Mississippi Minimum Coverage Car Insurance: Requirements and Costs (2024)

Mississippi mandates that drivers carry minimum car insurance requirements, specifically $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. Mississippi is an at-fault state, which means the driver responsible for the accident bears the financial liability for damages.

The cost for state minimum car insurance in Mississippi hovers around $34 monthly, making the pursuit of the cheapest car insurance in Mississippi an important financial decision for budget-conscious drivers.

In Mississippi, drivers are required to carry minimum coverage auto insurance to legally operate a vehicle. This coverage includes:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Mississippi follows the fault-based system, which means your insurance premium could be affected by your driving record and the likelihood you will be found at fault in an accident.

The table reflects Mississippi's minimum car insurance requirements, including bodily injury and property damage coverage. Remember, your policy's specific coverage is defined by its terms and conditions.

When considering the cost of minimum car insurance rates, age is a significant factor, and it can greatly influence the price of a policy. In Mississippi, drivers in the 22-29 age group face the highest premiums due to their lack of experience on the road and potentially higher risk for insurers.

The table highlights the average cost for minimum coverage auto insurance in Mississippi across different age groups.

Discover the most wallet-friendly options for minimum coverage auto insurance in Mississippi, with premiums that are both manageable and competitive.

• State Farm: $299 per year and $25 per month
• Direct General Insurance: $306 per year and $26 per month

Review your options carefully to secure the protection that best fits your circumstances. Explore the best car insurance in Mississippi for a comprehensive view of your options.

In Mississippi, drivers can opt for additional coverages, such as comprehensive, collision, uninsured/underinsured motorist, medical payments and rental reimbursement. These optional protections offer financial security for various incidents beyond the state minimum coverage, safeguarding against theft, vandalism and accidents with uninsured drivers. To assess how much car insurance you need, consider these add-ons to enhance your policy.

In Mississippi, the cost of a ticket for driving without insurance can vary depending on whether it's your first offense or if you’ve been caught before. If it's the first time, the penalties are usually less severe compared to subsequent offenses, which result in heftier fines and possibly, harsher consequences.

For drivers caught without the minimum coverage in Mississippi, additional penalties may include:

• Vehicle impoundment: Your car may be taken away, and you'll have to pay fees to get it back.
• Suspension of vehicle registration: You could lose the right to drive your car until proper insurance is obtained.
• License suspension: Your driver's license might be suspended, requiring payment of a reinstatement fee to get it back.
• SR-22 requirement: This is a certification of financial responsibility you'll need to file and maintain.
• Jail time: If involved in an accident while uninsured, you could face up to six months in jail.

Remember, it’s essential to follow the law and keep your car insured. Not only does it protect you financially, but it also ensures you stay on the right side of the law and avoid these penalties.

If a driver's car insurance policy is canceled in Mississippi, they must immediately seek new insurance coverage and should not drive until they are insured again. Continuing to drive without insurance is illegal and can result in severe penalties. It's important to talk to an insurance agent for advice and to explore different insurance providers to find a new policy.

The Mississippi Department of Public Safety will be notified by insurance companies when a driver is uninsured due to policy cancellation. This could trigger a suspension of the driver's license and vehicle registration. Drivers are then at risk of fines and reinstatement fees if they do not secure insurance promptly.

To obtain new insurance after cancellation, drivers can shop around for private insurers or, if finding it difficult to get insured, they can check if they are eligible for the Mississippi Automobile Insurance Plan (MAIP). MAIP provides a way for high-risk drivers to get the state minimum coverage.

Here, you'll find concise answers to common questions about the coverage you must legally carry to drive in Mississippi.