Mississippi Car Insurance Laws, Explained
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- Minimum requirements
- Liability insurance
- State limits
- Is minimum enough?
- No insurance penalties
- Why follow rules?
- Affordable insurance
In Mississippi, all drivers are required by law to carry liability insurance and must be able to show proof of insurance upon request. Mississippi also has mandatory minimums in regards to how much insurance you must carry in order to legally drive in the state.
Protect yourself and other drivers by knowing Mississippi’s car insurance laws before you set off for a leisurely drive along the Gulf Coast, or cruising past where Elvis grew up, or anywhere else in The Magnolia State.
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Here’s what you need to know about Mississippi’s car insurance laws.
Required car insurance coverage in Mississippi
Mississippi’s mandated minimum coverage is typically listed as a split, in this case, 25/50/25. This includes:
- $25,000 for bodily injury for one person
- $50,000 for bodily injury for one accident
- $25,000 for property damage for one accident
Remember, you may be required to purchase more insurance than the mandated minimum coverage if you are leasing or financing a car. Why? Because the owners of the vehicle want to protect their investment.
MORE: Types of insurance
Liability insurance in Mississippi
You are bound by law to carry liability insurance if you want to drive in Mississippi. If you cause an accident, your liability insurance will cover medical bills, pain and suffering, and any lost income suffered by those injured (drivers or passengers) in an accident. Your liability insurance will also cover any property damage caused by you in an at-fault accident.
Mississippi’s splits are 25/50/25. Here’s what those mean.
Bodily injury per person
This liability insurance limit indicates an insurer’s maximum payout of $25,000 per person for injuries caused by you in an accident.
Bodily injury per accident
This limit indicates your insurer’s max payout of $50,000 for one accident, applying to all injuries suffered by those hurt in an accident caused by you.
This $25,000 limit is the most your insurer will issue for any property damage you cause in an at-fault accident.
MORE: Liability coverage
State-mandated insurance limits, in-depth
Mississippi’s state-mandated minimums are the least amount of insurance you must buy in order to drive in the state. However much insurance you buy (whether the minimums or more) will act as the limit your insurer will payout in the case of an at-fault accident.
These minimums should be taken as guidelines—they almost certainly won’t be enough coverage if you are found to be at fault in a serious accident.
Is the minimum insurance requirement in Mississippi enough?
If you cause a serious accident that injures one or more people, the state’s minimums of $25,000 per injury for one person, and $50,000 for bodily injury per accident, can disappear quickly if those injured require significant medical care.
The same goes for the property damage limit. $25,000 may seem like a lot of money, but if you total another driver’s car, that might not even cover the car’s replacement costs, especially if it is new. If your limits are reached in any of these scenarios, you’ll have to pay out-of-pocket to cover any remaining costs.
This means you should buy more than Mississippi’s minimum insurance laws require. True, you may be forking over more money right now, but driving around with more robust protection will protect other drivers and yourself, especially in a financial sense.
Key Takeaway It is smart to pay a slightly higher premium in Mississippi in order to have excellent liability coverage, as opposed to the bare minimum.
Penalties for driving without proof of insurance
Thinking about taking a chance and not buying liability insurance? Not a good idea. If Mississippi’s finest pull you over and discover that you’re uninsured, you’re liable to face a fine of up to $1000 and your license may be suspended up to a year. You might also be convicted of a misdemeanor.
Key Takeaway You could face a misdemeanor charge for driving without liability insurance in Mississippi.
Optional car insurance in Mississippi
Liability may be the only required insurance in Mississippi, but there are several options that are commonly added to drivers’ policies. Here’s a breakdown of them all.
Collision insurance covers your car for damages if you’re involved in a collision with another car or a fixed object, like a concrete pillar.
Comprehensive insurance covers your car for damages from non-collision incidents, such as vandalism, theft, animal damage, or extreme weather damage.
Gap insurance coverage comes in handy if your car is totaled while it is owned by a lienholder. Gap insurance covers the difference between your car’s actual cash value (pre-accident) and what you still owe on your lease or loan.
Medical payments funds can be used to pay medical bills for yourself, or those in your car, who sustained injuries in an accident—no matter who was at fault.
Rental car reimbursement
If your car is damaged in an accident and undrivable, rental reimbursement coverage can be put towards paying for a rental car while your own car is being fixed.
MORE: What is a Car Lien?
Also known as towing & labor coverage, this add-on can help you if your car breaks down, if a flat tire needs fixing, or if you need a tow.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage will come in handy if you’re injured in a collision by a driver without insurance, or with very little coverage. Uninsured/underinsured coverage will pay for your medical bills in such circumstances.
Key Takeaway Adding optional insurance to your overall insurance policy will better protect you on the road—and down the road.
Why follow Mississippi car insurance rules?
If you fail to carry insurance with you at all times, you’re putting yourself in danger of fines (up to $1000), license suspension, and even criminal charges.
Key Takeaway If you’re a Mississippi driver and you don’t carry the mandated minimum liability insurance, you’re breaking the law.
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Is car insurance required in Mississippi?
Liability insurance is required in Mississippi. Other forms of insurance, such as collision and comprehensive insurance, are not required but can be added to your policy.
What are the minimum requirements for auto insurance in Mississippi?
In Mississippi, you are required to carry liability insurance consisting of $25,000 worth of coverage for bodily injury per person, $50,000 worth of coverage for bodily injury per accident, and $25,000 worth of coverage forproperty damage.
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