Mississippi motorcycle insurance

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

Mississippi has everything a motorcycle enthusiast like you would want in a road trip destination. But before you embark on the journey, review the state’s laws and make sure you have the motorcycle insurance coverages and limits you need.

What’s required of all motorcycle riders in Mississippi?

To operate a motorcycle in Mississippi, you’ll need a motorcycle endorsement on your regular driver’s license. You’ll need to take written and riding tests to earn your endorsement, unless you’ve moved from a different state and already have a motorcycle license or endorsement from that state. In that case, you may not need to take these tests—but you should still review Mississippi’s rules of the road, including:

  • Helmets: Operators and passengers must both wear protective headgear approved by the American Association of Motor Vehicle Administrators. We can help you find a motorcycle helmet that works for you and your riding style.

  • Headlights: All motorcycles must have one or two headlamps that display white light—no flashing, red, or blue lights are allowed. Keep your headlights on whenever operating your bike, even during the day.

  • Brakes: Your motorcycle must be equipped with at least one hand or foot brake.

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What are the motorcycle insurance requirements in Mississippi?

Nearly all states establish their own minimum motorcycle insurance coverage limits for bodily injury and property damage liability coverages. Here are the requirements in Mississippi: 

  • $25,000 for bodily injury liability or death to one person

  • $50,000 for bodily injury liability or death to two or more persons

  • $25,000 in property damage liability for destruction or damage of property

Keep in mind, these are just the minimum required limits. Carrying only these coverage amounts may leave you vulnerable to out-of-pocket costs following an accident. Purchasing higher limits can help mitigate this risk.

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Does your policy still make sense for you?

Learn why reviewing your motorcycle insurance regularly can help you save.

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Are optional motorcycle insurance coverages available in Mississippi?

Absolutely. If you’re looking to build a more customized motorcycle insurance policy to help protect yourself, your bike, and your bank account, here are some optional coverages to consider:

Uninsured (UM)/underinsured (UIM) coverage

If you’re in a collision and the other motorist is at-fault but is uninsured—or has some coverage, but not enough to pay your resulting medical costs or property damage—these coverages can help reduce out-of-pocket costs for you and your passenger. Insurance providers in Mississippi are required to offer these coverages. If you don't want them, you'll need to sign an opt-out form.

Collision coverage

If you hit something with your motorcycle or flip it—or even if it just tips over while parked—collision coverage can help you pay to repair or replace your bike.

Comprehensive coverage

Comprehensive coverage can help you pay for repairs if your bike is damaged by something other than a collision—for example, theft, vandalism, hail damage, and even encounters with animals.

Medical payments coverage

It’s an unfortunate reality that hospital visits are usually pretty expensive. This optional coverage can help pay for your medical bills and your passenger’s medical bills—plus any related fees—following a covered accident.

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Ready to insure your bike?

Review these motorcycle insurance recommendations to help build your policy.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Mississippi motorcycle insurance discounts

Looking to reduce your rates? Make sure you apply all the motorcycle insurance discounts you’re eligible for. Here are several discounts we offer in Mississippi:

  • Homeowner

  • Loyalty 

  • Operator safety course

  • Transfer

  • Rider group

  • Harley Owners Group (H.O.G.) member

  • Multi-vehicle

Sites to see in Mississippi

Along with being the birthplace of American bluegrass music, Mississippi features a wide array of museums, historic monuments, and natural wonders. Here are a few must-see stops to make as you traverse the state.

Natchez Trace Parkway

Natchez Trace Parkway is a 444-mile recreational road that spans three states and features historic trails dense with trees that change with the seasons. Bring your friends with their touring bikes and explore.

Davis Bayou area in Gulf Islands National Seashore

The brackish marshes and windswept shorelines throughout the Davis Bayou area in Gulf Islands National Seashore are teeming with wildlife and fascinating fauna—not to mention folklore spanning centuries of American history. Be sure to ride out to the coast for a view of the Gulf of Mexico and plan an overnight stay at the onsite campground.

Elvis Presley’s birthplace

Did you know that Elvis Presley was born in a two-room house in Tupelo, Mississippi? It’s true—and you can visit his birthplace to this day. Learn more about the King of Rock and Roll’s early life by visiting that very house—which is now a historic museum—and the nearby church he frequented.

There are ATV trails all across the state of Mississippi. Ready to head out? Make sure your off-road vehicles are covered.

Get a Mississippi motorcycle insurance quote

Get your motorcycle insurance in order before you explore Mississippi. Request a quote online by entering your information below or call 866-324-7952.

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