Mississippi Car Insurance Calculator
Calculate your auto insurance cost in Mississippi. Compare with state averages and find savings.
$1,689
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$141
Full Coverage
$2,189
Min Coverage
$578
Uninsured Rate
22.5%
Mississippi Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Mississippi
Highest uninsured rate nationallyRural roadsWeather claims
Major Metro Areas in Mississippi
JacksonGulfportSouthavenHattiesburgBiloxi
FAQ
Mississippi Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Mississippi
The average annual car insurance premium in Mississippi is $1,689, or about $141 per month. Full coverage averages $2,189 annually, while minimum coverage averages $578. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Mississippi requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage).
Key factors affecting Mississippi car insurance rates include: Highest uninsured rate nationally, Rural roads, Weather claims. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 22.5% of drivers in Mississippi are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Mississippi car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Mississippi include: State Farm, GEICO, Progressive, Allstate, Mississippi Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MS Insurance Costs
Average premiums in Mississippi:
- Annual Average$1,689
- Monthly Average$141
- Full Coverage$2,189
- Minimum Coverage$578
MS Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate22.5%
Top MS Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Mississippi Farm Bureau