Mississippi Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Mississippi car insurance averages about $187 a month ($2,242 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 20% below the national average in our data. It’s about the same as in Tennessee, higher than in Alabama and lower than in Arkansas and Louisiana. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Mississippi Farm Bureau, Progressive and Safeco), at about $121 a month.

Mississippi car insurance: key numbers

• Full coverage: about $187 a month ($2,242 a year)
• Liability only (25/50/25): about $60 a month
• Lowest-priced insurer: Progressive has the lowest full-coverage average of the four major insurers we compared, at about $121 a month
• Recent price change: −8.2% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Adams County (about $211 a month) and Union County (about $164)

Where you live in Mississippi matters. Adams County, home to Natchez, costs the most of the 67 counties we price, at about $211 a month for full coverage, followed by Yazoo and Copiah counties. Lee and Union counties in northeast Mississippi and Oktibbeha County, home to Starkville, cost the least of the 67, at about $164 to $165, and Tupelo and Saltillo share the lowest average of the 130 cities and towns we price, at $163. Use these averages as a benchmark, then compare Mississippi auto insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 153 Mississippi ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Mississippi?

On average, full coverage in Mississippi runs about $187 a month ($2,242 a year), while liability-only coverage at the 25/50/25 state minimum is $60 a month ($714 a year). The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Mississippi averages $2,242 a year, or about $187 a month, for our benchmark driver. Liability-only coverage at Mississippi’s 25/50/25 minimum averages $714 a year ($60 a month), and 50/100/50 liability with comprehensive and collision averages $2,140 ($178 a month).

• Full coverage (100/300/100, $500 deductibles): $2,242 a year ($187 a month)
• 50/100/50 with $500 deductibles: $2,140 a year ($178 a month)
• Liability only (25/50/25): $714 a year ($60 a month)
• Jackson: $2,466 a year ($206 a month) for full coverage
• Gulfport: $2,424 a year ($202 a month) for full coverage
• Southaven: $2,239 a year ($187 a month) for full coverage
• Tupelo: $1,951 a year ($163 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Mississippi Compares With Neighboring States

Mississippi’s average is about $16 a month above Alabama’s, $17 below Arkansas’, $113 below Louisiana’s and the same as Tennessee’s. It’s the 19th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Mississippi: Companies Compared

Progressive is the cheapest of these four insurers in Mississippi for our benchmark driver, at about $121 a month ($1,456 a year) for full coverage, about 19% below Safeco. The bullets and table below show all four major insurers we compared, the State Farm row from its November 2025 rates and the five insurers marked *.

• Lowest average in our data, full coverage: Progressive, at about $121 a month ($1,456 a year).
• Next lowest among these four insurers: Safeco, at about $149 a month, then Mississippi Farm Bureau at $197.
• Liability only (25/50/25): about $31 to $97 a month across these four insurers.
• State Farm (Nov. 2025 rates)*: about $172 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $132 a month, Travelers at $162, Nationwide at $163, GEICO at $200 and Shelter at $210 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $279 a month for full coverage, $1,895 a year more than Progressive.

Progressive has the lowest full-coverage average among the four insurers in our Mississippi rate data. The published 2026 statewide Mississippi rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. Two put State Farm first and one Direct Auto. In our statewide table, Travelers*, priced from those studies and scaled to our benchmark driver, comes in at about $162 a month, above Progressive’s $121, so we don’t name it. For liability-only coverage at 25/50/25 limits, averages run from about $31 to $97 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Mississippi

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How Mississippi’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Mississippi?

Not for our benchmark driver. Comparing the same insurers in the same Mississippi ZIP codes, full coverage averaged $2,441 a year nine months earlier and $2,242 in rates as of Aug. 31, 2026, an 8.2% drop. Progressive cut its Mississippi average 31.1% and Mississippi Farm Bureau 14.1%, while Allstate raised its average 8.3%; Safeco’s average was about unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 5.8%, led by Progressive, which cut its liability-only average 16.9%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Mississippi Car Insurance Costs

Mississippi’s full-coverage average is the 19th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Jackson and southwest Mississippi cost the most in our data. Hinds County, home to Jackson, averages $204 a month, the sixth-most expensive of the 67 counties we price, and Jackson’s 39204 is the most expensive of the 153 Mississippi ZIP codes we price, at $215. Hazlehurst ($213) and Natchez ($211) are the two most expensive of the 130 cities and towns in our city table.
• Progressive’s big cut. Comparing the same insurers in the same ZIP codes, Progressive cut its statewide full-coverage average 31.1% over the past nine months, from $2,113 to $1,456 a year, the largest change of the four insurers we can compare. The four insurers’ combined average fell 8.2%.
• Electronic insurance checks. Police can check your insurance electronically by license plate or VIN, and driving uninsured has been a criminal misdemeanor in Mississippi since 2018, according to the Department of Public Safety.

Mississippi Car Insurance Rates by City

Tupelo and Saltillo, both in Lee County, share the lowest full-coverage average of the 130 Mississippi cities and towns we price, about $163 a month. Hazlehurst, in Copiah County, is the most expensive of the 130 Mississippi cities and towns we price, at $213, followed by Natchez at $211. Of the five cities with three or more ZIP codes in our data, Jackson costs the most, at $206, and Columbus the least, at $166. The table also lists Jackson suburbs such as Madison ($183), Flowood ($190) and Pearl ($197), and smaller towns such as Holly Springs ($188), and it links each of our 10 city guides.

The table lists all 130 Mississippi cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Mississippi City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Mississippi Car Insurance Rates by County

Adams County is the most expensive county in our data, at about $211 a month for full coverage, followed by Yazoo County ($208) and Copiah County ($207). The least expensive of the 67 counties we price are Union County ($164) and Oktibbeha and Lee counties (both $165). We price 67 of Mississippi’s 82 counties.

How Much More Does Better Coverage Cost in Mississippi?

Raising liability limits from 50/100/50 to 100/300/100 adds about $102 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the step up costs $82 (Allstate) to $123 (Mississippi Farm Bureau) a year. Statewide, that’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Mississippi Car Insurance Rules at a Glance

What Car Insurance Is Required in Mississippi?

Every driver in Mississippi must carry liability insurance of at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (25/50/25), a minimum in place since Jan. 1, 2006. Proof of insurance must be kept in your car, and a card on your phone works.

• Bodily injury liability: $25,000 per person and $50,000 per crash, according to the Mississippi Insurance Department.
• Property damage liability: $25,000 per crash.
• Proof of insurance: an insurance card in the car at all times. Since July 1, 2013, under Senate Bill 2593, the card can be on paper or an image on your phone.

The liability-only prices on this page use those 25/50/25 limits, with 25/50 uninsured and underinsured motorist coverage. The department notes that uninsured and underinsured motorist coverage lets you claim for your injuries or damage through your own insurer when an uninsured driver hits you, and that medical payments coverage, which is optional, pays the medical expenses of people injured in a crash regardless of fault. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.

How Mississippi Checks Car Insurance

Police can check your insurance electronically by license plate or VIN, and the state began enforcing its statewide electronic verification system in September 2017, according to the Department of Public Safety. Tag offices don’t check insurance when you register a car, according to the Department of Revenue, but the insurance requirement still applies.

Penalties for Driving Without Insurance in Mississippi

Since 2018, driving uninsured in Mississippi has been a criminal offense rather than a civil violation, and uninsured drivers can get a misdemeanor citation, according to the Department of Public Safety. It can also cost you your license: if a crash report doesn’t list insurance for your vehicle, your driving privileges can be suspended. Owners who were insured but couldn’t show proof at the scene have 60 days to send proof to the Driver Service Bureau to avoid a suspension, and reinstating a license after a crash suspension costs $100, according to the Driver Service Bureau. Reinstating a license suspended by a citation also costs $100, according to its reinstatement page.

Credit, New Residents and Complaints

Mississippi insurers can use your credit to set your rate, but they can’t turn you down, cancel or refuse to renew your policy based solely on a credit score, according to the Mississippi Insurance Department. They can also price by your driving record, where you live and keep your car, your age, gender and marital status, and the miles you drive, according to the department.

If you move to Mississippi, you must get a Mississippi license plate within 30 days and a Mississippi driver’s license within 60 days, according to the Department of Public Safety. For problems with an insurer, the Mississippi Insurance Department’s Consumer Services Division takes complaints online and at 800-562-2957.

How to Lower Your Car Insurance Rate in Mississippi

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $158 a month apart for the same driver and car.
2. Compare Progressive and Safeco first. They have the two lowest full-coverage averages statewide in our data, about $121 and $149 a month.
3. Don’t let coverage lapse. Police can check your insurance electronically by license plate or VIN, according to the Department of Public Safety, and driving uninsured has been a criminal misdemeanor in Mississippi since 2018, so a gap between policies can cost more than the premium you save.
4. Send proof after a crash. If you were insured but the crash report doesn’t show it, you have 60 days to send proof to the Driver Service Bureau to avoid a license suspension, according to the Department of Public Safety. Reinstating a license after a crash suspension costs $100.
5. Know how credit is used. Mississippi insurers can use your credit to set your rate, but they can’t deny, cancel or refuse to renew your policy based solely on a credit score, according to the Mississippi Insurance Department.
6. New to Mississippi? Line up coverage first. You have 30 days to get a Mississippi license plate and 60 days to get a Mississippi driver’s license, according to the Department of Public Safety, so compare Mississippi quotes before you register your car.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 31.1% and Mississippi Farm Bureau 14.1%, while Allstate has raised its average 8.3%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Mississippi and our home insurance guides for Jackson and Gulfport, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Mississippi Car Insurance Quotes

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How We Calculated Mississippi Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 612 full-coverage premiums from four insurers across 153 Mississippi ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Mississippi averages come from four insurers, fewer than in most states. Allstate charges far more than the other three for full coverage in every Mississippi city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Mississippi’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Mississippi’s 25/50/25 minimum has been in place since Jan. 1, 2006, according to the Mississippi Insurance Department.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Mississippi rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Mississippi law and the Mississippi Insurance Department. We refresh these figures when new rate data is released.

More Mississippi Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Mississippi Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 82 counties, and a coupe is the most expensive in 80 of them. A coupe costs about 27% more than an SUV on average.

Mississippi Car Insurance FAQ