Average renters insurance cost in Mississippi
Mississippi is one of the most expensive states for renters insurance, ranking #47 of 50. At $32 a month, renters here pay about 39% more than the national average — a premium driven largely by the state's severe-weather claim history. Even so, it remains one of the cheapest policies you can own.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
Mississippi renters insurance FAQ
How much is renters insurance in Mississippi?
Renters insurance in Mississippi averages $32 per month — about $384 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in Mississippi?
No state law requires renters insurance in Mississippi — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $32 a month.
How can I pay less than $32/month in Mississippi?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.