Best and cheapest home insurance in Mississippi for 2024

State Farm offers the best home insurance in Mississippi among carriers surveyed by Insurance.com. The cheapest home insurance company in Mississippi is Southern Farm Bureau, at an average of $2,361 a year.Jump to calculator

Written by Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.

Data checked by Brent Buell

Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker's license and is a Chartered Property Casualty Underwriter (CPCU).

Reviewed by John McCormick

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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State Farm is the best home insurance company in Mississippi, with an overall rating of 4.86. Nationwide is the second-best company, with an overall rating of 3.99.

Southern Farm Bureau offers the cheapest home insurance in Mississippi at $2,361 a year for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.

With so many options out there, it is not easy to choose a homeowners insurance company in Mississippi. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

• The average cost of homeowners insurance in Mississippi is $3,380 a year or $282 a month.
• The cheapest homeowners insurance company in Mississippi is Southern Farm Bureau. It offers home insurance at an average of $2,361 a year.
• State Farm ranked the best home insurance company in Mississippi.

• Average home insurance cost in Mississippi
• Best home insurance companies in Mississippi
• Cheapest home insurance companies in Mississippi
• Mississippi home insurance rates by ZIP code
• Compare Mississippi homeowners insurance rates with other states

Average home insurance cost in Mississippi

The average cost of homeowners insurance in Mississippi is $3,380 a year or $282 a month. This is based on coverage of:

• $300,000 dwelling
• $300,000 liability
• $1,000 deductible.
• 2% Hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Mississippi homeowners insurance companies to get the best deal.

Best home insurance companies in Mississippi

The best home insurance company in Mississippi is State Farm, followed by Nationwide and Farmers.

Below is a full list of the top Mississippi insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Cheapest home insurance companies in Mississippi

Below are Mississippi home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, Southern Farm Bureau has the most affordable rates in most categories by a considerable margin.

*USAA only provides coverage to military members, veterans and their families.

Mississippi home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Mississippi to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

Least expensive

The Mississippi Insurance Department says.

If you provide insurance information at the time you applied for an [wind] inspection and you are eligible for an insurance discount based on the inspection of your home, you will receive a mitigation form completed and signed by the MID-approved inspector who conducted your free wind inspection. Your wind inspection report will give you an estimate of the discounts you might receive on the wind portion of your homeowners insurance premium. Savings will vary depending on the improvements you make.

The most expensive ZIP codes in Mississippi for home insurance

Mississippi homeowners insurance rates are the most expensive for ZIP code 39581, with an average annual cost of $5,689.

The most expensive ZIP codes in Mississippi are in these cities: