Cost of Car Insurance in Biloxi, MS – Cheapest Quotes + Rankings (2024)

• The average cost of car insurance in Biloxi is 2.5% more than the national average rate of $1,883.
• Biloxi auto insurance costs $64 per year more than the Mississippi state average and $47 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 $2,130 per year, Toyota RAV4 at $1,774, and Ford F150 at $2,156.
• 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 $1,930 per year, or around $161 per month. That’s 2.5% more expensive than the overall overall U.S. national average rate of $1,883 per year.

The average car insurance expense in Mississippi is $1,866 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 $18 per year cheaper than in Gulfport, $86 per year cheaper than in Jackson, and $118 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 – $6,866 per year or $572 per month
• 17-year-old driver – $6,649 per year or $554 per month
• 18-year-old driver – $5,960 per year or $497 per month
• 19-year-old driver – $5,428 per year or $452 per month
• 20-year-old driver – $3,878 per year or $323 per month
• 30-year-old driver – $2,056 per year or $171 per month
• 40-year-old driver – $1,930 per year or $161 per month
• 50-year-old driver – $1,708 per year or $142 per month
• 60-year-old driver – $1,598 per year or $133 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 the chart above range from $1,602 per year for a 40-year-old driver with a great rate thanks to policy discounts to $4,432 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 $134 to $369.

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.

Popular vehicles and the cost of 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.

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 $840 to $455 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 $1,822 less each year than a 20-year-old driver, $2,056 versus $3,878.
• Insuring teens can be very expensive – Average cost ranges from $4,588 to $6,866 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 $2,170 per year cheaper than for a 20-year-old driver.
• Biloxi car insurance prices are more expensive than the Mississippi state average – $1,930 (Biloxi average) versus $1,866 (Mississippi average)
• Average cost per month ranges from $133 to $572 – 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 $1,566 or less per year ($131 per month) to have full coverage.

Some other vehicles that rank well in our car insurance cost comparison are the Buick Encore, Kia Niro, Chevrolet Colorado, 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 $1,652 or less per year, or about $138 per month.

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

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 $1,676 per year, Nissan Leaf at $1,688 per year, Honda Civic at $1,708 per year, and Nissan Sentra at $1,766 per year.

Not the cheapest cars to insure, but still very reasonable, are models like the Toyota Prius, Kia K5, Honda Accord, and Hyundai Ioniq 6, with average annual insurance rates of $1,870 per year or less.

On a monthly basis, full-coverage car insurance in this segment for an average middle-age driver starts at around $140 per month, depending on your location.

The most affordable compact car to insure in Biloxi is the Toyota GR Corolla at $1,676 per year. For midsize 2024 models, the Hyundai Ioniq 6 has the best rates at $1,772 per year. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $1,830 per year.

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

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 $1,426 per year, Chevrolet Trailblazer at $1,448 per year, Kia Soul at $1,504 per year, and Nissan Kicks at $1,518 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 $1,578 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 $119 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 $1,426 per year, or $119 per month. For midsize 2024 models, the Honda Passport has the best rates at $1,534 per year, or $128 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,808 per year, or $151 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 $1,426 per year and ending with the Honda HR-V at $1,678 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 $1,648 per year, the Nissan Titan at $1,804 per year, and the Nissan Frontier at $1,822 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 $1,984 per year or less.

Car insurance in Biloxi for this segment for an average middle-age driver starts at around $137 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.

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 $1,712 per year. Second place is the BMW 330i costing $1,962 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $1,984 per year, and the fourth most affordable is the Lexus IS 300, at an average of $1,988 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 $2,026 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 $2,026 and $2,160 to insure per year.

Auto insurance for this segment in Biloxi can cost as low as $143 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 $1,712 per year, or $143 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is cheapest to insure at $1,984 per year, or $165 per month. And for full-size luxury models, the Audi A5 has the cheapest car insurance rates at $2,282 per year, or $190 per month.

The rate comparison table below ranks the twenty cars with the cheapest car insurance in Biloxi, starting with the Acura Integra at $143 per month and ending with the Audi S3 at $180 per month.

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 $1,818 or less per year, or around $152 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 $1,860 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment for a good driver starts at around $134 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 $134 per month and ending with the Lexus NX 350 at $161 per month.

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 $1,782 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 $2,302 per year or less.

Full-coverage insurance for this segment in Biloxi for an average middle-age driver can cost as low as $149 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 $1,782 per year ($149 per month) and ending with the Porsche Taycan at $3,264 per year ($272 per month).

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Mississippi.

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 $2,748 per year for a 20-year-old driver and even as much as $800 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 $303 per year compared to a slightly lower credit score between 670-739. Conversely, a poor credit rating could cost up to $351 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 $58 and $187 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.