Best Homeowners Insurance in Mississippi for 2026
State Farm has the best home insurance overall, but Farmers may have more discounts
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- State Farm has the most affordable home insurance policies in Mississippi.
- The average home insurance for a typical home in Mississippi costs $3,154 per year, which is 20% higher than the national average.
- Mississippi has an average of 111.8 tornadoes per year. Damage from severe weather events, like tornadoes, contribute to the state’s higher home insurance rates.
Best homeowners insurance in Mississippi
State Farm earns our top spot as the best overall home insurance in Mississippi thanks to its cheap rates and solid ratings across our study categories, which also included discount offerings, coverage options, third-party customer service ratings and app/website experience.
Other insurers we highlight also have competitive rates in Mississippi and stand out for other key features, such Allstate for its extensive coverage options and Farmers for its wide range of discounts.
Best overall: State Farm
Average annual rate: $2,040
Why we chose it: State Farm’s average rates are the cheapest in the state and are even lower than the national average of $2,628. Considering the potential for property damage given Mississippi’s geography and climate, finding a reputable insurer with affordable rates like that is key. State Farm offers the lowest rates even for homeowners who have higher-value homes.
State Farm’s above-average ratings in the 2025 U.S. Home Insurance Study by JD Power and the strong financial health of the company can also offer peace of mind. It does, however, get about 40% more consumer complaints than other companies its size, according to the National Association of Insurance Commissioners (NAIC)
Who it’s best for: State Farm is best for homeowners looking for affordable coverage from a trusted company.
PROS
- Cheapest average rates in the state
- Large network of offices and agents
- User-friendly digital tools and account management
CONS
- Limited opportunities for discounts
- Higher-than-average number of customer complaints
Best for coverage options: Allstate
Average annual rate: $2,210
Why we chose it: Not only does Allstate have some of the cheapest rates in the state, it also offers a wide range of coverage options that make it easier for homeowners to personalize their policies to fit their specific needs. For example, the electronic data recovery and business property coverages may be especially helpful if you operate a small business out of your home. Allstate also has the cheapest rates for new homes and offers a solid selection of discounts.
Who it’s best for: Allstate is best for homeowners of every home value who need specific coverages and a more personalized policy.
PROS
- Broad range of coverage options to meet specific needs
- Highly rated website and app usability
- Some of the cheapest rates in the state
CONS
- Higher-than-average customer complaint rating
- May be more challenging to get claims approved
Best for discounts: Farmers
Average annual rate: $3,590
Why we chose it: Though more expensive than the state average, Farmers offers 12 discount opportunities to help homeowners bring down their costs. You could save money, for instance, if you have smart home features, install a new roof and make your payments in full. It also gets 30% fewer customer complaints than other companies its size, which indicates homeowners are generally happy with its service and claims process.
Who it’s best for: Farmers is best for homeowners who can qualify for multiple discounts.
PROS
- Great selection of discounts to help bring down costs
- Guaranteed replacement cost coverage is available
- Easy to get a quote, pay online and manage account
CONS
- Fewer coverage add-ons than some competitors
- Financial strength may be lower than some larger carriers
- More expensive than average
Compare home insurance rates and ratings in Mississippi
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $2,040 | 4/5 | 1.4 |
| Allstate | $2,210 | 4/5 | 1.2 |
| Farmers | $3,590 | 3.5/5 | 0.7 |
 | Farm Bureau | $3,612 | 3.5/5 | 0.6 |
 | Nationwide | $4,512 | 3.5/5 | 1.2 |
 | USAA** | $2,961 | 4/5 | 0.5 |
**USAA is only available to current and former members of the military and their families.
In Mississippi, rates can vary significantly between insurers — comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Mississippi ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Mississippi?
The average cost of an annual home insurance policy in Mississippi is $3,154, which comes to about $262 per month.
That’s 20% higher than the national average of $2,628 per year, or $219 per month.
