Cost of Car Insurance in Biloxi, MS – Cheapest Quotes + Rankings (2025)

How much does car insurance cost in Biloxi, Mississippi? We compare and rank nearly 200 cars, SUVs, and pickups to see which models have the cheapest car insurance quotes.

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  • The average cost of car insurance in Biloxi is 11.7% more than the national average rate of $2,221.
  • Biloxi auto insurance costs $64 per year more than the Mississippi state average and $275 per year more than the U.S. national average rate.
  • Car insurance rates for a few popular vehicles in Biloxi include the GMC Sierra at $2,754 per year, Toyota RAV4 at $2,302, and Ford F150 at $2,790.
  • For cheap car insurance in Biloxi, crossover vehicles like the Nissan Kicks, Kia Soul, Ford Bronco Sport, and Buick Encore have the best rates.
  • Auto insurance quotes in Biloxi can range significantly from as low as $28 per month for just liability insurance to over $684 per month for high-risk drivers.

How much is car insurance in Biloxi, Mississippi?

Average car insurance rates in Biloxi, Mississippi, cost $2,496 per year, or around $208 per month. That’s 11.7% more expensive than the overall overall U.S. national average rate of $2,221 per year.

The average car insurance expense in Mississippi is $2,432 per year, so Biloxi drivers pay an average of $64 more per year than the overall Mississippi state-wide average rate. The cost of insurance in Biloxi compared to other Mississippi locations is about $16 per year cheaper than in Gulfport, $88 per year cheaper than in Jackson, and $120 per year more expensive than in Hattiesburg.

The age of the rated driver is the factor that has the most impact on the cost of auto insurance, so the list below illustrates this by breaking out average car insurance rates in Biloxi based on the age of the driver.

Biloxi, MS, car insurance cost by driver age

  • 16-year-old driver – $8,882 per year or $740 per month
  • 17-year-old driver – $8,605 per year or $717 per month
  • 18-year-old driver – $7,712 per year or $643 per month
  • 19-year-old driver – $7,022 per year or $585 per month
  • 20-year-old driver – $5,018 per year or $418 per month
  • 30-year-old driver – $2,662 per year or $222 per month
  • 40-year-old driver – $2,496 per year or $208 per month
  • 50-year-old driver – $2,210 per year or $184 per month
  • 60-year-old driver – $2,070 per year or $173 per month

The next chart summarizes car insurance cost in Biloxi, MS, for different common policy situations. Rates are averaged for all Biloxi Zip Codes and shown based on a range of driver ages and common risk profiles.

Average car insurance rates in Biloxi for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Biloxi for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year 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 car insurance cost in Biloxi includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Biloxi, MS
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,734$478
Safe Driver Age 20$5,018$418
At-fault Accidents Age 40$3,532$294
Low Deductibles Age 40$3,264$272
Safe Driver Age 30$2,662$222
Safe Driver Age 40$2,496$208
Safe Driver Age 50$2,210$184
High Deductibles Age 40$2,100$175
Discount Rate Age 40$2,074$173
Safe Driver Age 60$2,070$173

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. Updated June 26, 2025

Average car insurance rates in the chart above range from $2,074 per year for a 40-year-old driver with a great rate thanks to policy discounts to $5,734 per year for a 30-year-old driver with a history of violations and/or at-fault accidents.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Biloxi ranges from $173 to $478.

Car insurance rates can be extremely variable and can also be significantly different between companies. Since the chances of having many different rates is high, this emphasizes the need for accurate auto insurance quotes when shopping for the cheapest Biloxi car insurance.

The previously discussed car insurance rates take all 2024 vehicle models and average them, which is handy when making general comparisons like the cost difference between two locations.

Average auto insurance rates are excellent when answering questions like “is car insurance in Biloxi cheaper than Southaven?” or “is car insurance in Mississippi cheaper than New York?”.

But for more in-depth price comparisons, it makes better sense to use rates for the specific model of vehicle being insured. Every car, truck, SUV and minivan has a different profile for determining the cost of auto insurance and this data provides the means to perform detailed insurance cost comparisons.

The following chart details average car insurance rates for a handful of the more popular vehicles insured in Biloxi. Later, there is a section that examines additional factors that affect the cost of insuring some of these vehicles even more in-depth.

Average cost to insure popular 2024 model year vehicles in Biloxi.
Figure 2: Average cost to insure popular 2024 model year vehicles in Biloxi. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Biloxi Zip Codes.

