Mississippi car insurance: requirements & free quotes
Mississippi is an at-fault state with a 25/50/25 minimum. Hurricanes on the Gulf Coast and storms inland make it worth weighing comprehensive coverage, and uninsured drivers are a concern for many residents.
Minimum coverage in Mississippi
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Mississippi
- Keep uninsured motorist coverage, which protects you if an at-fault driver has no insurance.
- Comprehensive coverage covers hurricane, flood and hail damage.
- Ask about multi-policy and safe-driver discounts.
- Compare quotes regularly, since rates differ between insurers for the same coverage.
We connect drivers across Mississippi
Including Jackson, Gulfport, Southaven, Biloxi and Hattiesburg — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Mississippi car insurance FAQ
No. Mississippi is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.