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 $387 per year or $32 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 $387 per year or $32 per month.
State Farm provides the least expensive renters insurance in Mississippi at an average rate of $291 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

The average cost of renters insurance in Mississippi is $32 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$32	$10 more

Average renters insurance cost in Mississippi by company

According to our data, State Farm provides the most affordable renters insurance in Mississippi, with an average annual rate of $291, followed by Nationwide and Southern Farm Bureau.

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
State Farm	$291	$24
Nationwide	$302	$25
Southern Farm Bureau	$315	$26
Farmers	$394	$33
Travelers	$764	$64
Allstate	$793	$66
USAA*	$148	$12

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

Renters insurance calculator in Mississippi

$367/year

Estimated renters insurance rates in Mississippi

$31

Monthly renters insurance cost in Mississippi

49%

Compared to national average

Average cost of renters insurance in Mississippi by coverage level

On average, Mississippi renters pay $387 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Mississippi to $269 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in Mississippi for personal property coverage 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	$276	$23
$20,000 with $500 Deductible and $300,000 Liability	$295	$25
$20,000 with $1,000 Deductible and $100,000 Liability	$250	$21
$20,000 with $1,000 Deductible and $300,000 Liability	$269	$22
$40,000 with $500 Deductible and $100,000 Liability	$406	$34
$40,000 with $500 Deductible and $300,000 Liability	$425	$35
$40,000 with $1,000 Deductible and $100,000 Liability	$367	$31
$40,000 with $1,000 Deductible and $300,000 Liability	$387	$32
$60,000 with $500 Deductible and $100,000 Liability	$545	$45
$60,000 with $500 Deductible and $300,000 Liability	$565	$47
$60,000 with $1,000 Deductible and $100,000 Liability	$491	$41
$60,000 with $1,000 Deductible and $300,000 Liability	$511	$43

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

Renters insurance rates in Mississippi by city

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 $327.

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	$327	$27
39162	Satartia	$330	$27
39354	Preston	$332	$28
39057	Conehatta	$332	$28
39323	Chunky	$332	$28
39352	Porterville	$333	$28
38923	Coila	$334	$28
38913	Banner	$334	$28
39309	Meridian	$334	$28
38951	Pittsboro	$334	$28

Least affordable ZIP codes for renters insurance in Mississippi

Your ZIP code, among other factors, affects how much you pay for renters insurance in Mississippi. 39558 is the least affordable ZIP code for Mississippi renters at an average cost of $646 a year or $54 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Mississippi. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
39558	Lakeshore	$646	$54
39595	Pascagoula	$646	$54
39555	Hurley	$637	$53
39581	Pascagoula	$629	$52
39553	Gautier	$627	$52
39571	DeLisle	$627	$52
39564	Gulf Hills	$626	$52
39520	Bay St. Louis	$625	$52
39567	Pascagoula	$624	$52
39530	Biloxi	$623	$52

Final thoughts: Average renters insurance in Mississippi

Renters insurance is essential for residents of Mississippi. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

How much is renters insurance in other states

Alaska$257/Year

Alabama$324/Year

Arkansas$363/Year

Arizona$260/Year

California$271/Year

Colorado$191/Year

Connecticut$292/Year

Delaware$181/Year

Florida$248/Year

Georgia$352/Year

Hawaii$247/Year

Iowa$203/Year

Idaho$184/Year

Illinois$246/Year

Indiana$269/Year

Kansas$251/Year

Kentucky$207/Year

Louisiana$504/Year

Massachusetts$262/Year

Maryland$256/Year

Maine$198/Year

Michigan$340/Year

Minnesota$211/Year

Missouri$231/Year

Montana$275/Year

North Carolina$366/Year

North Dakota$192/Year

Nebraska$295/Year

New Hampshire$173/Year

New Jersey$207/Year

New Mexico$201/Year

Nevada$246/Year

New York$293/Year

Ohio$252/Year

Oklahoma$281/Year

Oregon$288/Year

Pennsylvania$274/Year

Rhode Island$476/Year

South Carolina$294/Year

South Dakota$202/Year

Tennessee$290/Year

Texas$226/Year

Utah$204/Year

Virginia$235/Year

Vermont$182/Year

Washington$222/Year

Wisconsin$167/Year

West Virginia$248/Year

Wyoming$136/Year

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.