Biloxi, MS, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,842$154
Honda CR-V$2,126$177
Honda HR-V$2,170$181
Honda Civic$2,208$184
Nissan Rogue$2,240$187
Ford Explorer$2,262$189
Toyota Highlander$2,268$189
Chevrolet Equinox$2,298$192
Toyota RAV4$2,302$192
Hyundai Tucson$2,318$193
Chevrolet Traverse$2,326$194
Jeep Grand Cherokee$2,494$208
Hyundai Santa Fe$2,536$211
Toyota Camry$2,680$223
Hyundai Elantra$2,710$226
Chevrolet Silverado$2,758$230
Ford F150$2,790$233
Ram Truck$2,882$240
Chevrolet Corvette$3,452$288

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 for the 2024 model year and also for all Biloxi, MS Zip Codes. Updated June 27, 2025

Vehicles that are popular in Biloxi tend to be small or midsize sedans like the Honda Civic and Honda Accord and compact or midsize SUVs like the Ford Escape, Nissan Rogue, and Toyota Highlander.

Some additional popular models in Biloxi from other segments include luxury models like the Infiniti Q50, Acura MDX, and Infiniti QX60 and sports cars like the Chevy Corvette, Audi TT, and Nissan GT-R.

We explore auto insurance rates for many more models later in this article, but before we delve that deep, let’s revisit the key concepts that we covered in the earlier charts and data.

  • Teenage girls pay cheaper rates than teenage males – Female drivers age 16 to 19 pay $1,082 to $583 less per year than male drivers of the same age.
  • Car insurance rates decline a lot in your twenties – The average 30-year-old Biloxi driver will pay $2,356 less each year than a 20-year-old driver, $2,662 versus $5,018.
  • Insuring teens can be very expensive – Average cost ranges from $5,940 to $8,882 per year to insure a teenager in Biloxi.
  • Car insurance costs less the older you are – Insurance rates for a 50-year-old driver in Biloxi are $2,808 per year cheaper than for a 20-year-old driver.
  • Biloxi car insurance prices are more expensive than the Mississippi state average – $2,496 (Biloxi average) versus $2,432 (Mississippi average)
  • Average cost per month ranges from $173 to $740 – That is the average car insurance price range for drivers from age 16 to 60 in Biloxi.

Which vehicles have cheap insurance in Biloxi?

When comparing rates for all cars, SUVs, and pickups, the models with the cheapest auto insurance quotes in Biloxi tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Hyundai Venue.

Average auto insurance rates for those crossover SUVs cost $2,024 or less per year ($169 per month) to have full coverage.

Some other vehicles that rank well in our car insurance cost comparison are the Buick Encore, Honda HR-V, Volkswagen Taos, and Ford Bronco Sport.

Average auto insurance rates are somewhat higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $2,170 or less per year, or about $181 per month.

The next table ranks the vehicles with the cheapest overall insurance rates in Biloxi, sorted by average cost.

Top 30 Cheapest Automobiles to Insure in Biloxi
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,842$154
2Chevrolet Trailblazer$1,874$156
3Kia Soul$1,946$162
4Nissan Kicks$1,962$164
5Honda Passport$1,986$166
6Buick Envision$1,998$167
7Toyota Corolla Cross$2,012$168
8Hyundai Venue$2,024$169
9Mazda CX-5$2,036$170
10Ford Bronco Sport$2,042$170
11Volkswagen Tiguan$2,064$172
12Acura RDX$2,086$174
13Nissan Murano$2,096$175
14Buick Encore$2,116$176
15Subaru Outback$2,124$177
16Honda CR-V$2,126$177
17Buick Envista$2,132$178
18Volkswagen Taos$2,138$178
19Kia Niro$2,146$179
20Toyota GR Corolla$2,166$181
21Honda HR-V$2,170$181
22Subaru Ascent$2,172$181
23Nissan Leaf$2,184$182
24Chevrolet Colorado$2,200$183
25Honda Civic$2,208$184
26Lexus NX 250$2,208$184
27Volkswagen Atlas$2,212$184
28Acura Integra$2,216$185
29Subaru Forester$2,220$185
30Volkswagen Atlas Cross Sport$2,222$185

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 Biloxi, MS Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Biloxi, MS with the Subaru Crosstrek ranking first at $1,842 per year
Top 30 cheapest vehicles to insure in Biloxi, MS with the Subaru Crosstrek ranking first at $1,842 per year

The above table containing 30 of the cheapest vehicles to insure in Biloxi is not the best way to show an overall summary of the cost of auto insurance in Biloxi. A more thorough way to examine auto insurance rates for more models is by sorting them by automotive segment. The following six sections rank the models with the most affordable insurance rates in Biloxi for the six main vehicle segments.

