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Published: April 18, 2022Last updated: October 20, 2022

Guide to Auto Insurance in Mississippi

What to know when hitting the road in the Magnolia State

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Like most states, Mississippi requires its 2 million licensed drivers to carry auto insurance. How much does that cost?

On average, Mississippians pay $975.58 each year for auto insurance, which is 10 percent less than the national average. While Mississippi doesn’t require uninsured/underinsured motorist coverage, it’s not a bad idea considering the state has the highest rate of uninsured drivers in the nation. Learn more about car insurance in the Magnolia State below.

Minimum Coverage for Mississippi Auto Insurance

  • Bodily injury liability: ​​You need at least $25,000 in bodily injury liability coverage per accident involving one person and $50,000 per accident involving two or more people. Bodily injury liability covers the cost of treatment for injuries you cause to someone else. It does not cover injuries that you or your passengers sustain.
  • Property damage liability: You need a minimum of $25,000 in property damage liability coverage. Property damage liability pays for damage you cause to someone else’s property, usually their car. It does not pay for damages to your vehicle.

Mississippi does not require drivers to carry uninsured/underinsured motorist coverage (UIM) or medical payments coverage.

How Much Coverage Do I Need in Mississippi?

While Mississippi requires only bodily injury and property damage liability, it’s wise to purchase additional coverage. UIM coverage is a particularly good idea, considering 29 percent of drivers in Mississippi are uninsured — the highest rate in the country, according to the Insurance Research Council.1

CheckDID YOU KNOW?

Mississippi has the highest proportion of uninsured drivers in the country: Nearly 3 in 10 drivers are uninsured.

Medical payments, collision, and comprehensive coverage will also provide greater protection in the event of an accident. Additionally, you’ll want to increase your liability limits beyond the required minimum. We recommend full coverage car insurance, although it’s more than what’s required in Mississippi via its state laws. Although the average rate for full coverage is higher, it will save you money if you have claims.

Type of coverage Whose losses it covers What it covers Minimum limit we recommend Deductible
Bodily injury liability Other party’s Medical costs (injury or death) $500,000 (combined with property damage) No
Property damage liability Other party’s Property damages $500,000 (combined with bodily injury) No
Comprehensive Yours Vehicle damages from incidents other than collisions (e.g., weather, theft, vandalism) Actual market value of your vehicle Yes
Collision Yours Vehicle damages from collisions Actual market value of your vehicle Yes
Uninsured/underinsured motorist Yours Property damages and medical costs in the event someone with insufficient or no insurance hits your car $500,000 No
Medical payments Yours Medical costs (injury or death) $500,000 No

Average Car Insurance Rates in Mississippi

On average, Mississippians spend $975.58 on auto insurance annually. The average annual cost of liability coverage is $544.43, collision coverage is $364.63, and comprehensive coverage is $238.95.2

These are averages, and you might pay more or less depending on other factors like your age, credit, vehicle, driving record, coverages, and provider. We’ve seen annual premiums as low as $301 and as high as $8,989. The cost of insuring teen drivers tends to be highest. To find the best rates, shop around with multiple providers before choosing one.

Car Insurance Companies in Mississippi

  • AAA
  • Alfa
  • Allstate
  • Amica
  • Direct
  • Esurance
  • Farm Bureau
  • GEICO
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeway
  • Shelter
  • Southern Farm Bureau
  • State Farm
  • The General
  • Travelers
  • USAA

How Can I Lower My Premiums in Mississippi?

Auto insurance is a significant monthly expense, and it makes sense to find the cheapest car insurance provider. Additionally, here are some ways you can lower your costs without switching providers:

  1. Take advantage of discounts. Auto insurance providers offer discounts for a number of things, like using a GPS monitor, owning a vehicle with certain safety features, and having a clean driving record. Discounts are especially helpful for lowering the cost of insuring a teen driver. Teens get discounts for being a good student, enrolling in college, and taking driver’s education courses.

Light BulbTIP:

Ask your insurance provider whether it offers discounts for activities like using a GPS monitor, taking a defensive driving course, and maintaining a good driving record.

