How much is car insurance in Mississippi?
Car insurance in Mississippi cost an average of $1,395 a year for full coverage in 2023 (NAIC), sitting 3% below the $1,439 national average and coming to about $1,650 a year in Mississippi today (about $140 a month in August 2026 dollars). In Mississippi, the law asks for at least 25/50/25 liability, while Mississippi liability-only policies—the closest NAIC figure to minimum coverage—averaged $637 in 2023 (about $750 today).
Average car insurance cost in Mississippi: $1,395 in 2023, about $1,650 today
Typical Mississippi full-coverage price today
about $1,650 a year in Mississippi (about $140 a month)
Mississippi's 2023 NAIC full-coverage average ($1,395) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Mississippi rate depends on your car, driving history, and coverage limits.
That $1,395 2023 full-coverage figure makes Mississippi the 19th most expensive of the 50 states and DC (against $1,439 nationally), with 46% going to liability ($637, 22nd highest in the US) and 54% covering physical damage to your own vehicle. NAIC also tracks Mississippi's average expenditure per insured vehicle—$1,200 in 2023 (19th highest in the US, or about $1,420 today)—which sits 14% ($195) below Mississippi's full-coverage average because many Mississippi drivers drop collision or comprehensive on older cars.
How Mississippi compares with Alabama, Arkansas, Louisiana, and Tennessee
A typical policy in Mississippi ($1,395 in 2023) costs more than in Alabama, Arkansas, and Tennessee and less than in Louisiana. Among Mississippi's neighbors, Tennessee had the lowest 2023 average ($1,212, moving to Mississippi is about $250 more a year) and Louisiana had the highest ($1,983, moving to Mississippi is about $790 less a year).
| State | 2023 average | Moving to Mississippi from there |
|---|---|---|
| Mississippi | $1,395 | Current state (Mississippi) |
| Alabama | $1,269 | About $170 more a year |
| Arkansas | $1,296 | About $130 more a year |
| Louisiana | $1,983 | About $790 less a year |
| Tennessee | $1,212 | About $250 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Massachusetts ($1,413 in 2023, about $1,670 today), California ($1,418 in 2023, about $1,680 today), Oklahoma ($1,324 in 2023, about $1,570 today), and Missouri ($1,323 in 2023, about $1,570 today).
Mississippi: 25/50/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Mississippi liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Mississippi
- Not required
- Medical payments in Mississippi
- Not required
- No-fault system in Mississippi
- No
- Uninsured motorist in Mississippi
- Included unless you decline in writing
- Underinsured motorist in Mississippi
- Included unless you decline in writing
Set by Mississippi Insurance Department, Auto Insurance consumer page, Mississippi's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Mississippi, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Mississippi—the closest NAIC figure to what a Mississippi minimum policy costs—averaged $637 in 2023 (about $750 in Mississippi today), the 22nd highest of the 50 states and DC. That makes liability 46% of Mississippi's full-coverage average ($1,395), while the remaining 54% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- 25/50/25 has been in effect since Jan. 1, 2006 (per the Mississippi Insurance Department). 2026 HB 382, which would have made uninsured motorist coverage mandatory with no rejection, died in committee on Feb. 3, 2026.
- Checked
- September 22, 2026
- Sources
- Mississippi Insurance Department, Auto Insurance consumer page
On January 1, 2006, the minimum liability requirements increased to the following: $25,000 per person ..., $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
- Miss. Code 63-15-3(j) (text as reproduced in 2015 HB 303)
Twenty-five Thousand Dollars ($25,000.00) because of bodily injury to or death of one (1) person ... Fifty Thousand Dollars ($50,000.00) ... Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property
- Miss. Code 83-11-101 (text as reproduced in 2026 HB 382, died in committee)
within limits which shall be no less than those set forth in the Mississippi Motor Vehicle Safety Responsibility Law ... The coverage herein required shall not be applicable where any insured named in the policy shall reject the coverage in writing
- Miss. Code 83-11-103(c)(iii) (text as reproduced in 2020 HB 1046)
An insured motor vehicle, when the liability insurer of such vehicle has provided limits of bodily injury liability ... which are less than the limits applicable to the injured person provided under his uninsured motorist coverage
- MS Legislature bill status, 2026 HB 382
02/03 (H) Died In Committee
- Mississippi Insurance Department, Auto Insurance consumer page
Adding a 16-year-old driver in Mississippi: about $1,090 more a year
Adding a 16-year-old to a Mississippi policy
about $1,090 more a year
About $90 a month (+66% over a typical Mississippi adult policy of $1,650), bringing the combined Mississippi family policy to roughly $2,050–$3,650 a year.
