Mississippi Car Insurance Cost for 2025

How much does car insurance cost in Mississippi? We find the cars with cheap insurance rates plus compare average rates for popular models.

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What is average car insurance cost in Mississippi?

The average cost to insure a car in Mississippi is $2,432 per year, or around $203 per month, which is 9.1% more than the national average rate of $2,221.

Average Mississippi car insurance quotes for some of the most popular vehicles include the Ram 1500 pickup at an average of $2,814 per year, the Ford Escape at $2,218, the Toyota RAV4 at $2,242, the Nissan Sentra at $2,228, and the Honda Accord at $2,348 per year.

The chart below shows average Mississippi car insurance cost when averaged for all 2024 model year vehicles, including luxury brands.

Average full-coverage car insurance premium in Mississippi for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Mississippi for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Mississippi Zip Codes.

Average Car Insurance Cost in Mississippi
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,140$345
$500$4,892$408
$250$5,690$474
30$1,000$2,174$181
$500$2,594$216
$250$3,032$253
40$1,000$2,046$171
$500$2,432$203
$250$2,834$236
50$1,000$1,822$152
$500$2,154$180
$250$2,502$209
60$1,000$1,710$143
$500$2,020$168
$250$2,346$196

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Mississippi Zip Codes. Updated June 26, 2025

As shown in the above chart, the average cost of car insurance ranges from $1,710 per year for a high deductible policy for a 60-year-old driver to $5,690 per year for a low deductible policy for a 20-year-old driver.

When those numbers are converted to monthly cost, the average cost of car insurance per month in Mississippi ranges from $143 to $474 for full coverage.

Some additional factors and situations that can affect car insurance quotes in Mississippi include:

  • Increasing policy deductibles from $100 to $1,000 could save $1,136 or more each year.
  • Bundling your car insurance and homeowners insurance with the same company could save an average of $316 per year.
  • Minor driving citations like a speeding ticket could increase the annual cost of auto insurance in Mississippi by $646 for a 40-year-old driver, depending on the company.
  • A DUI or other major conviction could raise rates by $2,260 or more per year.
  • An at-fault accident could cause a rate increase of $1,014 or more each year due to loss of a claim-free discount plus a chargeable claim.

Is car insurance expensive in Mississippi?

When compared to surrounding states, the average cost of car insurance in Mississippi is 9% cheaper than Louisiana, 5% cheaper than Arkansas, 1.7% more expensive than Tennessee, and 5.6% more expensive than Alabama.

When compared to some other noncontiguous Southeast region states, Mississippi auto insurance is 12.4% cheaper than Florida, 6.7% cheaper than Kentucky, 3.3% cheaper than Georgia, and 28.7% more expensive than North Carolina.

The chart below shows the average car insurance cost for all Southeast region states, with Mississippi highlighted in dark blue in seventh place.

Average cost of car insurance in Mississippi compared to other Southeast region states.
Figure 2: Average cost of car insurance in Mississippi compared to other Southeast region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in Mississippi Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,822-$610
Virginia$1,890-$542
South Carolina$2,192-$240
West Virginia$2,288-$144
Alabama$2,300-$132
Tennessee$2,392-$40
Mississippi$2,432--
Georgia$2,514$82
Arkansas$2,556$124
Kentucky$2,600$168
Louisiana$2,660$228
Florida$2,754$322

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Mississippi Zip Codes. Updated June 26, 2025

When compared to states in other parts of the country, the average cost of auto insurance in Mississippi is 12.3% cheaper than New York, 14.8% cheaper than Nevada, 7.2% more expensive than Illinois, 6.8% cheaper than Colorado, and 15.5% cheaper than California.

Here’s an example that uses an actual vehicle (2024Toyota RAV4) and compares the average cost of insurance in Mississippi to some of the states mentioned prior.

Average full-coverage car insurance cost on a new Toyota RAV4 in Mississippi is $2,242 per year. This average rate is:

  • $220 per year more expensive than insuring a RAV4 in South Carolina ($2,022)
  • $76 per year cheaper than in Georgia ($2,318)
  • $120 per year more expensive than in Alabama ($2,122)
  • $300 per year cheaper than in Florida ($2,542)
  • $116 per year cheaper than in Arkansas ($2,358)
  • $498 per year more expensive than in Virginia ($1,744)

Cheapest models to insure by automotive segment

When shopping for a vehicle, it’s useful to know which models have the cheapest car insurance rates for each segment. That way, if affordable insurance is at the top of your priority list, you know which models to shop for.

The list below breaks out the one model in each automotive segment that has the overall cheapest car insurance rates in Mississippi. Each model is linked to a detailed article that analyzes rates at a trim level basis, so you can find out exactly which model and trim has the best rates.

What are the cheapest vehicles to insure in Mississippi?

The models with the lowest cost average insurance quotes in Mississippi tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Toyota Corolla Cross. Average car insurance rates for those models cost $1,960 or less per year, or $163 per month, to get full coverage.

