Mississippi Car Insurance Cost for 2023

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 $1,722 per year, or around $144 per month, which is 2.2% more than the national average rate of $1,685.

Average Mississippi car insurance quotes for some of the most popular vehicles include the Ram 1500 pickup at an average of $1,882 per year, the Ford Escape at $1,578, the Toyota RAV4 at $1,594, the Nissan Sentra at $1,594, and the Honda Accord at $1,738 per year.

The chart below shows average Mississippi car insurance cost when averaged for all 2023 model year vehicles, including luxury brands.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Mississippi car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Mississippi zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Mississippi
Average Car Insurance Cost in Mississippi
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,902$242
$500$3,426$286
$250$3,980$332
30$1,000$1,522$127
$500$1,816$151
$250$2,120$177
40$1,000$1,454$121
$500$1,722$144
$250$2,002$167
50$1,000$1,326$111
$500$1,566$131
$250$1,818$152
60$1,000$1,304$109
$500$1,540$128
$250$1,788$149

As shown in the above chart, the average cost of car insurance ranges from $1,304 per year for a high deductible policy for a 60-year-old driver to $3,980 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 $109 to $332 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 $792 or more each year.
  • Bundling your car insurance and homeowners insurance with the same company could save an average of $222 per year.
  • Minor driving citations like a speeding ticket could increase the annual cost of auto insurance in Mississippi by $452 for a 40-year-old driver, depending on the company.
  • A DUI or other major conviction could raise rates by $1,580 or more per year.
  • An at-fault accident could cause a rate increase of $704 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 18% cheaper than Louisiana, 6.7% cheaper than Arkansas, 2.6% more expensive than Tennessee, and 0% cheaper than Alabama.

When compared to some other noncontiguous Southeast region states, Mississippi auto insurance is 21.6% cheaper than Florida, 8.8% cheaper than Kentucky, 4.4% cheaper than Georgia, and 56.5% 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.

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Mississippi Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Mississippi Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$1,100-$622
Virginia$1,174-$548
South Carolina$1,480-$242
West Virginia$1,572-$150
Alabama$1,586-$136
Tennessee$1,678-$44
Mississippi$1,722--
Georgia$1,802$80
Arkansas$1,846$124
Kentucky$1,888$166
Louisiana$2,100$378
Florida$2,196$474

When compared to states in other parts of the country, the average cost of auto insurance in Mississippi is 15.7% cheaper than New York, 18.4% cheaper than Nevada, 11.4% more expensive than Illinois, 9% cheaper than Colorado, and 19.3% cheaper than California.

Here’s an example that uses an actual vehicle (2023Toyota 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 $1,594 per year. This average rate is:

  • $224 per year more expensive than insuring a RAV4 in South Carolina ($1,370)
  • $74 per year cheaper than in Georgia ($1,668)
  • $124 per year more expensive than in Alabama ($1,470)
  • $442 per year cheaper than in Florida ($2,036)
  • $114 per year cheaper than in Arkansas ($1,708)
  • $510 per year more expensive than in Virginia ($1,084)

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 Nissan Kicks, Chevrolet Trailblazer, and Buick Encore. Average car insurance rates for those models cost $1,372 or less per year, or $114 per month, to get full coverage.

Other vehicles that are highly ranked in our auto insurance cost comparison are the Hyundai Venue, Chevrolet Colorado, Hyundai Kona, and Honda CR-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 $1,458 or less per year, or about $122 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,302$109
2Subaru Crosstrek$1,314$110
3Nissan Kicks$1,320$110
4Honda Passport$1,338$112
5Nissan Rogue Sport$1,342$112
6Mazda CX-5$1,352$113
7Buick Encore$1,372$114
8Buick Envision$1,376$115
9Kia Seltos$1,394$116
10Subaru Ascent$1,398$117
11Hyundai Venue$1,404$117
12Subaru Impreza$1,426$119
13Ford Maverick$1,428$119
14Honda HR-V$1,430$119
15Chevrolet Colorado$1,432$119
16Acura RDX$1,438$120
17Hyundai Kona$1,442$120
18Subaru Forester$1,452$121
19Honda CR-V$1,458$122
20Ford Edge$1,460$122
21Mazda CX-30$1,464$122
22Ford Explorer$1,466$122
23Volkswagen Atlas$1,470$123
24Chevrolet Trax$1,476$123
25Nissan Murano$1,478$123
26Subaru Outback$1,482$124
27Nissan Frontier$1,486$124
28Volkswagen Tiguan$1,496$125
29Ford Bronco Sport$1,498$125
30Fiat 500X$1,526$127
31Ford Ranger$1,528$127
32GMC Terrain$1,528$127
33Kia Soul$1,530$128
34Mitsubishi Eclipse Cross$1,532$128
35Volkswagen Atlas Cross Sport$1,536$128
36Lexus RX 350$1,542$129
37Acura Integra$1,546$129
38Chevrolet Equinox$1,548$129
39Cadillac XT4$1,552$129
40Toyota Corolla Cross$1,554$130
41Volkswagen Taos$1,558$130
42GMC Canyon$1,564$130
43Toyota Venza$1,568$131
44Mazda CX-50$1,570$131
45Volkswagen Jetta$1,570$131
46Honda Odyssey$1,572$131
47Toyota Tacoma$1,572$131
48Hyundai Tucson$1,574$131
49Ford Escape$1,578$132
50Kia Sorento$1,578$132

