What is the Average Cost of Auto Insurance in Mississippi?

Car insurance is expensive in Mississippi. The average auto insurance price in Mississippi is $1,800 annually — 26.1% more than the US average.

But car insurance prices are dictated by factors aside from state lines. Car insurance rates incorporate a number of factors, including the insured party's age, gender, marital status, credit, and driving history.

We analyzed average Mississippi car insurance rates by each of the primary rating factors. Read on to see how much car insurance costs in your state — or enter your ZIP code to receive unique prices from popular insurance companies.

Average Mississippi car insurance rates by:

1. Age
2. Gender
3. Marital status
4. Credit score
5. Driving violations
6. Coverage level

 

Mean Auto Insurance Prices in Mississippi by Age Group

It's unavoidable: as you age, your auto insurance rates change. Typically, auto insurance is pricier for young drivers, as auto insurance companies view inexperienced motorists as riskier.

In Mississippi, auto insurance costs $8,989 each year for a 16-year-old driver, and only $1,497 yearly for a driver aged from 50 to 60.

MISSISSIPPI CAR INSURANCE PRICES BY AGE BRACKET

Age	Average Yearly Rate
16	$8,988.94
17	$8,053.25
18	$6,716.83
19	$4,406.64
20s	$2,420.58
30s	$1,758.49
40s	$1,593.93
50s	$1,497.00
60s	$1,495.99
70s	$1,771.44

If you're shopping for car insurance for a teen driver, Mississippi is the 6th most expensive state in which to buy auto insurance for a 16-year-old.

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Average Auto Insurance Premiums in Mississippi by Gender

While gender doesn’t have as sizable an impact on car insurance prices as a driver's location or age, it is incorporated as a rating factor by underwriters.

 

MISSISSIPPI CAR INSURANCE PREMIUMS BY GENDER

Gender	Average Yearly Rate
Male	$1,797.73
Female	$1,751.90

If you think about getting the best value for your money with your active auto insurance company, the best option is to shop around and compare rates.

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Average Car Insurance Premiums in Mississippi by Marital Status

One benefit of getting married — aside from the honeymoon — is the better deal you typically receive on car insurance. In Mississippi, married motorists save $154 per year on car insurance policies. This is more than the national mean of $76.

MISSISSIPPI AUTO INSURANCE RATES BY MARITAL STATUS

Marital Status	Average Annual Rate
Single	$1,797.73
Married	$1,643.31
Divorced	$1,754.72
Widowed	$1,718.69

Auto insurance for divorced drivers in Mississippi is the 7th most expensive in the nation. If you are paying too much for your car insurance, do some shopping. You could find a great policy for less!

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Median Car Insurance Costs by Coverage Tier in Mississippi

The amount you are charged monthly for car insurance is dependent on the level of coverage you select. Liability-only coverage typically costs less, while low-deductible comprehensive coverage costs more. In Mississippi, the price gap between liability-only coverage and full coverage with a $500 deductible is $956.

MISSISSIPPI CAR INSURANCE RATES BY COVERAGE TIER

Coverage Level	Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only	$816
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,597
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,777
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only	$697
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,482
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,662
State Minimum — Liability Only	$603
State Minimum — $1,000 Comprehensive/Collision	$1,379
State Minimum — $500 Comprehensive/Collision	$1,559

If you're facing above-average car insurance payments, consider shopping to get affordable insurance coverage that meets state regulations.

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Average Car Insurance Costs in Mississippi by Credit Tier

Car insurance companies use credit score as a way of determining how reliable a customer will be. Data show drivers who maintain superior credit are often more dependable auto insurance customers: they are less likely to file claims covered by auto insurance.

In Mississippi, a motorist who has outstanding credit saves $1,854.51 per year in auto insurance premiums, contrasted with a driver who has a bad credit rating. Read more about how credit score can affect auto insurance expenses:

MISSISSIPPI CAR INSURANCE COSTS BY CREDIT TIER

Credit Quality	Average Annual Rate
Very Poor (300-579)	$3,410.32
Fair (580-669)	$2,816.16
Good (670-739)	$2,305.62
Very Good (740-799)	$1,883.26
Exceptional (800-850)	$1,555.81

Finding cheap auto insurance with a poor credit score can be tough. But The Zebra is here to help out. Read our guide to finding auto insurance with poor credit and save!

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Average Car Insurance Costs for High-Risk Drivers in Mississippi

If you’re determined to be at fault after an accident or found guilty of a driving offense, your auto insurance costs are bound to grow. The more offenses you accumulate, the more expensive your car insurance becomes.

In Mississippi, your first at-fault fender bender will cost you $730.76 each year in car insurance payments. A DWI — considered one of the most serious driving infractions — may boost your insurance rates in Mississippi by an average of $809.41.

MISSISSIPPI AUTO INSURANCE RATES AFTER OFFENSES

Violation	Average Annual Premium
DUI or DWI	$2,609.46
Reckless Driving	$2,600.93
At-Fault Accident (<$1,000)	$2,530.81
At-Fault Accident ($1,000-$2,000)	$1,895.53
At-Fault Accident (>$2,000)	$2,530.81
Open Container	$1,666.95
Speeding (21-25 MPH > limit)	$1,625.48
Speeding (16-20 MPH > limit)	$1,654.55

If you are looking for a better deal on auto insurance, think about shopping to find affordable insurance coverage that meets your requirements.