Other vehicles that are highly ranked in our auto insurance cost comparison are the Volkswagen Tiguan, Honda CR-V, Buick Envista, and Honda HR-V. Insurance rates are a few dollars per month higher for those models than the cheapest small SUVs at the top of the rankings, but they still have an average insurance cost of $2,116 or less per year, or about $176 per month.

The table below ranks the 50 cheapest cars, pickups, vans, and SUVs to insure in Mississippi, and breaks down annual and monthly car insurance cost averages for each.

Top 50 Cheapest Car Insurance Rates in Mississippi
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,798$150
2Chevrolet Trailblazer$1,828$152
3Kia Soul$1,900$158
4Nissan Kicks$1,916$160
5Honda Passport$1,938$162
6Buick Envision$1,952$163
7Toyota Corolla Cross$1,960$163
8Hyundai Venue$1,978$165
9Mazda CX-5$1,986$166
10Ford Bronco Sport$1,992$166
11Volkswagen Tiguan$2,016$168
12Acura RDX$2,036$170
13Nissan Murano$2,046$171
14Buick Encore$2,068$172
15Subaru Outback$2,074$173
16Honda CR-V$2,076$173
17Buick Envista$2,078$173
18Volkswagen Taos$2,082$174
19Kia Niro$2,096$175
20Honda HR-V$2,116$176
21Toyota GR Corolla$2,116$176
22Subaru Ascent$2,118$177
23Nissan Leaf$2,128$177
24Chevrolet Colorado$2,144$179
25Honda Civic$2,156$180
26Lexus NX 250$2,156$180
27Volkswagen Atlas$2,158$180
28Acura Integra$2,164$180
29Subaru Forester$2,166$181
30Volkswagen Atlas Cross Sport$2,170$181
31Kia Seltos$2,172$181
32GMC Terrain$2,178$182
33Nissan Rogue$2,184$182
34Hyundai Kona$2,188$182
35Mazda CX-30$2,194$183
36Cadillac XT4$2,198$183
37Volkswagen ID4$2,206$184
38Ford Explorer$2,208$184
39Toyota Highlander$2,212$184
40Ford Escape$2,218$185
41Toyota Venza$2,222$185
42Honda Odyssey$2,224$185
43Nissan Sentra$2,228$186
44Subaru Impreza$2,236$186
45Chevrolet Equinox$2,240$187
46Toyota RAV4$2,242$187
47Mazda MX-5 Miata$2,252$188
48Mazda MX-30$2,258$188
49Hyundai Tucson$2,262$189
50Chevrolet Traverse$2,270$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mississippi Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Mississippi with the Subaru Crosstrek ranking first at $1,798 per year
Top 50 cheapest vehicles to insure in Mississippi with the Subaru Crosstrek ranking first at $1,798 per year

Car insurance rates have as many moving parts as the vehicle you’re insuring. There are an enormous number of factors that determine the rate you pay, like where you live, your age, your marital status, your driving record, and much, much more.

Insurance companies take all these factors and combine them in a formula that attempts to predict the likelihood that you will have an accident or claim. If you’re a safe driver and drive a safe vehicle, you’re going to pay better rates. If you have many prior driving offenses and drive a high-performance car, there is a good chance you will have future claims that require the company to pay. That means you pay more for car insurance.

We’ve talked about “average rates” a lot in this article, and the next five sections go into more detail for five of the more popular vehicles in Mississippi. Each vehicle has a chart that has rates for different scenarios like safe drivers of various ages, a high-risk driver, and a rate if you qualify for many policy discounts.

These charts are intended to provide you with a better understanding of how variable car insurance can be, and also the importance of not relying on an average rate, but to get some actual car insurance quotes in order to remove some of this variability.

Ford F-150 insurance rates

Ford F-150 insurance in Mississippi costs an average of $2,722 per year and ranges from $2,256 to $6,286 per year for the sample driver risk profiles shown in the chart below.

The Ford F-150 is considered a full-size truck, and other popular models include the Nissan Titan, Toyota Tundra, Chevrolet Silverado, GMC Sierra, and Ram Truck.

Average 2024 Ford F150 insurance premiums in Mississippi for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Mississippi for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Mississippi includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Mississippi
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,286$524
Safe Driver Age 20$5,500$458
At-fault Accidents Age 40$3,860$322
Low Deductibles Age 40$3,566$297
Safe Driver Age 30$2,904$242
Safe Driver Age 40$2,722$227
Safe Driver Age 50$2,412$201
High Deductibles Age 40$2,290$191
Safe Driver Age 60$2,256$188
Discount Rate Age 40$2,256$188

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

Toyota Tacoma insurance rates

Toyota Tacoma car insurance rates in Mississippi range from $2,042 to $5,702 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $2,460 per year or $205 per month in Mississippi.

The Toyota Tacoma belongs to the midsize truck segment, and other popular models include the Nissan Frontier, Honda Ridgeline, Jeep Gladiator, Chevrolet Colorado, and GMC Canyon.

