Auto Insurance Requirements in Mississippi for 2025 (MS Minimum Coverage)
Auto insurance requirements in Mississippi mandate 25/50/25 coverage. The average Mississippi auto insurance costs $20 per month. To comply with Mississippi auto insurance laws, drivers should compare Mississippi auto insurance quotes from different providers to find the best coverage and savings.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Apr 3, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 3, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Auto insurance requirements in Mississippi are 25/50/25 for BIL and PDL coverage, which means drivers must have at least this amount to drive legally.
The minimum coverage, rate factors, and how to get the best car insurance in Mississippi are discussed below. Companies like USAA, Geico, and State Farm offer some of the cheapest rates, but your price will depend on your age, driving record, and vehicle type.
Mississippi Auto Insurance Minimum Coverage Requirements| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Whether you need basic liability insurance or full coverage, comparing Mississippi auto insurance rates can help you find the best deal.
- Auto insurance requirements in Mississippi are 25/50/25 for BIL and PDL coverage
- To avoid penalties, drivers must carry at least the minimum required coverage
- Comparing MS auto insurance rates helps find the best coverage and savings
Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
Mississippi Minimum Coverage Requirements & What They Cover
In Mississippi, drivers must follow the Mississippi car insurance requirements to legally drive. These auto insurance requirements in Mississippi make sure all drivers have basic financial protection in case of an accident.
The Mississippi auto insurance laws require at least the following:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
These Mississippi car insurance requirements help protect both the driver at fault and the other people involved. Bodily Injury Liability pays for medical bills, lost wages, and other costs for anyone hurt in an accident caused by the insured driver.
Brad Larson Licensed Insurance Agent
Property Damage Liability covers repairs or replacement costs for the other person’s car or property.
For a better review of car insurance in Mississippi, it’s a good idea to look at more coverage options beyond the minimum to stay fully protected.
Read more: Best Car Insurance for Safe Drivers in Mississippi
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Cheapest Auto Insurance in Mississippi
If you need affordable car insurance that meets the Mississippi minimum auto insurance requirements, USAA has the lowest rates for those who qualify. Geico is the second cheapest, and State Farm comes in third.
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A.M. Best Rating
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18,154 reviewsCompany Facts
Min. Coverage in Mississippi
A.M. Best Rating
Complaint Level
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18,154 reviewsThe average cost of car insurance in Mississippi depends on where you live. Say, for example, Biloxi drivers pay roughly $35 per month, for instance, while in Jackson, it’s around $38 per month.
The lowest rates are in Starkville and Meridian at $34 per month. These rates are based on Mississippi auto insurance rates for minimum coverage, which every driver must have to legally drive.
Mississippi Min. Coverage Auto Insurance Monthly Rates by City| City | Rates |
|---|---|
| Biloxi | $35 |
| Brandon | $39 |
| Corinth | $36 |
| D'Iberville | $37 |
| Gulfport | $37 |
| Hattiesburg | $36 |
| Jackson | $38 |
| Meridian | $34 |
| Natchez | $38 |
| Olive Branch | $37 |
| Pascagoula | $36 |
| Southaven | $39 |
| Starkville | $34 |
| Tupelo | $36 |
| Vicksburg | $35 |
To find the best deal, compare different providers and look for discounts. Knowing the average Mississippi auto insurance costs can help you choose affordable coverage that meets the Mississippi auto insurance requirements while keeping you protected on the road.
Read more: Full Coverage Auto Insurance
Additional Coverage Options to Consider in Mississippi
Mississippi auto insurance coverage is more than just following the auto insurance requirements in Mississippi—it helps keep you protected on the road.
While liability auto insurance in Mississippi is required by law, other options like collision and comprehensive coverage can give you extra protection. The sections below explain these coverage options and why they matter.
Liability Coverage
Liability insurance pays for injuries or property damage you cause to others in an accident. It does not cover your own injuries or car damage. This coverage is required under Mississippi auto insurance law.
The law requires minimum coverage of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage per accident. However, getting higher coverage limits can give you better financial protection in a serious accident.
