Compare average insurance rates in Laurel for 2026
🏠
Home
$2268
/year
🚗
Auto
$1596
/year
🏥
Health
$547
/month
💰
Life
$26
/month
🏢
Renters
$18
/month
Home Insurance in Laurel, MS
The average cost of homeowners insurance in Laurel, Mississippi is $2,268 per year in 2026. This compares to the state average of $2,700 per year.
$2,268per year (avg in Laurel)
$1428MS avg: $2,700$3276
Factors Affecting Home Insurance in Laurel
🏠
Home Value Average: $160,000
🌪
Weather Risk high
🌊
Flood Zone 18% of properties
📈
Cost Index 0.84 (100 = national avg)
⚠️
Hurricane Zone: Laurel is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$128,000
$64,000
$100,000
$1,701
Standard (HO-3)
$160,000
$80,000
$300,000
$2,268
Premium (HO-5)
$200,000
$120,000
$500,000
$3,061
Auto Insurance in Laurel, MS
The average annual cost of auto insurance in Laurel is $1,596, compared to the Mississippi state average of $1,900.
$1,596per year (avg in Laurel)
$1008MS avg: $1,900$2268
📋
Minimum Coverage in Mississippi: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$877
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,596
Premium
250/500/250
$250 deductible
$250 deductible
$2,074
Health Insurance in Laurel, MS
The average monthly health insurance premium in Laurel is $547 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$547per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$393
$7,000
$9,100
Healthy, low usage
Silver
$547
$4,500
$9,100
Moderate usage
Gold
$683
$1,650
$8,700
Regular medical needs
Platinum
$820
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Laurel
💰 Life Insurance
$26
per month (20-year term, $500K)
Life insurance rates in Mississippi are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $26/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$18
per month (avg in Laurel)
Renters insurance in Laurel covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Laurel
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Laurel, MS is $2,268 per year for a standard HO-3 policy. Rates range from $1,428 to $3,276 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Laurel is $1,596 per year for full coverage. Liability-only coverage averages around $718 per year. Mississippi requires minimum coverage of 25/50/25.
Insurance costs in Laurel are below the national average (cost index: 0.84). Home insurance averages $2,268/yr and auto insurance $1,596/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.84), hurricane exposure, significant flood zones (18% of homes), average home values ($160,000), your personal claims history, credit score, and at-fault insurance laws in Mississippi.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Laurel residents can potentially save $773+ per year.
Mississippi requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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