Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Mississippi apart
At-fault; high uninsured rate (~29%) raises everyone's UM cost.
Minimum vs. full coverage in Mississippi
What each coverage level costs on the Mississippi average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $750 | $62 |
| Liability Only | $1,220 | $102 |
| Full | $2,210 | $184 |
| Full Low Deductible | $2,700 | $225 |
Minimum coverage saves about $1,461/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Mississippi car insurance FAQ
- What's the minimum car insurance required in Mississippi?
- Mississippi's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $750/yr but leaves you exposed above those caps.
- How much is full coverage in Mississippi?
- Representative full coverage averages $2,211/yr (about $184/mo), ranking Mississippi #34 of 51 states for cost.
- Why is Mississippi car insurance priced the way it is?
- At-fault; high uninsured rate (~29%) raises everyone's UM cost.