Since car insurance rates in Mississippi vary based on coverage, increasing your limits may raise your premium. But as a policyholder having more coverage can help you avoid large out-of-pocket costs if an accident happens.
Read more: Liability Limits: 250,000/500,000 vs 500,000/500,000
Collision Coverage
Collision coverage assists in paying for repairs to your vehicle if you collide with another car or object. Although it is not mandatory, it is advisable to have it, particularly if you have a newer or more expensive vehicle. The Mississippi auto insurance guide states that collision coverage can prevent you from paying for expensive repairs.
For example, if another car suddenly cuts into your lane and hits yours, you’d have to pay for the repairs out of pocket without this coverage. But if you have collision coverage, your insurance will help cover the cost of repairs, making it less of a financial burden.
Although MS state law on car insurance doesn’t require collision coverage, having it gives you extra protection and peace of mind.
Read more: 10 Best Car Insurance Companies for Collision Coverage
Comprehensive Coverage
Comprehensive coverage protects against non-collision-related damages to your vehicle, such as theft, vandalism, weather events, or hitting an animal. Like collision coverage, comprehensive coverage is not mandatory but may be advisable depending on the value of your vehicle.
Living in Mississippi, you may face various risks that could damage your car outside of a collision. For example, severe weather events like hurricanes or hailstorms can cause significant damage to your vehicle.
With comprehensive coverage, you can have peace of mind knowing that your insurance will help cover the costs of repairing or replacing your car if it’s damaged by such events.
Additionally, comprehensive coverage can also protect you against theft or vandalism. Unfortunately, car theft and break-ins can happen anywhere, and having comprehensive coverage can provide financial protection in such unfortunate situations.
Having the right Mississippi auto insurance coverage helps protect you from more than just accidents. While following the auto insurance requirements in Mississippi is the law, adding collision and comprehensive coverage can give you extra financial security.
Michael Leotta Insurance Operations Specialist
Whether it’s a crash, bad weather, or theft, the right coverage can help you avoid big out-of-pocket costs and keep you better protected.
Read more: Comprehensive vs. Non-Comprehensive Coverage
Penalties for Driving Without Insurance in Mississippi
Lacking Mississippi car insurance will result in severe punishment. These rules make sure all drivers are financially responsible if an accident happens.
- Fines: You could pay anywhere from a few hundred to several thousand dollars.
- License Suspension: The Mississippi Department of Public Safety may suspend your driver’s license until you show proof of insurance.
- Vehicle Impoundment: The Police may impound your car until you get proper coverage.
- SR-22 Requirement: You may have to file an SR-22 form to prove you have insurance for a certain period.
To avoid these penalties, make sure you have the required coverage. Shopping around for Mississippi auto insurance quotes can help you find a good deal. Having the best auto insurance in Mississippi not only keeps you legal but also protects you financially if something goes wrong on the road.
Read more: How a DUI Affects Your Car Insurance Policy & SR-22 Insurance Forms
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Understanding Auto Insurance
Auto insurance is required for every driver. It can cover you for things if you get into an accident, your car is stolen, or you unintentionally damage someone else’s property.
Without it, you’ll be spending a lot of money and maybe even get into legal trouble. The following are explanations of why auto insurance is necessary and the different types of coverage you can choose.
Auto Insurance Explained
Auto insurance is a contractual agreement between a policyholder and an insurance company that provides financial protection against damage, theft, liability, and other losses related to the insured vehicle.
In exchange for paying a premium, the insurance company agrees to cover the costs associated with covered incidents up to the policy’s limits.
When we discuss auto insurance, there are different types of coverage that can be purchased. These include liability coverage, which covers damages to other people in an accident that you cause, and collision coverage, which covers damages to your own car in the event of a collision.
Read more: Do I need multiple policies to get enough coverage?
Reasons Why Auto Insurance is Important
Auto insurance covers repairs to your car, medical expenses, and lawyer’s fees if you are involved in an accident. Otherwise, you would have to pay for everything yourself, and that can be very costly.
