🏠 Home insurance cost in Mississippi (2026)
The estimated average is $3,565 per year — above the national average (+55% vs. the U.S. average of $2,300).
Mississippi is home to about 2.9 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Jackson typically differ from smaller towns.
Estimate your home insurance in Mississippi
Mississippi home insurance estimator
Starts from the Mississippi average. Estimate only — get quotes to confirm.
Home insurance cost in Mississippi cities
Mississippi home insurance FAQ
How much is home insurance in Mississippi?
The estimated average home insurance in Mississippi is $3,565 per year, which is above the national average (+55% vs. the U.S. average of $2,300). Mississippi ranks 8 of 51 states from most to least expensive.
Why is home insurance expensive in Mississippi?
Home insurance pricing in Mississippi reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Mississippi?
Compare at least three quotes from insurers active in Mississippi, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.