  1. Bundle your other policies. Combining your auto insurance with other policies, like homeowners or renters insurance, business insurance, and life insurance, can lower your costs all around.
  2. Raise your deductibles. When you raise your deductibles for coverages like collision and comprehensive, you lower your monthly premiums. That said, make sure you would be able to afford the higher deductible in the event of a claim.
  3. Lower your coverage limits. If you lower your coverage liability limits, your monthly premium will go down too. But, like raising your deductibles, make sure you can afford it. When you lower your limits, your payout will be lower if you file a claim, and you’ll have to cover any difference out of pocket.

Proof of Car Insurance in Mississippi

Like most states, Mississippi requires you to have proof of insurance. If you drive without insurance in Mississippi, you’ll face a $500 fine and a license suspension of up to one year. However, if you show proof of insurance before your hearing, the fine will decrease to $100 and your license suspension will be lifted.3

Avoid unnecessary fines, suspensions, and other headaches by always driving with proof of insurance. Mississippi accepts both paper and digital proof.

Check whether your provider offers digital proof of insurance on a mobile app, which you could then add to your smartphone wallet. You might also have the option to download a PDF. Of course, an old-fashioned paper insurance card in your glove compartment works just as well.

Driving Laws in Mississippi

Fault System

Mississippi is an at-fault state, which means that the driver responsible for the accident must pay for the other party’s property damage and medical treatments. (In no-fault states, each party pays for their own medical treatments). That’s why it’s a good idea to purchase medical payments coverage. Hospital bills can accumulate quickly, and you don’t want to be on the hook for paying someone’s bills out of your own pocket.

Additionally, Mississippi has pure comparative negligence laws. This means that if you and the other party were each partially responsible for the accident, you can split the costs according to the degree of fault. With pure comparative negligence, you can sue the other party to recover damages, even if you hold a higher degree of fault. For example, if you hold 90 percent of the fault for the accident, you can still sue the defendant for 10 percent of the damages.

Uninsured Motorists

UIM coverage helps you pay for expenses if a driver hits you and their liability limits are too low to pay for the damages, or they lack insurance altogether. While Mississippi does not require drivers to carry UIM coverage, it’s wise to purchase it anyway.

About 29 percent of Mississippi drivers — over 600,000 individuals — are uninsured. That’s 57 percent above the national average and the highest rate in the country. Because Mississippi has so many uninsured drivers, it will probably cost more to add UIM coverage to your policy than it would in other states.4

In Mississippi, UIM insurance is stacked, meaning you can combine your UIM coverage across multiple cars on a policy. If you choose to stack UIM coverage, your selected limits multiply by the number of cars you have. For example, if you choose limits of $50,000 for an accident involving one person and $100,000 for accidents involving two or more people, and you have two cars, your limits will increase to $100,000/$200,000. Additionally, UIM insurance in Mississippi covers hit-and-runs.

DUI Laws

In Mississippi, a DUI stays on your driving record for five years. While Mississippi does not increase penalties for high blood alcohol content (BAC), penalties do increase for each subsequent DUI offense. For example, for second and subsequent offenses, the state requires the use of an ignition interlock device.

Offense number 1 2 3 and up
Fine $250-$1,000 $600-$1,500 $2,000-$5,000
Imprisonment Up to 2 days 5 days to 1 year 1-5 years
License suspension 90 days to 1 year

You may be eligible for driving privileges with an ignition interlock device or by applying for hardship exemption.

2 years

You may be eligible for reinstatement of driving privileges after 1 year by completing a court-approved treatment program.

During the period of license restriction, the vehicle must be impounded or sold; if other licensed drivers depend on the vehicle, an ignition interlock device is required.

5 years

You may be eligible for reinstatement of driving privileges after 3 years by completing a court-approved treatment program.

During the period of license restriction, the vehicle must be impounded or sold; if other licensed drivers depend on the vehicle, an ignition interlock device is required.