If you crash, auto insurance can help fix your car and cover medical expenses. Also, driving without insurance is illegal in many places and can lead to fines, a suspended license, or other penalties.
Having auto insurance gives you peace of mind. Whether it’s a small dent or a big accident, it keeps you from paying huge costs on your own.
Auto insurance is significant because it safeguards you from huge bills if anything happens to your vehicle. It covers your repair, medical, and legal fees, so you don’t pay for them all out of pocket. Also, having car insurance keeps you out of jail and makes you feel comfortable that you’re insured on the road.
Read more: Best Car Insurance After an Accident in Mississippi
Factors Affecting Auto Insurance Rates in Mississippi
A few factors influence Mississippi auto insurance rates, such as age, experience behind the wheel, records of accidents, and the type of vehicle you own.
Younger and inexperienced drivers typically pay more, whereas older drivers with a good driving record receive lower premiums. Knowing these factors can help you get the best auto insurance for your situation.
Age and Driving Experience
Age and experience play an important role in Mississippi auto insurance premiums. Young and inexperienced drivers tend to pay a premium as they are more likely to be involved in an accident. While they have fewer miles behind the wheel, they have less skill and haven’t yet learned defensive driving techniques
Older and more experienced drivers usually pay less for auto insurance because they have a history of safe driving. Insurance companies look at statistics that show younger drivers are more likely to speed or drive under the influence.
This makes it riskier for them to insure, so they have higher premiums. However, as younger drivers gain experience and show they can drive safely, their auto insurance rates usually go down.
Explore our average auto insurance rates by age and gender guide to see how age and experience impact your premium and how to save.
Driving Record and Claims History
The second equally significant factor that determines the cost of auto insurance in Mississippi is an individual’s driving history and claims. A good driving history with no tickets or claims is deemed a good indicator of safe driving. Thus, those with a good driving history can expect to pay less for auto insurance.
Conversely, a record of accidents, traffic citations, or repeated automobile insurance claims would result in an increase in premium. These incidents are red flags for insurers because they indicate a greater likelihood of future accidents or claims.
Higher risk entails greater expense for the insurance firm, and this is covered by the policyholder through higher premiums.
Check out how long violations stay on your driving record to learn how past infractions impact your insurance rates.
Vehicle Make and Model
While age and driving record are personal factors that influence auto insurance rates, the type of vehicle you drive also plays a big role. Insurance companies consider the make and model of your vehicle when determining your premiums.
Cars with high safety ratings and lower theft rates usually have lower auto insurance premiums. Safer vehicles are less likely to be involved in accidents or stolen, reducing the insurance company’s risk.
On the other hand, expensive or high-performance vehicles may have higher premiums due to increased repair costs and greater risks of theft or accidents. These vehicles often require specialized parts and repairs, which can be more expensive for insurance companies to cover.
When looking at a vehicle’s make and model, insurance companies also consider factors such as the vehicle’s age, condition, and overall market value. All these factors help insurers assess the potential risk of insuring a particular vehicle and adjust the premiums accordingly.
Read more: How Insurance Companies Calculate Your Car Insurance
How to Get Auto Insurance in Mississippi
Buying Mississippi car insurance is an important action for all motorists. Whether you are a rookie or a seasoned driver, it is crucial that you have the right insurance cover to protect you and your vehicle.
Heidi Mertlich Licensed Insurance Agent
In this guide, we will explore the process of obtaining car insurance in Mississippi and provide you with valuable tips to help you navigate through the insurance options available.
Read more: Get Low-Cost Car Insurance with Driver Discounts
Comparing Insurance Quotes
One of the initial steps to obtain car insurance is to get quotes from various insurance providers. Mississippi law mandates that all motorists carry liability insurance, which pays for damages and injuries to other people if the driver is at fault in an accident.
But insurance premiums do differ greatly between companies, so it pays to shop around and locate the cheapest policy available that suits your requirements. There are a few options for comparing insurance quotes.
Comparison websites on the internet can provide you with several quotes from various companies instantly, and it is easy to compare prices and coverage levels.
