Popular QuestionsPopular Questions About Mississippi Car Insurance

How much does Mississippi car insurance cost? $1,584

Mississippi residents pay higher than average rates for car insurance. That makes it especially important that you seek out the best possible price. Independent insurance agents can help you find the lowest costs on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Mississippi, residents pay an average of $1,584 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy. 

Mississippi car insurance cost chart.


What does Mississippi car insurance actually do for me?

Driving on Mississippi roads can be dangerous. Accidents happen; and there are a number of risks you may not even know about. Here's what car insurance will do for you...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."

Mississippi drivers are required to have insurance that meets or exceeds the minimum requirements. It is designed to cover someone else's vehicle damage and medical bills if you cause an accident. Make sure your insurance is up-to-date by double-checking necessary coverages with a Trusted Choice agent.

Who pays if the accident wasn’t my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Mississippi drivers are uninsured: 22.9%

Unfortunately, some people drive without any insurance. These careless drivers are on the road without a financial backup plan for accidents — putting both themselves and you at risk. 

That's where "uninsured motorist coverage" comes in. If you are hit by an uninsured driver, getting compensation can be extremely difficult. With this additional insurance coverage, you'll be compensated for medical bills or car damage. Mississippi does not require you to have uninsured motorist coverage, but it's an extra layer of protection that can give you peace of mind when you're behind the wheel.

Which are the best insurance companies in Mississippi?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

travelers logo
metlife auto & home

metli

safeco insurance
state auto insurance companies


InformationFind the Best Insurance in Your City

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Jackson12.66.53$1,386$116
Gulfport18.21.76$1,459$122
Southaven22.24$1,359$113
Hattiesburg191.48$1,377$115
Biloxi19.93.15$1,459$122
Meridian20.73.49$1,268$106
Tupelo17.62.67$1,259$105
Olive Branch25.23.01$1,359$113
Clinton20.60.38$1,414$118
Horn Lake25.25.76$1,359$113
Leland17.81.86$1,783$149
Pass Christian24.90.35$1,641$137
Long Beach21.70.57$1,567$131
Fulton20.60.1$1,626$135
New Albany19.70.12$1,627$136
Flowood24.42.39$1,554$130
Kosciusko22.90$1,453$121
Laurel16.81.42$1,608$134
Amory24.30.2$1,619$135
Clarksdale20.93.72$2,006$167
Ocean Springs222.32$1,683$140
Natchez13.51.33$1,184$99
Greenwood14.50.99$1,775$148
Senatobia26.80.7$1,779$148
Aberdeen22.10.92$1,784$149
Pearl20.70.43$1,386$116
Madison22.20.39$1,335$111
Ridgeland18.40.73$1,322$110
Starkville18.40.96$1,195$100
Vicksburg152.6$1,359$113
Columbus19.11.52$1,195$100
Pascagoula18.81.76$1,432$119
Brandon27.30.38$1,322$110
Oxford13.21.63$1,341$112
Gautier25.12.13$1,432$119
Forest19.20.53$1,472$123
Corinth14.71.76$1,627$136
Hernando23.50.26$1,544$129
Moss Point193.92$1,778$148
Canton19.61.04$1,804$150
Grenada14.81.37$1,778$148
McComb21.71.34$1,988$166
Brookhaven22.90.32$1,702$142
Cleveland14.70.99$1,665$139
Byram28.81.98$1,789$149
Yazoo City21.42.03$1,911$159
West Point180.27$1,689$141
Indianola16.40.98$1,597$133
Bay St. Louis231.8$1,630$136
Booneville19.60.29$1,517$126


Southaven, MS Car Insurance

Residents of Southaven pay an average of $113 per month for their auto insurance coverage. Your calculated monthly cost could be higher or lower than this, depending on several factors such as your car's make, model and age and your driving history. Let a Trusted Choice agent walk you through your policy and pricing options.

