Who Has The Cheapest Motorcycle Insurance Quotes In Mississippi?

Who Has The Cheapest Motorcycle Insurance Quotes In Mississippi?

If you're looking to ride your motorcycle around Mississippi, it's mandatory to have motorcycle insurance but it doesn't have to be expensive. We found the cheapest annual rate for motorcycle insurance in the state to be just $189.

Compare Motorcycle Insurance Quotes from Providers in Mississippi

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We studied dozens of insurance companies and their quotes to determine the best motorcycle insurers in the state. Use the quote box above, or keep reading for our analysis of the top motorcycle insurers in Mississippi.

Cheapest Motorcycle Insurance In Mississippi

Geico offers the most affordable motorcycle insurance options for riders in Mississippi.
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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.


Average Annual Rate
Difference vs State Average











*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.


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% Difference vs. State Average








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

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