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Car Insurance in Mississippi: 2026 Rates & Guide

Mississippi is a mid-range state for car insurance. The average driver pays $154/month ($1848/year). Here's how to find the best rate for your situation.

$154

Avg Monthly

$1848

Avg Annual

#11

Cost Rank (1=priciest)

$118

Cheapest Option/mo

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Cheapest Car Insurance Companies in Mississippi (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Mississippi — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$118/mo4.5Get Quote
2
GEICO
$128/mo4.3Get Quote
3
Alfa Insurance
$112/mo4.4
4
Progressive
$138/mo4Get Quote
5
Allstate
$152/mo3.9Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Mississippi Car Insurance Requirements

Minimum Coverage: 25/50/25

Mississippi is an at-fault state. The driver who causes an accident is financially responsible.

Mississippi Insurance Facts

Mississippi has one of the highest uninsured driver rates in the US (~25%), which raises premiums for insured drivers.
Severe weather including tornadoes and hailstorms drives up comprehensive insurance costs statewide.
Rural Mississippi is among the cheaper areas in the state, but the overall average is elevated by high litigation costs.

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How to Get Cheaper Car Insurance in Mississippi

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Mississippi — FAQs

What is the average cost of car insurance in Mississippi?
The average car insurance cost in Mississippi is $154 per month ($1848 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Mississippi?
Mississippi requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Mississippi?
Based on our research, State Farm offers the lowest average rate in Mississippi at around $118/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Mississippi a no-fault car insurance state?
No, Mississippi is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Mississippi?
The most effective ways to lower your car insurance in Mississippi include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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