Auto Insurance in Mississippi

Coverage explained

Mississippi auto insurance — what you actually need

Mississippi is a tort state, meaning the at-fault driver is responsible for damages after an accident. That makes having adequate liability coverage especially important.

Mississippi minimum requirements

The state requires 25/50/25 liability coverage — $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. These limits are low. A single serious accident can exceed them significantly, leaving you personally responsible for the difference.

Uninsured/underinsured motorist coverage

Mississippi consistently ranks among the states with the highest rates of uninsured drivers. UM/UIM coverage protects you when the at-fault driver has no insurance or not enough. We strongly recommend carrying it.

Collision and comprehensive

Collision covers damage to your vehicle from an accident, regardless of fault. Comprehensive covers theft, storm damage, hitting an animal, fire, and other non-collision losses.

Medical payments

Covers medical expenses for you and your passengers after an accident, regardless of fault — a useful add-on given Mississippi's high uninsured driver rate.