State Requirements
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Mississippi’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Mississippi:

Is it mandatory to have car insurance in Mississippi? 

Yes, although the requirement can also be satisfied by posting a bond or cash security deposit equal to the minimum required amount.

What are the minimum limits for Mississippi?

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in Mississippi

At Dairyland, we’re proud to be able to help drivers in Mississippi meet their insurance needs. Here are some of the parameters of our insurance coverage in Mississippi:

What is the maximum bodily injury liability and property damage liability limit available in Mississippi?

$100,000 bodily injury liability per person 
$300,000 bodily injury liability per accident 
$100,000 property damage liability per accident



What coverages are required to be offered in Mississippi? Can a customer reject them?

Bodily Injury liability and Property Damage liability must be offered and can’t be rejected. Uninsured motorist bodily injury and uninsured motorist property damage must also be offered, but can be rejected. 

What are all the coverages available in Mississippi?

  • Medical Payments
  • Uninsured Motorist
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Roadside Assistance
  • Bodily Injury and Property Damage
  • Car Loan Protection

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Mississippi?  

25 years 

How far back does Mississippi go to look at violation history? 

 3 years

What additional policy types are offered in Mississippi?

Named Non-Owner

Is an insurance score used in my rating in Mississippi? If so, is it mandatory? 

 Yes, an insurance score is used for rating in Mississippi, but you can opt out.

What policy terms does Dairyland offer in Mississippi? 

6-month and 12-month 

What is Dairyland’s minimum down payment option in Mississippi? 

20% for a 6-month term and 10% for a 12-month term 

Are SR22s used in Mississippi? If so, is there a fee assessed by Dairyland? 

SR22s are available in Mississippi, filed at no charge.

What discounts are available from Dairyland in Mississippi?

  • Multi-car
  • Homeowner (includes responsible renter—e.g., carries rental policy)
  • Prior insurance
  • Paid in full
  • Quarterly
  • Advance quote
  • Defensive driver course
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