Key Takeaways
In Mississippi, you are required by law to have car insurance. Every driver must have at least a certain amount of insurance, and they must always have proof of this policy. This proof of coverage must be shown to any police officer who asks for it.
Remember that people who loan or lease a car may have to carry extra physical damage coverage on top of what the state requires.
Here are Mississippi's minimum car insurance standards and extra coverages you can get if you want even more safety.
| Minimum Liability Coverage: 25/50/25 |
|---|
| $25,000 bodily injury per person |
| $50,000 bodily injury per accident |
| $25,000 property damage per accident |
Mississippi's cheapest car insurance provider is Mississippi Farm Bureau, which charges an average of $716 yearly. Allstate is the costliest auto insurance provider in Mississippi, with an average cost of $2416 annually.
If you hear the phrase "car insurance limit," it means the most your insurance company will pay out on a claim. Each state sets its coverage limits, but most insurance will raise them for an extra fee.
Usually, liability limits are broken down into three groups: property loss, bodily injury per person, and bodily injury per accident. Find out more about these three types of service below:
By law, Mississippi only needs drivers to have liability insurance. However, there are other great ways to get more coverage. Most of the time, people choose one of these options:
| Coverage type | Pays for |
|---|---|
| Uninsured and underinsured motorist coverage | This type of insurance covers you if you are hit by a driver who doesn't have insurance or doesn't have enough insurance. |
| Collision insurance* | This coverage takes over if your car is damaged in an accident with another car or item (other than an animal). |
| Comprehensive insurance* | This type of insurance covers your car against any damage that doesn't happen in an accident. This includes risks like being robbed, hurt by the weather, or hitting an animal. When you buy comprehensive and accident coverage together, it's usually called "full coverage." Some lenders or lien holders may require these coverages if you are getting a loan to pay for your car. |
| Medical payments coverage | If you and your passengers get hurt in a car accident, this policy will help pay for your medical bills and other costs. |
| Roadside assistance | If you get stuck on the side of the road, this service will come to your aid. The specifics of the coverage vary from company to company. However, in general, roadside help will fix a flat tire, jump-start a dead battery, and pay for a tow to a nearby garage, among other things. |
| Bodily injury liability | This type of insurance helps pay for the medical bills of people hurt because of an accident you caused. Most states require you to have this coverage, and because Florida only requires a small amount of PIP coverage, it may be a good idea to get it. |
| Rental car reimbursement | Without this coverage, you won't have to worry about getting a rental car while yours is fixed. |
| Loan/lease payoff | This can help pay the difference between how much you still owe on your car loan and how much the car is worth now. It's also called "gap coverage." |
These simple insurance rules are in place in Mississippi to keep you and other drivers safe. You are, however, at risk if you only carry the smallest insurance limits. Even with minor injuries, your body's damage limits can be reached quickly.
This is very important if you hurt more than one person because $50,000 might only cover some things. The same is true for the limits on property damage: $25,000 is not even close to what it costs to buy a new car.
It is strongly suggested that drivers raise their responsibility limits. Most of the time, this can be done with only a small increase in insurance costs. Also, think about adding more coverage.
The following penalties will be imposed on you if you are caught driving in Mississippi without car insurance:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
No, driving without insurance is illegal.
Penalties include fines, license suspension, and potential lawsuits.
Update your insurance within 30 days of moving.
Yes, you can be sued regardless of fault.
No, insurance isn't required for registration but for driving.
Basic insurance covers liability and property damage.
Insurance in Mississippi follows the car, not the driver.
You need a valid driver's license to get car insurance.
No, Mississippi is a "fault" state.
No, PIP coverage is not required.
Yes, Mississippi requires uninsured motorist insurance.
Yes, Mississippi allows for diminished value compensation in some cases.
DUIs typically lead to higher insurance rates or policy cancellations.
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