For a 40-year-old driver with a clean record, car insurance in Biloxi, MS, averages about $195 a month ($2,339 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the Mississippi average of $187 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Mississippi Farm Bureau, Progressive and Safeco), at about $124 a month.
Biloxi costs less than neighboring Gulfport for our benchmark driver, about $7 a month less, but about $8 a month more than the Mississippi average.
Our data covers three ZIP codes with a Biloxi mailing address, from about $192 a month in 39532 to $198 in 39531. Use them as a benchmark when you compare auto insurance quotes in Biloxi, MS.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Biloxi ZIP codes in our data, 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 Biloxi, MS?
Car insurance in Biloxi, MS, costs about $195 a month ($2,339 a year) for full coverage, for our benchmark driver. Liability-only coverage at Mississippi’s 25/50/25 minimum averages $823 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,207 ($184 a month).
- Full coverage (100/300/100, $500 deductibles): $2,339 a year ($195 a month)
- 50/100/50 with $500 deductibles: $2,207 a year ($184 a month)
- Liability only (25/50/25): $823 a year ($69 a month)
- Harrison County: $2,368 a year ($197 a month) for full coverage
- Mississippi average: $2,242 a year ($187 a month) for full coverage
- ZIP code range: $192 (39532) to $198 (39531) a month for full coverage
Cheapest Car Insurance in Biloxi, MS: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $124 a month ($1,483 a year).
- Next lowest among the four major insurers we compared: Safeco, at about $170 a month, then Mississippi Farm Bureau at $210.
- Liability only (25/50/25): about $42 to $104 a month across these four insurers.
- State Farm (Nov. 2025 rates)*: about $164 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $132 a month, Travelers at $161, Nationwide at $163, GEICO at $200 and Shelter at $209 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $277 a month, $1,835 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Biloxi 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 Biloxi table, Travelers*, priced from those studies and scaled to our benchmark driver, comes in at about $161 a month, above Progressive’s $124, so we don’t name it. For liability-only coverage at 25/50/25 limits, averages run from about $42 to $104 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Biloxi
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $508 | $42 | $1,483 | $124 |
| Safeco | $737 | $61 | $2,042 | $170 |
| Mississippi Farm Bureau | $799 | $67 | $2,515 | $210 |
| Allstate | $1,249 | $104 | $3,318 | $277 |
| State Farm (Nov. 2025 rates)* | $576 | $48 | $1,963 | $164 |
| USAA (military families)* | $628 | $52 | $1,580 | $132 |
| Travelers* | $1,009 | $84 | $1,935 | $161 |
| Nationwide* | $968 | $81 | $1,955 | $163 |
| GEICO* | $1,054 | $88 | $2,399 | $200 |
| Shelter Insurance* | $1,232 | $103 | $2,512 | $209 |
| Biloxi average | $823 | $69 | $2,339 | $195 |
This table uses Biloxi ZIP codes only. 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.
Biloxi Car Insurance Rates by ZIP Code
Across the three Biloxi ZIP codes we price, full coverage for our driver ranges from about $192 a month in 39532 to $198 in 39531, a gap of $74 a year. 39532, the northernmost of the three, is the least expensive Biloxi ZIP code in our data, and 39531, on the west side toward Gulfport, the most expensive. 39530 averages about $195 a month.
Lowest-priced Biloxi ZIP code
Highest-priced Biloxi ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Biloxi’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 39530 | $821 | $68 | $2,337 | $195 | About average |
| 39531 | $846 | $71 | $2,378 | $198 | +2% |
| 39532 | $803 | $67 | $2,304 | $192 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Biloxi?
Raising liability limits from 50/100/50 to 100/300/100 adds about $132 a year on average in our Biloxi data, with the same $500 deductibles. That’s about $11 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.
Is Car Insurance Going Up in Biloxi?
