Compare car insurance rates across all 50 states. See average premiums, cheapest and most expensive states, and what factors drive costs in your area.
Mississippi Insurance Guide
Recently updated
Insurance in Mississippi
Find comprehensive insurance information for Mississippi (MS) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Mississippi (MS) |
| Region | Southeast |
| Population | ~2.9M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Mississippi Department of Insurance |
Health Insurance in Mississippi
Mississippi residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Mississippi
Mississippi has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Mississippi
Protect your home with coverage tailored to Mississippi’s specific risks and requirements.
Life Insurance in Mississippi
Find life insurance options available to Mississippi residents to protect your family’s financial future.
How Mississippi Compares
Understanding how Mississippi stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Mississippi | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,678 | $1,935 | -13% (above average) |
| Health Insurance (monthly) | $756 | $477 | +58% (well above average) |
| Home Insurance (annual) | $2,456 | $2,377 | +3% (well above average) |
| Uninsured Rate | 12.6% | 9.5% | +33% (well below average) |
Key Insights
- Health insurance benchmark premiums rank #43 highest. Premium tax credits can significantly reduce costs for eligible residents.
- Homeowners insurance ranks #42 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
- The uninsured rate is among the highest in the country (#44). Marketplace plans with subsidies can help close this gap.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Mississippi Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Mississippi (opens in new tab) - Federal health insurance marketplace for Mississippi
- Mississippi Windstorm Underwriting Association (opens in new tab) - Wind coverage for coastal properties
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Mississippi address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Mississippi Insurance Department
- Phone
- 601-359-3569
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Mississippi?
Mississippi requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Mississippi does not require uninsured motorist coverage, but it’s recommended.
How do I get health insurance in Mississippi?
Mississippi uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Mississippi has not expanded Medicaid, so marketplace plans with premium tax credits are important for coverage. Mississippi has one of the higher uninsured rates in the nation.
Does Mississippi homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal Mississippi properties may have separate wind/hurricane deductibles and may require coverage through the Mississippi Windstorm Underwriting Association.
Is flood insurance required in Mississippi?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given Mississippi’s Gulf Coast exposure and river flooding risks, flood insurance is strongly recommended for all homeowners in the state.
What is the average cost of car insurance in Mississippi?
Mississippi drivers pay approximately $1,500-$1,800 per year for full coverage auto insurance, which is above the national average. The Gulf Coast region and Jackson metro area have higher rates than rural areas.
No FAQs match your search. Try different keywords or .
[mississippi] Insurance Types
Compare insurance options available to [mississippi] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Mississippi:
Related Articles (3)
Compare health insurance premiums across all 50 states. See ACA marketplace costs, employer plan averages, and what drives health coverage prices in your area.
Compare homeowners insurance rates across all 50 states. See average premiums, disaster risk impacts, and what drives home insurance costs in your area.