Mississippi Car Insurance Requirements

Minimum Coverage Requirements

Mississippi requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Mississippi

Drivers in Mississippi typically pay approximately $1,500 per year ($125/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Mississippi

State Regulations and Key Rules

Mississippi has the highest uninsured driver rate in the United States. It is an at-fault state, and uninsured motorist coverage, while not required, is critical given the extremely high rate of uninsured drivers.

What Makes Mississippi Unique

With nearly 30% of drivers uninsured, Mississippi presents significant risk for drivers who do not carry uninsured motorist coverage. Experts strongly recommend adding this coverage despite it not being legally required.

Uninsured Drivers in Mississippi

Approximately 29.4% of drivers in Mississippi are estimated to be uninsured. This is a notably high uninsured rate — UM/UIM coverage is strongly recommended and, in many cases, essential for adequate financial protection.

Risk Factors Specific to Mississippi

Gulf Coast Mississippi faces significant hurricane risk, making comprehensive coverage essential for coastal residents. Jackson has elevated vehicle theft rates. Tornado risk is significant across central and northern Mississippi.

What Mississippi’s Minimum Actually Covers

Mississippi’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Mississippi

Uninsured motorist coverage isn’t mandatory in Mississippi, though insurers generally must offer it and you may have to reject it in writing.

How Mississippi Compares: Uninsured Drivers and Price

An estimated 29.4% of Mississippi drivers are uninsured — roughly 1 in 3 — one of the highest uninsured rates in the country. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,500 a year puts Mississippi above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Mississippi

Uninsured motorist coverage is non-negotiable in Mississippi given the nearly 30% uninsured rate — the premium cost is modest relative to the risk. Jackson has higher rates than coastal or northern cities due to theft and accident frequency. Bundling home and auto with regional carriers can yield meaningful savings.

• Mississippi's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Mississippi, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 29.4% of Mississippi drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Mississippi?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Mississippi a no-fault state?

No. Mississippi is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Mississippi?

An estimated 29.4% of Mississippi drivers are uninsured, roughly 1 in 3.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.