Mississippi vs Texas Car Insurance

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

Quick Verdict

More Affordable

Mississippi is $160/yr cheaper on average.

Fewer Uninsured

Texas has a lower uninsured rate (14.1% vs 22.5%).

Rate & Coverage Comparison

Attribute	Mississippi	Texas
Avg Annual Premium	$1,780	$1,940
Min Liability	$580	$640
Full Coverage	$1,780	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	22.5%	14.1%
Registered Vehicles	2,428,020	23,899,720
Accidents/Year	36,420	358,495
Population	2,961,000	29,146,000

Minimum Coverage Requirements

Mississippi

25/50 / 25 liability

Texas

30/60 / 25 liability

Premium Comparison

Mississippi$580 – $1,780

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

MississippiFull rates, age breakdown, requirements →TexasFull 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 Texas?

Mississippi has cheaper car insurance, with an average annual premium of $1,780 compared to $1,940 in Texas - a difference of $160 per year.

How do Mississippi and Texas compare on fault systems?

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

What are the minimum insurance requirements in Mississippi vs Texas?

Mississippi requires 25/50 / 25 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $580/yr in Mississippi and $640/yr in Texas.

Which state has more uninsured drivers, Mississippi or Texas?

Mississippi has a higher uninsured driver rate at 22.5%, compared to 14.1% in Texas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Mississippi vs Texas 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

Texas

Avg Annual Premium

$1,780

$1,940

Min Liability

$580

$640

Full Coverage

$1,780

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

22.5%

14.1%

Registered Vehicles

2,428,020

23,899,720

Accidents/Year

36,420

358,495

Population

2,961,000

29,146,000