Updated: December 10, 2024
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Mississippi requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident and $25,000 for property damage liability per accident. As an at-fault state, the driver responsible for an accident is financially liable for the damage.
The average monthly cost of minimum car insurance is $40. To find the cheapest car insurance in Mississippi, compare rates while factoring in your age, driving history and vehicle type.
Why Trust MoneyGeek? We analyzed data from the Mississippi Department of Insurance and Quadrant Information Services to get the most accurate cost data for various Mississippi drivers.
These rates reflect the cost of minimum coverage car insurance requirements in Mississippi as of December 2024.
Mississippi drivers must carry minimum coverage auto insurance to operate a vehicle legally. This coverage includes:
Mississippi follows a fault-based system, which means your driving record and the likelihood of being found at fault in an accident affect your premium.
Mississippi doesn't require drivers to carry collision or comprehensive insurance as part of the state minimum coverage. However, if you're financing or leasing a vehicle, lenders often require both coverages to protect their investment in case of damage or loss. Consider collision and comprehensive coverages if you lease or finance your car or want to safeguard your asset against risks.
What Liability Insurance Covers | What Liability Insurance Doesn't Cover |
|---|---|
Injuries to others if you're at fault in an accident | Your injuries |
Damage to another person’s property if you're at fault in an accident | Damage to your car |
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy | Repairs for weather-related accidents or if you were hit by an animal |
Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased |
The table reflects Mississippi's minimum car insurance requirements, including bodily injury and property damage coverage. Remember, your policy's specific coverage is defined by its terms and conditions.
Age plays a significant role in determining the cost of minimum car insurance. In Mississippi, young adults aged 22 to 29 face the highest premiums. Insurers view drivers in this age group as riskier due to their limited driving experience and greater likelihood of accidents.
The table below details Mississippi's average minimum coverage cost by age group.
| 22-29 | $596 | $50 |
| 30-59 | $481 | $40 |
| 60 + | $465 | $39 |
Mississippi drivers seeking affordable minimum coverage auto insurance can consider these options:
Review your options carefully to secure the best car insurance in Mississippi that fits your situation.
| State Farm | $320 | $27 |
| Mississippi Farm Bureau | $320 | $27 |
| Direct General Insurance | $331 | $28 |
| Nationwide | $401 | $33 |
| Progressive | $429 | $36 |
| Travelers | $489 | $41 |
| GEICO | $587 | $49 |
| Shelter | $640 | $53 |
| Allstate | $810 | $67 |
In Mississippi, drivers can opt for additional coverages, such as comprehensive, collision, uninsured/underinsured motorist, medical payments and rental reimbursement. These optional protections offer financial security for various incidents beyond minimum coverage, safeguarding against theft, vandalism and accidents with uninsured drivers. When assessing how much car insurance you need, consider these add-ons:
Add-On Coverage | What It Covers | What It Doesn't Cover |
|---|---|---|
Uninsured/Underinsured motorist coverage | Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance | Damage to your vehicle if you're at fault or damage that exceeds policy limits |
Personal injury protection (PIP) | Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault | Vehicle damage or injuries to the other driver |
Roadside assistance | Services like towing, flat tire changes and jump-starts when your car breaks down | Cost of parts or repairs needed after the tow |
Gap insurance | Pays the difference between your car's current value and what you still owe if it's totaled or stolen | Vehicle depreciation or overdue loan payments |
Rental car reimbursement | The cost of a rental car while your vehicle is being repaired after a covered event | Fuel, insurance or other rental extras |
Collision coverage | Repairs to your car after an accident, regardless of fault | Damage due to theft, vandalism or natural disasters |
Comprehensive coverage | Repairs to non-collision damage from events like theft, fire or hail | Damages from a collision or personal injuries |
Towing and labor coverage | Towing and basic roadside-assistance labor costs at your vehicle's breakdown site | More extensive repairs needed at a garage |
Custom parts and equipment coverage | Safeguards aftermarket enhancements like custom wheels or stereo systems | Original parts that came with your vehicle |
Accidental death coverage | Offers a payout if you or a passenger dies or experiences certain injuries in a car accident | Non-accidental death or injuries |
Classic car insurance | Agreed-upon values for your unique vehicle, tailored for vintage or collector cars | Regular use like your daily commute |
In Mississippi, the cost of a ticket for driving without insurance depends on whether it's your first offense. First-time offenders typically face less severe penalties, while repeat offenses can lead to higher fines and more serious consequences.
For drivers caught without minimum coverage in Mississippi, additional penalties may include:
Follow the law and keep your car insured. It protects you financially and helps you stay compliant, avoiding penalties.
If a driver's car insurance policy is canceled in Mississippi, they must immediately find new coverage and avoid driving until insured again. Driving without insurance is illegal and can lead to severe penalties. Contact an insurance agent to explore different providers and secure a new policy.
Insurance companies notify the Mississippi Department of Public Safety when a driver is uninsured, which can result in a license suspension and vehicle registration issues. If the driver doesn't secure coverage quickly, fines and reinstatement fees may follow.
Those struggling to find insurance can consider the Mississippi Automobile Insurance Plan (MAIP), which helps high-risk drivers obtain the required minimum coverage.
Your car insurance policy in Mississippi may have been canceled for several reasons:
Keeping your information accurate and driving safely can help avoid these issues with your car insurance policy.
Find answers to common questions about the coverage you must carry to drive legally in Mississippi.
Mississippi requires minimum coverage auto insurance that includes bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $25,000 per accident. This basic coverage ensures financial responsibility for damage or injuries drivers may cause in a car accident.
Mississippi requires minimum auto liability coverage to ensure drivers can cover the damage or injuries they cause in accidents. This protection helps compensate others for bodily harm or property damage. This mandatory coverage prevents costs from being passed to taxpayers or leaving victims uncompensated.
While not required by law in Mississippi, comprehensive insurance is recommended to protect your vehicle from non-collision incidents like theft, vandalism and natural disasters. Consider your vehicle's value and your ability to cover unexpected repair or replacement costs when deciding if this coverage is right for you.
Driving uninsured in Mississippi can lead to severe penalties, including a $1,000 fine and a one-year license suspension for first-time offenders. Subsequent offenses result in higher fines and longer suspensions. To avoid these consequences and stay compliant with the law, maintain at least minimum coverage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
