Indiana vs Mississippi Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Indiana is $250/yr cheaper on average.

Fewer Uninsured

Indiana has a lower uninsured rate (14.0% vs 22.5%).

Rate & Coverage Comparison

Attribute	Indiana	Mississippi
Avg Annual Premium	$1,530	$1,780
Min Liability	$500	$580
Full Coverage	$1,530	$1,780
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.0%	22.5%
Registered Vehicles	5,564,520	2,428,020
Accidents/Year	83,467	36,420
Population	6,786,000	2,961,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

Mississippi

25/50 / 25 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

Mississippi$580 – $1,780

Liability: $580Avg: $1,780Full: $1,780

IndianaFull rates, age breakdown, requirements →MississippiFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Indiana or Mississippi?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,780 in Mississippi - a difference of $250 per year.

How do Indiana and Mississippi compare on fault systems?

Indiana uses a at-fault (tort) system while Mississippi uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Indiana vs Mississippi?

Indiana requires 25/50 / 25 liability. Mississippi requires 25/50 / 25 liability. Minimum liability costs $500/yr in Indiana and $580/yr in Mississippi.

Which state has more uninsured drivers, Indiana or Mississippi?

Mississippi has a higher uninsured driver rate at 22.5%, compared to 14.0% in Indiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana vs Mississippi insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Indiana

Mississippi

Avg Annual Premium

$1,530

$1,780

Min Liability

$500

$580

Full Coverage

$1,530

$1,780

Fault System

At-Fault (Tort)

Uninsured Rate

14.0%

22.5%

Registered Vehicles

5,564,520

2,428,020

Accidents/Year

83,467

36,420

Population

6,786,000

2,961,000