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Mississippi Auto Insurance Requirements & Rates

Mississippi requires 25/50/25 liability coverage—$25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Full coverage policies typically range from $140–$190/month based on available industry data; individual rates vary.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Mississippi operates under a tort-based liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of financial responsibility, verified through electronic reporting by insurers to the Mississippi Department of Insurance. Drivers without continuous coverage face license suspension and reinstatement fees of $100 plus SR-22 filing requirements.

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25/50 ($25,000 per person, $50,000 per accident)
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. The 25/50 minimum is among the lowest in the Southeast and can be exhausted quickly—a single emergency room visit and ambulance transport can exceed $25,000. Mississippi's high rate of uninsured drivers (approximately 15%) increases the risk you'll face a lawsuit seeking damages beyond policy limits.
$25,000 per accident
Property Damage Liability
Pays for damage to other vehicles, buildings, fences, and property you hit. The $25,000 minimum often falls short when you total a newer vehicle—average new car prices in Mississippi exceed $40,000. Mississippi does not require you to carry coverage for damage to your own vehicle, only others' property.
Not required (but must be offered)
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Mississippi law requires insurers to offer UM/UIM coverage at the same limits as your liability policy, and you must reject it in writing to decline. Given Mississippi's uninsured motorist rate of approximately 15%—above the national average—this optional coverage addresses a measurable local risk.
Not required
Collision Coverage
Pays to repair or replace your vehicle after a crash, regardless of fault. Mississippi does not mandate this coverage, but lenders require it for financed or leased vehicles. Collision claims are common on rural Mississippi highways where wildlife strikes and single-vehicle accidents occur frequently.
Not required
Comprehensive Coverage
Covers non-collision damage including theft, hail, flooding, and animal strikes. Mississippi's Gulf Coast counties experience elevated hurricane and flood risk, and the state ranks in the top third nationally for deer-vehicle collisions. Lenders typically require comprehensive coverage alongside collision for financed vehicles.
State-Mandated Minimum Coverage · Mississippi

Mississippi Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Mississippi quote.

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Cost Overview

Mississippi auto insurance costs are shaped by the state's high uninsured motorist rate, frequency of severe weather events along the Gulf Coast, and rural driving patterns that increase wildlife collision risk. Rates vary by over 40% between low-risk inland counties and high-risk coastal zones. Urban areas like Jackson see elevated theft and accident rates that drive premiums higher than state averages.

What Affects Your Rate

  • Coastal location increases premiums 25–40% due to hurricane and flood exposure, particularly in Harrison, Hancock, and Jackson counties along the Gulf.
  • Uninsured motorist rate of approximately 15% raises costs statewide as insurers price in the risk of uncompensated claims.
  • Credit-based insurance scores impact rates by 30–50% in Mississippi—the state permits full use of credit in underwriting unlike some neighboring states.
  • Annual mileage over 15,000 miles increases collision risk and typically raises premiums 10–20%, common among rural commuters.
  • Drivers under 25 pay 60–90% more than middle-aged drivers, with male drivers under 21 facing the highest rates statewide.
  • DUI convictions trigger SR-22 filing requirements and premium increases of 80–120% for three years following reinstatement.
Minimum Coverage
$45–$70/mo
Meets Mississippi's 25/50/25 liability requirement only. Leaves you financially exposed for damage to your own vehicle and underinsured at-fault accidents.
Standard Coverage
$90–$130/mo
Increases liability to 100/300/100, adds uninsured motorist coverage, and may include rental reimbursement. Provides stronger protection given Mississippi's 15% uninsured driver rate.
Full Coverage
$140–$190/mo
Adds collision and comprehensive with $500–$1,000 deductibles to standard liability. Required for financed vehicles and recommended in hurricane-prone coastal counties and high deer-collision areas.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Mississippi's 25/50/25 minimum is the legal floor, but 100/300/100 limits better protect personal assets in serious accidents.

Full Coverage

Bundles liability, collision, comprehensive, and uninsured motorist protection into a complete package. Repairs or replaces your vehicle while protecting you from at-fault and uninsured drivers.

Comprehensive Coverage

Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Covers repair or replacement minus your deductible.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. Functions as a safety net when the liable party cannot pay.

Collision Coverage

Pays to repair or replace your vehicle after an accident with another vehicle or object, regardless of who caused the crash. Required by lenders for financed vehicles.

SR-22 Insurance

Not a coverage type but a certificate proving you carry state-required insurance, filed by your insurer to the Mississippi Department of Public Safety. Required after DUI, serious violations, or license suspension.

Find Your City in Mississippi

Jackson, Mississippi cityscape and street view

Jackson

urban
Gulfport, Mississippi cityscape and street view

Gulfport

suburban
Wooden dock extending into lake at sunset with people fishing, mountains in background, warm golden light

Southaven

suburban
Hattiesburg, Mississippi cityscape and street view

Hattiesburg

suburban
Sunset over ocean viewed through beach grass with dramatic cloudy sky and golden light on horizon

Biloxi

urban
Tupelo, Mississippi cityscape and street view

Tupelo

urban
Weathered wooden fence with horizontal rails surrounded by overgrown grass and green vegetation

Olive Branch

suburban
Wooden boardwalk trail through green forest with sunlight filtering through tree canopy

Clinton

suburban

Frequently Asked Questions

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