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Cheap auto insurance in Mississippi

Illustration of Biloxi Bay Bridge is a bridge in MississippiIllustration of Biloxi Bay Bridge is a bridge in Mississippi


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

—or—

25/50/25

Car insurance coverages in Mississippi

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 offered in Mississippi?

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

—or—

100/300/100

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 coverages are available in Mississippi?

  • Medical payments

  • Uninsured motorist bodily injury

  • Uninsured motorist property damage

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Bodily injury liability

  • Property damage liability

  • Car loan protection

What’s the oldest a vehicle can be to get 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?

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

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

What policy terms are available in Mississippi?

6 months and 12 months.

What is the minimum down payment option in Mississippi?

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

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

SR22s are used in Mississippi, filed at no charge.

What discounts are available in Mississippi?

  • Multi-car

  • Homeowners (includes responsible renter—e.g., carries rental policy)

  • Prior insurance (transfer)

  • Paid in full

  • Quarterly

  • Advanced quote

  • Defensive driver course

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