Mississippi Minimum Auto Insurance Requirements for 2024 (What Drivers in MS Need)
Mississippi minimum auto insurance requirements are 25/50/25, meaning drivers must carry at least $25,000 for bodily injury per person, $50,000 for injuries per accident, and $25,000 for property damage. Mississippi drivers can pay as low as $20/month for insurance, but comparing quotes helps find the best deals.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Understanding Mississippi minimum auto insurance requirements is essential for staying compliant and protecting your finances. Drivers must carry 25/50/25 coverage, which includes $25,000 for bodily injury liability insurance per person, $50,000 per accident, and $25,000 for property damage.
While rates in Mississippi start as low as $20/month, top providers like USAA, Geico, and State Farm auto insurance offer competitive pricing, exceptional customer service, and tailored policies for varying needs.
Mississippi Minimum Auto Insurance Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Comparing quotes from multiple companies can help you find affordable coverage while ensuring you’re protected against costly accidents and legal penalties.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- Mississippi law requires 25/50/25 coverage
- Drivers can meet requirements with insurance, a bond, or a cash deposit
- Comparing quotes finds rates from $20/month while meeting legal standards
Mississippi Minimum Coverage Requirements & What They Cover id=”connecticut-minimum-coverage-requirements-what-they-cover” class=”custom-toc” data-toc=”Connecticut Minimum Coverage Requirements & What They Cover”>
Understanding Mississippi car insurance requirements is crucial for drivers to stay compliant with MS state law on car insurance. Not only does Mississippi require car insurance, but the Mississippi minimum car insurance requirements of 25/50/25 ensure sufficient liability protection for accidents.
Drivers need to carry $25,000 of bodily injury liability per person and a total of $50,000 of bodily injury liability coverage per accident. Additionally, in Mississippi, your liability insurance coverage for property damage must be at least $25,000 per accident.
Mississippi auto insurance law allows a driver to place a bond with a state-licensed company for the full amount of required coverage in lieu of insurance. Mississippi requires six main types of car insurance coverage. Here’s a breakdown of what each covers:
- Bodily Injury Liability: Covers medical expenses for injuries a covered driver causes to others. It also extends to anyone driving the insured car with permission. This is essential to handle high medical bills in accidents.
- Personal Injury Protection (PIP) / Medical Payments: Covers the driver’s own medical expenses, opposite to bodily injury liability. PIP can also cover lost wages and funeral expenses.
- Property Damage Liability: Pays for damage caused to another person’s property, such as their car, signs, mailboxes, or buildings. Learn more information through our guide about >property damage liability auto insurance companies
- Collision Coverage: >Collision coverage pays for damage to the insured driver’s vehicle, regardless of fault, in single or multi-car accidents.
- Comprehensive Coverage: Protects against non-collision damage to the insured vehicle, including vandalism, fire, hail, or hitting an animal.
- Uninsured/Underinsured Motorist Coverage: >Uninsured/underinsured motorist coverage protects when an at-fault driver has no insurance, insufficient coverage, or in hit-and-run situations.
Each type plays a crucial role in ensuring financial protection in various scenarios. Mississippi auto insurance laws also allow a driver to post cash or securities in the total amount required of liability insurance with the State Treasurer. Given the high requirements, these options are rarely used.
Policy Requirement Basics
State insurance coverage requirements, including Mississippi auto insurance requirements are often written in a shorthand that can be confusing.
This shorthand includes three numbers indicating the minimum coverage for bodily injury per person, the minimum bodily injury liability coverage for an accident overall, and the minimum property damage liability coverage. These numbers are truncated.
USAA offers the best value for minimum coverage in Mississippi, starting at just $20 per month.Jeffrey Manola Licensed Insurance Agent
For example, a coverage requirement that reads 20/40/10 would mean that a state requires $20,000 in bodily injury liability per person injured, $40,000 in coverage for bodily injury liability coverage for a single accident overall, and $10,000 in property damage liability coverage for a single accident.
Not every policy will meet every state’s requirement making it important to compare 3-4 car insurance policies before purchasing one.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheapest Car Insurance in Mississippi
The cost of car insurance in Mississippi starts as low as $20 per month, making it possible to find cheap Mississippi car insurance options by shopping around.
6,435 reviewsCompany Facts
Min. Coverage in Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
19,116 reviewsCompany Facts
Min. Coverage in Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Min. Coverage in Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsComparing prices is the best way to find affordable rates. USAA starts at $20/month, Geico at $27/month, and State Farm at $31/month. Progressive and Farmers also have good rates at $39 and $50/month. In contrast, companies like Allstate and Shelter have higher starting premiums, with rates exceeding $200 per month.
Monthly Minimum Auto Insurance Rates from Top Providers in Mississippi
| Insurance Company | Minimum Coverage |
|---|---|
 | $211 |
 | $37 |
 | $50 |
 | $41 |
 | $104 |
 | $39 |
 | $206 |
 | $42 |
 | $136 |
For a full overview, the best Mississippi auto insurance guide can help explain how the state’s regulations compare to other states, like Ohio, whether Mississippi has comparatively strict or lenient requirements for auto insurance coverage.
Penalties for Driving Without Insurance in Mississippi
Driving without insurance in Mississippi comes with severe consequences under state law. If caught, drivers face a $500 fine and a one-year suspension of their driver’s license. However, there are options to reduce these penalties.
By providing proof of financial responsibility, such as documentation of valid insurance, before the hearing, the fine can be reduced to $100, and the license suspension could be absolve.
