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Mississippi Homeowners Insurance Quotes
Mississippi has an above average homeowners insurance premiums then the other states, the state is usually ranked in the top 10 for highest home insurance cost in the country. And has ranked on average 5.7 in the country for the past 10 years. That's why shopping for insurance online makes finding affordable coverage easier for homeowners living in the "The Magnolia State". You can compare coverage and cost per carrier to help you narrow down the process on which policy works best for protecting your most valuable investment.
One of the reasons the premiums for Mississippi are higher is because of the lower elevation areas near Gulfport that are on the Gulf Coast which increases the risk of floods and hurricane or wind damage. As a homeowner, it's very important to know that a home insurance policy and a flood insurance policy are separate, the flood insurance policy is not part of a standard homeowners insurance policy so it's important that you speak with your home insurance agent about flood insurance coverage if you are in a flood zone area. Parts of Mississippi with higher elevations will have a reduced premium because the risk factor is lower. Other ways you may be able to save 10% to 25% on your homeowners insurance policy is to install a security alarm in your home.
Average Homeowners Insurance Premiums in Mississippi
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Mississippi homeowners are paying on average. Did you know that the average homeowners insurance premium in Mississippi is $1907? Mississippi is now ranked 7 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Mississippi is 45.46% more than the national average.
| Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
|---|---|---|---|
| 2022 | $1907 (7.7%) | $ 159 | 7 |
| 2021 | $1766 (5.3%) | $ 147 | 7 |
| 2020 | $1674 (3.2%) | $ 140 | 6 |
| 2019 | $1622 (2.8%) | $ 135 | 6 |
| 2018 | $1578 (2.63%) | $ 132 | 8 |
| 2017 | $1537 (0.78%) | $ 128 | 7 |
| 2016 | $1525 (1.12%) | $ 127 | 6 |
| 2015 | $1508 (4.22%) | $ 126 | 6 |
| 2014 | $1447 (3.73%) | $ 121 | 5 |
| 2013 | $1395 (6.16%) | $ 116 | 5 |
When we combine the state averages over the last decade, the Mississippi overall average is estimated to be around $1,728.47. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Mississippi current state rank compare to the rest of the country is #7. Consider shopping your Mississippi home insurance with us so we can help you save up to 40% or more on your policy.
Find Local MS Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Adams
- Alcorn
- Amite
- Attala
- Benton
- Bolivar
- Calhoun
- Carroll
- Chickasaw
- Choctaw
- Claiborne
- Clarke
- Clay
- Coahoma
- Copiah
- Covington
- Desoto
- Forrest
- Franklin
- George
- Greene
- Grenada
- Hancock
- Harrison
- Hinds
- Holmes
- Humphreys
- Issaquena
- Itawamba
- Jackson
- Jasper
- Jefferson
- Jefferson Davis
- Jones
- Kemper
- Lafayette
- Lamar
- Lauderdale
- Lawrence
- Leake
- Lee
- Leflore
- Lincoln
- Lowndes
- Madison
- Marion
- Marshall
- Monroe
- Montgomery
- Neshoba
- Newton
- Noxubee
- Oktibbeha
- Panola
- Pearl River
- Perry
- Pike
- Pontotoc
- Prentiss
- Quitman
- Rankin
- Scott
- Sharkey
- Simpson
- Smith
- Stone
- Sunflower
- Tallahatchie
- Tate
- Tippah
- Tishomingo
- Tunica
- Union
- Walthall
- Warren
- Washington
- Wayne
- Webster
- Wilkinson
- Winston
- Yalobusha
- Yazoo
Mississippi Homeowners Insurance News & Information
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California Homeowners Insurance Quotes: Compare Coverage, Save More & Find Affordable Rates Posted on Thursday 11th June, 2026
Finding affordable California homeowners insurance has become more challenging than ever. Rising rebuild costs, wildfire exposure, changing underwriting guidelines, and carrier availability have caused many homeowners across California to shop their home insurance coverage more frequently to protect both their property and their budget. If you are comparing California home insurance quotes, now is one […]
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North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Tuesday 19th May, 2026
North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]
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California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026
California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]
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Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026
If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]
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Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
Mississippi Housing & Real Estate Data
| Details: | Staticstics |
|---|---|
| Total Housing Units | 1274719 |
| Occupied Housing Units | 1115768 |
| Vacant Housing Units | 158951 |
| Vacant Housing Units for Rent | 44735 |
| Vacant Housing Units Rented Not Occupied | 1920 |
| Vacant Housing Units For Sale | 16886 |
| Vacant Housing Units Sold Not Occupied | 4915 |
| Vacant Housing Units For Seasonal Occasional Use | 28867 |
| Vacant Housing Units All Other Vacants | 61628 |
| Housing Units Homeowner Vacancy Rate Percent | 2.1 |
| Housing Units Rental Vacancy Rate Percent | 11.6 |
| Housing Tenure Occupied Units | 1115768 |
| Housing Tenure Occupied Units Owner Occupied | 777073 |
| Housing Tenure Occupied Units Owner Occupied Population | 2017902 |
| Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.6 |
| Housing Tenure Occupied Units Renter Occupied | 338695 |
| Housing Tenure Occupied Units Renter Occupied Population | 857431 |
| Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.53 |
