Mississippi Car Insurance FAQ - Quick Answers

The average annual cost for Mississippi car insurance is $1,584, which is much higher than the national average of $1,311 per year. To find your exact pricing, get quotes through a local adviser. 

Mississippi drivers are required to have car insurance that meets or exceeds the minimum requirements. It is designed to cover someone else's vehicle damage and medical bills if you cause an accident. Bodily injury liability and property damage liability are the two mandated auto insurance limits.

In Mississippi, you're required to carry the following minimum limits of liability in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability 

In some states, uninsured motorist coverage is required by law, but Mississippi is not one of them. If you want protection for medical expenses or property damage caused by an uninsured driver, you'll need to add uninsured motorist insurance to your auto policy. Mississippi has 23.7% of its driving population without insurance, which means you're at risk. 

When you're searching for car insurance, it's best to consider the carriers that are commonly used by the masses. In Mississippi, Safeco, State Auto, and Travelers insurance companies are highly rated. These markets are known for their speedy claims service and robust coverage offerings. 

Yes, Mississippi does require each driver to carry the state minimum limits of car insurance in order to use the roadways. If you're caught without the proper insurance in place, you'll be on the hook for major fines or worse. 

Do You Know What Your Mississippi Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Amory25.70.29$1,619
Biloxi20.53.62$1,459
Brookhaven18.81.91$1,702
Gulfport223.7$1,459
Hattiesburg16.93.79$1,377
Laurel18.92.98$1,608
Leland17.81.87$1,783
Natchez19.51.33$1,184
New Albany18.70.12$1,627
Oxford15.90.7$1,341
Southaven24.53.21$1,359
Starkville16.10.74$1,195
Tupelo18.82.68$1,259

Bodily Injury Requirements in Mississippi

In Mississippi, bodily injury liability insurance is required by state law. It helps pay for another driver's injuries due to an at-fault accident.

The bodily injury liability necessary to utilize the streets in Mississippi is a minimum of $25,000 per person and $50,000 per accident. Most insureds obtain higher limits than these to have sufficient protection.

Property Damage Requirements in Mississippi

Property damage liability pays for damage to another person's property when an at-fault auto accident occurs. Each state usually requires a minimum limit of protection in order to use the roadways.

In Mississippi, $25,000 in property damage liability is required by law. If you're found without this coverage you could be fined or responsible for a loss out of pocket.

Personal Injury Protection Requirements in Mississippi

Some states require personal injury protection, which helps pay for your medical expenses when you are involved in an at-fault accident. In Mississippi, this is not a requirement, but you can obtain medical payments protection.

Medical payments coverage works in the same manner and helps pay for medical bills that may arise due to injury from an auto accident. Without this limit on your car policy, you'll be responsible for paying your medical expenses in an at-fault loss. 

Uninsured Motorist Coverage in Mississippi

Uninsured motorists coverage provides insurance for your medical expenses and property damage when you're involved in an accident with an uninsured driver. Unfortunately, Mississippi does not require uninsured motorist protection like some other states, but it's still a necessary coverage to have.

In Mississippi, 23.7% of the driving population is without insurance. That means that every time you get on the road, you're at financial risk without uninsured motorist coverage.


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Optional Car Coverage in Mississippi

In addition to the state minimum limits set forth by Mississippi laws, you'll have optional coverages to choose from for a more robust policy. Collision insurance and comprehensive insurance will help pay for damage to your vehicle when an accident occurs, and is considered full coverage. 

Roadside assistance can help if you become stranded on the road and need a tow or tire replaced. Another popular coverage is rental car insurance, which provides a replacement vehicle in the event of a covered claim. You can go over which limits are best suited for your needs with a trusted adviser. 

Car Insurance Discounts to Ask for in Mississippi

In Mississippi, you may not know which discounts to ask for when getting car insurance. The top way to cut costs is to have the multiple policy discount for having more than one policy with a carrier. The same is true for how safe your vehicle is, the fewer risks you have while driving, the bigger the discount on insurance.

You can also save by being part of an association such as a teachers union, attorney group, or government agency. A loyalty discount can help reduce premiums by 5% to 10% when you've been with the same carrier for a specific number of years.

How to File a Car Insurance Claim in Mississippi

If you've ever been involved in a car accident, you know that it's an adrenaline, rush making it difficult to think clearly. To keep things simple, take a look at these 4 easy steps for filing a car insurance claim in Mississippi.

First, find a safe place out of harm's way and seek necessary medical attention. Second, get your independent insurance agent on the phone to file the claim. Third, secure a rental car if necessary and obtain your claim number from your agent. Last, set up a meeting with your adjuster to go over the damage and collect payment.