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.
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.
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:
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.
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 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.
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.
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:
Operator safety course
Harley Owners Group (H.O.G.) member
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.
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.
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.
Get your motorcycle insurance in order before you explore Mississippi. Request a quote online by entering your information below or call 866-324-7952.