Mississippi vs South Carolina Car Insurance

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

Quick Verdict

More Affordable

Mississippi is $230/yr cheaper on average.

Fewer Uninsured

South Carolina has a lower uninsured rate (8.9% vs 22.5%).

Rate & Coverage Comparison

Attribute	Mississippi	South Carolina
Avg Annual Premium	$1,780	$2,010
Min Liability	$580	$660
Full Coverage	$1,780	$2,010
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	22.5%	8.9%
Registered Vehicles	2,428,020	4,197,580
Accidents/Year	36,420	62,963
Population	2,961,000	5,119,000

Minimum Coverage Requirements

Mississippi

25/50 / 25 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Mississippi$580 – $1,780

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

South Carolina$660 – $2,010

Liability: $660Avg: $2,010Full: $2,010

MississippiFull rates, age breakdown, requirements →South CarolinaFull 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, Mississippi or South Carolina?

Mississippi has cheaper car insurance, with an average annual premium of $1,780 compared to $2,010 in South Carolina - a difference of $230 per year.

How do Mississippi and South Carolina compare on fault systems?

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

What are the minimum insurance requirements in Mississippi vs South Carolina?

Mississippi requires 25/50 / 25 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $580/yr in Mississippi and $660/yr in South Carolina.

Which state has more uninsured drivers, Mississippi or South Carolina?

Mississippi has a higher uninsured driver rate at 22.5%, compared to 8.9% in South Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Mississippi vs South Carolina 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

Mississippi

South Carolina

Avg Annual Premium

$1,780

$2,010

Min Liability

$580

$660

Full Coverage

$1,780

$2,010

Fault System

At-Fault (Tort)

Uninsured Rate

22.5%

8.9%

Registered Vehicles

2,428,020

4,197,580

Accidents/Year

36,420

62,963

Population

2,961,000

5,119,000