Cars with the best insurance rates in Biloxi

The four top-ranked non-luxury cars with the most affordable average insurance rates in Biloxi are the Toyota GR Corolla at $2,166 per year, Nissan Leaf at $2,184 per year, Honda Civic at $2,208 per year, and Nissan Sentra at $2,286 per year.

Not the cheapest cars to insure, but still very reasonable, are models like the Kia K5, Honda Accord, Chevrolet Malibu, and Toyota Prius, with average annual insurance rates of $2,430 per year or less.

On a monthly basis, full-coverage car insurance in this segment for an average middle-age driver starts at around $181 per month, depending on your location.

The most affordable compact car to insure in Biloxi is the Toyota GR Corolla at $2,166 per year. For midsize 2024 models, the Kia K5 has the best rates at $2,404 per year. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $2,376 per year.

The table below ranks the cars with the cheapest insurance rates in Biloxi.

Cheapest Car Insurance in Biloxi, Mississippi
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,166$181
Nissan LeafCompact$2,184$182
Honda CivicCompact$2,208$184
Nissan SentraCompact$2,286$191
Subaru ImprezaCompact$2,292$191
Toyota PriusCompact$2,330$194
Kia K5Midsize$2,404$200
Honda AccordMidsize$2,408$201
Chevrolet MalibuMidsize$2,420$202
Toyota CorollaCompact$2,430$203
Kia ForteCompact$2,434$203
Volkswagen ArteonMidsize$2,452$204
Nissan VersaCompact$2,458$205
Subaru LegacyMidsize$2,462$205
Hyundai Ioniq 6Midsize$2,482$207
Mitsubishi Mirage G4Compact$2,518$210
Volkswagen JettaCompact$2,522$210
Toyota CrownMidsize$2,524$210
Hyundai SonataMidsize$2,526$211
Mazda 3Compact$2,580$215

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 Biloxi, MS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Biloxi, MS, with the Toyota GR Corolla ranking first at $2,166 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Biloxi, MS, with the Toyota GR Corolla ranking first at $2,166 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Biloxi car insurance quotes from top companies in Mississippi.

SUVs with the best car insurance rates

The top four SUVs with the most affordable average insurance rates in Biloxi are the Subaru Crosstrek at $1,842 per year, Chevrolet Trailblazer at $1,874 per year, Kia Soul at $1,946 per year, and Nissan Kicks at $1,962 per year.

Not the cheapest in the list, but still ranking well, are models like the Buick Envision, Toyota Corolla Cross, Ford Bronco Sport, and Hyundai Venue, with an average cost to insure of $2,042 per year or less.

On a monthly basis, full-coverage auto insurance on this segment in Biloxi for a middle-age safe driver starts at around $154 per month, depending on where you live.

If insurance rates are ranked by vehicle size, the cheapest non-luxury compact SUV to insure in Biloxi is the Subaru Crosstrek at $1,842 per year, or $154 per month. For midsize 2024 models, the Honda Passport has the best rates at $1,986 per year, or $166 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,342 per year, or $195 per month.

The comparison table below ranks the twenty SUVs with the lowest-cost car insurance rates in Biloxi, starting with the Subaru Crosstrek at $1,842 per year and ending with the Subaru Ascent at $2,172 per year.

Cheapest SUV Insurance in Biloxi, Mississippi
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,842$154
Chevrolet TrailblazerCompact$1,874$156
Kia SoulCompact$1,946$162
Nissan KicksCompact$1,962$164
Honda PassportMidsize$1,986$166
Buick EnvisionCompact$1,998$167
Toyota Corolla CrossCompact$2,012$168
Hyundai VenueCompact$2,024$169
Mazda CX-5Compact$2,036$170
Ford Bronco SportCompact$2,042$170
Volkswagen TiguanCompact$2,064$172
Nissan MuranoMidsize$2,096$175
Buick EncoreCompact$2,116$176
Subaru OutbackMidsize$2,124$177
Honda CR-VCompact$2,126$177
Buick EnvistaMidsize$2,132$178
Volkswagen TaosCompact$2,138$178
Kia NiroCompact$2,146$179
Honda HR-VCompact$2,170$181
Subaru AscentMidsize$2,172$181

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 Biloxi, MS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Biloxi, MS, with the Subaru Crosstrek ranking first at $1,842 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Biloxi, MS, with the Subaru Crosstrek ranking first at $1,842 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Mississippi.

Cheap pickup trucks to insure in Biloxi, Mississippi

The lowest-cost pickup trucks to insure in Biloxi are the Chevrolet Colorado at $2,200 per year, the Nissan Titan at $2,332 per year, and the Nissan Frontier at $2,358 per year.

