What renters in Mississippi actually pay for insurance, from the National Association of Insurance Commissioners’ 2023 Homeowners Insurance Report (published July 2026) — plus why hurricanes and tornadoes make it the priciest state in the country, and the two coverage gaps to check.
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Mississippi at a glance
The figures below are the NAIC’s state average HO-4 (renters) premium for Mississippi — total premiums divided by total policies, 2023 policy year, published July 2026.
Average renters premium · Mississippi$263/yr~$12 a month · #1 of 51 states (1 = priciest) · 152% of the US average
$263/yrAverage annual premium (NAIC 2023)
~$22/moMonthly equivalent
152%Of the national average
#1 of 51Price rank (1 = priciest)
Mississippi$263/yrMississippi average · ~$22/mo
+$90/yrvs national average
National average$173/yrAll 50 states + DC
Mississippi vs the country
Mississippi · your state · priciest$263/yr
Louisiana · neighbor$250/yr
Alabama · neighbor$219/yr
Tennessee · neighbor$189/yr
United States average$173/yr
South Dakota · cheapest state$125/yr
How it works: figures are the NAIC’s state average HO-4 (renters) premiums — total premiums divided by total policies, 2023 policy year, published July 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts — a quote for a specific $30k/$100k policy will differ. Nothing you type leaves your device.
How this number is measured
The $263 figure isn’t a quote — it’s what Mississippi renters actually paid on average. The NAIC collects HO-4 (renters) premiums from every insurer, divides by policies in force, and publishes the state average. That makes it the cleanest benchmark available: same method, same policy form, every state, no marketing spin.
Output · formula · meaning
Output
Formula
What it means
Average annual premium
Σ premiums ÷ policies
What the typical Mississippi renter pays per year: $263.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $22.
Index vs US average
state avg ÷ $173 × 100
Mississippi sits at 152% of the national average — 52 points above the typical state.
Price rank
sorted, priciest first
Mississippi is #1 of 51 — the single priciest state for renters insurance.
3 things Mississippi renters should know
No Mississippi law requires renters insurance. The requirement comes from the lease — and many Mississippi landlords require it, often with a liability minimum. Your lease, not the state, is the document that decides.
The coast is why the state average is #1. The Mississippi Gulf Coast — Gulfport, Biloxi, Pascagoula — has been rebuilt through one hurricane after another, and wind claims on renters policies follow. The Mississippi Windstorm Underwriting Association (MWUA) is the state’s insurer of last resort for wind and hail in the coastal counties. If you rent near the water, read the wind/hail line on any quote: coastal wind exclusions are real, and hurricane water that rises from the ground up is never covered by a renters policy (that is a flood policy’s job).
Inland, the peril is tornadoes. Mississippi sits in Dixie Alley, and tornado damage to your belongings is covered as a wind peril under a standard HO-4 policy — the March 2023 Rolling Fork EF4 was a reminder of how fast that peril arrives. One quiet price lever: Mississippi permits credit-based insurance scoring, so your credit history can raise or lower your quote — keep it healthy and shop every renewal.
Who uses this page
Movers: budgeting a move to Mississippi — is $22/month about right for your renters policy?
Lease shoppers: checking whether the number your agent quoted is anywhere near the state average.
Landlords: setting the insurance clause in a lease — know what “typical” costs your tenants.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2023-policy-year averages published in July 2026 — the freshest official data available, but your 2026 quote will differ by ZIP code, building construction, coverage limits, deductible, claims history, and credit-based insurance score (where legal). Treat $263/yr as a benchmark, not a quote. Renters insurance markets move fast in storm states, so treat the figure as a starting point and get live quotes.
Cite this pageBright Side Kit. “Average Renters Insurance Cost in Mississippi.” brightoolbox.com, 2026.Bright Side Kit. "Average Renters Insurance Cost in Mississippi." https://brightoolbox.com/renters-insurance-cost-mississippi/ Accessed October 22, 2026.
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Frequently asked questions
Is renters insurance required in Mississippi?
No state law requires it — no US state mandates renters insurance. Landlords can, and many Mississippi landlords do, require it as a lease condition, often with a liability minimum. If your lease requires it, you need the policy to keep the lease.
How much is renters insurance in Mississippi per month?
The state average premium is about $22 a month ($263 a year) according to NAIC 2023 data — 152% of the national average, ranking 1st of 51 states. Coastal cities like Gulfport and Biloxi run well above the average; inland cities like Jackson run below it.
Why is Mississippi the most expensive state for renters insurance?
Renters premiums track the claims mix on renters policies — theft, fire, water damage, liability, and wind. Mississippi gets hit from both sides: hurricane and tropical-storm exposure on the Gulf Coast, plus one of the country’s most active tornado corridors inland. More wind claims per policy means a higher average premium.
Does Mississippi renters insurance cover tornado and hurricane damage?
Tornadoes and hurricane wind are covered as wind perils — damage to your belongings from wind, hail, and flying debris is covered under a standard HO-4 policy. What’s not covered: flooding and storm surge, which need a separate flood policy (contents-only NFIP coverage works for renters).
What is the Mississippi Windstorm Underwriting Association?
The MWUA is Mississippi’s insurer of last resort — a state-created association that writes wind and hail coverage in the coastal counties where the private market has pulled back. It’s a backstop for the building’s structure; your belongings still need your own renters policy.
What’s the cheapest way to lower my Mississippi renters insurance?
Raise the deductible (after checking the wind/hail deductible line on coastal quotes), bundle with auto, pay annually instead of monthly, and keep your credit strong — Mississippi permits credit-based insurance scoring. The full playbook is in the how to lower your renters insurance guide.