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

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

The monthly cost of minimum car insurance in Mississippi is around $38. For more details, check out the minimum car insurance requirements and explore options for finding the cheapest car insurance in Mississippi. Investing in the right coverage can provide peace of mind while adhering to state laws.

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.

Age is a significant factor in determining the cost of minimum car insurance rates and can greatly influence the price of a policy. In Mississippi, drivers aged 22 to 29 face the highest premiums due to their statistically higher likelihood of accidents and riskier driving behaviors.

The table highlights the average cost for minimum coverage auto insurance in Mississippi across different age groups, providing a clear comparison of rates across different stages of life.

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

• Direct General Insurance: $306 per year and $26 per month
• State Farm: $315 per year and $26 per month

Review your options carefully to secure the best car insurance in Mississippi that best fits your circumstances.

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.