Mississippi has minimum requirements for auto insurance.  Mississippi requires all drivers to carry insurance in order to pay for costs/damages in the event of an accident, also known as a tort system.  A tort system is different from a “no-fault” system because it requires whoever caused the accident to pay for the damages incurred.  Since they operate under a tort system, Mississippi only requires liability insurance.  Liability insurance in Mississippi only covers damages suffered by the victim of an accident caused by the insured.  It will not pay for any other expenses so it highly recommended for motorists to purchase some type of additional insurance.  Comprehensive  coverage will help pay for damages to the vehicle of the insured while uninsured motorist coverage will protect the insured in the case of an accident with an uninsured motorist or a hit-and-run.

Q: “What is the minimum amount of auto insurance coverage that I need in Mississippi?”

The minimum amount of insurance in Mississippi is a 25/50/25 policy in liability. This means that all drivers are required to carry a policy with $25,000 for personal injuries for a single driver, $50,000 for all medical expenses for all occupants of the vehicle, and $25,000 for any property damages.  The fine for not carrying proper insurance in Mississippi is $1,000 for the first offense and the chance of your license being suspended for up to one year.

Compare Mississippi Car Insurance Rates Online

Mississippi’s average driver spends around $700 for coverage for a year.  Its important to shop around and get multiple quotes for accurate auto insurance rates.  At autoinsurancebystate.com, you can get multiple rates from the nations top insurance companies by just putting your zip code in.  No personal information required!  Protect yourself and your wallet and shop around!

Current Providers in Mississippi

For More Information

Mississippi Insurance Department
P.O. Box 79
Jackson, MS 39205
Phone: (601) 359-3569