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Mississippi Auto Insurance — Rates & Requirements

Mississippi requires 25/50/25 liability coverage and is an at-fault state.

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Mississippi at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Mississippi operates under a tort-based liability system, meaning the at-fault driver is financially responsible for damages. The state requires all drivers to carry proof of insurance and maintain continuous coverage. Mississippi law mandates electronic insurance verification through the Mississippi Insurance Verification System, which automatically flags lapses to the Department of Public Safety.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal defense when you injure someone in an at-fault accident. Mississippi courts allow injured parties to pursue your personal assets for any amount above your policy limit.

Property Damage Liability

Pays for damage you cause to another person's vehicle, fence, building, or other property.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Insurers must offer this coverage at the same limits as your liability policy, but you can decline it in writing — a decision that leaves you covering your own medical bills and lost income if hit by an uninsured driver.

Cost Overview

$49–$90/mo

Typical monthly rate in Mississippi, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

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Coverage Types

Liability Insurance

The only coverage Mississippi requires by law. Pays for injuries and property damage you cause to others, but provides zero protection for your own medical bills, vehicle repairs, or lost wages if you're at fault.

Uninsured Motorist Coverage

Covers your medical bills, lost income, and vehicle damage when hit by a driver with no insurance or insufficient coverage. Mississippi law requires insurers to offer this, but you can reject it in writing.

Full Coverage

Combines liability, uninsured motorist, collision, and comprehensive into one package. Covers damage to your own vehicle from accidents, weather, theft, and vandalism regardless of fault.

SR-22 Insurance

Not a separate coverage type but a state filing proving you carry continuous liability insurance. Required after DUI convictions, at-fault accidents without insurance, or license suspensions.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban