Average Car Insurance Cost in Mississippi (2024)

Compared to the national average of $158, the Magnolia State has affordable car insurance rates. Cheap rates for drivers in Mississippi may stem from the state’s relatively low population density and motor vehicle theft rates.^[1] Drivers in areas with fewer motor vehicles on the road often face lower risks of accidents and property damage.

Jackson residents pay the highest average rates in Mississippi, while Oxford drivers enjoy the lowest premiums. Your specific premium can depend on numerous factors, making it important to compare quotes from several car insurance companies.

Here’s what you need to know about affordable Mississippi car insurance that meets or exceeds the state’s minimum liability limits.

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What’s the average cost of car insurance in Mississippi?

Many car insurance companies offer auto policies to Mississippi drivers. Because insurers calculate rates differently, it’s a good idea to shop around and compare car insurance quotes, coverage levels, and coverage limits of different companies. This allows you to zero in on the best deal and find the right coverage for your unique situation.

Your premium will vary depending on your driving record, age, credit history, insurer, coverage level, and more.^[2] The average monthly cost of liability insurance in Mississippi is $85, while the average monthly cost of a full-coverage policy is $230.

Here’s an overview of the average cost of car insurance in Mississippi by insurer and coverage level.

Average Mississippi car insurance rates by city

Your ZIP code in Mississippi can affect how much you pay for your auto policy. If you live in a highly populated city like Jackson, you’ll notice higher rates than a driver in a smaller city such as Tupelo. Higher crime rates and a higher number of uninsured drivers may also lead to higher insurance premiums.

The table below shows cheap car insurance rates in Mississippi by city.

Average Mississippi car insurance rates by age

Insurers consider your age as a risk factor when determining car insurance rates. Trends in coverage costs by age exist, but the good news is drivers in all age groups can find cheap coverage options.

Teen drivers have limited driving experience and a fatal crash rate nearly three times as high as drivers age 20 and older.^[3] As a result, teenagers and young drivers usually pay the highest rates. Drivers between the ages of 35 and 69 tend to benefit from rates that decrease with age, but auto insurance rates increase again for senior drivers age 70 and older due to aging-related risk factors.

Below, you can compare the average cost of coverage in Mississippi by driver age.

How gender affects car insurance rates in Mississippi

Male drivers usually pose a higher risk of causing a car accident than female drivers. That’s why men typically pay higher car insurance rates than women. The cost difference by gender is most noticeable for young men. Average rates by gender even out a bit with age.

Shopping around can help you find the cheapest car insurance and best policy for your particular needs. Compare quotes by age and gender below.

How your driving record affects car insurance rates in Mississippi  

Your driving record plays a significant role in your car insurance costs. If you have a poor driving history with serious traffic violations, like speeding tickets, at-fault auto accidents, or DUIs, you can expect higher rates than someone with a clean driving record. On average, a Mississippi driver with a past incident on their record pays $212 per month for car insurance.

In Mississippi, good drivers with a clean record pay an average rate of $85 per month for liability insurance, while drivers with a DUI pay $140 per month.

The table below shows average Mississippi car insurance rates by driver record.

Average Mississippi car insurance rates by marital status

Partially due to multi-vehicle and bundling discounts offered by many auto insurers, married couples usually secure more competitive rates than single drivers.

Compare average rates for car insurance by marital status in Mississippi below.

Average Mississippi car insurance rates by credit tier

Like many other states, Mississippi allows insurance companies to consider your credit-based insurance score when determining your rates.^[4] If you have good or excellent credit, you’ll likely enjoy lower car insurance costs than a driver with a poor credit score.

Here are the average Mississippi insurance rates by credit tier.

Mississippi car insurance FAQs