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