Additional pickups that have cheaper rates are the GMC Canyon, Honda Ridgeline, GMC Sierra 2500 HD, and Toyota Tacoma, with an average cost of $2,566 per year or less.

Car insurance in Biloxi for this segment for an average middle-age driver starts at around $183 per month, depending on your company and location. The comparison table below ranks the twenty pickups with the cheapest average auto insurance rates in Biloxi.

Cheapest Pickup Insurance in Biloxi, Mississippi
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,200$183
Nissan TitanFull-size$2,332$194
Nissan FrontierMidsize$2,358$197
Ford RangerMidsize$2,384$199
Ford MaverickMidsize$2,416$201
Honda RidgelineMidsize$2,476$206
Hyundai Santa CruzMidsize$2,516$210
Toyota TacomaMidsize$2,526$211
GMC Sierra 2500 HDHeavy Duty$2,536$211
GMC CanyonMidsize$2,566$214
Jeep GladiatorMidsize$2,626$219
GMC Sierra 3500Heavy Duty$2,642$220
Chevrolet Silverado HD 3500Heavy Duty$2,666$222
Chevrolet Silverado HD 2500Heavy Duty$2,738$228
GMC SierraFull-size$2,754$230
Chevrolet SilveradoFull-size$2,758$230
Nissan Titan XDHeavy Duty$2,758$230
Ford F150Full-size$2,790$233
GMC Hummer EV PickupFull-size$2,860$238
Ram TruckFull-size$2,882$240

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 Biloxi, MS Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Biloxi, MS, with the Chevrolet Colorado ranking first at $2,200 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Biloxi, MS, with the Chevrolet Colorado ranking first at $2,200 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Mississippi.

Luxury cars with cheap insurance rates

The top-ranked vehicle in Biloxi for cheapest insurance in the luxury sedan segment is the Acura Integra, with a cost of $2,216 per year. Second place is the BMW 330i costing $2,538 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $2,566 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,570 per year.

Additional models that have good average insurance rates include the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average cost of $2,620 per year or less.

Some additional luxury cars that made the list include the Jaguar XF, BMW 230i, Lexus ES 250, and BMW 330e, which average between $2,620 and $2,796 to insure per year.

Auto insurance for this segment in Biloxi can cost as low as $185 per month, depending on the company and your location.

If insurance rates are ranked by vehicle size, the most budget-friendly compact luxury car to insure in Biloxi is the Acura Integra at $2,216 per year, or $185 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is cheapest to insure at $2,566 per year, or $214 per month. And for full-size luxury models, the Audi A5 has the cheapest car insurance rates at $2,964 per year, or $247 per month.

The rate comparison table below ranks the twenty cars with the cheapest car insurance in Biloxi, starting with the Acura Integra at $185 per month and ending with the Audi S3 at $233 per month.

Cheapest Luxury Car Insurance in Biloxi, Mississippi
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,216$185
BMW 330iCompact$2,538$212
Mercedes-Benz CLA250Midsize$2,566$214
Lexus IS 300Midsize$2,570$214
Acura TLXCompact$2,578$215
Cadillac CT4Compact$2,604$217
Lexus ES 350Midsize$2,604$217
Genesis G70Compact$2,610$218
Mercedes-Benz AMG CLA35Midsize$2,614$218
Lexus RC 300Midsize$2,620$218
Lexus IS 350Compact$2,632$219
Jaguar XFMidsize$2,638$220
Cadillac CT5Midsize$2,686$224
Lexus ES 250Midsize$2,698$225
Lexus RC 350Compact$2,704$225
BMW 330eCompact$2,708$226
BMW 228iCompact$2,714$226
BMW 230iCompact$2,734$228
Lexus ES 300hMidsize$2,738$228
Audi S3Compact$2,796$233

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 Biloxi, MS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Biloxi, MS, with the Acura Integra ranking first at $2,216 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Biloxi, MS, with the Acura Integra ranking first at $2,216 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Biloxi car insurance quotes from top-rated auto insurance companies in Mississippi.

Luxury SUVs with cheap insurance rates in Biloxi

Ranking highest for the cheapest Biloxi car insurance rates in the luxury SUV segment are the Jaguar E-Pace, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Insurance rates for these 2024 models average $2,352 or less per year, or around $196 per month.

Additional models that rank well include the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Lexus UX 250h, with an average cost to insure of $2,406 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment for a good driver starts at around $174 per month, depending on your location. The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Biloxi, starting with the Acura RDX at $174 per month and ending with the Lexus RX 350 at $209 per month.

Cheapest Luxury SUV Insurance in Biloxi, Mississippi
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,086$174
Lexus NX 250Compact$2,208$184
Cadillac XT4Compact$2,252$188
Jaguar E-PaceMidsize$2,332$194
Cadillac XT5Midsize$2,352$196
Lexus NX 350hCompact$2,352$196
Lincoln CorsairCompact$2,382$199
Mercedes-Benz GLB 250Compact$2,386$199
Lexus UX 250hCompact$2,392$199
Lexus NX 450hCompact$2,406$201
Infiniti QX50Midsize$2,424$202
Mercedes-Benz GLA250Compact$2,432$203
Mercedes-Benz GLA35 AMGCompact$2,440$203
Cadillac XT6Midsize$2,442$204
Infiniti QX60Midsize$2,454$205
Mercedes-Benz AMG GLB35Midsize$2,456$205
Land Rover EvoqueCompact$2,488$207
Acura MDXMidsize$2,492$208
Lexus NX 350Compact$2,500$208
Lexus RX 350Midsize$2,502$209

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 Biloxi, MS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Biloxi, MS, with the Acura RDX ranking first at $2,086 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Biloxi, MS, with the Acura RDX ranking first at $2,086 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Biloxi car insurance quotes from top auto insurance companies in Mississippi.

Sports cars with cheap auto insurance rates

The Mazda MX-5 Miata ranks at #1 for the most budget-friendly sports car to insure in Biloxi, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,306 per year for a policy with full coverage.

Also ranking in the top 10 are cars like the Nissan Z, BMW M2, Toyota GR Supra, and Lexus RC F, with average rates of $2,982 per year or less.

Full-coverage insurance for this segment in Biloxi for an average middle-age driver can cost as low as $192 per month, depending on your location and insurance company. The rate comparison table below ranks the sports cars with the lowest-cost insurance in Biloxi, starting with the Mazda MX-5 Miata at $2,306 per year ($192 per month) and ending with the Porsche Taycan at $4,224 per year ($352 per month).

Cheapest Sports Car Insurance in Biloxi, Mississippi
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,306$192
Toyota GR86Sports Car$2,628$219
Ford MustangSports Car$2,740$228
BMW Z4Sports Car$2,754$230
Subaru WRXSports Car$2,798$233
Toyota GR SupraSports Car$2,802$234
BMW M2Sports Car$2,884$240
Nissan ZSports Car$2,890$241
Lexus RC FSports Car$2,948$246
Subaru BRZSports Car$2,982$249
BMW M3Sports Car$3,150$263
Porsche 718Sports Car$3,212$268
Chevrolet CamaroSports Car$3,242$270
Chevrolet CorvetteSports Car$3,452$288
Porsche 911Sports Car$3,574$298
BMW M4Sports Car$3,722$310
Lexus LC 500Sports Car$3,742$312
Jaguar F-TypeSports Car$3,934$328
Mercedes-Benz AMG GT53Sports Car$4,128$344
Porsche TaycanSports Car$4,224$352

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 Biloxi, MS Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Biloxi, MS, with the Mazda MX-5 Miata ranking first at $2,306 per year.
Ranking of the cheapest sports cars to insure in Biloxi, MS, with the Mazda MX-5 Miata ranking first at $2,306 per year.

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Tips for cheaper Biloxi car insurance quotes

Biloxi drivers should always be searching for ways to reduce the monthly expense for insurance So run through the savings tips in this next list and it’s very likely you can save some money on your next policy.

  • Compare insurance cost before buying a car. Different cars can have very different insurance premiums, and car insurance companies can sell coverages with a wide range of costs. Get comparison quotes before you buy a different car in order to prevent insurance sticker shock when you see your first bill.
  • Being a cautious driver saves money. Being the cause of frequent accidents will raise rates, potentially by an additional $3,560 per year for a 20-year-old driver and even as much as $1,036 per year for a 40-year-old driver. So drive safe and save!
  • Improve your credit for cheaper auto insurance rates. Having a good credit rating over 800 could save as much as $392 per year compared to a slightly lower credit score between 670-739. Conversely, a poor credit rating could cost up to $454 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Get better rates due to your employment. The large majority of car insurance providers offer discounts for working in professions like high school and elementary teachers, architects, firefighters, doctors, lawyers, and others. By working in a profession that qualifies for this discount, you may save between $75 and $242 on your annual auto insurance bill, depending on the level of coverage purchased.
  • Shop around for better rates. Setting aside a few minutes before every renewal to get a few free car insurance quotes is our best recommendation for saving money. Rates change frequently and you can switch anytime.