Mississippi is a diverse state mixed with backcountry roads and open highways. Whether you are relocating within the state or moving there from elsewhere, auto insurance is a necessary part of owning and operating a vehicle in Mississippi. The state of Mississippi requires all registered vehicles to have liability coverage, per the Mississippi Auto Insurance Code. You must have the following liability minimum coverage:
- $25,000 per person per single accident
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Auto Insurance Rates for Mississippi
Mississippi car insurance averages $138 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. State Farm and GEICO offer competitive rates for Mississippi drivers. Mississippi has one of the highest uninsured driver rates in the US — estimated above 25 percent — making Uninsured Motorist coverage critical for Mississippi policyholders and effectively required for financial protection.
Car insurance rates in Mississippi vary depending on the vehicle you drive and the type of coverage you want. Rates also depend on your age and driving record. To get the best price for your auto insurance premium, make sure you get quotes from different insurance companies and check for all available discounts.
Agents offer similar coverage at different rates, and many even offer a lesser or greater discount based on certain factors. Find out which discounts you qualify for and then seek out insurers that offer discounts in those circumstances. If you are looking for insurance in Mississippi, we’ve broken down the average costs of car insurance by county for state minimum insurance coverage below:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adams | $1,218 | $1,008 | $1,272 | $1,050 | $1,206 |
| Alcorn | $913 | $762 | $955 | $794 | $904 |
| Amite | $1,026 | $835 | $1,070 | $869 | $1,016 |
| Attala | $1,049 | $858 | $1,072 | $892 | $1,039 |
| Benton | $969 | $802 | $1,012 | $835 | $959 |
| Bolivar | $974 | $815 | $1,018 | $848 | $964 |
| Calhoun | $927 | $760 | $970 | $793 | $917 |
| Carroll | $983 | $804 | $1,026 | $837 | $973 |
| Chickasaw | $893 | $731 | $934 | $763 | $884 |
| Choctaw | $980 | $799 | $1,020 | $831 | $971 |
Finding Auto Insurance Resources in Mississippi
The Mississippi Department of Public Safety is a good place to learn about the requirements for auto insurance coverage. Other resources, like the Mississippi Automobile Insurance Plan, provide help to high risk drivers who have a difficult time finding coverage. The Driver Services section of the DPS site is of great use, explaining the state driver’s license kiosks that save you the time of waiting in line to renew your license.
Mississippi Auto Insurance Tips
As a driver in Mississippi, there are a few tips you can follow to find affordable insurance, including the following:
1. Get auto insurance quotes from different companies to see who offers the best coverage and prices.
2. Always ask about insurance discounts offered for multi-car coverage and safety features, such as airbags, automatic seat belts, and anti-theft devices. Never expect the insurer to offer you every discount you may qualify for unless you ask.
3. Ask about other discounts that may apply; many companies offer discounts for teenagers who take driver training classes, as well as for senior citizens who take defensive driving courses.
Moving to Mississippi: Important Information
If you’re moving to Mississippi, the Department of Public Safety requires you to get a new driver’s license within 60 days of moving. To get a Mississippi driver’s license, you fill out an application, show proof of identity and residence, take a vision exam and written test, and pay the applicable fees.
You also must register out-of-state vehicles in Mississippi within 30 days at the tax collector’s office. Mississippi collects tax fees and fees based on the vehicle’s value and county of residence.
Understanding Driving Laws in Mississippi
If you are new to Mississippi or unfamiliar with the state’s traffic laws, you can use the Motor Vehicle Code, known as Title 63 of the State Code. Title 63 lists all the laws involving motor vehicles and their use in the state. There are 16 sections in Title 63, such as Driver’s License, Mandatory Seat Belt Usage, Traffic Rules, Regulations, and Violations.
One law that is strictly enforced is the use of seat belts for vehicle operators and front-seat passengers. Exemptions from this law include:
- Riders with written proof from a doctor that seat belt use is dangerous due to medical reasons
- Drivers and passengers in vehicles intended for farm use
- On-duty drivers of the U.S. Postal Service and on-duty meter readers
If police pull you over and you don’t have proof of auto insurance, you face hefty fines. It is important to carry proof of insurance in your vehicle. Failure to provide proof of insurance not only results in large fines but can also lead to suspension of your vehicle registration.
How Credit Scores and DUIs Affect Mississippi Car Insurance Rates
Mississippi insurers are permitted to use credit-based insurance scores when setting premiums, and the impact is significant — the average cost of full coverage with bad credit in Mississippi runs around $378 per month. Travelers, Progressive, and GEICO tend to offer some of the more competitive rates in the state for drivers with poor credit. A DUI conviction has an even larger effect, often pushing the average full-coverage rate to around $404 per month. Travelers is generally one of the more affordable options in Mississippi after a DUI, with rates around $231 per month. Because Mississippi already has one of the highest uninsured driver rates in the country, drivers recovering from a credit setback or a DUI should compare quotes carefully and keep uninsured motorist coverage in place.
Frequently Asked Questions About Mississippi Car Insurance
Here are the most common questions Mississippi drivers ask about auto insurance costs, requirements, and how to find the best rate.
Mississippi drivers pay an average of $138 per month for full coverage, according to insuranceQuotes.com rate data, with minimum liability coverage typically running around $49 per month. State Farm and GEICO are consistently among the more competitively priced carriers in the state.
USAA offers the lowest average rates in Mississippi but is limited to military members, veterans, and their families. Among carriers available to the general public, Progressive and State Farm are typically the most competitively priced, with State Farm averaging around $142 per month for full coverage.
Mississippi requires liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. Mississippi has one of the highest uninsured driver rates in the country, estimated above 25%, making uninsured motorist coverage especially important even though it isn’t mandatory.
A DUI conviction in Mississippi can push the average full-coverage rate to around $404 per month, well above the state average. Travelers tends to offer some of the more affordable post-DUI rates in Mississippi, at around $231 per month for full coverage, while Progressive is also competitive for drivers with a DUI on their record.
Yes. Mississippi insurers can consider credit-based insurance scores when setting premiums, and the difference is substantial — the average cost of full coverage with bad credit in Mississippi is around $378 per month. Travelers, Progressive, and GEICO tend to offer some of the more competitive rates in the state for drivers with poor credit.
New Mississippi residents generally need to register their vehicle and obtain a Mississippi auto insurance policy meeting the state’s minimum liability requirements promptly after establishing residency, typically within a similar window to neighboring Southern states of around 30 days.
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
