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Mississippi car insurance requirements mandate 25/50/25 liability coverage—$25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
Drivers can meet these requirements by purchasing a standard car insurance policy, posting a bond, or making a cash or security deposit equal to the minimums.
Mississippi Car Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Optional coverage, such as collision, comprehensive, towing, and rental reimbursement, can offer added protection. Insurance rates depend on factors such as age, gender, location, driving record, vehicle type, and others.
- Mississippi requires 25/50/25 liability coverage to meet MS car insurance laws
- Drivers can post a bond or deposit cash to meet Mississippi insurance minimums
- Additional coverage can protect against theft, damage, and rental car expenses
Drivers denied standard coverage may qualify for the Mississippi Automobile Insurance Plan. Proof of insurance is required at stops or when registering; failure to do so may result in fines and suspension. Enter your ZIP code in our free tool to start seeing rates today.
Mississippi Minimum Coverage Requirements & What They Cover
Paying for car insurance isn’t the only option for Mississippi drivers, but it’s the most practical.
Mississippi car insurance requirements include 25/50/25 liability limits or a bond or deposit to prove financial responsibility if you drive without a policy.Laura Berry Licensed Insurance Agent
We recommend getting a policy that meets the state’s minimum liability requirements of:
- $25,000 in bodily injury liability for one person, per accident
- $50,000 in bodily injury liability for two or more people, per accident
- $25,000 in property damage per accident
Without car insurance, Mississippi law requires one of the following:
- Post a bond equal to the state minimums
- Make a cash or security deposit equal to the state minimums
This ensures financial responsibility if you’re involved in an accident.
Read more: Mississippi Cheapest Car Insurance
Cheapest Car Insurance Options in MS
USAA, Geico, and State Farm offer the cheapest car insurance in Mississippi, with rates from $20 per month.
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18,154 reviewsMinimum liability insurance policies that meet Mississippi’s 25/50/25 limits typically offer the lowest rates. Discounts, driving history, and coverage options influence the final premium. The table below lists monthly minimum coverage car insurance rates by city in Mississippi.
Mississippi Car Min. Coverage Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Batesville | $59 |
| Biloxi | $74 |
| Booneville | $62 |
| Brandon | $72 |
| Columbus | $61 |
| Gulfport | $70 |
| Hattiesburg | $68 |
| Jackson | $75 |
| Laurel | $63 |
| Long Beach | $60 |
| Madison | $74 |
| Meridian | $66 |
| Natchez | $64 |
| Olive Branch | $78 |
| Pascagoula | $69 |
| Ridgeland | $76 |
| Southaven | $73 |
| Starkville | $65 |
| Tupelo | $71 |
| Vicksburg | $67 |
Batesville offers the lowest minimum coverage car insurance in Mississippi, averaging $59 per month.
This table highlights how monthly insurance costs differ depending on a driver’s age and gender.
Car Insurance Monthly Rates in Mississippi by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
 | $146 | $175 | $211 | $255 |
 | $140 | $168 | $205 | $245 |
 | $158 | $187 | $235 | $285 |
 | $137 | $166 | $203 | $240 |
 | $153 | $184 | $225 | $280 |
 | $150 | $182 | $222 | $278 |
 | $149 | $180 | $220 | $271 |
 | $144 | $170 | $210 | $252 |
 | $160 | $190 | $246 | $287 |
 | $148 | $178 | $218 | $267 |
Rates can differ based on age and gender, with younger drivers and males generally facing higher premiums.
The table below displays monthly car insurance rates in Mississippi by provider and driving history.
Car Insurance Monthly Rates in Mississippi by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $146 | $175 | $211 | $255 |
| $140 | $168 | $205 | $245 |
| $158 | $187 | $235 | $285 |
| $137 | $166 | $203 | $240 |
| $153 | $184 | $225 | $280 |
| $150 | $182 | $222 | $278 |
| $149 | $180 | $220 | $271 |
| $144 | $170 | $210 | $252 |
| $160 | $190 | $246 | $287 |
| $148 | $178 | $218 | $267 |
Rates can vary based on the provider’s policies and the driver’s record, including past violations or accidents.
Consequences of Driving Without Insurance in Mississippi
Driving without insurance in Mississippi can lead to severe penalties, including a $1,000 fine and a one-year license suspension.
If caught without proof of insurance, you may also face difficulty registering your vehicle. To avoid these consequences, it’s essential to maintain the state’s minimum liability coverage.
Proof of Insurance
If you can’t prove you’re insured, you may face penalties. Mississippi car insurance requirements mandate proof of insurance—compare rates from providers like Geico. This Reddit post highlights experiences with providers.
Choose coverage that meets legal minimums and avoids penalties like hefty tickets.
Mississippi accepts electronic or paper insurance cards. Failure to show evidence can lead to:
- A $1,000 fine
- A one-year suspension of your license
You can use our free online tool to compare rates and avoid costly penalties.
Additional Insurance Coverage in Mississippi
Additional coverage offers more protection and reduces out-of-pocket costs after an accident.
- Collision Coverage: Pays for damage when you hit another object.
- Comprehensive Coverage: Covers damage from theft, weather, animals, and vandalism.
- Towing and Labor Coverage: Pays for towing and roadside assistance after a breakdown or accident.
- Rental Car Coverage: Pays for a rental while your car is being repaired.
Check USAA’s site to know which optional coverages are available and how they can be customized to fit your needs.
You can also compare rates and eligibility based on your vehicle and driving history.
The Mississippi Automobile Insurance Plan
If you have a history of tickets, claims, accidents, or DUIs, insurers may deny coverage.
The Mississippi Automobile Insurance Plan (MSAIP) ensures you’re not denied a policy. Insurers share responsibility, but premiums are higher, so compare rates before choosing this option.
High-Theft Vehicles That Can Raise Your Insurance Rates in Mississippi
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Chevrolet Impala
- Nissan Altima
- Honda Accord
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Ford Explorer
- Chevrolet Malibu
- Toyota Camry
Additional Resources for Mississippi Drivers
Frequently Asked Questions
What are the minimum car insurance requirements in Mississippi?
Mississippi mandates 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
What happens if I drive without insurance in Mississippi?
Driving uninsured can result in a $1,000 fine and a one-year license suspension, or until proof of insurance is provided.
Are there optional coverages I should consider in Mississippi?
Optional coverages include collision, comprehensive, towing, and rental reimbursement, offering added protection beyond the minimum requirements.
Can I meet Mississippi’s insurance requirements without purchasing a policy?
Yes, by posting a bond or making a cash or security deposit equal to the minimum liability amounts.
What is the Mississippi Automobile Insurance Plan (MSAIP)?
MSAIP offers insurance options for drivers who are denied standard coverage due to high-risk factors, allowing them to obtain the necessary insurance still.
How can I prove I have insurance in Mississippi?
Drivers in Mississippi are required to carry proof of insurance, either electronically or on paper, and must present it when stopped or during vehicle registration.
What are the consequences of not showing proof of insurance when requested?
Failure to provide proof can lead to fines and license suspension. However, presenting valid insurance before a hearing may reduce or waive penalties.
What factors influence car insurance rates in Mississippi?
Rates depend on factors such as age, gender, location, driving record, vehicle type, and the specific coverage options chosen.
Which companies offer the cheapest car insurance in Mississippi?
USAA, Geico, and State Farm are among the most affordable, with rates starting at $20 per month. By knowing Mississippi’s minimum requirements, you can choose the right coverage and avoid unnecessary costs or penalties.
Is it mandatory to have comprehensive or collision coverage in Mississippi?
No, but lenders may require these coverages for financed vehicles to protect against theft, vandalism, and collision damage.Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool.