Home Renters insurance Renters insurance cost Average renters insurance cost in Mississippi Average renters insurance cost in Mississippi Discover the average cost of renters insurance in Mississippi and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Gambhir is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Mississippi vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Mississippi pay $387 per year or $32 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. 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 monthIn Mississippi, the average monthly cost of renters insurance is $32. 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 monthDifference compared to national average$32$10 moreAverage renters insurance cost in Mississippi by companyRenters in Mississippi can find the most budget-friendly insurance with State Farm, which has an average annual cost of $291, according to our data. Other affordable options include Nationwide and Southern Farm Bureau.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Mississippi.CompanyAverage annual rateAverage monthly rateState Farm$291$24Nationwide$302$25Southern Farm Bureau$315$26Farmers$394$33Travelers$764$64Allstate$793$66USAA$148$12 Renters insurance calculator in Mississippi Select your state Mississippi Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $367/year Estimated renters insurance rates in Mississippi $31 Monthly renters insurance cost in Mississippi 49% Compared to national average Get quotes Average cost of renters insurance in Mississippi by coverage levelOn 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 levelAverage annual renters insurance rateAverage 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$43Average cost of renters insurance in Mississippi by cityRenters 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 cityBiloxiGulfportHattiesburgJacksonSouthavenAverage cost of renters insurance in Mississippi by ZIP codeThe cost of renters insurance in Mississippi varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Mississippi.Most affordable ZIP codes for renters insurance in MississippiThe 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 codeCityAverage annual rateAverage monthly rate39361Shuqualak$327$2739162Satartia$330$2739354Preston$332$2839057Conehatta$332$2839323Chunky$332$2839352Porterville$333$2838923Coila$334$2838913Banner$334$2839309Meridian$334$2838951Pittsboro$334$28Least affordable ZIP codes for renters insurance in MississippiYour 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 codeCityAverage annual rateAverage monthly rate39558Lakeshore$646$5439595Pascagoula$646$5439555Hurley$637$5339581Pascagoula$629$5239553Gautier$627$5239571DeLisle$627$5239564Gulf Hills$626$5239520Bay St. Louis$625$5239567Pascagoula$624$5239530Biloxi$623$52 Final thoughts: Average renters insurance in MississippiRenters insurance is a must-have for renters in Mississippi. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Mississippi Average homeowners insurance cost in Mississippi Average car insurance cost in Mississippi Non-owner car insurance in Mississippi Shivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Home insurance claims: How to file and what you should know By Chris Kissell How to calculate your home’s replacement cost By Nupur Gambhir Homeowners insurance basics By Shivani Gite How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin On this page Average renters insurance cost in Mississippi per monthAverage renters insurance cost in Mississippi by companyAverage cost of renters insurance in Mississippi by coverage levelAverage cost of renters insurance in Mississippi by cityAverage cost of renters insurance in Mississippi by ZIP codeFinal thoughts: Average renters insurance in Mississippi ZIP Code Please enter valid ZIP See rates