Mississippi Auto Insurance

Mississippi car insurance is pretty straightforward. But that doesn't mean that you're getting the best deal possible.

This guide:

  • Explains Mississippi auto insurance laws and requirements

  • Describes how Mississippi car insurance rates are set

  • Shows you how to save money with multiple quotes

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Mississippi auto insurance laws

Mississippi is a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident. To drive a vehicle in Mississippi, you're required to show proof of financial responsibility.

You can prove this responsibility by posting a bond or certificate of deposit for $25,000, or by buying a minimum amount of liability coverage. Most drivers opt to buy the Mississippi car insurance.

Mississippi's liability minimums are 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property.)

Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.

Mississippi auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

How Mississippi car insurance rates are set

The price of Mississippi auto insurance is decided by the behavior of the state's drivers as a whole. Mississippi auto insurance companies take the cost of providing insurance for Mississippi drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Mississippi auto insurance policy.

Where you can get Mississippi auto insurance quotes

The following web sites will help you find Mississippi car insurance quotes: (these links will open in a new window)


  • ComparisonMarket is the best online insurance shopping service. This is where you'll save the most money, in the least amount of time.

Click here for your quote.

Others:

  • Netquote is very helpful if you want a local agent to contact you, to help you iron out the details of your policy, and possibly save you more money.

  • Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

  • Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

To speed things up, you might wish to have some information required for an online quote ready before you begin.

More MS car insurance advice and help

If you want more help designing your MS auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about MS auto insurance laws and regulations, visit the state's official website of the Mississippi Department of Insurance.

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Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here: