Drivers in Mississippi pay an annual average rate of $1,291 for car insurance, or $108 per month. As auto insurance rates have increased nationwide over the last two years, the same applies to the Magnolia State — prices are more than 30% higher.

Even though Mississippi’s cost of living is the fourth-lowest in the nation, the state’s car insurance rates nearly match the national average.1 That’s because Mississippi’s high rate of crash fatalities and uninsured drivers leads to higher insurance costs.2 The good news is that you can still find affordable coverage.

How much is car insurance in Mississippi?

The average cost of a full-coverage car insurance policy in Mississippi is $144 per month, or $1,729 per year. Full coverage includes comprehensive and collision coverage, which pay for damage to your car. The liability portion of your policy pays for the other driver’s medical expenses and vehicle repairs if you cause an accident.3

Mississippi drivers pay an average of $853 per year, or $71 per month. Although state-minimum coverage is cheaper, it may not be enough to pay for the other driver’s expenses, and it won’t cover your car’s repairs.

How Mississippi car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Mississippi rose to $2,300 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain comparable to Mississippi rates.

See how Mississippi car insurance prices have changed over the past two years below.

Average Mississippi car insurance rates by city

Where you live — even within the same state — affects how much you pay for car insurance. Drivers in bigger cities like Jackson and Hattiesburg usually pay more for car insurance due to more traffic and higher theft rates. Rural drivers, on the other hand, typically pay less.

Area-specific data, such as weather, legal action related to car accidents, and repair costs, also affect how much drivers pay for coverage in different parts of the state.4

Here’s how much drivers pay for car insurance in different cities in Mississippi.

Average Mississippi car insurance rates by age and gender

Car insurance companies consider your gender when determining rates. Female drivers statistically have fewer accidents behind the wheel, so they pay less for insurance than male drivers.

Your age is another factor insurance companies use to set rates. Young drivers — especially 16-year-olds — have less experience behind the wheel and tend to engage in riskier behavior than more experienced drivers.5 As a result, teen drivers pay higher rates.

Insurance costs usually decrease as drivers age, with 60-year-olds having some of the lowest rates. But once you reach age 70, your premiums start to increase again, as age-related changes can affect your driving ability.6

The table below shows how your insurance rates change with age for both liability only and full coverage.

Average cost to insure popular vehicles in Mississippi

Your car’s make and model also affect the average cost of your insurance. High-value cars cost more to insure, on average, due to higher theft rates and repair costs. On the other hand, buying a new car equipped with the latest safety features or anti-theft devices can often lead to lower insurance rates.

Trucks are the most popular vehicles in Mississippi, as they can go off road and hold large cargo — helpful in a rural state.

The table below shows the average insurance cost for the most popular vehicles in the state.

How your driving record affects car insurance rates in Mississippi 

If you have an infraction on your record — such as a speeding ticket, accident, or driving under the influence (DUI) — you’ll pay more for your insurance than a driver with a clean driving record. Insurers charge more because of the increased risk and higher likelihood that you’ll file a claim.

Mississippi drivers who’ve caused an accident pay about 40% more than the state average, while drivers with a DUI pay an average of 60% more.

Below, you can see the average monthly cost of car insurance for a sample driver profile with an incident on their record.

How to lower your insurance costs in Mississippi

You can’t control certain factors that affect car insurance rates, but you can still find ways to lower your costs: