Are Car Insurance Prices Going Up or Down in Mississippi?

Personal experience has taught many drivers that auto insurance costs usually rise each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

Geographic location is among the primary rating factors used by insurance companies to set premiums. The ZIP code, city, and state in which a car is stored and operated are weighed when setting car insurance rates, depending on state laws and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, yearly price trends vary by state. Auto insurance prices might be rising annually in a given state but decreasing in a neighboring state.

See below auto insurance rate trends in Mississippi. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison engine generates auto insurance rates based on your specific profile — enter your ZIP below to get started.

Auto insurance rate trends in Mississippi

In Mississippi, average annual auto insurance costs decreased by $12 over the past year. The usual driver in Mississippi now pays an average premium of $1,537 per year.

The trend in Mississippi leans toward less expensive car insurance. Between 2015 and 2018, rates went down by $13 each year. At the same time, auto insurance rates across the United States have risen in recent years, increasing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Mississippi Yearly Change — Mississippi Avg. Annual Premium — US Yearly Change — USA
2018 $1,537 -$12 $1,470 $32
2017 $1,549 -$153 $1,437 $69
2016 $1,702 $152 $1,368 $88
2015 $1,550 $398 $1,280 $51
2014 $1,152 $68 $1,229 $34
2013 $1,084 -$285 $1,195 -$80
2012 $1,369 $246 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.

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How are auto insurance rates trending in the most populous Mississippi cities?

Auto insurance prices are set at the local level, with myriad variables influencing premiums in the area. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. As an example, drivers in Meridian faced a bigger year-over-year rate increase (6.7%) than their intrastate neighbors in Jackson (6.0%) between 2018 and 2017.

See below yearly rates of change in the largest cities in Mississippi If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.

City Avg. Premium Increase — 2018 vs. 2017
Meridian 6.7%
Jackson 6.0%
Gulfport 6.0%
Hattiesburg 5.9%
Biloxi 5.9%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance