The average renters insurance in Mississippi is $387 per year — that's 34% above the U.S. average of $288, the 3rd most expensive of 51 states.
| Mississippi average | $387 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | +34% (+$99/yr) |
| Rank (most expensive) | 3rd of 51 |
Mississippi sits in the South and ranks 3rd of 51 for renters insurance cost. The main driver is Gulf hurricane and severe-storm risk — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Mississippi Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in Mississippi is about $387 per year as of 2026 — 34% above the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Mississippi ranks 3rd out of 51 for renters insurance cost. Rates run high largely because of Gulf hurricane and severe-storm risk.
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.