Auto Insurance in Mississippi — Average Cost 2026
Average auto insurance in Mississippi: $1,740/year ($145/month). Mississippi ranks #27 out of 51 states — below the national average.
Average annual
$1,740
Average monthly
$145
National rank
#27
of 51 states
vs national avg
-2.2%
Mississippi vs national average
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Auto insurance in Mississippi
Mississippi sits 2% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Mississippi tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Mississippi drivers hundreds of dollars annually.