Mississippi Car Insurance Cost for 2021

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 $1,352 per year, or around $113 per month, which is 11.2% less than the national average rate of $1,523.

Average Mississippi car insurance quotes for some of the most popular vehicles include the Ram 1500 pickup at an average of $1,470 per year, the Ford Escape at $1,152, the Toyota RAV4 at $1,300, the Nissan Sentra at $1,338, and the Honda Accord at $1,304 per year.

The chart below shows average Mississippi car insurance cost when averaged for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Mississippi zip codes.
Average Car Insurance Cost in Mississippi
Average Car Insurance Cost in Mississippi
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,276$190
$500$2,684$224
$250$3,114$260
30$1,000$1,196$100
$500$1,424$119
$250$1,660$138
40$1,000$1,142$95
$500$1,352$113
$250$1,568$131
50$1,000$1,040$87
$500$1,228$102
$250$1,424$119
60$1,000$1,020$85
$500$1,206$101
$250$1,398$117

As shown in the above chart, the average cost of car insurance ranges from $1,020 per year for a high deductible policy for a 60-year-old driver to $3,114 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 $85 to $260 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 $616 or more each year.
  • Bundling your car insurance and homeowners insurance with the same company could save an average of $176 per year.
  • Minor driving citations like a speeding ticket could increase the annual cost of auto insurance in Mississippi by $356 for a 40-year-old driver, depending on the company.
  • A DUI or other major conviction could raise rates by $1,242 or more per year.
  • An at-fault accident could cause a rate increase of $556 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 39.8% cheaper than Louisiana, 7% cheaper than Arkansas, 7.8% more expensive than Tennessee, and 6.3% more expensive than Alabama.

When compared to some other noncontiguous Southeast region states, Mississippi auto insurance is 33.9% cheaper than Florida, 21.2% cheaper than Kentucky, 13.7% cheaper than Georgia, and 31% 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.

Get Rates in Your AreaWhy is this important?

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
Virginia$974-$378
North Carolina$1,032-$320
Tennessee$1,254-$98
Alabama$1,272-$80
West Virginia$1,346-$6
Mississippi$1,352--
South Carolina$1,406$54
Arkansas$1,454$102
Georgia$1,566$214
Kentucky$1,716$364
Florida$2,046$694
Louisiana$2,244$892

When compared to states in other parts of the country, the average cost of auto insurance in Mississippi is 19.6% cheaper than New York, 20.4% cheaper than Nevada, 25.4% more expensive than Illinois, 16.5% cheaper than Colorado, and 19.3% cheaper than California.

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

Average car insurance cost on a 2021 Toyota RAV4 in Mississippi is $1,300 per year. This average rate is:

  • $54 per year cheaper than insuring a RAV4 in South Carolina ($1,354)
  • $204 per year cheaper than in Georgia ($1,504)
  • $76 per year more expensive than in Alabama ($1,224)
  • $670 per year cheaper than in Florida ($1,970)
  • $100 per year cheaper than in Arkansas ($1,400)
  • $360 per year more expensive than in Virginia ($940)

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?

If finding the best car insurance rates in Mississippi is your goal, then you’ll want to look at the Subaru Forester, Honda CR-V, Mazda CX-3, and Toyota C-HR. Those four compact SUVs have the best overall rates in the state.

We talked about the cheapest vehicles to insure for each segment in the previous section, but many of those models do not even make the list of the top 50 cheapest vehicles to insure.

