Mississippi Auto Insurance Rates
Median premium: $883/6mo across 10 carriers and 531 ZIP codes.
Premiums range from $660 to $2,193 — a 3.3x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$883
per 6 months
ZIP Codes
531
with rate data
Carriers
10
rated in MS
Price Spread
3.3x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $583 | 531 ZIPs | 100% | |
| 2 | Shelter Insurance | $713 | 0 ZIPs | 0% | |
| 3 | State Farm | $745 | 0 ZIPs | 0% | |
| 4 | Progressive | $810 | 0 ZIPs | 0% | |
| 5 | Farmers | $875 | 0 ZIPs | 0% | |
| 6 | Nationwide | $891 | 0 ZIPs | 0% | |
| 7 | Travelers | $907 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $932 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,053 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,322 | 0 ZIPs | 0% |
1
$583USAA#1 in 531 ZIPs (100%)
2
$713Shelter Insurance#1 in 0 ZIPs (0%)
3
$745State Farm#1 in 0 ZIPs (0%)
4
$810Progressive#1 in 0 ZIPs (0%)
5
$875Farmers#1 in 0 ZIPs (0%)
6
$891Nationwide#1 in 0 ZIPs (0%)
7
$907Travelers#1 in 0 ZIPs (0%)
8
$932Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,053Allstate#1 in 0 ZIPs (0%)
10
$1,322GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Mississippi
| City | Avg Median | ZIPs |
|---|---|---|
| Ashland | $660 | 1 |
| Dumas | $660 | 1 |
| Falkner | $660 | 1 |
| Lamar | $660 | 1 |
| Michigan City | $660 | 1 |
Most Expensive Cities in Mississippi
| City | Avg Median | ZIPs |
|---|---|---|
| Picayune | $1,465 | 1 |
| Nicholson | $1,465 | 1 |
| Mc Neill | $1,465 | 1 |
| Carriere | $1,465 | 1 |
| Woodville | $1,397 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,465/6mo
39466 (Picayune)
Cheapest ZIP
$660/6mo
38603 (Ashland)
3.3x
Price Spread
The most expensive ZIP in Mississippi costs 3.3x more than the cheapest. Your ZIP code matters more than you think.
Mississippi Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Mississippi
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Access ZIP-level rate data across all 10 carriers, 531 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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