Last updated: November 2023

Mississippi Auto Insurance

Whether you live along the Gulf Coast in Biloxi or up north in Oxford or Tupelo, there are plenty of things to love about Mississippi. The “Birthplace of Blues Music” has beaches, rich history, delicious dining options, and so much more. But no matter what adventure you have planned next, affordable auto insurance coverage can help keep you safe on your journey.

Direct Auto Insurance is proud to offer car insurance in Mississippi, the “Magnolia State.” In this guide, we’re teaching you which coverages are mandatory, which ones are optional, and how Direct Auto can help you find cheap Mississippi car insurance. Get a free quote to see how much money you can save with Direct.

Mississippi Car Insurance Laws

Do you have to have car insurance in Mississippi?

Mississippi law requires all drivers to provide proof of financial responsibility, and all Mississippi auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Mississippi are 25/50/25, as shown below under Mississippi Minimum Car Insurance Requirements.

Mississippi Minimum Car Insurance Requirements

Wondering what your insurance policy needs to meet Mississippi’s insurance requirements? Here’s a quick breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage helps you fulfill Mississippi’s legal requirements, it doesn’t necessarily protect you and your vehicle in every circumstance. You would need to add additional coverages, like UM/UIM, comprehensive and collision, to protect yourself and your vehicle in an accident, regardless of fault.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, Direct Auto offers add-on services and other insurance products for Mississippi drivers:

Mississippi Proof of Financial Responsibility and Penalties

What if I don't meet Mississippi’s minimum car insurance requirements?

Thinking about getting behind the wheel without insurance in Mississippi? Think again!

If you’re caught driving without proper insurance coverage, you’ll face a $500 fine and a one-year license suspension, according to the Consumer Federation of America. Even if you just forgot your insurance card at home, you’ll still be subject to a smaller fine, and face a license suspension until you can show proof of coverage.

So, what’s the best thing you can do? Make sure you always meet the state minimum requirements, avoid lapses or gaps in coverage, and always carry proof of insurance.

Penalties for Driving with a Suspended License in Mississippi

If you drive with a suspended license, you'll be subject to a misdemeanor charge which comes with a fine of up to $500 and up to six months in jail, according to You’ll also face an additional six-month license suspension.

SR-22 Insurance in Mississippi

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if:

If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.

High-Risk Auto Insurance in Mississippi

Most individuals don’t have a spotless driving record, and after a handful of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

At Direct Auto, we're proud to offer non-standard coverage to Mississippi drivers. We believe your driving history shouldn't define you forever, and we work hard to help you get quality, affordable coverage, regardless of your past.

Where can I find the cheapest car insurance rates in Mississippi?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Mississippi Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, some of the state’s cities have busy traffic and others offer quiet streets without many accidents. But no matter what city you call home in the Magnolia State, we’re here to help you get covered.

Gulfport Auto Insurance

Hattiesburg Auto Insurance

Jackson Auto Insurance

Southaven Auto Insurance

West Gulfport Auto Insurance

Other Mississippi Auto Insurance Resources

Find Cheap Car Insurance in Mississippi with Direct Auto!

Looking for affordable and cheap car insurance in Mississippi? Get a free car insurance quote for a Direct Auto policy today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible. Call or click to get a Mississippi car insurance quote today!

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states

For additional details and disclaimers, please see our Terms of Use.

Find a Store

Enter ZIP code to find a store near you.

Start Auto Quote

Enter ZIP code to start your quote.