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
1Subaru Forester$1,006$84
2Honda CR-V$1,018$85
3Ram Promaster City$1,054$88
4Mazda CX-3$1,062$89
5Toyota C-HR$1,068$89
6Kia Sportage$1,070$89
7Ford Edge$1,072$89
8Volkswagen Golf$1,080$90
9Mazda CX-5$1,090$91
10Subaru Crosstrek$1,100$92
11Chevrolet Spark$1,112$93
12Volvo XC40$1,116$93
13Hyundai Venue$1,122$94
14Volkswagen Atlas$1,132$94
15Hyundai Kona$1,134$95
16Kia Soul$1,136$95
17Subaru Impreza$1,136$95
18Toyota Tacoma$1,136$95
19Kia Telluride$1,142$95
20Chevrolet Blazer$1,144$95
21Subaru Outback$1,144$95
22Jeep Compass$1,146$96
23Mazda CX-30$1,146$96
24Kia Sedona$1,148$96
25Chevrolet Colorado$1,150$96
26Honda Passport$1,150$96
27Kia Rio5$1,150$96
28Nissan Kicks$1,150$96
29Ford Escape$1,152$96
30Hyundai Tucson$1,154$96
31Mitsubishi Eclipse Cross$1,154$96
32Subaru Ascent$1,154$96
33Nissan Frontier$1,162$97
34Volkswagen Tiguan$1,164$97
35Acura RDX$1,168$97
36Honda Pilot$1,170$98
37Toyota Corolla$1,170$98
38Ford Ecosport$1,172$98
39Buick Envision$1,182$99
40Kia Seltos$1,184$99
41Nissan Rogue Sport$1,190$99
42Chevrolet Trax$1,198$100
43Chevrolet Trailblazer$1,200$100
44Cadillac XT4$1,206$101
45Buick Encore$1,208$101
46Chevrolet Express$1,214$101
47Nissan Rogue$1,214$101
48Jeep Renegade$1,216$101
49Chevrolet Equinox$1,218$102
50Nissan Murano$1,218$102

    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.
    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 $1,290 per year and ranges from $1,070 to $2,924 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 2021 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.
    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$2,924$244
    Safe Driver Age 20$2,562$214
    At-fault Accidents Age 40$1,822$152
    Low Deductibles Age 40$1,668$139
    Safe Driver Age 30$1,354$113
    Safe Driver Age 40$1,290$108
    Safe Driver Age 50$1,172$98
    Safe Driver Age 60$1,152$96
    High Deductibles Age 40$1,096$91
    Discount Rate Age 40$1,070$89

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Mississippi range from $946 to $2,570 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,136 per year or $95 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 2021 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.
    Toyota Tacoma Insurance Cost in Mississippi
    Toyota Tacoma Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,570$214
    Safe Driver Age 20$2,254$188
    At-fault Accidents Age 40$1,596$133
    Low Deductibles Age 40$1,490$124
    Safe Driver Age 30$1,204$100
    Safe Driver Age 40$1,136$95
    Safe Driver Age 50$1,036$86
    Safe Driver Age 60$1,018$85
    High Deductibles Age 40$954$80
    Discount Rate Age 40$946$79

    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 $1,218 to $3,336 per year for the example driver risk profiles, with average cost being $1,468 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 2021 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.
    Chevrolet Suburban Insurance Cost in Mississippi
    Chevrolet Suburban Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,336$278
    Safe Driver Age 20$2,924$244
    At-fault Accidents Age 40$2,080$173
    Low Deductibles Age 40$1,890$158
    Safe Driver Age 30$1,540$128
    Safe Driver Age 40$1,468$122
    Safe Driver Age 50$1,336$111
    Safe Driver Age 60$1,312$109
    High Deductibles Age 40$1,252$104
    Discount Rate Age 40$1,218$102

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Mississippi as shown in the chart below range from $1,124 to $3,064 per year, with the average cost being $1,352.

    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 2021 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.
    Toyota Camry Insurance Cost in Mississippi
    Toyota Camry Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,064$255
    Safe Driver Age 20$2,686$224
    At-fault Accidents Age 40$1,904$159
    Low Deductibles Age 40$1,768$147
    Safe Driver Age 30$1,426$119
    Safe Driver Age 40$1,352$113
    Safe Driver Age 50$1,230$103
    Safe Driver Age 60$1,208$101
    High Deductibles Age 40$1,138$95
    Discount Rate Age 40$1,124$94

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Mississippi is $1,512 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,256 to $3,432 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 2021 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.
    Ford Mustang Insurance Cost in Mississippi
    Ford Mustang Insurance Cost in Mississippi
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,432$286
    Safe Driver Age 20$3,008$251
    At-fault Accidents Age 40$2,126$177
    Low Deductibles Age 40$2,000$167
    Safe Driver Age 30$1,600$133
    Safe Driver Age 40$1,512$126
    Safe Driver Age 50$1,376$115
    Safe Driver Age 60$1,352$113
    High Deductibles Age 40$1,264$105
    Discount Rate Age 40$1,256$105

    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 $1,624 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 $41 and $130 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 $236 per year for a 40-year-old driver and $458 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 $212 per year when compared to a rating of 670-739. Conversely, a credit rating below 579 could cost around $246 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 $92 per year on the cost of car insurance