On a separate Mississippi policy of their own with the same car, a 16-year-old in Mississippi would pay about $4,740 a year (roughly $3,600–$6,750), so sharing a parent's Mississippi policy saves about $3,650 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Mississippi's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Mississippi
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 on a Mississippi policy, compared with about $1,640 more a year for the 2022 Tesla Model 3 in Mississippi.
| 2022 model | Added to a Mississippi policy | Own Mississippi policy |
|---|---|---|
| 2022 Subaru Forester | +$970 in Mississippi | $4,230 in Mississippi |
| 2022 Subaru Outback | +$980 in Mississippi | $4,250 in Mississippi |
| 2022 Subaru Crosstrek | +$980 in Mississippi | $4,260 in Mississippi |
| 2022 Honda CR-V | +$1,050 in Mississippi | $4,550 in Mississippi |
| 2022 Toyota RAV4 | +$1,070 in Mississippi | $4,630 in Mississippi |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Mississippi
In Mississippi, a 45-year-old with full coverage pays from about $1,540 a year for a 2024 Chevrolet Traverse to about $2,030 for a 2024 Chevrolet Suburban on these Mississippi sample models.
| Car | 45-year-old in Mississippi | Adding a teen in Mississippi |
|---|---|---|
| 2024 Chevrolet Traverse | about $1,540 a year | +$1,010 a year |
| 2024 Chevrolet Tahoe | about $1,780 a year | +$1,170 a year |
| 2024 Chevrolet Suburban | about $2,030 a year | +$1,340 a year |
| 2024 Ford Explorer | about $1,740 a year | +$1,150 a year |
| 2024 Ford Bronco | about $1,780 a year | +$1,180 a year |
| 2024 Ford Bronco Sport | about $1,770 a year | +$1,170 a year |
| 2024 Ford Expedition | about $1,680 a year | +$1,110 a year |
| 2024 GMC Terrain | about $1,750 a year | +$1,160 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Mississippi
- How much is car insurance in Mississippi?
- In Mississippi, full-coverage car insurance averaged $1,395 a year in 2023 (the 19th most expensive of the 50 states and DC per NAIC), or about $1,650 a year ($140 a month) in Mississippi as of August 2026. Mississippi liability-only coverage averaged $637 in 2023 (46% of Mississippi's full-coverage figure, or about $750 today), and Mississippi drivers spent $1,200 per insured car across all policies.
- What are the minimum car insurance limits in Mississippi?
- Under Mississippi Insurance Department, Auto Insurance consumer page, Mississippi requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 has been in effect since Jan. 1, 2006 (per the Mississippi Insurance Department). 2026 HB 382, which would have made uninsured motorist coverage mandatory with no rejection, died in committee on Feb. 3, 2026.
- How much does adding a 16-year-old teen driver cost in Mississippi?
- Adding a 16-year-old to a parent's full-coverage policy in Mississippi adds about $1,090 more a year ($90 a month), bringing the Mississippi household policy to roughly $2,050–$3,650 a year versus about $4,740 a year (roughly $3,600–$6,750) on a standalone Mississippi teen policy.
- Is Mississippi a no-fault car insurance state?
- No—Mississippi is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Mississippi does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Mississippi: 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.
- How does Mississippi's car insurance cost compare with Alabama?
- Mississippi averaged $1,395 for full coverage in 2023 (NAIC) against $1,269 in Alabama (10% more than Alabama), and moving a sample policy from Alabama to Mississippi today is about $170 more a year. Other bordering states averaged $1,296 in Arkansas, $1,983 in Louisiana, and $1,212 in Tennessee in 2023.
Sources for Mississippi
- Mississippi average premiums ($1,395 full coverage, $637 liability-only, $1,200 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Mississippi minimum coverage statutes (Mississippi Insurance Department, Auto Insurance consumer page; Miss. Code 63-15-3(j) (text as reproduced in 2015 HB 303); Miss. Code 83-11-101 (text as reproduced in 2026 HB 382, died in committee); Miss. Code 83-11-103(c)(iii) (text as reproduced in 2020 HB 1046); MS Legislature bill status, 2026 HB 382), checked September 22, 2026. Page updated for Mississippi. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.