If proof shows you had active insurance when the violation happened, all penalties, like fines, suspensions, and related fees, are dropped. It’s also important to note that a no-insurance ticket can cost up to $1,000, particularly if no proof of insurance ticket in Mississippi is provided.
This underscores the importance of maintaining proper auto insurance coverage to avoid these hefty fines and potential disruptions to driving privileges.
Read more: Best Auto Insurance Without Penalties for No-Fault Accidents
Additional Coverage Options to Consider in Mississippi
In addition to the six basic types of car insurance, there are other coverage options that can provide extra protection and peace of mind for Mississippi drivers:
- Gap Insurance: If your car is totaled or stolen and the remaining loan balance exceeds its market value, Gap insurance covers the difference.
- Roadside Assistance: Roadside assistance offers help for unexpected issues like flat tires, dead batteries, or towing needs.
- Rental Car Reimbursement: Rental car reimbursement covers the cost of a rental car while your vehicle is being repaired after a covered accident.
- Custom Equipment Coverage: Protects aftermarket additions like custom wheels, sound systems, or paint jobs that aren’t included in standard policies.
- Ride-Sharing Coverage:
- Non-Owner Insurance: Non-owner insurance provides liability coverage for drivers who don’t own a car but occasionally drive others’ vehicles.
These optional coverages can help drivers tailor their policies to fit unique needs and avoid costly out-of-pocket expenses.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Minimum Auto Insurance vs. Recommended Coverage in MS
Minimum required coverage is the bare minimum required to drive a vehicle in Mississippi. But often times the bare minimum isn’t enough to meet every need. For instance, a driver who had previously been the victim of a hit-and-run might want more uninsured motorist coverage.
A driver with small children might need more than the minimum required personal injury protection insurance coverage. In fact, most insurance industry groups recommend more than the bare minimum required coverage.
Mississippi Min. Coverage Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Biloxi | $39 |
| Greenville | $38 |
| Gulfport | $38 |
| Hattiesburg | $36 |
| Jackson | $40 |
| Meridian | $35 |
| Olive Branch | $34 |
| Southaven | $37 |
| Starkville | $35 |
| Tupelo | $36 |
| Vicksburg | $37 |
Medical bills from a single accident can be enormous. Due to the potential for expensive medical bills, most industry groups recommend at least $100,000 per person and $300,000 per accident of bodily injury liability coverage.
In the past, shopping for insurance was difficult and time-consuming. Thankfully, the process has been simplified through the internet. It has never been easier to compare multiple policies, and purchasing a policy online can be done in a few minutes.
How to Find the Cheapest Car Insurance in Mississippi
Finding the cheapest car insurance in Mississippi comes down to balancing your coverage needs with your budget. While meeting the state’s minimum requirements is nescessary, it’s equally important to consider whether additional coverage might better protect your finances.
The key is comparison shopping. Exploring at least 3-4 different policies can help you uncover options that align with your needs and fit within your budget (Read more: Do you have to have auto insurance in every state?).
Remember, your search for the best rates doesn’t stop after buying a policy. Life changes, and so do insurance prices, so it’s smart to review your coverage every six months to ensure it still meets your goals.
Doing a little comparison shopping can lead Mississippi drivers to policies that fit their needs and their budgets. The policy-shopping process doesn’t end with the purchase of a policy either. Needs change, and policy prices fluctuate.
It’s highly recommended to review policies every six months after purchase to make certain it continues to meet every need. Don’t miss out on our free quote tool below. Just enter your zip code and start comparing rates now!
Frequently Asked Questions
Is Mississippi a no-fault state?
No, Mississippi is not a no-fault state. It operates under an at-fault system, meaning the driver responsible for an accident is liable for covering damages and injuries. Check out our comprehensive guide about cheap no-fault auto insurance, for more insights.
How much is car insurance in Mississippi?
The average cost of car insurance in Mississippi starts at $20 per month, but premiums may vary depending on factors such as your driving record, age, and coverage type. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
How much is a no insurance ticket in Mississippi?
No insurance ticket cost in Mississippi ranges from $100 to $1,000 and may include a one-year driver’s license suspension if proof of insurance isn’t provided.
Learn more: Can you get auto insurance with a suspended license?
Does Mississippi have comparatively strict or lenient requirements for auto insurance coverage?
Mississippi’s requirements are moderate. While drivers must meet the 25/50/25 minimum liability coverage, the state offers alternative compliance options like posting a bond or cash deposit.
What are the Mississippi minimum auto insurance requirements?
Mississippi requires drivers to carry 25/50/25 liability coverage, which includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
What additional coverage options are available for auto insurance in Mississippi?
Mississippi drivers can enhance their coverage with options like collision, comprehensive auto insurance, uninsured motorist, medical payments, gap insurance, and roadside assistance for added protection.
Can I drive without MS auto insurance?
No, all drivers in Mississippi must carry the minimum required auto insurance Mississippi laws mandate. Failure to comply can lead to fines, suspension of your license, and increased future premiums.
How can I find cheap car insurance in Mississippi?
Mississippi drivers can find affordable Mississippi car insurance options by comparing multiple quotes, taking advantage of discounts, and bundling policies with the same provider.
What happens if I get a no insurance ticket in Mississippi?
If you receive a no insurance ticket in Mississippi, you could face fines, a one-year license suspension, and difficulty obtaining affordable auto insurance Mississippi in the future.Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.