Car Insurance in Mississippi
Mississippi requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
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Mississippi at a glance
Data as of 2023Average cost
$1,200/yr
≈ $100/mo
vs U.S. average
-6%
below the national avg of $1,282/yr
Required minimums
25/50/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Mississippi requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
Mississippi has one of the higher rates of uninsured drivers in the country, so optional uninsured motorist coverage is worth considering even though it isn’t required. Comparing carriers is the simplest way to keep your premium down.
Mississippi minimum car insurance requirements
Mississippi requires $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. Uninsured motorist coverage is optional but often recommended given the state’s rate of uninsured drivers.
Uninsured motorist coverage is not required by Mississippi but is offered and recommended.
How much does car insurance cost in Mississippi?
The average driver in Mississippi pays $1,200 per year for auto insurance — that's 6% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Mississippi vs the national average
6% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Mississippi premiums have changed since 2019
Auto insurance costs in Mississippi have risen 23% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Mississippi vs national average
Mississippi is up 23% from $978 in 2019 to $1,200 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Mississippi policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Mississippi
Driving uninsured in Mississippi can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Mississippi
Rates for the same driver can vary widely between insurers in Mississippi, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Mississippi car insurance FAQs
Common questions about auto insurance in Mississippi
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