Ignition interlock device Not required 6 months minimum upon license reinstatement 6 months minimum upon license reinstatement
Training/education 10 hours minimum of driver’s education program Alcohol/drug abuse assessment and treatment as the court requires Alcohol/drug abuse assessment and treatment as the court requires
Community service Not required 10 days to 1 year 10 days to 1 year
SR-22 Required Required Required5

Seat Belt Laws

Mississippi’s seat belt law is under primary enforcement, which means the police can pull you over just for being unbuckled (as opposed to needing another reason, like speeding). Whether you’re sitting in the front or back seat, you must buckle up. A seat belt ticket is $25 for each unbuckled individual. The state also requires restraint systems, like car seats or boosters, for children under the age of 7.

Distracted Driving Laws

Distracted driving includes texting and driving, eating and drinking while driving, and even changing the music in the car. It endangers yourself and others on the road.

Mississippi does not impose a special cell phone ban on young drivers, but texting and driving is illegal for all drivers. The penalty for texting and driving is a $100 fine. In some cases, a texting-and-driving violation can lead to a reckless driving conviction. And if texting while driving results in the death of another person, the state may charge the driver with vehicular manslaughter.

Distracted driving is under primary enforcement, meaning the police can pull you over solely for texting and driving. Mississippi allows all other handheld cell phone use, except for commercial drivers.

Teen Driver Laws

Mississippi teens can apply for their learner’s permits when they turn 15. They must drive under adult supervision (21 and older) for at least one year before they can apply for an intermediate license. The fee to receive a learner’s permit is $7. To receive an unrestricted license, teens must provide proof of school enrollment, hold a high school diploma or equivalent, or be 18 years old.

The state imposes a curfew for teen drivers, prohibiting them from driving at night unless under adult supervision. The curfew lifts when the teen has held their unrestricted license for six months or when they turn 18, whichever comes first.6

Days Prohibited driving hours for teens without adult supervision during first 6 months of unrestricted licensure
Sunday-Thursday 10 p.m. to 6 a.m.
Friday-Saturday 11:30 p.m. to 6 a.m.

Statute of Limitations for Claims

If you’re involved in an incident, you have three years to file a property damage or personal injury claim. After that, an insurance provider isn’t required to pay for the claim.7

Cancellation and Non-Renewal Notification Laws

Auto insurance companies are not allowed to cancel policies that have been in force for over 60 days, except in the following cases:

  • You failed to pay the premium.
  • You committed fraud or misrepresented yourself on your application.
  • The state revoked or suspended your driver’s license.

In Mississippi, an insurance provider must give you at least 30 days’ notice for a midterm cancellation prior to the effective date. If you failed to pay your premium, however, it only has to give you 10 days’ notice.

Unlike cancellations, non-renewals mean that either you or your provider decided not to renew the policy once it expired. Like with cancellations, insurance companies must give you proper notice and explanation before dropping your policy.

There are several reasons a company might not renew your policy:

  • The company no longer offers that type of insurance.
  • The company doesn’t want to write as many policies in your area.
  • You were arrested for drunk driving.

In Mississippi, if your insurance provider decides not to renew your policy, it must give you at least 30 days’ notice.

Self-Insurance

Like many other states, Mississippi allows individuals to self-insure a fleet of vehicles. To qualify for self-insurance, you must own more than 25 vehicles. The minimum required collateral is at the discretion of the Mississippi Insurance Department.

Car Inspection Requirements

Mississippi does not require annual safety inspections unless you own a vehicle with tinted windows. The purpose of the inspection, in this case, is to ensure enough light can enter the vehicle.

CheckFYI:

In Mississippi, if you own a vehicle with tinted windows, you must visit a window tint compliance station each year for an inspection, or you could face a fine up to $300. The inspection costs $5.