What’s most likely keeping rates high is the state’s threat of extreme weather damage from things like tornadoes, tropical cyclones, coastal storm surges, wildfire and flooding. The overall losses from these events can reach up to a billion dollars or more. Construction costs have also increased in recent years. With a greater number of claims, insurance companies need to charge more to help cover their costs.
Average home insurance rates by dwelling coverage amount
When comparing insurance premiums, be aware that the price is dependent on a number of factors including how much coverage you need for your dwelling.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $1,737 | $2,040 | $2,431 | $2,894 |
| Allstate | $1,704 | $2,210 | $3,059 | $4,197 |
| Farmers | $2,606 | $3,590 | $5,104 | $6,955 |
| State average | $2,466 | $3,154 | $4,085 | $5,272 |
Home insurance rates in Mississippi by city
Mississippi cities have a wide range of home insurance rates from the least expensive average annual cost of $2,605 to the most expensive, $7,891.
The highest insurance rates are found in Gautier, Pearlington and Pascagoula. Gautier and Pascagoula are located right on the Gulf Coast, putting them at a higher risk for hurricanes and coastal flooding. Pearlington’s low elevation makes it prone to flooding, and it’s where Hurricane Katrina made landfall in 2015 and destroyed most of the homes.
Less-expensive areas for home insurance in Mississippi include Starkville, neighboring Mississippi State and Verona, which are inland and safer from potential storm surges.
| City | Average rate |
|---|---|
| Abbeville | $2,872 |
| Aberdeen | $2,777 |
| Ackerman | $2,714 |
| Alcorn State University | $3,206 |
| Algoma | $2,747 |
| Alligator | $2,976 |
| Amory | $2,780 |
| Anguilla | $3,009 |
| Arcola | $2,884 |
| Arkabutla | $2,870 |
| Arnold Line | $3,646 |
| Artesia | $2,698 |
| Ashland | $2,782 |
| Avon | $2,874 |
| Bailey | $2,790 |
| Baldwyn | $2,742 |
| Banner | $2,713 |
| Bassfield | $3,323 |
| Batesville | $2,877 |
| Bay Springs | $2,919 |
| Bay St. Louis | $4,099 |
| Beaumont | $3,921 |
| Becker | $2,832 |
| Beechwood | $3,067 |
| Belden | $2,644 |
| Bellefontaine | $2,694 |
| Belmont | $2,851 |
| Belzoni | $2,964 |
| Benoit | $2,995 |
| Benton | $3,183 |
| Bentonia | $3,208 |
| Beulah | $2,985 |
| Big Creek | $2,687 |
| Biloxi | $4,203 |
| Blue Mountain | $2,726 |
| Blue Springs | $2,755 |
| Bogue Chitto | $3,215 |
| Bolton | $3,187 |
| Booneville | $2,770 |
| Boyle | $2,936 |
| Brandon | $2,975 |
| Braxton | $3,251 |
| Brookhaven | $3,277 |
| Brooklyn | $3,827 |
| Brooksville | $2,914 |
| Bruce | $2,697 |
| Buckatunna | $3,273 |
| Bude | $3,169 |
| Burnsville | $2,844 |
| Byhalia | $2,833 |
| Byram | $3,187 |
| Caledonia | $2,750 |
| Calhoun City | $2,708 |
| Camden | $3,180 |
| Canton | $3,034 |
| Carriere | $3,365 |
| Carrollton | $3,003 |
| Carson | $3,267 |
| Carthage | $3,001 |
| Cary | $2,858 |
| Cascilla | $2,861 |
| Cedarbluff | $2,871 |
| Centreville | $3,212 |
| Charleston | $2,821 |
| Chatawa | $3,111 |
| Chatham | $2,973 |
| Chunky | $2,826 |
| Clara | $3,246 |
| Clarksdale | $2,892 |
| Cleveland | $2,877 |
| Clinton | $3,059 |
| Cloverdale | $3,076 |
| Coahoma | $2,866 |
| Coffeeville | $2,734 |
| Coila | $3,006 |
| Coldwater | $2,901 |
| Collins | $3,220 |
| Collinsville | $2,809 |
| Columbia | $3,497 |
| Columbus | $2,694 |
| Columbus AFB | $2,693 |
| Como | $2,931 |
| Conehatta | $2,952 |
| Corinth | $2,706 |
| Courtland | $2,870 |
| Crawford | $2,874 |
| Crenshaw | $2,976 |
| Crosby | $3,155 |
| Crowder | $2,916 |
| Cruger | $3,066 |
| Crystal Springs | $3,180 |
| D Lo | $3,202 |
| D’Iberville | $4,086 |
| Daleville | $2,843 |
| Darling | $2,969 |
| De Kalb | $2,838 |
| Decatur | $2,826 |
| DeLisle | $4,047 |
| Delta City | $2,984 |
| Dennis | $2,857 |
| Derma | $2,705 |
| Diamondhead | $3,709 |
| Doddsville | $2,932 |
| Drew | $2,838 |
| Dublin | $2,886 |
| Duck Hill | $2,763 |
| Dumas | $2,727 |
| Duncan | $2,981 |
| Dundee | $2,954 |
| Durant | $3,092 |
| Eastabuchie | $3,354 |
| Ecru | $2,768 |
| Edwards | $3,254 |
| Elliott | $2,788 |
| Ellisville | $3,410 |
| Enid | $2,887 |
| Enterprise | $2,886 |
| Escatawpa | $3,907 |
| Ethel | $2,904 |
| Etta | $2,744 |
| Eupora | $2,713 |
| Falkner | $2,752 |
| Farmington | $2,715 |
| Farrell | $2,953 |
| Fayette | $3,196 |
| Fernwood | $3,065 |
| Flora | $3,114 |
| Florence | $3,090 |
| Flowood | $2,990 |
| Forest | $3,118 |
| Foxworth | $3,865 |
| French Camp | $2,778 |
| Friars Point | $2,987 |
| Fulton | $2,720 |
| Gallman | $3,255 |
| Gattman | $2,815 |
| Gautier | $7,891 |
| Georgetown | $3,247 |
| Glen | $2,760 |
| Glen Allan | $2,993 |
| Glendora | $2,854 |
| Gloster | $3,166 |
| Golden | $2,778 |
| Goodman | $3,115 |
| Gore Springs | $2,878 |
| Grace | $3,104 |
| Greenville | $2,860 |
| Greenwood | $2,868 |
| Greenwood Springs | $2,837 |
| Grenada | $2,816 |
| Gulf Hills | $4,472 |
| Gulf Park Estates | $4,472 |
| Gulfport | $4,190 |
| Gunnison | $3,031 |
| Guntown | $2,698 |
| Hamilton | $2,793 |
| Harperville | $3,051 |
| Harrisville | $3,282 |
| Hattiesburg | $3,597 |
| Hazlehurst | $3,260 |
| Heidelberg | $3,051 |
| Helena | $3,929 |
| Hermanville | $3,284 |
| Hernando | $2,762 |
| Hickory | $2,836 |
| Hickory Flat | $2,785 |
| Hide-A-Way Lake | $3,346 |
| Hillsboro | $3,100 |
| Holcomb | $2,858 |
| Hollandale | $2,910 |
| Holly Bluff | $3,153 |
| Holly Springs | $2,857 |
| Horn Lake | $2,741 |
| Houlka | $2,858 |
| Houston | $2,847 |
| Hurley | $4,493 |
| Independence | $2,772 |
| Indianola | $2,888 |
| Inverness | $2,965 |
| Isola | $3,049 |
| Itta Bena | $2,913 |
| Iuka | $2,844 |
| Jackson | $3,253 |
| Jayess | $3,248 |
| Jonestown | $2,797 |
| Kilmichael | $2,755 |
| Kiln | $3,636 |
| Kokomo | $3,832 |
| Kosciusko | $2,958 |
| Lake | $3,134 |
| Lake Cormorant | $2,829 |
| Lakeshore | $4,000 |
| Lamar | $2,797 |
| Lambert | $2,942 |
| Latimer | $3,618 |
| Lauderdale | $2,787 |
| Laurel | $3,118 |
| Lawrence | $3,004 |
| Leakesville | $3,960 |
| Leland | $2,898 |
| Lena | $3,113 |
| Lexington | $3,173 |
| Liberty | $3,151 |
| Little Rock | $2,825 |
| Long Beach | $4,273 |
| Lorman | $3,200 |
| Louin | $2,982 |
| Louise | $3,119 |
| Louisville | $2,833 |
| Lucedale | $3,518 |
| Ludlow | $3,052 |
| Lula | $2,860 |
| Lumberton | $3,329 |
| Lyman | $3,662 |
| Lynchburg | $2,748 |
| Lyon | $2,962 |
| Maben | $2,762 |
| Macon | $2,894 |
| Madden | $2,936 |
| Madison | $2,996 |
| Magee | $3,319 |
| Magnolia | $3,115 |
| Mantachie | $2,734 |
| Mantee | $2,770 |
| Marietta | $2,754 |
| Marion | $2,729 |
| Marks | $2,903 |
| Mathiston | $2,709 |
| Mayersville | $3,063 |
| Mayhew | $2,733 |
| Mc Adams | $2,980 |
| Mc Call Creek | $3,110 |
| Mc Carley | $2,980 |
| Mc Cool | $2,901 |
| Mc Henry | $3,239 |
| Mc Neill | $3,421 |
| McComb | $3,031 |
| McLain | $3,940 |
| Meadville | $3,098 |
| Memphis Stc | $2,855 |
| Mendenhall | $3,303 |
| Meridian | $2,779 |
| Merigold | $3,022 |
| Metcalfe | $2,933 |
| Michigan City | $2,854 |
| Midnight | $3,064 |
| Minter City | $2,895 |
| Mississippi State | $2,614 |
| Mississippi Valley State University | $2,946 |
| Mize | $3,010 |
| Monticello | $3,288 |
| Montpelier | $2,816 |
| Mooreville | $2,708 |
| Moorhead | $2,934 |
| Morgan City | $2,972 |
| Morgantown | $3,040 |
| Morton | $3,021 |
| Moselle | $3,382 |
| Moss | $2,930 |
| Moss Point | $4,364 |
| Mound Bayou | $2,887 |
| Mount Olive | $3,249 |
| Mount Pleasant | $2,765 |
| Myrtle | $2,752 |
| Natchez | $3,057 |
| Neely | $3,818 |
| Nellieburg | $2,748 |
| Nesbit | $2,756 |
| Nettleton | $2,785 |
| New Albany | $2,697 |
| New Augusta | $3,607 |
| New Houlka | $2,854 |
| New Site | $2,811 |
| Newhebron | $3,407 |
| Newton | $2,834 |
| Nicholson | $3,266 |
| North Carrollton | $2,991 |
| North Tunica | $2,870 |
| Noxapater | $3,006 |
| Oak Vale | $3,320 |
| Oakland | $2,786 |
| Ocean Springs | $4,466 |
| Okolona | $2,821 |
| Olive Branch | $2,780 |
| Osyka | $3,415 |
| Ovett | $3,533 |
| Oxford | $2,806 |
| Pace | $2,929 |
| Pachuta | $2,870 |
| Panther Burn | $2,989 |
| Parchman | $2,848 |
| Paris | $2,851 |
| Pascagoula | $4,559 |
| Pass Christian | $4,047 |
| Pattison | $3,277 |
| Paulding | $2,955 |
| Pearl | $3,077 |
| Pearl River | $2,728 |
| Pearlington | $5,700 |
| Pelahatchie | $3,079 |
| Perkinston | $3,275 |
| Petal | $3,616 |
| Pheba | $2,812 |
| Philadelphia | $2,718 |
| Philipp | $2,883 |
| Picayune | $3,328 |
| Pickens | $3,191 |
| Piney Woods | $3,207 |
| Pinola | $3,382 |
| Pittsboro | $2,714 |
| Plantersville | $2,713 |
| Pontotoc | $2,804 |
| Pope | $2,892 |
| Poplarville | $3,454 |
| Port Gibson | $3,230 |
| Porterville | $2,869 |
| Potts Camp | $2,896 |
| Prairie | $2,847 |
| Prentiss | $3,319 |
| Preston | $2,860 |
| Puckett | $3,155 |
| Pulaski | $3,101 |
| Purvis | $3,667 |
| Quitman | $2,854 |
| Raleigh | $3,093 |
| Randolph | $2,840 |
| Rawls Springs | $3,625 |
| Raymond | $3,134 |
| Red Banks | $2,814 |
| Redwater | $2,971 |
| Redwood | $3,189 |
| Rena Lara | $2,889 |
| Richland | $3,012 |
| Richton | $3,594 |
| Ridgeland | $3,032 |
| Rienzi | $2,773 |
| Ripley | $2,747 |
| Robinhood | $3,061 |
| Robinsonville | $2,893 |
| Rolling Fork | $3,012 |
| Rome | $2,884 |
| Rose Hill | $2,923 |
| Rosedale | $3,035 |
| Roxie | $3,151 |
| Ruleville | $2,834 |
| Ruth | $3,287 |
| Sallis | $3,074 |
| Saltillo | $2,658 |
| Sandersville | $3,166 |
| Sandhill | $3,020 |
| Sandy Hook | $3,425 |
| Sarah | $2,921 |
| Sardis | $2,924 |
| Satartia | $3,121 |
| Saucier | $3,510 |
| Schlater | $2,841 |
| Scobey | $2,769 |
| Scooba | $2,871 |
| Scott | $2,934 |
| Sebastopol | $2,991 |
| Seminary | $3,403 |
| Senatobia | $2,846 |
| Shannon | $2,692 |
| Sharon | $3,151 |
| Shaw | $2,976 |
| Shelby | $2,934 |
| Sherard | $2,911 |
| Sherman | $2,781 |
| Shubuta | $2,954 |
| Shuqualak | $2,943 |
| Sibley | $3,124 |
| Sidon | $2,821 |
| Silver City | $3,075 |
| Silver Creek | $3,340 |
| Slate Spring | $2,727 |
| Sledge | $2,946 |
| Smithdale | $3,153 |
| Smithville | $2,840 |
| Snow Lake Shores | $2,781 |
| Sontag | $3,314 |
| Soso | $3,117 |
| Southaven | $2,717 |
| St. Martin | $3,496 |
| Star | $3,084 |
| Starkville | $2,605 |
| State Line | $3,493 |
| Steens | $2,739 |
| Stewart | $2,733 |
| Stoneville | $2,940 |
| Stonewall | $2,848 |
| Stringer | $2,921 |
| Sturgis | $2,816 |
| Summit | $3,006 |
| Sumner | $2,853 |
| Sumrall | $3,733 |
| Sunflower | $2,957 |
| Swan Lake | $2,796 |
| Swiftown | $2,895 |
| Taylor | $2,777 |
| Taylorsville | $3,045 |
| Tchula | $3,188 |
| Terry | $3,206 |
| Thaxton | $2,800 |
| Thomastown | $2,906 |
| Tie Plant | $2,860 |
| Tillatoba | $2,853 |
| Tinsley | $3,042 |
| Tiplersville | $2,706 |
| Tippo | $2,841 |
| Tishomingo | $2,853 |
| Toccopola | $2,861 |
| Toomsuba | $2,800 |
| Tougaloo | $3,117 |
| Trebloc | $2,850 |
| Tremont | $2,743 |
| Tunica | $2,882 |
| Tupelo | $2,652 |
| Tutwiler | $2,872 |
| Tylertown | $3,542 |
| Union | $2,828 |
| Union Church | $3,235 |
| University | $2,777 |
| Utica | $3,208 |
| Vaiden | $2,960 |
| Valley Park | $3,123 |
| Van Vleet | $2,850 |
| Vance | $2,861 |
| Vancleave | $3,738 |
| Vardaman | $2,702 |
| Vaughan | $3,171 |
| Verona | $2,638 |
| Vicksburg | $3,097 |
| Victoria | $2,708 |
| Vossburg | $2,956 |
| Walls | $2,754 |
| Walnut | $2,764 |
| Walnut Grove | $3,025 |
| Walthall | $2,711 |
| Washington | $3,137 |
| Water Valley | $2,713 |
| Waterford | $2,834 |
| Waveland | $4,225 |
| Waynesboro | $3,260 |
| Wayside | $2,935 |
| Webb | $2,830 |
| Weir | $2,871 |
| Wesson | $3,283 |
| West | $3,030 |
| West Hattiesburg | $3,641 |
| West Point | $2,739 |
| Wheeler | $2,693 |
| Whitfield | $3,159 |
| Wiggins | $3,564 |
| Winona | $2,741 |
| Winstonville | $2,845 |
| Winterville | $2,901 |
| Woodland | $2,847 |
| Woodville | $3,187 |
| Yazoo City | $3,098 |
Current state of homeowners insurance in Mississippi
Mississippi is a Gulf Coast state, so homeowners, especially those living on the coast, face an increased risk of tropical cyclones, hurricane-level winds and flooding. The state is also part of “Dixie Alley,” so it can also get up to 100 or more tornadoes a year. These weather-related risks mean it’s especially important for Mississippi homeowners to be sure they have dependable home insurance coverage.
Extreme weather is likely one of the key reasons why the average cost of home insurance in Mississippi is $3,154 (for $400,000 in dwelling coverage). Though well above the national average of $2,628 per year, it’s still less expensive than the average costs found in regional neighbors such as Arkansas ($3,902), Alabama ($3,614) and Tennessee ($3,757). Louisiana is the only one that has a slightly lower average rate of $2,903 per year.
As far as trends, Mississippi home insurance rates have increased by about 32% between 2021 and 2025. That’s much less than the national increase of 47.9% over the same time period.
The average home size in Mississippi is 2,065 square feet, while the average age of homes is 41 years old. Home age and size are important considerations when it comes to finding the right level of coverage.
How to compare homeowners insurance in Mississippi
When comparing options, don’t just look at rates. Also consider:
- Coverage limits: Make sure your home is fully covered.
- Deductibles: Higher deductibles can lower premiums.
- Exclusions: Check what isn’t covered (like floods).
- Add-ons: Consider extra coverage for high-value items.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by the state of Mississippi; however, it is almost always a lender requirement if you get a mortgage. But having home coverage is a smart move even on a fully paid-off home, especially if you live in an area that is a high risk for tornadoes or other storm damage. Home insurance protects you from the financial drain that repairing or rebuilding your home could cost you.
The average home insurance policy in Mississippi is higher than the national average, most likely because of the risk of extreme weather. Mississippi averages more than 110 tornadoes per year, while parts of the state sit along the Gulf Coast, making it susceptible to hurricanes and coastal flooding.
Mississippi offers a FAIR (Fair Access to Insurance Requirements) plan via the Mississippi Residential Property Insurance Underwriting Association. A FAIR plan is state-backed insurance coverage of last resort, meaning it’s coverage for homeowners who are unable to find a policy through regular private companies. The Mississippi Windstorm Underwriting Association also offers additional coverage for homes that may be vulnerable to coastal wind and hurricane risks.
Methodology
How we chose the best homeowners insurnace in Mississippi
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Mississippi ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military, spouses and children of USAA members and employees of certain federal agencies.