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This page provides the latest info on car insurance in the state of Mississippi.

Scroll down and learn how to score the lowest premium rates on your Mississippi car insurance policy.


Mississippi state law doesn't require auto insurance, as car owners do have the option of posting cash bonds to cover the costs of future auto accidents.

So, in a sense, the state still forces drivers to buy car insurance, since accidents are too costly for most of us to handle on our own. 



photo: msjphotography.com






Average Auto Insurance Rates 

The Average Annual Auto Insurance Premium in the state of Mississippi was $1,277 last year, just a tad lower than the national average, which was $1,347 at the time. 


This, despite the fact that Mississippi has a relatively high rate of speeding fatalities. 

Still, premiums stay lower than average, probably due to the relatively poor economy, as compared to other U.S. states.




Minimum Liability Coverage

The minimum auto insurance liability coverage available in the state of Mississippi is 25/50/25 per vehicle.

That means $25,000 in coverage against personal injury, $50,000 in coverage against injury to others, and $25,000 to cover the cost of property damage.

Most Mississippi drivers purchase the minimum coverage, despite the fact that experts recommend 100/300 coverage for each vehicle owned in the United States.

Experts also recommend Uninsured Motorist Insurance (UMI) for Mississippi drivers, because Mississippi has the highest percentage of uninsured vehicles of all U.S. states.




Penalties for Uninsured Drivers

Driving an uninsured vehicle in Mississippi, without proof of ability to pay for accidents, results in a $500 fine and a suspended license for up to one year.

Still, roughly twenty-eight percent (28%) of vehicles on Mississippi roads are uninsured. This is partly due to the state's struggling economy, where many drivers cannot afford car insurance.




Auto Insurance Discounters

Car insurance carriers in Mississippi, and in most U.S. states, offer various discounts to promote good driving habits and to get you to buy their policies.

Lowering the cost of auto insurance often depends on grabbing a lot of discounts, which can be combined into a single policy. Discounts offered by car insurance carriers include

  • Accident Free discounts,
  • Good Driver discounts,
  • Good Student discounts,
  • Senior Citizen discounts
  • Multiple Policy discounts,
  • Passive Restraint discounts
  • Vehicle Safety discounts 

...to name just a few.


The most cost effective way to reduce car insurance premiums is to qualify for as many special discounts as you can get.




Obtaining Auto Insurance Quotes

According to consumer reviews and statistical reports, the top auto insurance discounters in Mississippi are major carriers like

  1. Allstate Insurance
  2. Geico
  3. Liberty Mutual Insurance
  4. State Farm Insurance
  5. 21st Century Insurance


At the same time, many Mississippi car owners prefer local carriers such as Direct General.

Mississippi is home to many thousand insurance agents offering all kins of car insurance policies at competitive rates.

Just get a few free quotes online. Then contact a few local agents for additional free quotes, and ask about their discounts

Finally, calculate the discounts and choose whichever policy best suits your insurance needs and has the lowest annual premium rate. 





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