To find a compliance station near you, call 601-487-7070 or check the list below for a complete list:

District number County Compliance station Phone number Address
1 Rankin Lakeland Glass & Tint 601-946-1000 2665 Lakeland Drive

Flowood, MS 39232

1 Madison Solar Control of Jackson 601-707-5596 291 Highway 51, Suite E-4

Ridgeland, MS 39157

2 Leflore Westside Muffler & Tire 662-299-1955 804 Highway 82 E.

Greenwood, MS 38930

2 Washington Tire Town USA 662-332-0267 2116 Highway 82 E.

Greenville MS 38703

3 Panola New Image Window Tinting 662-710-8677 500 Highway 51 S.

Batesville, MS 38606

4 Lee Weathers Auto Supply 662-842-5577 1219 S. Gloster St.

Tupelo, MS 38801

4 Lee Carlock Toyota of Tupelo 662-842-6428 882 Cross Creek Drive

Saltillo, MS 38866

4 Pontotoc Pontotoc Auto Glass 662-489-5893 424 W. Oxford St.

Pontotoc, MS 38863

4 Lee Pro Tint 662-871-0847 2510 S. Green St.

Tupelo, MS 38801

5 Lowndes King Motor Company 662-327-4054 509 Highway 45 N.

Columbus, MS 39701

5 Lowndes Columbus Nissan 662-328-6691 100 Highway 12 E.

Columbus MS 39702

6 Lauderdale Landrum Motors 601-482-7886 1019 Grand Ave.

Meridian MS 39301

8 Jackson Wade Tire & Wheel 228-588-6404 20271 Highway 63

Moss Point, MS 39562

9 Pike Victor’s Tint & Graphics 601-276-6220 1090 Highway 51 N.

McComb, MS 396488

The state does not require emissions tests. Regardless, it’s important to keep up with your regular maintenance.

SR-22s

An SR-22 is a certificate of financial responsibility which verifies that you have motor vehicle liability insurance. In Mississippi, you need an SR-22 after a license suspension or conviction for a serious traffic violation, such as a hit-and-run, reckless driving, or a DUI. Mississippi law requires you to maintain your SR-22 for three years after you regain your driving privileges. Your insurance provider will file the SR-22 for you, usually for a fee of around $20. Expect higher insurance premiums after you have an SR-22.

Defensive Driving

Defensive driving courses teach motorists safe driving strategies with the goal of avoiding hazards. In Mississippi, defensive driving courses are available both in person and online. You can take a defensive driving course to earn forgiveness for a traffic ticket or receive discounted insurance.

Whether you’re eligible for ticket forgiveness is at the court’s discretion. Generally, if you’re under 21 and it’s your first traffic ticket, or you haven’t received a ticket in the last three years, you will be eligible. If you receive permission and you successfully complete the course, which takes a minimum of four hours, the court will dismiss the traffic violation.9

Serious Injury and Monetary Thresholds

Mississippi is a fault state based on tort liability, which means that each party involved in an accident will pay for damages based on their degree of fault. However, if a party doesn’t agree with the payout, they can file a lawsuit seeking uncompensated damages. For example, let’s say you go to court and the jury determines you suffered $10,000 in damages and you were 20 percent responsible for the accident. The court will reduce your damages by $2,000, leaving you with an award of $8,000.

Damages can be economic, like medical expenses and lost wages, and non-economic, like pain, suffering, and anxiety. There is no monetary or serious injury threshold for lawsuits, meaning one party can sue for any losses, no matter how minimal.

Accident Reporting Requirements

In Mississippi, you must report an accident if it involved injury or property damage worth over $500, or if someone died. You have 10 days from the accident to report it. Failure to report the accident during this time frame can result in a license suspension.

Insurance Pricing Discrimination

Unfortunately, like most states, Mississippi allows insurance companies to discriminate based on credit score when determining your insurance premiums. If you have a low credit score, there’s a chance you will pay more for auto insurance. Mississippi also allows for discrimination based on gender, which is why men pay more for auto insurance than women.10

When a Vehicle Is Declared a Total Loss

A damaged vehicle is a total loss if it cannot be safely repaired or if the repairs would cost more than the state’s threshold. Mississippi uses the total loss formula, which deems a vehicle a total loss if its pre-crash actual cash value (ACV) is less than or equal to the cost of repairs plus the salvage value.

