Car insurance in Mississippi
Drivers in Mississippi paid $1,395 a year for full coverage in 2023, 3% below the national average. With prices up since, figure on about $1,650 today. In Mississippi, the law asks for at least 25/50/25 liability.
What people pay in Mississippi
A typical yearly price today
about $1,650 a year (about $140 a month)
Mississippi's average full-coverage cost in 2023 was $1,395, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,650.
That makes Mississippi the 19th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Mississippi next to its neighbors
A typical policy in Mississippi costs more than in Alabama, Arkansas, and Tennessee and less than in Louisiana.
| State | Typical price, 2023 | Moving to Mississippi from there |
|---|---|---|
| Mississippi | $1,395 | Not a move |
| Alabama | $1,269 | About $170 more a year |
| Arkansas | $1,296 | About $140 more a year |
| Louisiana | $1,983 | About $800 less a year |
| Tennessee | $1,212 | About $250 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Mississippi's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $637 in Mississippi in 2023 (about $750 today, brought up the same rough way), the 22nd highest of the 50 states and DC. That's about 46% of the full-coverage price; the rest pays to fix or replace your own car.
Mississippi requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured motorist coverage, which also covers underinsured drivers, is included unless you turn it down in writing.
What we couldn’t confirm: The official Mississippi Code is only on LexisNexis, which we couldn't open, so the law's text comes from legislature bill documents that reprint it. One of those bills is from 2020, so a later small change is possible. Medical payments coverage is optional, according to the Mississippi Insurance Department's consumer page.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries and for property damage comes with your policy, at no less than $25,000/$50,000 for injuries and $25,000 for property damage, unless you turn it down in writing. The property damage part may exclude the first $200. Mississippi counts a driver whose limits are lower than yours as uninsured, so this also covers underinsured drivers.
- Checked
- September 22, 2026
- Sources
A new teen driver in Mississippi
Adding a 16-year-old to a typical policy
about $1,090 more a year
About $90 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,050–$3,650 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,740 a year in Mississippi (roughly $3,600–$6,750).
What adding a teen costs comes from California's published prices, so the range is wide, and Mississippi may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Mississippi, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $970 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,640 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$970 a year | $4,230 a year |
| 2022 Subaru Outback | +$980 a year | $4,250 a year |
| 2022 Subaru Crosstrek | +$980 a year | $4,260 a year |
| 2022 Honda CR-V | +$1,050 a year | $4,550 a year |
| 2022 Toyota RAV4 | +$1,070 a year | $4,630 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Mississippi (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Mississippi's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.