Average insurance rates across 50 cities in Mississippi
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Jackson | 335,171 | $2,268 | $1,596 | $547/mo | $18/mo |
| Gulfport | 228,022 | $2,268 | $1,596 | $547/mo | $18/mo |
| Hattiesburg | 76,501 | $2,268 | $1,596 | $547/mo | $18/mo |
| Southaven | 54,908 | $2,268 | $1,596 | $547/mo | $18/mo |
| Biloxi | 49,141 | $2,268 | $1,596 | $547/mo | $18/mo |
| Olive Branch | 45,938 | $2,268 | $1,596 | $547/mo | $18/mo |
| Tupelo | 37,939 | $2,268 | $1,596 | $547/mo | $18/mo |
| Meridian | 34,990 | $2,268 | $1,596 | $547/mo | $18/mo |
| Greenville | 29,495 | $2,268 | $1,596 | $547/mo | $18/mo |
| Clinton | 27,668 | $2,268 | $1,596 | $547/mo | $18/mo |
| Madison | 27,595 | $2,268 | $1,596 | $547/mo | $18/mo |
| Pearl | 27,255 | $2,268 | $1,596 | $547/mo | $18/mo |
| Horn Lake | 26,652 | $2,268 | $1,596 | $547/mo | $18/mo |
| Oxford | 25,713 | $2,268 | $1,596 | $547/mo | $18/mo |
| Brandon | 25,142 | $2,268 | $1,596 | $547/mo | $18/mo |
Mississippi residents pay an average of $2,700 per year for home insurance and $1,900 for auto insurance. Mississippi follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Mississippi averages $560 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in Mississippi include State Farm, Mississippi Farm Bureau, USAA.
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Policygenius The ZebraThe average home insurance cost in Mississippi is $2,700 per year. Rates range from $1,700 to $3,900 depending on home value, location, and coverage level.
Auto insurance in Mississippi averages $1,900 per year for full coverage. The state minimum coverage is 25/50/25.
Yes, Mississippi has above-average insurance costs, with home insurance at $2,700/yr and auto at $1,900/yr compared to national averages of $2,300 and $1,800 respectively.
Mississippi requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.