Average 2024 Toyota Tacoma insurance premiums in Mississippi for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota Tacoma insurance premiums in Mississippi for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Tacoma with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Tacoma car insurance cost in Mississippi includes all Zip Codes and vehicle trim levels.

2024 Toyota Tacoma Insurance Cost in Mississippi
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,702$475
Safe Driver Age 20$4,984$415
At-fault Accidents Age 40$3,516$293
Low Deductibles Age 40$3,166$264
Safe Driver Age 30$2,620$218
Safe Driver Age 40$2,460$205
Safe Driver Age 50$2,192$183
High Deductibles Age 40$2,098$175
Safe Driver Age 60$2,050$171
Discount Rate Age 40$2,042$170

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Tacoma trim levels. Updated June 27, 2025

Chevrolet Suburban insurance rates

The chart below shows average Chevrolet Suburban insurance rates in Mississippi for different driver ages and risk profiles. Annual cost ranges from $2,004 to $5,528 per year for the example driver risk profiles, with average cost being $2,412 per year.

The Chevrolet Suburban is a large SUV and other similar models include the GMC Yukon, Chevrolet Tahoe, Ford Expedition, Toyota Sequoia, and .

Average 2024 Chevrolet Suburban insurance premiums in Mississippi for different driver ages and risk scenarios.
Figure 5: Average 2024 Chevrolet Suburban insurance premiums in Mississippi for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Suburban with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Suburban car insurance cost in Mississippi includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Suburban Insurance Cost in Mississippi
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,528$461
Safe Driver Age 20$4,830$403
At-fault Accidents Age 40$3,414$285
Low Deductibles Age 40$3,138$262
Safe Driver Age 30$2,572$214
Safe Driver Age 40$2,412$201
Safe Driver Age 50$2,138$178
High Deductibles Age 40$2,034$170
Safe Driver Age 60$2,004$167
Discount Rate Age 40$2,004$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Suburban trim levels. Updated June 27, 2025

Toyota Camry insurance rates

Average Toyota Camry insurance rates in Mississippi as shown in the chart below range from $2,172 to $6,008 per year, with the average cost being $2,616.

The Toyota Camry is considered a midsize car, and other models in this segment include the Honda Accord, Hyundai Sonata, Chevrolet Malibu, Nissan Altima, and Kia K5.

Average 2024 Toyota Camry insurance premiums in Mississippi for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Mississippi for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Mississippi includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Mississippi
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,008$501
Safe Driver Age 20$5,266$439
At-fault Accidents Age 40$3,684$307
Low Deductibles Age 40$3,472$289
Safe Driver Age 30$2,796$233
Safe Driver Age 40$2,616$218
Safe Driver Age 50$2,310$193
High Deductibles Age 40$2,174$181
Discount Rate Age 40$2,172$181
Safe Driver Age 60$2,162$180

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 26, 2025

Ford Mustang insurance rates

The average cost for Ford Mustang insurance in Mississippi is $2,672 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,218 to $6,118 per year.

The Ford Mustang is a sports car and other vehicles in this segment include the Chevrolet Camaro, Chevrolet Corvette, Nissan 370Z, Subaru BRZ, and Toyota Supra.

Average 2024 Ford Mustang insurance premiums in Mississippi for different driver ages and risk scenarios.
Figure 7: Average 2024 Ford Mustang insurance premiums in Mississippi for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Mississippi includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in Mississippi
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,118$510
Safe Driver Age 20$5,346$446
At-fault Accidents Age 40$3,778$315
Low Deductibles Age 40$3,474$290
Safe Driver Age 30$2,848$237
Safe Driver Age 40$2,672$223
Safe Driver Age 50$2,374$198
High Deductibles Age 40$2,256$188
Discount Rate Age 40$2,218$185
Safe Driver Age 60$2,216$185

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 26, 2025

Average rates in select Mississippi cities

Average car insurance rates per year and month are shown below for some of the larger cities in Mississippi. Feel free to visit any page for additional detailed rates including cost comparisons and the vehicles with the cheapest insurance rates in each city.

Concluding car insurance tips and insights

Below you’ll find some additional tips for saving money on your next car insurance policy.

  • It’s expensive to buy high-risk car insurance. For a 40-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations can increase the cost by $2,952 or more per year. So drive safe and save.
  • Your job could reduce your rates. The vast majority of insurance companies offer policy discounts for certain professions like firefighters, dentists, architects, members of the military, doctors, emergency medical technicians, and others. If you work in a qualifying profession, you may save between $73 and $237 on your car insurance premium, depending on the level of coverage purchased.
  • Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Polish up your credit rating for lower rates. Having an excellent credit rating above 800 could save $382 per year when compared to a rating of 670-739. Conversely, a credit rating below 579 could cost around $443 more per year.
  • Qualify for policy discounts to save money. Discounts may be available if the policyholders belong to certain professional organizations, are claim-free, drive low annual mileage, are loyal customers, sign their policy early, or many other policy discounts which could save the average driver as much as $484 per year on the cost of car insurance