Car Insurance in Biloxi, Mississippi
Estimated full coverage in Biloxi runs about $1,650 a year ($137/month) — ▲ +8% versus the Mississippi average, ranking 4th most expensive of the 9 Mississippi cities we cover.
Why car insurance in Biloxi costs more than the Mississippi average
Insurers price by territory, and Biloxi's numbers explain most of the gap. With 48,144 residents on 42.9 square miles, the city's density (1,121 people per square mile) is 7.9 times the density where the typical Mississippi resident lives (142). The average commute is 21.3 minutes (Mississippi: 25.6), and 73% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.09× for comprehensive once FEMA weather risk for Harrison County is included.
| Factor | Biloxi | Mississippi ref. | Why it matters |
|---|---|---|---|
| Population density | 1,121 / sq mi | 142 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.3 min | 25.6 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 72.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.4% | — | Transit use lowers how much residents drive. |
| Work from home | 7.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 91.6 | 85.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Biloxi
Rates can change from one ZIP code to the next. Across 4 Biloxi ZIP codes, our full-coverage estimate ranges from $1,470 in 39534 to $1,760 in 39531. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 39532 | 36,662 | 446 | 22.9 min | 5.7% | $1,595 | −3% |
| 39531 | 18,918 | 2,849 | 23.5 min | 7.4% | $1,760 | +7% |
| 39530 | 7,701 | 1,711 | 19.3 min | 9.8% | $1,660 | +1% |
| 39534 | 1,857 | 1,060 | 8.1 min | — | $1,470 | −11% |
Minimum car insurance in Biloxi
Biloxi drivers follow Mississippi's rules: at least 25/50/25 liability coverage. Mississippi is at-fault (tort). We estimate state-minimum coverage in Biloxi at $570 a year, and $830 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Mississippi does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in auto policies unless it is rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Mississippi's uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Biloxi premiums
Accidents
Mississippi recorded 753 traffic deaths, or 1.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Mississippi's vehicle theft rate is 138 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Harrison County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very high for hurricanes.
Traffic & commuting
3.8% of Biloxi commuters spend an hour or more getting to work, and there are 1.71 vehicles per household. 7.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 87.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 96.0 | Comprehensive; dwelling | |
| Hurricane | 98.5 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 91.6 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 85.4 | Comprehensive; dwelling | |
| Winter weather | 74.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Biloxi by driver profile
A clean-record driver in their 50s pays the least in our Biloxi model (about $1,520 for full coverage); an 18-year-old on their own policy pays about $4,535, and a DUI pushes a 30-something to $3,050.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,570 | $2,280 | $4,535 | $378 |
| Young adult (22) | $915 | $1,325 | $2,640 | $220 |
| Adult in their 30s | $570 | $830 | $1,650 | $138 |
| Adult in their 50s | $525 | $760 | $1,520 | $127 |
| Senior (72) | $640 | $930 | $1,850 | $154 |
| 30s, one at-fault accident | $830 | $1,200 | $2,390 | $199 |
| 30s, DUI on record | $1,055 | $1,535 | $3,050 | $254 |
Minimum vs. standard vs. full coverage in Biloxi
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $570 | $48 | $470–$675 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $830 | $69 | $680–$980 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,650 | $137 | $1,355–$1,945 |
Estimate your premium in Biloxi
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Cheap car insurance in Biloxi: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Biloxi's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 7.0% of Biloxi workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $450 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $820 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $360 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Biloxi
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 4 offices listed below.
- Check complaint records with the Mississippi Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Biloxi, our estimates differ by up to $290 a year between neighborhoods.
Car insurance agents near Biloxi, MS
We found 4 insurance offices within about 5 miles of central Biloxi, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Brandon Jacobs - State Farm
1978 Popps Ferry Rd, Ste A, Biloxi, MS 39532 -
Thomas Reynolds - Allstate
10401 Boney Ave, Ste A, Diberville, MS 39540 -
David Canonici - State Farm
992 Howard Avenue, Biloxi, MS 39530 -
Ronald Tubb - Allstate
13011 Lorraine Rd, Ste A, Biloxi, MS 39532
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Biloxi
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,235 | −25% |
| Subaru Outback | Wagon | $1,240 | −25% |
| Tesla Model 3 | Midsize car | $1,725 | +5% |
| Subaru Forester | Small SUV | $1,215 | −26% |
| Honda Civic | Compact car | $1,860 | +13% |
| Toyota Corolla | Compact car | $1,745 | +6% |
| Jeep Wrangler | Midsize SUV | $1,345 | −18% |
| Mazda CX-5 | Small SUV | $1,385 | −16% |
| MINI Cooper | Subcompact car | $1,245 | −25% |
| Tesla Model Y | Midsize SUV | $1,550 | −6% |
Car insurance in nearby Mississippi cities
- Gulfport $1,675/yr · 8 mi
- Hattiesburg $1,565/yr · 65 mi
- Laurel $1,555/yr · 88 mi
- Meridian $1,555/yr · 136 mi
- Jackson $1,640/yr · 151 mi
- Tupelo $1,525/yr · 266 mi
- Olive Branch $1,655/yr · 317 mi
- Southaven $1,695/yr · 318 mi
All Mississippi cities and state rules · Homeowners insurance in Biloxi
Frequently asked questions
How much is car insurance in Biloxi, MS?
We estimate full coverage in Biloxi at about $1,650 a year ($137 a month) for a driver in their 30s with a clean record, and about $570 for Mississippi's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Biloxi more expensive than the Mississippi average?
Our Biloxi estimate is 8% higher than the statewide figure. The model reflects a population density of 1,121 people per square mile (the typical Mississippi resident lives at about 142) and an average commute of 21.3 minutes versus 25.6 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Biloxi?
Drivers in Biloxi follow Mississippi law: at least 25/50/25 liability coverage.
Which ZIP code in Biloxi has the cheapest car insurance?
Among Biloxi's 4 ZIP codes, 39534 has the lowest estimate (about $1,470 a year for full coverage) and 39531 the highest (about $1,760), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Biloxi?
An 18-year-old with their own full-coverage policy would pay around $4,535 a year in Biloxi by our estimate ($1,570 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Biloxi?
Yes. FEMA's National Risk Index rates Harrison County for hurricane (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Biloxi?
We list 4 insurance offices in and around Biloxi, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Mississippi Insurance Department: Auto Insurance
- Mississippi Insurance Department: Automobile Insurance shopping tool
- Mississippi Insurance Department: personal auto filing review requirements (UM rejection)
- Mississippi Insurance Department: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Biloxi and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places