Mississippi auto insurance averages - $1,199.53 per year in 2023, ranked #19 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Mississippi's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,199.53 ▲13.1% | $637 |
| 2022 | $1,060.90 ▲5.7% | $574 |
| 2021 | $1,003.89 ▲2.5% | $552 |
| 2020 | $979.31 ▲0.2% | $540 |
| 2019 | $977.79 | $546 |
Evidence lead: Year-by-year shape
Mississippi's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Every annual step in Mississippi's 2019–2023 series is positive. The latest move, from 2022 to 2023, is +13.1%; the largest absolute step occurs in 2023 at +13.1%. This pattern is a continuous rise in the reported averages, not a forecast that the sequence will continue.
Five-year movement
The 2019-to-2023 comparison for Mississippi is +22.7%, the #13 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
2023 cost position
Mississippi sits at #19 of 51 with $1,199.53 in average expenditure. It is outside the top-ten extreme but remains in the upper portion of the 2023 distribution. The measure reflects the coverage mix actually purchased in the state, so it should be read as a market benchmark rather than a price prediction.
Coverage-component signature
Mississippi's most distinctive 2023 component is comprehensive: $314.13, or 26.1% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Substantial registry context
Mississippi's separate complaint layer covers 48 companies with 6,767 recorded complaints. That is #22 for company breadth and #22 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Mississippi's closest peers in this dataset are California ($1,223.16) and Oregon ($1,170.31), both within a few dollars of Mississippi's own $1,199.53.
Note on state comparisons: These averages reflect the mix of coverages purchased in Mississippi, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
