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Shopping for car insurance in Mississippi can be difficult to navigate if you do not understand the ins and outs. We have compiled this guide that lists the information you need to know so that you can quickly and easily get the car insurance policy that fits your needs - at the lowest rate.

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Minimum Requirements

It is important to have the minimum required car insurance coverage in Mississippi. This will help you avoid penalties and out-of-pocket expenses. In comparison to the national average Mississippi is on par. Here is a list of the requires car insurance minimum requirements:

Bodily Injury Liability Coverage

$25,000 per person and $50,000 per accident.

Property Damage Liability Coverage $25,000 per accident.


Do I Need More Than the Minimum Coverage?

Mississippi has the reputation of having the least amount of drivers insured, so it is a good idea to purchase more than just the minimum car insurance requirements. There are additional coverage options available that will protect you if you are in an accident an the at-fault driver does not have insurance. It is worth looking into, especially if more than half the population does not comply with the state law. 


Additional Coverages Available in Mississippi 

Here is a list of additional coverages to protect you while driving on Mississippi: 

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Mississippi 

Adding a teen driver to your policy is definitely going to increase your premiums. Teen drivers, typically, are considered high-risk drivers. This is because they don’t have much experience. In Mississippi, your teen can start driving at 15 years old with a permit. This is the time they need to be added to your policy. How you add your teen driver to your policy can affect your rates, for instance, if they have their own car they are considered a primary driver. This rate is more than if they are sharing a car with someone else. There are discounts offered by most insurance companies if your teen meets the criteria, it is worth the time to investigate. If you need more information about the driving program for teens in Mississippi visit the Mississippi Department of Public Safety

Multiple Drivers in Mississippi 

Do you have multiple drivers in your house? If so tell your car insurance agent. Any person you are allowing to use your vehicle needs to be listed. This will keep you from running into any issues in the future. 

If you do not want to add all the drivers in your home to your policy that is perfectly ok. However, you will need to exclude them from your policy. It is not smart to let excluded drivers use your vehicle because they are not covered by your insurance. Any damages would be your responsibility and result in out-of-pocket costs.


Penalties for Driving Without Car Insurance in Mississippi 

If you are found to be driving without a valid insurance verification in Mississippi you have the option to present it before your hearing and your fines, court costs, and suspension will be waived and your case dismissed. This is only if the insurance was valid at the time you were given a citation.

Mississippi does not have an escalated offense program for driving without insurance. Here is a list of penalties if you are found to be without car insurance:

  • You will pay a $500 fine. 

  • Your license will be suspended for one year or until proof of insurance is provided

  • To be reinstated: An SR-22 certificate must be filed and maintained for three years. You will pay a $25 reinstatement fee plus applicable fees related to renewing a license.

  • If proof of future financial responsibility (SR-22) is submitted before the hearing, your fine will be reduced to $100.


Car Insurance Savings in Mississippi  

Mississippi has many options to get a discount on car insurance. We encourage you to take advantage of this by asking your car insurance company for a full list of discounts. This will help you narrow down the discounts you qualify for. We put together a short list of common discounts in Mississippi:

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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