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Mississippi car insurance

Mississippi Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Mississippi mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to carry valid minimum liability insurance could result in a fine of $1000 and a one-year license suspension. Penalties increase accordingly for each subsequent offense.

Mississippi Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Mississippi they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $25,000

Mississippi Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Mississippi does not require this coverage.

No Fault Insurance
In Mississippi, you are not required to carry no-fault insurance. Mississippi is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.