Auto Insurance in Mississippi

Mississippi's auto insurance rates are right in line with the national average — $1,734 per year, compared to $1,669 nationwide. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in Mississippi
$1,734
$0 $5,000
North Carolina car owners pay the least
$874
Average annual rate in the US
$1,669
Michigan car owners pay the most
$4,054

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Find the best auto insurance in Mississippi

Enter your ZIP code to find your best rates:

Compared to the national average of auto insurance premiums, premiums for residents of Mississippi are higher. However, your auto insurance rate will vary depending on where you are geographically located, in addition to a myriad of factors, so it’s important to get several quotes for insurance plans before deciding what coverage is best for you.

Mississippi Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$25k
per accident

The recommended minimum coverage to protect motorists is 50/100/50, which means that each driver has $50,000 per person and $100,000 per accident bodily injury coverage, as well as $50,000 of property damage coverage. Mississippi’s state minimum liability coverage is comparatively low, at 25/50/25. However, motorists are encouraged to opt for a higher level of coverage, like 100/300/100.

In 2013, the average auto liability claim for property damage was $3,231 while the average claim for bodily injury was $15,443. This means that half of all accidents cost more than these figures, and a smaller percentage are exorbitantly expensive. If you do not have adequate coverage, you have to pay for any cost beyond your coverage amount out-of-pocket. This may leave drivers with tens or hundreds of thousands of dollars of debt.

If you want to ensure you get the best coverage for the lowest price, spend some time getting quotes from several providers. Insurance companies differ in how they arrive at their rates, meaning different companies will offer you different rates for the same coverage. While shopping around might take time, you may end up stumbling on a great rate and save tons of money on premiums.

Cheapest Car Insurance in Mississippi

Yearly Rate

  • $1,338
    State Farm
  • $1,546
    Nationwide
  • $1,495
    Southern Farm Bureau
  • $1,773
    Progressive
  • $2,127
    Allstate

For some consumers, the most important factor when choosing an auto insurance company is the price. These are the cheapest auto insurance companies in Mississippi.

While choosing an affordable car insurance company has its benefits, there are also drawbacks to low-cost auto insurance. Purchasing cheap car insurance policies often results in lower quality customer service, inefficient claim handling, and a less intimate experience compared to local car insurance providers.

Where is car insurance most affordable?

In Mississippi, insurance rates vary from area to area. Rates tend to be highest in the most populated areas and lower in less populated, more rural areas.

While auto insurance rates are nearly identical in all of the state’s biggest cities, they’re highest in Gulfport, followed by Jackson and Biloxi.

Biloxi Auto Insurance

Population: 50,644
Biloxi
$1,726
Mississippi
$1,734

Gulfport is a lovely coastal beach town in Mississippi, and the city is home to 71,127 people. Known as mainly a tourist and vacation destination, Gulfport is a driving town. Thus, motorists in Gulfport should ensure they take the time to find the best auto insurance coverage possible. Residents of Gulfport will find that their insurance premiums are just a bit higher than the state average.

Gulfport Auto Insurance

Population: 71,127
Gulfport
$1,739
Mississippi
$1,734

Gulfport is a lovely coastal beach town in Mississippi, and the city is home to 71,127 people. Known as mainly a tourist and vacation destination, Gulfport is a driving town. Thus, motorists in Gulfport should ensure they take the time to find the best auto insurance coverage possible. Residents of Gulfport will find that their insurance premiums are just a bit higher than the state average.

Jackson Auto Insurance

Population: 172,638
Jackson
$1,734
Mississippi
$1,734

Jackson is Mississippi’s largest city and the capital of the state. With a sprawling metropolitan area and a population of 172,638, Jackson does have public transportation options, but many choose to drive. Average insurance premiums are exactly the same as the state average, and drivers should take care to find the policy that suits them and their driving needs.

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