Average Cost of Car Insurance in Mississippi for 2025

Average Rates in Mississippi By Coverage Level

The average cost of car insurance in Mississippi is $1,870 annually for full coverage and $661 per year for minimum coverage. The national average for full coverage is $2,399 and $635 for minimum coverage.

Naturally, having full coverage means higher premiums, but you also have more coverage in case of an accident. Mississippi doesn’t require uninsured/underinsured motorist coverage, but it’s worth considering. The state has one of the highest rates of uninsured motorists in the country (over 22 percent) — in other words, 1 in 5 drivers in Mississippi don’t have insurance.¹

Average Rates in Mississippi By City

In Mississippi, as in other states, where you live plays a role in how much you pay for car insurance. That’s because the larger the city, the more traffic there is, which can translate into more auto accidents. Here are five of the major cities in Mississippi with the average cost of car insurance. For example, auto insurance in Hattiesburg is about $200 less per year than it is in Jackson.

Average Rates in Mississippi By Age

Throughout the United States, teenagers pay more than any other age bracket for car insurance. The national average for a policy with a teen driver is $5,327, which is more than double the full coverage average without a teen. In Mississippi, the average is even higher, at $6,051. Male teens typically pay more than female teens, because they are more likely to engage in risky behavior that could cause an accident.

USAA, State Farm, and Progressive tend to have some of the cheapest rates in Mississippi. USAA is only available to the military community, and Progressive’s rates tend to be especially competitive for drivers in higher-risk categories. If you’re struggling to find affordable coverage in Mississippi, you can seek coverage through the Mississippi Automobile Insurance Plan, typically as a last resort.²

Keep in mind that exactly how much you pay depends on factors like your driving record, vehicle, zip code, and more.

* USAA has cheaper rates in these categories, but is only available to military members, veterans, and their families.

Even though as a resident of Mississippi you generally will pay less than drivers living in other states, you should explore ways to save on your auto insurance.

• Ask about discounts. Bundling your auto insurance with a homeowners or renters policy from the same carrier can net you savings on your policy. Other popular discounts include safe driver, multi-policy, and good student. Carriers often offer members of the military, both active and retired, discounts on policies.
• Raise your credit score. Since insurers can consider your credit rating when underwriting, the higher your score, the lower your premium will be.
• Keep a clean driving record. The fewer infractions on your record, the less you’ll pay for auto insurance.
• Get more than one quote. Call multiple companies to see which offer the best rate with the most discounts.
• Drive a less expensive vehicle. High-end vehicles, such as luxury and electric vehicles, can be more costly to fix after an accident, so switching to a different vehicle should lower your cost.

The state requires bodily injury liability and property damage liability:

• Bodily injury liability per accident involving one person: $25,000
• Bodily injury liability per accident involving two or more people: $50,000
• Property damage liability: $25,000

Mississippi is an at-fault state, meaning the driver who caused the accident is responsible for the other party’s medical expenses and property damage. Also, Mississippi has pure comparative negligence laws, which means if you and the other driver share responsibility for the accident, the costs are divided according to fault. For example, if you are 70 percent responsible for the accident, you could still recover 30 percent of the damages from the other party.

The state requires an SR-22 if your license is suspended or you’re convicted of a serious traffic violation, such as a DUI, reckless driving, or hit-and-run. Mississippi law mandates you must maintain your SR-22 for three years after you’re allowed to drive again. Usually, your insurance provider will file the SR-22 on your behalf for a fee of $25 to $50. However, you will pay more for car insurance because of your SR-22.

Car insurance rates in Mississippi tend to be cheaper than the national average, especially for full coverage. USAA (for eligible customers), State Farm, and Progressive tend to have some of the cheapest rates in the state, and they’re also among our top picks for auto insurance in Mississippi. Because Mississippi has a high rate of uninsured drivers, it’s wise to add UIM coverage to your policy.

We analyze average auto insurance premiums in Mississippi for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible