Who Has The Cheapest Motorcycle Insurance Quotes In Mississippi?

Mississippi is a state in the South with nearly 3 million residents. It is bordered to the west by the Mississippi River, an iconic flow of water through the Midwest to the Mississippi Delta and the Gulf of Mexico. Outside of its southern coastline, the state is heavily forested and has a number of large cities. It occasionally snows in Mississippi but the majority of the year the state has great weather for motorcycle riding. We gathered motorcycle insurance quotes from across the state to determine which places has the best rates. After collecting data from four major insurance carriers for a sample 45-year-old rider and policy (bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage), we found that quotes for the most expensive place were 34.7% higher than the cheapest.

Cheapest Motorcycle Insurance In Mississippi

In Mississippi, the data from the four insurance carriers showed the average annual quote for motorcycle insurance in the state was $521. The average annual rate in the state from some companies was closer to the state average than others. Nationwide and Progressive had average motorcycle insurance quotes in Mississippi of $504 and $554, respectively. Dairyland had the most expensive average annual premium with $838. GEICO had the cheapest motorcycle insurance rates, by far. The average annual GEICO rate quoted for our sample rider and policy was only $189. Prospective policyholders should keep in mind that cheap rates are just one of the things to consider when choosing an insurance company. The best motorcycle insurance companies offer cheap rates in conjunction with other perks. For instance, some insurance companies have high coverage limits covering custom parts, and some offer accident forgiveness. To get the best motorcycle insurance, you'll want to think about the types of perks that are important to you.

The company with the cheapest motorcycle insurance rates in Mississippi was GEICO, followed by Nationwide, Progressive and Dairyland.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Mississippi: By City

Motorcycle insurance rates in Mississippi’s five largest cities are unlike those in the five largest cities of other states. Typically, the most populous cities in a state all have some of the highest premiums but that wasn’t the case in Mississippi. Out of the Magnolia State’s five biggest cities, Jackson and Hattiesburg had rates near the state average, at 4% and 2%. Southaven has rates well below the state average, at 11%. Gulfport and Biloxi both had motorcycle insurance quotes that were 20% higher than the average cost of motorcycle insurance in Mississippi.

RankCityAverage Annual RateDifference vs State Average
1 Jackson $540 4%
2 Gulfport 625 20%
3 Southaven 464 -11%
4 Hattiesburg 531 2%
5 Biloxi 625 20%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Jackson, MS

The capital and largest city of Mississippi had motorcycle insurance quotes near the state average. Jackson, located in central Mississippi, has more than 173,000 residents and is on the Pearl River, which empties into the Gulf of Mexico. The slogan for the capital is the “City of Soul,” after the many famous jazz and gospel musicians who lived in and played in the city throughout history. Jackson is also a good place to own a bike. The average motorcycle insurance quote for our sample policy and rider was only 4% higher than the state average.

Gulfport, MS

Gulfport has more than 71,000 residents, making it the second largest city in Mississippi. It is on the southern coast of the state, between Long Beach and Biloxi. Although the area was settled in the mid-19th century, a U.S. Post Office wasn’t established until 1910. Gulfport's local economy has diversified since its beginning as a lumber port. It now attracts many tourists and, as home to the Naval Construction Battalion Center, is one of the country's military construction centers. Motorcycle insurance rates in Gulfport were 20% higher than the state average for our sample policy and rider.

Southaven, MS

In the very northwest corner of Mississippi is Southaven, a city of about 48,000 residents and a suburb of Memphis, Tennessee across the nearby border. The city has more than a dozen parks and a large outdoor amphitheater that has hosted Dave Matthews Band, Kenny Chesney, The White Stripes, ZZ Top and other musicians. Motorcycle insurance premiums in Southaven are some of the best in the state, too. Quotes for our sample policy and rider were 11% lower than the state average.

Hattiesburg, MS

Just north of the De Soto National Forest in southern Mississippi is the city of Hattiesburg. The city was founded in 1882 and incorporated two years later with only 400 residents but today it has more than 46,000. It is home to the University of Southern Mississippi and Camp Shelby, the largest military reserve training facility in the U.S. Motorcycle insurance quotes in Hattiesburg were only 2% higher than the Mississippi average.

Biloxi, MS

East of Gulfport, Mississippi is Biloxi, a city with more than 44,000 residents. The coastal city is a popular tourist spot known for its beaches, fishing, casinos and museums. Biloxi is also in the process of revitalizing many waterfront areas. Motorcycle insurance rates in Biloxi were 20% higher than the Mississippi average.

Average Motorcycle Insurance Rates in Mississippi: By City

The place in Mississippi with the most expensive motorcycle insurance premiums had rates that were 34.7% higher than the cheapest place, according to our analysis. To reach that conclusion, our study gathered sample motorcycle insurance quotes of a sample policy and rider from four major insurance carriers.

The average motorcycle insurance quote in Mississippi for the ValuePenguin sample policy and rider was $521.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 53 municipalities and census-designated places in the state of Mississippi. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley-Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs. State Average
16 Aberdeen $524 1%
23 Ackerman 531 2%
1 Batesville 464 -11%
51 Bay Saint Louis 625 20%
17 Belzoni 524 1%
50 Biloxi 625 20%
24 Brookhaven 531 2%
25 Carthage 531 2%
5 Clarksdale 474 -9%
6 Cleveland 474 -9%
45 Clinton 540 4%
26 Columbia 531 2%
2 Columbus 464 -11%
15 Corinth 480 -8%
27 Eupora 531 2%
28 Forest 531 2%
21 Greenville 530 2%
7 Greenwood 474 -9%
53 Gulfport 625 20%
29 Hattiesburg 531 2%
30 Hazlehurst 531 2%
14 Hernando 474 -9%
8 Holly Springs 474 -9%
4 Horn Lake 464 -11%
31 Houston 531 2%
46 Jackson 540 4%
32 Kosciusko 531 2%
33 Laurel 531 2%
34 Leakesville 531 2%
35 Louisville 531 2%
43 Madison 534 2%
36 Mccomb 531 2%
9 Meridian 474 -9%
Mississippi Average 521 0%
37 Monticello 531 2%
22 Natchez 530 2%
10 Olive Branch 474 -9%
18 Oxford 524 1%
47 Pascagoula 540 4%
52 Pass Christian 625 20%
49 Pearl 540 4%
19 Philadelphia 524 1%
38 Picayune 531 2%
44 Ridgeland 534 2%
11 Senatobia 474 -9%
3 Southaven 464 -11%
12 Starkville 474 -9%
13 Tunica 474 -9%
39 Tupelo 531 2%
48 Vicksburg 540 4%
20 Water Valley 524 1%
40 Waynesboro 531 2%
41 West Point 531 2%
42 Wiggins 531 2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Comments and Questions