Mississippi Car Insurance: The Complete 2025 Guide
Navigate insurance in America's poorest state—where affordability challenges meet high uninsured rates.
Mississippi Quick Facts
🤯 The Mississippi Bind
Mississippi has the lowest median household income ($48,610) in America but the 3rd highest uninsured driver rate (22.8%). This creates a vicious cycle: low-income residents can't afford insurance, driving up rates for those who can. UM/UIM coverage isn't optional here—it's survival.
Mississippi Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $25,000 | Damage to other vehicles |
| Uninsured Motorist | Required to be offered | ESSENTIAL with 22.8% uninsured |
Average Car Insurance Costs in Mississippi
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $624 | $52 |
| Full Coverage | $1,920 | $160 |
Costs by Mississippi City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Jackson | $2,380 | +24% |
| Gulfport/Biloxi | $2,180 | +14% |
| Hattiesburg | $1,840 | -4% |
| Tupelo | $1,720 | -10% |
| Rural Mississippi | $1,580 | -18% |
Mississippi-Specific Considerations
Hurricane Season
Coastal Mississippi faces significant hurricane risk. Comprehensive coverage is essential for Gulf Coast residents. Some insurers have separate wind/hail deductibles (typically 2-5% of coverage).
Pure Comparative Fault
Mississippi follows "pure comparative fault"—even if you're 99% at fault, you can still recover 1% of damages. This plaintiff-friendly rule leads to more litigation and higher premiums.
Credit Score Impact
Mississippi allows credit-based insurance scoring. Given the state's economic challenges, many residents face higher premiums due to credit factors.
Top Car Insurance Companies in Mississippi
State Farm
Largest insurer in Mississippi. Strong agent network statewide.
GEICO
Often cheapest rates. Online-first service.
Progressive
Good for drivers with violations. Snapshot telematics.
Direct Auto
Non-standard carrier. Good for high-risk drivers.
Bottom Line: Mississippi Car Insurance
With nearly 1 in 4 drivers uninsured, Mississippi presents real financial risk. UM/UIM coverage is non-negotiable—without it, you're gambling your finances every time you drive.
Shop State Farm, GEICO, and Progressive. Jackson has the highest rates; rural areas and northern Mississippi are significantly cheaper.