Car Insurance in Mississippi
Figures updated
Costs for drivers in Mississippi, the legal minimum and who charges the least.
- $129.average monthly cost for full coverage.
- 25/50/25.minimum limits for liability coverage.
- Mississippi ranks 19th of 51 for cost (1st = highest).
Car insurance costs in Mississippi
In Mississippi, the average cost for full coverage is $1,542 a year, or about $129 a month. The average annual cost for a policy with only the legal minimum is $679. This costs 4% less than the yearly US average of $1,613
| Coverage in Mississippi | Per year | Per month |
|---|---|---|
| Liability | $679 | $57 |
| Collision | $483 | $40 |
| Comprehensive | $380 | $32 |
| Full coverage (all three) | $1,542 | $129 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Legal minimum limits in Mississippi
Mississippi requires liability coverage of at least 25/50/25. The limit is $25,000 for each injured person and $50,000 for all people injured in one crash. Damage to other people's property is covered for $25,000.
A driver who causes a crash in Mississippi pays through their liability cover under the state's at-fault rule.
Uninsured motorist coverage isn't required, but most states require insurers to offer it.
How many drivers in Mississippi lack insurance?
About 28% of Mississippi drivers had no car insurance in 2023. This was the 1st highest share among the 51. If an uninsured driver hits you, this coverage pays your bills
Learn more about car insurance in Mississippi
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