Mississippi Car Insurance Cost for 2022

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

Start QuoteCompare Mississippi car insurance rates and save on your next policy.

What is average car insurance cost in Mississippi?

The average cost to insure a car in Mississippi is $1,438 per year, or around $120 per month, which is 7.3% less than the national average rate of $1,551.

Average Mississippi car insurance quotes for some of the most popular vehicles include the Ram 1500 pickup at an average of $1,642 per year, the Ford Escape at $1,414, the Toyota RAV4 at $1,360, the Nissan Sentra at $1,402, and the Honda Accord at $1,504 per year.

The chart below shows average Mississippi car insurance cost when averaged for all 2022 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 2022 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 May 19, 2022
Average Car Insurance Cost in Mississippi
Average Car Insurance Cost in Mississippi
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,424$202
$500$2,856$238
$250$3,310$276
30$1,000$1,272$106
$500$1,516$126
$250$1,766$147
40$1,000$1,216$101
$500$1,438$120
$250$1,670$139
50$1,000$1,110$93
$500$1,308$109
$250$1,516$126
60$1,000$1,090$91
$500$1,284$107
$250$1,488$124

As shown in the above chart, the average cost of car insurance ranges from $1,090 per year for a high deductible policy for a 60-year-old driver to $3,310 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 $91 to $276 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 $652 or more each year.
  • Bundling your car insurance and homeowners insurance with the same company could save an average of $184 per year.
  • Minor driving citations like a speeding ticket could increase the annual cost of auto insurance in Mississippi by $378 for a 40-year-old driver, depending on the company.
  • A DUI or other major conviction could raise rates by $1,318 or more per year.
  • An at-fault accident could cause a rate increase of $592 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 34.8% cheaper than Louisiana, 11.8% cheaper than Arkansas, 19.2% more expensive than Tennessee, and 16% more expensive than Alabama.

When compared to some other noncontiguous Southeast region states, Mississippi auto insurance is 35.5% cheaper than Florida, 18.8% cheaper than Kentucky, 2.3% cheaper than Georgia, and 48.9% 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
North Carolina$966-$472
Virginia$982-$456
Tennessee$1,206-$232
Alabama$1,240-$198
West Virginia$1,370-$68
South Carolina$1,404-$34
Mississippi$1,438--
Georgia$1,472$34
Arkansas$1,630$192
Kentucky$1,772$334
Louisiana$2,206$768
Florida$2,228$790

When compared to states in other parts of the country, the average cost of auto insurance in Mississippi is 11.2% cheaper than New York, 14% cheaper than Nevada, 16.7% more expensive than Illinois, 11.6% cheaper than Colorado, and 17.6% 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 2022 Toyota RAV4 in Mississippi is $1,360 per year. This average rate is:

  • $36 per year cheaper than insuring a RAV4 in South Carolina ($1,324)
  • $30 per year cheaper than in Georgia ($1,390)
  • $186 per year more expensive than in Alabama ($1,174)
  • $742 per year cheaper than in Florida ($2,102)
  • $180 per year cheaper than in Arkansas ($1,540)
  • $432 per year more expensive than in Virginia ($928)

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 Chevrolet Trailblazer, Mazda CX-5, and Buick Encore. Average car insurance rates for those models cost $1,188 or less per year, or $99 per month, to get full coverage.

Other vehicles that are highly ranked in our auto insurance cost comparison are the Buick Envision, Toyota Corolla Cross, Hyundai Kona, and Mazda MX-5 Miata. 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 $1,248 or less per year, or about $104 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
1Mazda CX-5$1,094$91
2Nissan Kicks$1,122$94
3Chevrolet Trailblazer$1,130$94
4Honda Passport$1,156$96
5Subaru Crosstrek$1,156$96
6Chevrolet Colorado$1,186$99
7Buick Encore$1,188$99
8Toyota C-HR$1,190$99
9Nissan Rogue Sport$1,200$100
10Hyundai Venue$1,220$102
11Buick Envision$1,224$102
12Kia Seltos$1,226$102
13Ford Maverick$1,228$102
14Acura RDX$1,234$103
15Subaru Ascent$1,234$103
16Toyota Corolla Cross$1,236$103
17Subaru Forester$1,244$104
18Hyundai Kona$1,248$104
19Mazda MX-5 Miata$1,248$104
20Subaru Impreza$1,248$104
21Volkswagen Tiguan$1,250$104
22Chevrolet Spark$1,254$105
23Honda CR-V$1,260$105
24Cadillac XT4$1,266$106
25Mazda CX-30$1,274$106
26Ford Ranger$1,278$107
27Honda HR-V$1,292$108
28Ford Edge$1,296$108
29Ford Ecosport$1,304$109
30Chevrolet Trax$1,320$110
31Subaru Outback$1,320$110
32Acura ILX$1,326$111
33GMC Terrain$1,326$111
34Mitsubishi Eclipse Cross$1,328$111
35Hyundai Tucson$1,336$111
36Toyota Tacoma$1,336$111
37Nissan Murano$1,338$112
38Honda Odyssey$1,342$112
39Chevrolet Bolt$1,344$112
40Chevrolet Equinox$1,344$112
41Toyota Venza$1,346$112
42Volkswagen Taos$1,348$112
43Fiat 500X$1,354$113
44Ford Explorer$1,354$113
45Kia Soul$1,360$113
46Toyota RAV4$1,360$113
47Kia Sorento$1,362$114
48Nissan Frontier$1,368$114
49GMC Canyon$1,378$115
50Hyundai Palisade$1,382$115

    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 March 24, 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 $1,390 per year and ranges from $1,156 to $3,144 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 2022 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 May 19, 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$3,144$262
    Safe Driver Age 20$2,756$230
    At-fault Accidents Age 40$1,960$163
    Low Deductibles Age 40$1,796$150
    Safe Driver Age 30$1,462$122
    Safe Driver Age 40$1,390$116
    Safe Driver Age 50$1,266$106
    Safe Driver Age 60$1,242$104
    High Deductibles Age 40$1,182$99
    Discount Rate Age 40$1,156$96

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Mississippi range from $1,108 to $3,040 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,336 per year or $111 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 2022 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 May 19, 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$3,040$253
    Safe Driver Age 20$2,660$222
    At-fault Accidents Age 40$1,880$157
    Low Deductibles Age 40$1,756$146
    Safe Driver Age 30$1,412$118
    Safe Driver Age 40$1,336$111
    Safe Driver Age 50$1,218$102
    Safe Driver Age 60$1,198$100
    High Deductibles Age 40$1,118$93
    Discount Rate Age 40$1,108$92

    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 $1,236 to $3,370 per year for the example driver risk profiles, with average cost being $1,490 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 2022 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 May 19, 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$3,370$281
    Safe Driver Age 20$2,954$246
    At-fault Accidents Age 40$2,096$175
    Low Deductibles Age 40$1,932$161
    Safe Driver Age 30$1,566$131
    Safe Driver Age 40$1,490$124
    Safe Driver Age 50$1,358$113
    Safe Driver Age 60$1,328$111
    High Deductibles Age 40$1,260$105
    Discount Rate Age 40$1,236$103

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Mississippi as shown in the chart below range from $1,176 to $3,204 per year, with the average cost being $1,416.

    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 2022 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 May 19, 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$3,204$267
    Safe Driver Age 20$2,804$234
    At-fault Accidents Age 40$1,990$166
    Low Deductibles Age 40$1,852$154
    Safe Driver Age 30$1,492$124
    Safe Driver Age 40$1,416$118
    Safe Driver Age 50$1,286$107
    Safe Driver Age 60$1,264$105
    High Deductibles Age 40$1,192$99
    Discount Rate Age 40$1,176$98

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Mississippi is $1,516 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,262 to $3,408 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 2022 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 May 19, 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$3,408$284
    Safe Driver Age 20$2,990$249
    At-fault Accidents Age 40$2,122$177
    Low Deductibles Age 40$1,988$166
    Safe Driver Age 30$1,602$134
    Safe Driver Age 40$1,516$126
    Safe Driver Age 50$1,378$115
    Safe Driver Age 60$1,350$113
    High Deductibles Age 40$1,270$106
    Discount Rate Age 40$1,262$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 $1,724 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 $43 and $150 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 $232 per year for a 40-year-old driver and $452 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 $226 per year when compared to a rating of 670-739. Conversely, a credit rating below 579 could cost around $262 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 $180 per year on the cost of car insurance