The other alternative is to use an insurance agent, which can ease the process by providing you with individualized advice and assistance.
Read more: Compare Online Car Insurance Quotes to Save Money
Applying for Car Insurance
Once you decide on an insurance company and policy that works for you, the next step is applying for car insurance. You’ll need to fill out an application, either online or on paper, provide some personal details, and pay your first premium.
As part of the process, you’ll be asked for your name, address, date of birth, driver’s license number, and vehicle details. Make sure everything is accurate so your policy is valid and you’re fully covered.
Once your application is approved, you’ll get proof of insurance. You must keep this with you whenever you drive. It can be a paper insurance card or a digital version on a mobile app or website.
If you’re driving in Mississippi, it’s important to know the state’s car insurance rules. You must have at least the minimum coverage, know the various kinds of coverage, and know what influences your insurance premiums. Having the proper coverage and complying with the law secures you financially and provides peace of mind when driving.
Read more: What You Should Know About Auto Insurance
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Why Auto Insurance Requirements in Mississippi Matter
Having the auto insurance requirements in Mississippi is important to stay legal and protected. The state of Mississippi requires 25/50/25 coverage, which includes bodily injury and property damage liability.
This bare minimum coverage serves in the event of an accident, but increasing to collision and comprehensive coverage provides you with even greater protection from loss due to theft, inclement weather, and other events.
To find the best deal, compare Mississippi auto insurance quotes from companies like USAA, Geico, and State Farm. Your age, driving history, and vehicle type affect your insurance rates, so shopping around can help you save money. (Read more: State Farm Insurance)
Driving without insurance can lead to fines, a suspended license, or even having your car taken away. Keeping the Mississippi auto insurance requirements will not only keep you legal but also help you avoid big out-of-pocket costs if something happens.
Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
Frequently Asked Questions
What are the minimum car insurance requirements in Mississippi?
In Mississippi, the minimum car insurance requirements are 25/50/25. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Is it mandatory to have car insurance in Mississippi?
Yes, it is mandatory to have car insurance in Mississippi. All drivers are required to maintain the minimum car insurance coverage mentioned above. Get fast and cheap auto insurance coverage today with our quote comparison tool.
What happens if I drive without car insurance in Mississippi?
If you are caught driving without car insurance in Mississippi, you may face penalties, including fines, suspension of your driver’s license, and even possible imprisonment. It is crucial to maintain the required car insurance coverage to avoid these consequences.
Read more: What happens if you get caught driving without insurance?
What additional types of car insurance coverage can I consider in Mississippi?
In addition to the minimum car insurance requirements, you can consider additional types of coverage, such as comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and rental reimbursement coverage. These optional coverages provide extra protection and financial assistance in various situations.
Are there any exemptions to the car insurance requirements in Mississippi?
While there may be certain exceptions, such as for vehicles owned by the government, most drivers in Mississippi are subject to the car insurance requirements. It is essential to consult with your insurance provider or the Mississippi Department of Insurance to determine any specific exemptions that may apply to your situation.
How much is auto insurance in Mississippi?
Auto insurance in Mississippi varies based on factors like age, driving history, and coverage. On average, full coverage costs around $125 per month, while minimum coverage is cheaper. Comparing quotes can help you find the best rate.
Read more: Auto Insurance Cost for an 18-Year-Old
Does Mississippi require auto insurance?
Yes, Mississippi requires auto insurance. Drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Driving without insurance can lead to fines and license suspension.
Is uninsured/underinsured motorist coverage required in Mississippi?
No, it’s not required by law, but it’s a good idea to have since it protects you if you’re hit by a driver without insurance or with insufficient coverage.
Who needs SR-22 insurance in Mississippi?
Drivers with violations like DUI, reckless driving, or driving without insurance may need SR-22 insurance in Mississippi. This certificate proves that you meet the state’s insurance requirements. Your insurer files it, but expect higher rates.
Read more: How long does a DUI stay on your record
How are auto insurance rates determined in Mississippi?
Insurance rates are based on your age, driving record, location, type of vehicle, and coverage choices. High-risk drivers typically pay more.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.