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Mississippi.Data last updated on December 29, 2022
    Top 50 Cheapest Car Insurance Rates in Mississippi

    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 $1,748 per year and ranges from $1,452 to $3,942 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 29, 2022
    Ford F-150 Insurance Cost in Mississippi
    Ford F150 Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,942$329
    Safe Driver Age 20$3,456$288
    At-fault Accidents Age 40$2,456$205
    Low Deductibles Age 40$2,276$190
    Safe Driver Age 30$1,842$154
    Safe Driver Age 40$1,748$146
    Safe Driver Age 50$1,590$133
    Safe Driver Age 60$1,560$130
    High Deductibles Age 40$1,476$123
    Discount Rate Age 40$1,452$121

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Mississippi range from $1,308 to $3,564 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,572 per year or $131 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Toyota Tacoma Insurance Cost in Mississippi
    Toyota Tacoma Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,564$297
    Safe Driver Age 20$3,124$260
    At-fault Accidents Age 40$2,218$185
    Low Deductibles Age 40$2,038$170
    Safe Driver Age 30$1,654$138
    Safe Driver Age 40$1,572$131
    Safe Driver Age 50$1,434$120
    Safe Driver Age 60$1,408$117
    High Deductibles Age 40$1,330$111
    Discount Rate Age 40$1,308$109

    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 $1,416 to $3,858 per year for the example driver risk profiles, with average cost being $1,704 per year.

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

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Chevrolet Suburban Insurance Cost in Mississippi
    Chevrolet Suburban Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,858$322
    Safe Driver Age 20$3,380$282
    At-fault Accidents Age 40$2,404$200
    Low Deductibles Age 40$2,212$184
    Safe Driver Age 30$1,796$150
    Safe Driver Age 40$1,704$142
    Safe Driver Age 50$1,552$129
    Safe Driver Age 60$1,524$127
    High Deductibles Age 40$1,444$120
    Discount Rate Age 40$1,416$118

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Mississippi as shown in the chart below range from $1,358 to $3,706 per year, with the average cost being $1,636.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Toyota Camry Insurance Cost in Mississippi
    Toyota Camry Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,706$309
    Safe Driver Age 20$3,250$271
    At-fault Accidents Age 40$2,302$192
    Low Deductibles Age 40$2,138$178
    Safe Driver Age 30$1,726$144
    Safe Driver Age 40$1,636$136
    Safe Driver Age 50$1,490$124
    Safe Driver Age 60$1,464$122
    High Deductibles Age 40$1,376$115
    Discount Rate Age 40$1,358$113

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Mississippi is $1,866 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,550 to $4,206 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 30, 2022
    Ford Mustang Insurance Cost in Mississippi
    Ford Mustang Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,206$351
    Safe Driver Age 20$3,686$307
    At-fault Accidents Age 40$2,626$219
    Low Deductibles Age 40$2,414$201
    Safe Driver Age 30$1,962$164
    Safe Driver Age 40$1,866$156
    Safe Driver Age 50$1,696$141
    Safe Driver Age 60$1,662$139
    High Deductibles Age 40$1,580$132
    Discount Rate Age 40$1,550$129

    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 $2,068 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 $52 and $174 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 $276 per year for a 40-year-old driver and $538 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 $270 per year when compared to a rating of 670-739. Conversely, a credit rating below 579 could cost around $313 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 $256 per year on the cost of car insurance