What is the minimum car insurance requirement in Mississippi?

Mississippi requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Mississippi an at-fault or no-fault state?

Mississippi is an at-fault state for car insurance claims.

Field report · MS

Car insurance in Mississippi

Mississippi is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorVehicle titling/registration: Mississippi Department of Revenue; driver licenses: Mississippi Department of Public Safety, Bureau of Driver Services

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Mississippi law requires UM coverage matching the 25/50/25 liability limits to be included by default in every auto policy, unless the named insured signs a written rejection - a stronger default-inclusion rule than most states.

Estimated cost

$533 a year for minimum coverage, $2,325 for full coverage2

Average annual premiums in Mississippi for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving without insurance, an at-fault accident while uninsured, or license reinstatement.

Local conditions worth knowing

Mississippi has the highest uninsured-motorist rate in the nation (cited around 28% by the Insurance Research Council), making UM/UIM coverage especially important there; the state also carries Gulf Coast hurricane exposure.

Frequently asked

What is the minimum car insurance requirement in Mississippi?: Mississippi requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Mississippi an at-fault or no-fault state?: Mississippi is an at-fault state for car insurance claims.
Do I need an SR-22 in Mississippi?: Typically required after a DUI, driving without insurance, an at-fault accident while uninsured, or license reinstatement.
Is uninsured motorist coverage required in Mississippi?: Mississippi law requires UM coverage matching the 25/50/25 liability limits to be included by default in every auto policy, unless the named insured signs a written rejection - a stronger default-inclusion rule than most states.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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