Last updated: November 2023

Southaven, MS Auto Insurance

Situated along the Mississippi-Tennessee border, Southaven is a wonderful place to call home. Downtown Memphis is just minutes away. A few hours in the car can have you at the beach or in the mountains, making weekend road trips a treasured pastime. But before you hop in the car for your next adventure, make sure you’re protected with affordable auto insurance coverage.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for the best cheap car insurance in Southaven, MS, call Direct Auto.

Southaven, MS Minimum Car Insurance Requirements

Mississippi auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Mississippi are 25/50/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. If you’re still confused what your insurance policy must include, please refer to the chart below.


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

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

Southaven, MS Proof of Financial Responsibility & Penalties

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 any lapses or gaps in coverage, and always carry proof of insurance.

SR-22 Insurance in Southaven, MS  

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.

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, MS, Auto Insurance

Hattiesburg, MS, Auto Insurance

Jackson, MS, Auto Insurance

West Gulfport, MS, Auto Insurance

Other Mississippi Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Looking for affordable and cheap car insurance in Southaven? 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!

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