coverage to avoid paying high out-of-pocket costs if something happens to your home.

The table below shows the average annual and monthly premiums based on different dwelling coverage amounts.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,975	$165
$300,000	$2,529	$211
$400,000	$3,005	$250
$600,000	$4,101	$342
$1,000,000	$6,078	$506

Average cost of homeowners insurance in Mississippi

Homeowners in Mississippi pay an average of $2,529 per year for home insurance, which is cheaper than the national average of $2,612.

That figure is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

Your actual premium could be higher or lower depending on your home’s location, age, size, and estimated rebuilding cost.

Average cost of home insurance in major Mississippi cities

Homeowners insurance isn’t priced the same across Mississippi. Rates in Tupelo are among the most affordable in the state, while homeowners in Biloxi face significantly higher premiums.

The table below outlines average annual rates across major cities in Mississippi.

City	Average annual rate	Average monthly rate
Biloxi	$5,038	$420
Greenville	$2,391	$199
Gulfport	$4,860	$405
Hattiesburg	$2,651	$221
Jackson	$2,587	$216
Madison	$2,377	$198
Meridian	$2,227	$186
Olive Branch	$2,305	$192
Southaven	$2,221	$185
Tupelo	$2,191	$183

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Mississippi by city

See rates in your city

How do natural disasters affect homeowners insurance rates in Mississippi?

Your home’s geographic location plays a significant role in what you pay for insurance. Properties in areas with a higher likelihood of flooding, wildfires, hurricanes, or tornadoes tend to carry higher premiums, as they represent a greater claims risk for insurers.

It’s also important to know that standard homeowners policies exclude these events. Depending on where your home is located, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this protection increases your overall insurance costs, but it also means you won’t be facing major repair or rebuilding expenses entirely on your own after a disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Mississippi?

A hurricane deductible is a policy-specific deductible that applies only to losses caused by hurricanes, separate from your standard deductible. Rather than a fixed dollar amount, it’s expressed as a percentage of your dwelling coverage – commonly up to 10%.

The table below shows average rates with and without a 2% hurricane deductible. If your policy doesn’t include hurricane coverage and you’re in a high-risk coastal area, any hurricane-related damage would fall entirely outside your coverage. Taking the time to read through your policy details carefully is the best way to confirm you have the protection your location requires.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$2,529	$2,862

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Mississippi?

Homeowners in Mississippi pay an average of $2,529 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Mississippi?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.