What's the Average Cost of Car Insurance in Mississippi?

The Zebra
Oct. 11, 2018

Auto insurance is expensive in Mississippi. The average auto insurance price in Mississippi is $1,800 per year — more than the nationwide average by 26.1%.

But auto insurance premiums are affected by more than just state lines. Auto insurance premiums consider myriad factors, including your age, credit rating, driving history, gender, and marital status.

We analyzed average Mississippi car insurance premiums by all of the major rating factors. Read on to learn how much auto insurance costs in your state — or enter your zip code to see personalized rates from top car insurers.


Average Auto Insurance Expenditure in Mississippi by Age

It’s a fact of life: as you age, your auto insurance expenditures change. Generally speaking, auto insurance is more expensive for teenage drivers, as underwriters see inexperienced motorists as more risky.

In Mississippi, car insurance runs $8,989 each year for a 16-year-old driver, and only $1,497 annually for a client in their 50s.


MISSISSIPPI CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage Annual Premium
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



Average Auto Insurance Premiums in Mississippi by Gender

While gender doesn’t have as large an impact on auto insurance premiums as a driver's location or age, it is incorporated as a pricing factor. Women pay less than do men for auto insurance in Mississippi, but the disparity is only $45.84 annually.

MISSISSIPPI CAR INSURANCE RATES FOR MEN AND WOMEN
GenderAverage Annual Premium
Male$1,797.73
Female$1,751.90



Average Car Insurance Rates in Mississippi by Marital Status

One benefit of getting married — in addition to the wedding gifts — is the price cut you may receive on your car insurance policy. In Mississippi, married drivers save $154 annually on auto insurance policies. This is a better deal than the national post-wedding price cut of $76.


MISSISSIPPI AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,797.73
Married$1,643.31
Divorced$1,754.72
Widowed$1,718.69



Average Car Insurance Rates in Mississippi by Credit

Auto insurers rely on credit history to get an idea of how responsible a customer will be. Historical trends suggest motorists who maintain excellent credit scores are usually more reliable auto insurance clients: they less frequently file claims for which insurance companies end up on the hook.

In Mississippi, a driver who carries exceptional credit can save $1,854.51 annually on car insurance rates, compared with a driver with a poor credit score. Learn more about how credit can impact auto insurance outlays:


MISSISSIPPI CAR INSURANCE COSTS BY CREDIT
Credit LevelAverage 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



Average Auto Insurance Costs for Bad Drivers in Mississippi

If you’re determined to be at fault after a car crash or found guilty of a vehicular offense, your auto insurance rates are bound to climb. The more offenses you accrue, the more costly your car insurance policy becomes.

In Mississippi, your first minor at-fault crash leads to a penalty of $730.76 each year in auto insurance payments. A DUI or DWI — among the most serious driving offenses — could increase your annual car insurance costs in Mississippi by as much as $809.41.


MISSISSIPPI CAR INSURANCE PRICES AFTER VIOLATIONS
AgeAverage Yearly Premium
DWI/DUI$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're in need of affordable auto insurance, it's worth shopping policies to get inexpensive coverage that meets your requirements.


Compare rates from Mississippi's best insurers today!

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