Not for our benchmark driver. Comparing the same insurers in the same Biloxi ZIP codes, full coverage averaged $2,595 a year nine months earlier and $2,339 in rates as of Aug. 31, 2026, a 9.9% drop. Progressive cut its Biloxi average 36.7% and Mississippi Farm Bureau 13.8%, while Allstate raised its average 7.8%; Safeco’s average was 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 4.1%, led by Mississippi Farm Bureau, which cut its liability-only average 12.9%.
What Shapes Car Insurance Costs in Biloxi
Biloxi is in Harrison County, which averages about $197 a month for full coverage, the 12th-most expensive of the 67 Mississippi counties we price; Biloxi costs a little less than the county as a whole.
D’Iberville, just north, averages about $194 a month, and Ocean Springs, to the east in Jackson County, $188. Farther east, Gautier averages $186 and Pascagoula $192. Prices depend on where in Mississippi you live, not just on your car and driving record.
How Biloxi Car Insurance Compares With Other Mississippi Cities
More Mississippi cities and towns are in the Mississippi rates by city table, and you can compare states on our car insurance rates by state page.
Gulfport, about 13 miles west, averages $202 a month, and Hattiesburg, about 70 miles north, $180. Jackson, the state capital, averages $206.
What Car Insurance Is Required in Biloxi?
Drivers in Biloxi follow Mississippi’s rules. Every driver must carry liability insurance of at least:
- $25,000 per person and $50,000 per crash for injuries you cause to others
- $25,000 for damage you cause to other people’s property
You must keep an insurance card in the car, on paper or on your phone, according to the Mississippi Insurance Department, and police can check your coverage electronically by license plate or VIN, according to the Department of Public Safety. Our Mississippi requirements guide covers the penalties for driving uninsured and what happens after a crash.
How to Lower Your Car Insurance Rate in Biloxi
- Compare Progressive and Safeco first. They have the two lowest full-coverage averages among the four major insurers we compared in Biloxi, about $124 and $170 a month.
- Quote several insurers. In our Biloxi data, the lowest and highest insurer averages are about $153 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Over the past nine months, Progressive has cut its Biloxi average 36.7% and Mississippi Farm Bureau 13.8%, while Allstate has raised its average 7.8%, so the order in our table can shift.
- 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.
- 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 compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Biloxi 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: 12 full-coverage premiums from four insurers across three Biloxi 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.
Biloxi Car Insurance FAQ
Car insurance in Biloxi, MS, costs about $195 a month ($2,339 a year) for full coverage and about $69 a month for liability-only coverage at the 25/50/25 state minimum, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% above the Mississippi average of $187 a month.
Progressive has the lowest full-coverage average in our Biloxi rate data, at about $124 a month, followed by Safeco at $170. For liability-only coverage, averages run from about $42 to $104 a month. Travelers, which published 2026 Mississippi rate studies most often rank cheapest, comes in at about $161 a month in our Biloxi table once scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Ocean Springs, for our benchmark driver. Biloxi full coverage averages about $195 a month and Ocean Springs about $188, a difference of about $7 a month for the same driver and car.
In our data, 39532 has the lowest full-coverage average in Biloxi, at about $192 a month, and 39531 the highest, at about $198. The ZIP code table on this page lists all three.
In our Biloxi data, full coverage (100/300/100 with $500 deductibles) averages about $195 a month and liability-only coverage at 25/50/25 limits about $69, a difference of about $126 a month ($1,516 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Mississippi law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Biloxi must carry Mississippi’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries you cause and $25,000 for property damage (25/50/25). You must keep proof of insurance in the car, on paper or on your phone, and police can check your coverage electronically by license plate or VIN.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Biloxi full coverage fell 9.9% over the past nine months, from about $2,595 to $2,339 a year. Progressive cut its Biloxi average 36.7% and Mississippi Farm Bureau 13.8%, while Allstate raised its average 7.8%. Liability-only coverage at 25/50/25 limits fell 4.1%.
For our benchmark driver, full coverage in Biloxi averages about $195 a month. Nearby, Gulfport averages about $202, Hattiesburg about $180 and Meridian about $183. Hattiesburg and Meridian are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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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.
