Mississippi Car Insurance Requirements (Updated for 2025)

Driving in Mississippi requires carrying minimum liability insurance. Mississippi is an at-fault state with the nation’s highest rate of uninsured drivers (~29%). Carrying uninsured/underinsured motorist (UM/UIM) coverage is strongly recommended—miss it and you could lose recovery rights due to “No Pay, No Play” restrictions.

Minimum Liability Coverage in Mississippi

As of 2025, the state mandates:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident

Also written as 25/50/25 coverage.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

Insurers must offer UM/UIM at minimum limits—you may opt out in writing. Given ~29% uninsured drivers, it’s wise to carry this coverage. UIM is stackable across vehicles.

• UM Bodily Injury: $25,000 per person / $50,000 per accident
• UM Property Damage: $25,000 per accident (optional)

“No Pay, No Play” Law

Uninsured drivers cannot recover the first $10,000 in bodily injury or property damage in any accident—even if not at fault. Exceptions apply for DUI at-fault drivers.

Proof of Insurance Requirements

You must carry proof of insurance—paper or digital—and show it upon request. Without it, you face fines, suspension, and possibly impoundment.

Penalties for Driving Without Insurance

• Fine: $1,000; reduced to $100 if you show proof before hearing
• License suspension: Up to 1 year or until insurance is obtained
• SR‑22 requirement for at least 3 years after conviction
• Failure to present proof: $300 first offense, $400 second, $500 third; suspension possible

Optional Coverages to Consider

• Collision & Comprehensive – lender-mandated if financed
• Medical Payments (MedPay)
• Roadside Assistance
• Rental Reimbursement

UM/UIM and MedPay help bridge gaps for injury and damage costs, especially with high uninsured-driver rates.

Mississippi Facts & Community Insights

With about 29‑30% uninsured drivers—highest in the nation—UM/UIM coverage is nearly essential. Reddit users often say:

> “We have a lot of uninsured motorists.”

> “Without uninsured motorist coverage, you’ll have a totaled car you still have to pay for.

Compare Auto Insurance Quotes in Mississippi

Insurance rates vary based on your location, driving history, vehicle type, and coverage levels. Use the tool below to compare quotes from top insurers in Mississippi:

🔍 Start Comparing Mississippi Car Insurance Quotes →

FAQs

Is Mississippi a no‑fault state?

No. It’s an at-fault (tort) state with pure comparative negligence—fault is allocated by percentage.

Is UM/UIM coverage mandatory?

No, but insurers must offer it—you can decline in writing, though coverage is very highly recommended.

What is SR‑22?

After a conviction for driving uninsured, an SR‑22 form is required and stays on file for at least 3 years.