Mississippi car insurance: minimums, prices and your estimate
Mississippi requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Mississippi is an at-fault state with no personal injury protection requirement. Uninsured motorist coverage, which also protects you from underinsured drivers, comes with every policy unless you reject it in writing.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with Public Safety
What drivers in Mississippi can expect to pay
Monthly ranges from our model, anchored to Mississippi's position in 7 published price studies from 2025 and 2026 ($2,739 a year for full coverage and $666 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $197-$260 | $2,739 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $48-$63 | $666 |
| Young driver, full coverage20, own policy, clean record | $365-$548 | $5,478 |
| Senior, full coverage70, clean record | $188-$250 | $2,629 |
| After one at-fault accident35, full coverage | $294-$390 | $4,109 |
| After a DUI35, full coverage | $343-$515 | $5,149 |
| Poor credit35, clean record, full coverage | $350-$503 | $5,122 |
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Rules worth knowing in Mississippi
- Uninsured motorist coverage pays for injuries and property damage at no less than the state minimum limits. It also applies when the at-fault driver's injury limits are below your own uninsured motorist limits.
- You can reject only the property damage part, but you cannot keep property damage coverage while rejecting injury coverage. The property damage part may exclude the first $200.
- Medical payments coverage is optional.
- Instead of insurance, you can make a cash or security deposit equal to the minimum limits.
- Failing to keep proof of insurance can bring a $1,000 penalty and suspension of your driving privileges for one year or until you show proof of insurance.
- If you are told you need an SR-22 or other proof-of-insurance filing, Mississippi sets how long you must keep it, so check with the Mississippi Department of Public Safety.
Questions about Mississippi car insurance
What is the minimum car insurance in Mississippi?
Mississippi requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Mississippi per month?
For a 35-year-old with a clean record, our model puts full coverage at about $197 to $260 a month and state-minimum coverage at about $48 to $63. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Mississippi a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Mississippi use my credit score?
Yes. Many insurers in Mississippi use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Mississippi?
Only if a court or the state requires one, usually after a serious violation or a lapse. If you are told you need an SR-22 or other proof-of-insurance filing, Mississippi sets how long you must keep it, so check with the Mississippi Department of Public Safety.