Let’s say you get into an accident and your car’s ACV before the crash was $25,000. The cost of repairs is $10,000 and the salvage value of your car after the accident is $16,000. Since the pre-crash ACV ($25,000) is less than the combined cost of repairs and salvage value ($26,000), the vehicle is a total loss.

Contact Information

How to Register Your Vehicle in Mississippi

When you move to Mississippi, you have 30 days to register your vehicle. If you miss the deadline, you’ll have to pay a $250 fine plus late fees. If you buy a vehicle from a private party, you have seven days to register it from your date of purchase.

  1. Gather the required documents and payments.
    • State-issued photo ID
    • Vehicle title or manufacturer’s statement of origin (MSO) if you purchased the vehicle out of state
    • An odometer reading if you purchased the vehicle out of state
    • Vehicle identification number, which is used to calculate taxes
    • Registration fees
      • Passenger vehicles: ​$15
      • ​Motorcycles: ​$8
      • ​Trailers: ​$​10
      • Pickup trucks: ​$7.20
    • Payment for motor vehicle ad valorem tax, which is based on the assessed value of the vehicle
      • The assessed value is 30 percent of the manufacturer’s suggested retail price (MSRP), minus depreciation for vehicles over 10 years old. The minimum assessed value for passenger vehicles is $100. Mississippi accepts credit/debit cards, cash, money orders, personal checks, and bank checks.
  2. Visit your local tax collector’s office. You must visit the office in the county where your vehicle is domiciled or parked overnight. Some counties offer online registration services. Check your county’s website for more information.

Mississippi DMV Contact Information

Department Contact information
Customer support 601-923-7200
Motor vehicle e-services 601-923-7700
NMVTIS help desk 601-923-7698​
​​IRP, prorated, or apportioned registrations 601-923-7142​
Physical address 500 Clinton Center Drive

Clinton, MS 39056

Mailing address P.O. Box 1033

Jackson, MS 39215​

County tax collectors https://www.dor.ms.
gov/sites/default/
files/Contact/
Tax%20Collector%20
Assessor%202016%
20WEBSITE.pdf
Counties offering online registration https://www.
dor.ms.gov/tagstitles
/line-tag-renewal

How to Get a Copy of Your Vehicle Title in Mississippi

  1. Print and fill out Form 78-006, the Application for Replacement Certificate of Title — https://www.dor.ms.gov/ sites/default/ files/Tags%20%26%20Titles
    /78006178.pdf.
  2. Enclose a cashier’s check, personal check, certified check, or another form of certified funds for the proper fee made out to the Mississippi Department of Revenue.
    • Regular fee: $9
    • Expedited fee: $39 (complete Fast Track Form 78-026 for expedited service)
  3. If you want the state to mail the title to anyone other than the vehicle owner, submit a power of attorney, executed by the owner. The person holding power of attorney must sign an application and indicate “P.O.A.” Licensed dealers must use the Secure Power of Attorney Form 78-003 — https://www.dor.ms.gov/sites/default/files/Business/78003218.pdf.
  4. If you own the vehicle with someone else, include both of your signatures on the replacement application.
  5. If there is a lien on the vehicle, the state can mail the replacement title to the lienholder only, unless the lienholder provides a completed lien release. If the lienholder has gone out of business or changed names, or if you’ve paid the loan in full, you still have to obtain a lien release.
  6. Once the DMV issues a replacement title, the original title becomes void. If you find the original title, surrender it to the Mississippi Department of Revenue.
  7. Mail all required documents to this address:
    • Mississippi Department of Revenue
    • Motor Vehicle Services
    • P.O. Box 1383
    • Jackson, MS 39215-1383

How to Contact Mississippi’s Insurance Department

Contact method Mississippi Insurance Department
Mail 1001 Woolfolk State Office Building

501 N. West St.

Jackson, MS 39201

Phone 601-359-3569
Website http://www.mid.state.ms.us

Cost of Car Repairs in Mississippi

In Mississippi, the average cost of car repairs is $396.36, which is about 3 percent higher than the national average. This breaks down to $160.45 for labor and $235.91 for parts.

