Mississippi Auto Insurance Requirements & Rates
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
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Mississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Mississippi operates as an at-fault (tort) state, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of insurance and file verification with the Mississippi Department of Insurance upon registration and renewal. Mississippi law also mandates that insurers offer uninsured motorist coverage at limits equal to your liability coverage, though you may reject it in writing.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $100/mo
Average car insurance spending in Mississippi
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Annual mileage: Rural drivers commuting long distances on two-lane highways face higher rates than urban drivers with shorter commutes, despite lower theft risk.
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Mississippi a no-fault state for car insurance?
No, Mississippi is an at-fault (tort) state. The driver who causes an accident is liable for damages, and injured parties can file claims against the at-fault driver's liability insurance or sue for damages exceeding policy limits. This makes carrying liability coverage above the 25/50/25 minimum advisable to protect against lawsuits.
How long do I need SR-22 insurance in Mississippi?
Mississippi requires SR-22 filing for three years following a DUI, serious violation, or license suspension. The SR-22 is a certificate proving you maintain continuous insurance, filed by your insurer with the Mississippi Department of Public Safety. Any coverage lapse during the three-year period triggers automatic license suspension and restarts the full three-year requirement.
Coverage Types
Liability Insurance
Mississippi's required 25/50/25 liability protects other people when you cause an accident, but leaves you exposed if damages exceed these limits. Upgrading to 100/300/100 or higher costs an additional $20–$40/month and provides meaningful protection against lawsuits in serious accidents.
Full Coverage
Combines liability, collision, and comprehensive into a complete package that protects both your legal obligations and your vehicle. Required by lenders and advisable for any vehicle worth more than $3,000–$4,000.
Comprehensive Coverage
Covers non-collision events including weather damage, theft, vandalism, falling objects, and animal strikes. Pays the actual cash value of your vehicle minus your deductible.
Uninsured Motorist Coverage
Covers your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance or flees the scene. Mississippi law requires insurers to offer this at limits matching your liability coverage.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another vehicle or object, regardless of who caused the accident. Deductibles typically range from $250–$1,000.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed with the Mississippi Department of Public Safety after a DUI, serious violation, or suspension. Required for license reinstatement and maintained for three years.