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Car Insurance in Mississippi

Car Insurance in Mississippi Saves Residents Money

Home of Barq’s Root Beer and the world’s largest shrimp, Mississippi is full of interesting facts and some beautiful and scenic roads. Whether here to attend college, live, or see the world’s largest shrimp (which is on display at the Old Spanish Fort Museum in Pascagoula), it is crucial that you have auto insurance and can provide proof of insurance while traveling in the state. 

As most states, drivers are required to have car insurance in Mississippi. Unlike many other states though, you do not need to provide proof of insurance to register your vehicle or apply for your Mississippi driver’s license. 

Needed Minimums for Auto Insurance in Mississippi

Liability insurance in the state is required by law, the minimum auto insurance coverage needed to legally drive is:

  • $25,000 per person for bodily injury and $50,000 per accident for bodily injury
  • $25,00 per accident for property damage

While the majority of drivers choose to buy a car insurance policy to meet these requirements, drivers have other options as well. These options include:

  • Posting a bond for the minimum coverage amounts
  • Making a deposit equal to the minimums 

Additional Car Insurance Coverage Options

Other options to add to your auto insurance policy include collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Collision helps pay for damages caused by hitting other cars of objects. Comprehensive coverage helps pay for damages resulting from non-accident related damages. Uninsured/underinsured motorist coverage helps when an uninsured motorist causes an accident, or if they do not have the insurance coverage needed to pay for the damages.

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

In addition, there are options that help in terms of providing for medical payments, rental cars, lease gaps, and roadside assistance.

Mississippi has Strict Penalties for Driving without Insurance

The penalties are large for driving without a car insurance in Mississippi. If you do not have a car insurance policy and are driving, you could be hit with a $1,000 fine and/or a driver’s license suspension of an entire year. If you buy an insurance policy after you are cited and are able to provide proof of insurance at your court hearing, your fine can be reduced and your license reinstated. If your auto insurance coverage is purchased after your hearing (or the payment of your fine) your license can also be reinstated.

If you fail to show proof of insurance when you are pulled over, but you have insurance, you can show proof that you had auto insurance at the time of the citation and have the fine for not having proof of insurance on you during the traffic stop waived.

Another penalty the state of Mississippi is the filing of an SR22. This form can be used to prevent suspension of a driver’s license or to reinstate a license that has been suspended or revoked.

Car Insurance Policy Discounts

Discounted rates are often offered to drivers if they are good drivers, students, have a safe vehicle, or have multiple vehicles on their policy. There are other discounts as well. Safe driving is one of the best ways to save money on your auto insurance premium though, so the discount for that is well worth having. 

Final Word

It is important to have liability. We are here to assist and can help you get the best car insurance rates and find the best car insurance discounts. If you have any questions, please contact us, we will get them answered. Contact us today for your free quote and get the best auto insurance rates and save some money.

Rank City Avg. Annual Premium
1 Jackson $1,746
2 Clarksdale $1,715
3 Clinton $1,713
4 Gulfport $1,672
5 Biloxi $1,653
6 Vicksburg $1,623
7 Pascagoula $1,612
8 Brandon $1,606
9 Ridgeland $1,601
10 Gautier $1,594
11 Horn Lake $1,593
12 Olive Branch $1,592
13 Southaven $1,585
14 Madison $1,569
15 Greenville $1,563
16 Oxford $1,538
17 Meridian $1,537
18 Hattiesburg $1,533
19 Laurel $1,503
20 Columbus $1,444
21 Tupelo $1,402