Crime and Traffic Fatalities in Mississippi

Motor Vehicle Theft

In 2020, Mississippi saw 205 vehicle thefts per 100,000 residents, a rate 20 percent less than the national average. Often, larger cities see higher rates of vehicle theft, which means you may pay a higher premium if you live in any of the following metropolitan statistical areas.

Metropolitan statistical area Number of motor vehicle thefts per 100,000 inhabitants in 2020
Memphis, TN-MS-AR 460
Jackson, MS 332
Gulfport-Biloxi, MS 269
Hattiesburg, MS 262

Fatalities

In 2019, Mississippi had 643 fatalities per 100 million vehicle miles traveled, which is about 10 percent less than the national average.

Conclusion

You’re ready to get behind the wheel in Mississippi. Mississippi borders several other states, so if you’re making frequent trips across the border (or driving across the country!) check out our state driving guide for information on DUIs, tickets, car accidents, and more.

FAQs

Where can I get cheap car insurance in Mississippi?

State Farm and Farm Bureau typically offer cheap car insurance options in Mississippi. USAA also offers cheap insurance, though it is available only to active-duty military personnel, veterans, and their family members. To find cheap car insurance in Mississippi, get quotes from at least three companies, and take advantage of any available discounts and bundles.

What is the car insurance grace period in Mississippi?

The grace period for late payments is seven days for weekly premium policies, 10 days for monthly premium policies, and 31 days for all other policies. After you pay your first premium, Mississippi legally requires insurance providers to give you a grace period for missed payments.

What type of insurance do I need for a paid-off vehicle versus a leased vehicle?

If you have paid off your vehicle, you only need to carry Mississippi’s minimum liability insurance coverage. If you lease or finance your vehicle, the lender may require coverage beyond the state’s minimum. Check with the institution with which you leased or financed the vehicle. Leasing companies often require a full-coverage insurance policy with 100/300/50 minimum limits.

Which car insurance company is the best in Mississippi?

The 2021 J.D. Power Auto Insurance Study named Farm Bureau the best auto insurance company in the Southeast, which includes Mississippi. Alfa, Nationwide, Progressive, and State Farm are also excellent options. These companies score well on coverage, pricing, and resources.

Citations

  1. One in Eight Drivers Uninsured. Insurance Research council. (2021, Mar 22).
    https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdf

  2. 2018/2019 Auto Insurance Database Report. National Association of Insurance Commissioners. (2022).
    https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf

  3. Penalties for Driving without Auto Insurance by State. Consumer Federation of America. (2014).
    https://consumerfed.org/pdfs/140310_penaltiesfordrivingwithoutautoinsurance_cfa.pdf

  4. Uninsured And Underinsured Coverage: Protection From Unprotected Motorists. Allstate. (2020, Oct).
    https://www.allstate.com/tr/car-insurance/uninsured-motorist-coverage.aspx

  5. Senate Bill 2236. Mississippi Legislature. (2019).
    http://billstatus.ls.state.ms.us/documents/2019/html/SB/2200-2299/SB2236IN.htm

  6. Graduated licensing laws by state. Insurance Institute for Highway Safety and Highway Loss Data Institute. (2022, Apr).
    https://www.iihs.org/topics/teenagers/graduated-licensing-laws-table

  7. Car Accidents: Statutes of Limitations. Enjuris. (2022).
    https://www.enjuris.com/car-accident/statutes-of-limitations.html

  8. TINT COMPLIANCE LOCATIONS. Mississippi Department of Public Safety. (2022).
    https://www.driverservicebureau.dps.ms.gov/Tint/Tint_Compliance_Locations

  9. Mississippi Code Title 63. Motor Vehicles & Traffic Regulations § 63-9-11. Criminal liability;  first time violators. FindLaw. (2018, Jan 1).
    https://codes.findlaw.com/ms/title-63-motor-vehicles-traffic-regulations/ms-code-sect-63-9-11.html

  10. What determines the price of an auto insurance policy? Insurance Information Institute. (2022).
    https://www.iii.org/article/what-determines-price-my-auto-insurance-policy