Southaven drivers spend less time on the road during their daily commutes than average. The less time you're behind the wheel, the lower your risk of an accident. This is frequently reflected in lower insurance rates.

Car thefts in Southaven are pretty high compared with the national average. You can take precautionary steps like parking under street lights and hiding valuables, but the only surefire way to protect yourself from auto theft is with comprehensive car insurance.

Biloxi, MS Car Insurance

Residents of Biloxi pay an average of $122 per month for their auto insurance coverage. Your actual rates may be much higher or lower depending on factors such as the make and model of the vehicle you are insuring, the driving histories of the licensed drivers in your household, and the amount of your deductible. When you partner with a Trusted Choice agent, you'll receive great customer service and insurance at an affordable price.

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Biloxi drivers spend less time traveling to and from work than the average national driver, and this helps keep insurance rates lower for most residents.

The auto theft rate in Biloxi is slightly higher than the national average, which may mean increased costs to add comprehensive coverage to your insurance policy. Regardless of price, it's usually best to be prepared and protected in the event that something goes wrong.

Tupelo, MS Car Insurance

Residents of Tupelo pay an average of $105 per month for their auto insurance coverage. Of course, this is just an average so your rates may be significantly higher or lower than this amount. Rates are calculated according to several factors such as the number of vehicles you are insuring, the ages and driving records of all in your household who may be operating the vehicles, and the amount of coverage you are purchasing. 

The longer you're on the road, the more likely it is that you'll be in an accident. Tupelo drivers spend less time commuting than the average national driver, and can help lower overall insurance rates in the area. 

The Tupelo auto theft rate is pretty much on par with the national average. Ensure you're protected against the unexpected by including "other than collision" (comprehensive) coverage to your policy. You cannot receive compensation for losses caused by property crimes without it.

Olive Branch, MS Car Insurance

The average monthly cost of car insurance in Olive Branch is $113. Depending on factors such as the age, make, and model of your vehicle, your gender, your driving record, and the amount of your deductible, your monthly cost could be considerably higher or lower than this amount. 

Commute times in Olive Branch are on par with the national average and should not have a significant impact on car insurance rates for most residents of this city. 

Olive Branch residents need to be aware of the risks they face when it comes to auto theft, break-ins, and vandalism. The auto theft rate in this city is slightly higher than the national average so it is important to be prepared. You cannot receive compensation for losses caused by property crimes unless your policy includes comprehensive (“other than collision”) coverage.

Clinton, MS Car Insurance

Residents of Clinton pay an average of $118 per month for their car insurance coverage. Bear in mind, however, that rates can vary significantly from one person to the next so your quoted costs may be considerably higher or lower than this amount. Rates are calculated according to a number of factors related to your vehicle, the drivers who will be operating it, and the amount of coverage you wish to purchase.

The more time you spend behind the wheel, the more likely it is that you'll be in an accident. On average, Clinton residents have a much shorter commute time than most drivers in this country, and this can help to keep insurance costs down. 

It's extremely rare to be the victim of auto theft in Clinton. However, it is a good idea to be prepared, particularly if you travel out of the city frequently. You need comprehensive coverage to be compensated for losses caused by property crimes, and the low crime rate in Clinton helps to keep the cost for the optional coverage affordable.

Horn Lake, MS Car Insurance

The average monthly cost of auto insurance in Lake Horn is $113. Everything from your vehicle's age to your gender can be taken into account when determining your monthly auto insurance cost. That means your personal rate could be significantly higher or lower than this average number. 

Horn Lake drivers spend an average amount of time commuting to and from work. Rush hour traffic can be frustrating and unforgiving, which is why you need proper protection against the unexpected accident, particularly if it involves an uninsured driver. 

The theft rate in Horn Lake is much higher than the national average. Unless your policy includes comprehensive (“other than collision”) coverage, you cannot be compensated for losses caused by property crimes. Unfortunately, the high crime rate in this city may cause this optional coverage to cost a bit more.