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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to get affordable renters insurance in Mississippi

Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters policy protects belongings in the event of smoke or fire damage, wind damage, vandalism, theft and a number of other situations.

Unlike auto insurance, renters insurance isn't governed by state legislation. Regardless, there are often differences in renters insurance prices by state. Renters insurance policy prices by state vary based on the frequency of — and value of — renters insurance claims filed in that particular state, and depend on the value of the belongings insured on the policy.

Getting renters insurance in Mississippi is more expensive than the national average. The typical annual renters insurance rate in Mississippi is $327, $142 more expensive than the average across the nation.

The easiest way to acquire cheap renters insurance in Mississippi is to compare rates from as many companies as possible. Learn more about average renters insurance rates in Mississippi via the below breakdown. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Mississippi by company

Prices for renters insurance in Mississippi will vary depending on which insurer you use. USAA provides the most affordable renters policies in Mississippi, at just $84 each year. This compares favorably to the state's average cost of $327, offering a 74% price break on average policy costs statewide.

Start looking for a renters policy by reviewing the most affordable Mississippi renters insurance carriers, listed below.


Carrier Average Annual Rate in Mississippi
USAA $84
Mississippi Farm Bureau $202
State Farm $203
Safeco $243
MetLife $263

Mississippi renters insurance costs by city

Not all Mississippi cities have the same renters insurance rates. Prices depend on city-specific variables like the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The best renters insurance rates in Mississippi are in Olive Branch. A typical renters insurance term in Olive Branch totals just $304 every 12 months — $150 less than the state average. The below table shows the best places to live in Mississippi if you’re looking for cheap renters insurance.

City Average Annual Renters Insurance Rate
Olive Branch $304
Horn Lake $304
Tupelo $305
Southaven $307
Columbus $308

Renters insurance in MS by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Mississippi, the average annual cost difference between these tiers is about $159. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Annual Renters Insurance Rate in Mississippi
$25K Property $247
$50K Property $406

Tip: bundle auto and renters insurance in Mississippi

If you're trying to save on insurance, consider holding your car and renters policies with the same insurance company. A renters and car insurance bundle in Mississippi can lead to substantial savings on auto insurance. In fact, bundling policies in Mississippi may generate average annual savings of $115.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,537 $1,422 $115 8%

Mississippi renters insurance FAQs


Is renters insurance required in Mississippi?

Renters insurance is not mandatory in the state of Mississippi, but your landlord may require that you carry it as a part of your rental agreement.

What does Mississippi renters insurance cover?

A renters policy provides liability coverage, protection for the contents of your home, medical payments to others, and loss of use coverage. These options may vary depending on the policy and insurance company you choose.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.