Mississippi Car Insurance Quotes & Average Rates
Full coverage car insurance in Mississippi is estimated at $1,935 a year, or $161 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $599 a year. Mississippi is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 29 Mississippi cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Mississippi
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Mississippi
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,471 | $123 | -24% | Military members and families only |
| Geico | $1,587 | $132 | -18% | Usually cheapest for clean records |
| State Farm | $1,703 | $142 | -12% | Strong for young and student drivers |
| Progressive | $1,838 | $153 | -5% | Competitive after a ticket or accident |
| Travelers | $1,877 | $156 | -3% | Good multi-policy discounts |
| Nationwide | $1,935 | $161 | 0% | Mid-market, wide availability |
| Allstate | $2,206 | $184 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,341 | $195 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Mississippi. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Mississippi car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,228 | $1,618 | $436 |
| 18 years old | $4,410 | $1,365 | $367 |
| 20 years old | $3,651 | $1,130 | $304 |
| 22 years old | $3,033 | $939 | $253 |
| 25 years old | $2,315 | $716 | $193 |
| 30 years old | $1,995 | $618 | $166 |
| 40 years old | $1,876 | $581 | $156 |
| 50 years old | $1,796 | $556 | $150 |
| 60 years old | $1,776 | $550 | $148 |
| 65 years old | $1,856 | $574 | $155 |
| 70 years old | $2,035 | $630 | $170 |
| 75 years old | $2,374 | $735 | $198 |
Estimated premiums by age in Mississippi, clean record, sedan.
How violations change your Mississippi premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,935 | — |
| 1 speeding ticket | $2,381 | +23% |
| 1 at-fault accident | $2,845 | +47% |
| DUI / DWI | $3,658 | +89% |
What a violation costs a 35-year-old in Mississippi. Surcharges normally stay on the policy for three to five years.
A DUI in Mississippi usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Mississippi minimum insurance requirements
| Required coverage in Mississippi | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Mississippi Department of Insurance before you buy.
Coverage levels in Mississippi
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $599 | $50 |
| Full coverage (100/300/100 + comp & collision) | $1,935 | $161 |
| Full coverage, high limits + low deductible | $2,303 | $192 |
Coverage level comparison for Mississippi.
Car insurance rates in Mississippi cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 29 Mississippi cities we price.