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how much is car insurance in mississippi

3 Answers

SanJeremiah

12/23/25 9:36am

The average cost of car insurance in Mississippi is approximately $2,150 per year for full coverage and about $700 per year for minimum liability coverage. However, this is just a starting point. Your actual premium will be a personalized calculation based on your driving history, age, location within the state, the car you drive, and even your credit-based insurance score.

The single biggest factor influencing your rate is your driving record. A clean record with no tickets or accidents will get you the lowest possible premiums. Conversely, a single at-fault accident or a DUI conviction can cause your rates to double or even triple. Your age is another significant factor; drivers under 25 typically pay the highest rates due to statistical risk.

Where you live in Mississippi matters. Urban areas like Jackson or Gulfport often have higher premiums than rural areas due to increased traffic density, higher rates of accidents, and greater risk of theft. The type of vehicle you insure is also critical. Insuring a new, expensive SUV with comprehensive and collision coverage costs far more than covering an older, safe sedan with just liability.

To find the best rate, you must comparison shop. Insurance companies weigh these factors differently, so getting quotes from at least three different providers is the most effective way to save money.

Driver Profile	Vehicle Type	Coverage Level	Estimated Annual Premium
40-year-old with clean record	Honda CR-V	Full Coverage	$1,900 - $2,400
40-year-old with clean record	Honda CR-V	State Minimum	$600 - $800
20-year-old with clean record	Ford F-150	Full Coverage	$3,500 - $4,800
Driver with one at-fault accident	Toyota Camry	Full Coverage	$3,000 - $3,800
Driver with a DUI conviction	Chevrolet Malibu	Full Coverage	$4,500 - $6,000+

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LaHarper

12/31/25 1:58am

It really depends on you and your car. For just the basic legal coverage, you might pay around $60 a month. But if you have a loan on your car or a lease, you'll need full coverage, which can easily be $180 or more a month. The best thing to do is just go online and get a few quotes. It only takes about 15 minutes, and you'll see the real number for your situation. I saved over $300 a year by switching companies last time my policy renewed.

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DeKeegan

01/07/26 10:37am

Mississippi tends to have higher-than-average insurance rates, partly due to factors like weather risks and uninsured motorist rates. While the state mandates liability coverage, many experts strongly recommend going beyond the minimums. Adding uninsured motorist protection is particularly wise here. Your credit history can also play a surprising role in determining your premium in Mississippi, as insurers use it to assess risk. Shopping around is not just a suggestion; it's essential for finding a competitive rate.

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