Average Renters Insurance Cost in Mississippi

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Renters insurance costs in Mississippi vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Mississippi is $429 per year or $36 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Mississippi is $429 per year or $36 per month.
Nationwide provides the least expensive renters insurance in Mississippi at an average rate of $324 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Mississippi.

Average renters insurance cost in Mississippi per month

In Mississippi, the average monthly cost of renters insurance is $36. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$36	$12 more

Average renters insurance cost in Mississippi by company

According to our data, Nationwide provides the most affordable renters insurance in Mississippi, with an average annual rate of $324, followed by State Farm and Farmers.

Getting quotes from multiple renters insurance companies in Mississippi is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Mississippi.

Company	Average annual rate	Average monthly rate
Nationwide	$324	$27
State Farm	$330	$27
Farmers	$433	$36
Allstate	$828	$69
Travelers	$989	$82
USAA*	$138	$11

*USAA is only available to military community members and their families.

Renters insurance calculator in Mississippi

$404/year

Estimated renters insurance rates in Mississippi

$34

Monthly renters insurance cost in Mississippi

50%

Compared to national average

Average cost of renters insurance in Mississippi by coverage level

As we discussed above, the average cost of renters insurance in Mississippi is $429 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $310 per year for renters insurance in Mississippi, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Mississippi for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$313	$26
$20,000 with $500 Deductible and $300,000 Liability	$338	$28
$20,000 with $1,000 Deductible and $100,000 Liability	$285	$24
$20,000 with $1,000 Deductible and $300,000 Liability	$310	$26
$40,000 with $500 Deductible and $100,000 Liability	$443	$37
$40,000 with $500 Deductible and $300,000 Liability	$468	$39
$40,000 with $1,000 Deductible and $100,000 Liability	$404	$34
$40,000 with $1,000 Deductible and $300,000 Liability	$429	$36
$60,000 with $500 Deductible and $100,000 Liability	$582	$49
$60,000 with $500 Deductible and $300,000 Liability	$609	$51
$60,000 with $1,000 Deductible and $100,000 Liability	$532	$44
$60,000 with $1,000 Deductible and $300,000 Liability	$559	$47

Average cost of renters insurance in Mississippi by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Mississippi.

Renters insurance rates in Mississippi by city

See rates in your city

Biloxi

Average cost of renters insurance in Mississippi by ZIP code

In Mississippi, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Mississippi

The amount Mississippi renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 39361 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $347.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Mississippi.

ZIP code	City	Average annual rate	Average monthly rate
39361	Shuqualak	$347	$29
39162	Satartia	$348	$29
39354	Preston	$352	$29
39352	Porterville	$353	$29
39057	Conehatta	$354	$30
39323	Chunky	$355	$30
38923	Coila	$355	$30
39309	Meridian	$356	$30
38957	Sumner	$356	$30
38913	Banner	$357	$30

Least affordable ZIP codes for renters insurance in Mississippi

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Mississippi is 39595, with an average cost of $762 a year or $64 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Mississippi. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
39595	Pascagoula	$762	$64
39555	Hurley	$747	$62
39558	Lakeshore	$742	$62
39530	Biloxi	$721	$60
39564	Ocean Springs	$719	$60
39553	Gautier	$714	$60
39507	Gulfport	$711	$59
39560	Long Beach	$701	$58
39563	Moss Point	$700	$58
39571	Pass Christian	$698	$58

Final thoughts: Average renters insurance in Mississippi

Renters insurance is a must for Mississippi renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

Shivani Gite

Contributing 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.