- Average car insurance cost in Mississippi is $1,760 per year, or around $147 per month.
- Mississippi ranks seventh out of 12 Southeast region states for car insurance affordability and ranks 31st out of all 50 U.S. states.
- The cheapest car insurance in Mississippi tends to be found on compact SUVs like the Chevrolet Trailblazer, Nissan Rogue Sport, and Mazda CX-5.
What is average car insurance cost in Mississippi?
The average cost to insure a car in Mississippi is $1,760 per year, or around $147 per month, which is 1.8% more than the national average rate of $1,728.
Average Mississippi car insurance quotes for some of the most popular vehicles include the Ram 1500 pickup at an average of $1,922 per year, the Ford Escape at $1,612, the Toyota RAV4 at $1,632, the Nissan Sentra at $1,630, and the Honda Accord at $1,778 per year.
The chart below shows average Mississippi car insurance cost when averaged for all 2023 model year vehicles, including luxury brands.
As shown in the above chart, the average cost of car insurance ranges from $1,328 per year for a high deductible policy for a 60-year-old driver to $4,066 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 $111 to $339 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 $808 or more each year.
- Bundling your car insurance and homeowners insurance with the same company could save an average of $228 per year.
- Minor driving citations like a speeding ticket could increase the annual cost of auto insurance in Mississippi by $462 for a 40-year-old driver, depending on the company.
- A DUI or other major conviction could raise rates by $1,618 or more per year.
- An at-fault accident could cause a rate increase of $722 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 19.2% cheaper than Louisiana, 6.9% cheaper than Arkansas, 2.4% more expensive than Tennessee, and 7.8% more expensive than Alabama.
When compared to some other noncontiguous Southeast region states, Mississippi auto insurance is 23.4% cheaper than Florida, 9.1% cheaper than Kentucky, 4.4% cheaper than Georgia, and 42.6% 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.
When compared to states in other parts of the country, the average cost of auto insurance in Mississippi is 16.9% cheaper than New York, 19.9% cheaper than Nevada, 10.4% more expensive than Illinois, 9.2% cheaper than Colorado, and 21% 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 $1,632 per year. This average rate is:
- $230 per year more expensive than insuring a RAV4 in South Carolina ($1,402)
- $74 per year cheaper than in Georgia ($1,706)
- $128 per year more expensive than in Alabama ($1,504)
- $432 per year cheaper than in Florida ($2,064)
- $116 per year cheaper than in Arkansas ($1,748)
- $510 per year more expensive than in Virginia ($1,122)
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.
- Compact car – Subaru Impreza insurance at $1,456 per year or $121 per month
- Compact SUV – Chevrolet Trailblazer insurance at $1,334 per year or $111 per month
- Midsize car – Subaru Legacy insurance at $1,620 per year or $135 per month
- Midsize SUV – Honda Passport insurance at $1,366 per year or $114 per month
- Full-size car – Chrysler 300 insurance at $1,716 per year or $143 per month
- Full-size SUV – Chevrolet Tahoe insurance at $1,650 per year or $138 per month
- Midsize pickup – Ford Maverick insurance at $1,458 per year or $122 per month
- Full-size pickup – Nissan Titan insurance at $1,740 per year or $145 per month
- Heavy duty pickup – GMC Sierra 2500 HD insurance at $1,800 per year or $150 per month
- Minivan – Honda Odyssey insurance at $1,608 per year or $134 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,628 per year or $136 per month
- Compact luxury car insurance – Acura Integra insurance at $1,580 per year or $132 per month
- Compact luxury SUV – Acura RDX insurance at $1,468 per year or $122 per month
- Midsize luxury car – Cadillac CT5 insurance at $1,892 per year or $158 per month
- Midsize luxury SUV – Lexus RX 350 insurance at $1,576 per year or $131 per month
- Full-size luxury car – Audi A5 insurance at $1,974 per year or $165 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,814 per year or $151 per month
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 $1,402 or less per year, or $117 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 $1,494 or less per year, or about $125 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.
Mississippi car insurance rates for popular vehicles
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 $1,788 per year and ranges from $1,486 to $4,032 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.
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Mississippi range from $1,336 to $3,644 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,606 per year or $134 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.
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 $1,446 to $3,944 per year for the example driver risk profiles, with average cost being $1,744 per year.
The Chevrolet Suburban is a large SUV and other similar models include the GMC Yukon, Chevrolet Tahoe, Ford Expedition, Toyota Sequoia, and .
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Mississippi as shown in the chart below range from $1,390 to $3,790 per year, with the average cost being $1,672.
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.
Ford Mustang insurance rates
The average cost for Ford Mustang insurance in Mississippi is $1,908 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,584 to $4,300 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 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.
- Jackson Car Insurance - $1,912 per year or $159 per month
- Gulfport Car Insurance - $1,838 per year or $153 per month
- Southaven Car Insurance - $1,756 per year or $146 per month
- Hattiesburg Car Insurance - $1,702 per year or $142 per month
- Biloxi Car Insurance - $1,822 per year or $152 per month
- Meridian Car Insurance - $1,706 per year or $142 per month
- Tupelo Car Insurance - $1,574 per year or $131 per month
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 $2,118 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 $53 and $178 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 $284 per year for a 40-year-old driver and $552 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 $276 per year when compared to a rating of 670-739. Conversely, a credit rating below 579 could cost around $320 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
