Ram 1500 Insurance in Mississippi
Rates from $46 – $77/mo minimum coverage, $184 – $306/mo full coverage. Compare top MS carriers below.
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Updated June 2026 · Source: Mississippi DOI + IQ rate model
Average monthly premium — 2024 Ram 1500, Mississippi
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ram 1500 drivers in Mississippi
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ram 1500 insurance costs what it does in Mississippi
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~12% vs comparable vehicles not on the list. Anti-theft discounts can offset most of it.
High parts and labor costs raise collision premiums materially.
Mississippi requires 25/50/25 liability minimums. The state's ~29% uninsured-driver rate is the highest in the country, which makes UM/UIM coverage mandatory in practice (even though the state allows you to reject it). Hurricane exposure on the Gulf Coast keeps comprehensive premiums elevated.
Frequently asked questions
01How much is Ram 1500 insurance in Mississippi?
Mississippi drivers of a 2024 Ram 1500 pay about $184 – $306 per month for full coverage, or roughly $46 – $77 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed 1500?
Yes. If your 1500 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Mississippi law itself only requires the state liability minimums (25/50/25), but the lender's contract overrides that.
03What's the cheapest carrier for a 1500 in Mississippi?
Cheapest varies by driver profile, but in Mississippi the major carriers most often quoting the lowest premiums for a 1500 are GEICO, Progressive, and State Farm. Regional carriers (Shelter and Mississippi Farm Bureau) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the 1500's theft rate raise my comprehensive premium?
Yes, modestly. The Ram 1500 ranks #8 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your MS carrier offers.
05Does Mississippi require SR-22 after a DUI for a 1500?
After a DUI, Mississippi requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a 1500 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.