Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 6, 2020

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In a nutshell...

  • Most drivers in Mississippi not only opt for additional types of car insurance but also expanded policy limits
  • From the types of coverage to policy limits, any auto insurance policy is only as valuable as the details of the coverage
  • Most national providers sell car insurance in Mississippi, and there are just as many regional insurers who also provide affordable coverage

Mississippi car insurance laws require all vehicles to carry liability insurance with minimum levels of coverage.

The Mississippi Department of Insurance sets these mandatory requirements and if you are convicted of driving with no car insurance get ready to pay severe fines and possibly even have your driver’s license suspended.

Mississippi Car Insurance Requirements

The state of Mississippi has mandatory minimum levels of liability insurance every registered vehicle must have and keep in-force.

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

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Mississippi auto insurance laws require at least the following minimum levels of coverage:

  • $25,000 liability insurance per accident per person
  • $50,000 liability insurance per accident
  • $25,000 property damage

Since Mississippi operates under the tort system when it comes to car accident liability, you may think these limits are much lower than you should have.

Here are some questions to think about:

  • Is $25,000 liability enough insurance if hit a vehicle and cause someone physical severe injuries? $25,000 will barely cover hospital costs let alone surgery fees.
  • What if you are at-fault in a car accident causing total loss to another vehicle? How many cars around you are worth more than $25,000?

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Liability insurance also does not cover any damages to your vehicle, so drivers need to consider comprehensive, collision, GAP and other types of insurance since your exposure to personal liability are very high in states without no-fault car insurance laws.

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Mississippi Car Insurance Companies

There over 110 car insurance companies licensed by the Mississippi Department of insurance so finding an auto insurance provider should be comfortable.

Some car insurance companies include:

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in MS.

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Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in MS.

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Six major factors affect car insurance rates in Mississippi. Which auto insurance factors will affect rates the most? Find out below:

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Who is the cheapest car insurance company in MS? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in MS?

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Car insurance comparison is more than just about the premiums however so learn about car insurance before choosing a provider.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage
  2. https://www.thebalance.com/i-caused-a-car-accident-now-what-527098
  3. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  4. https://www.iii.org/article/background-on-no-fault-auto-insurance