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 at-fault state for car insurance claims.

Field report · MS

Car insurance in Mississippi

Mississippi is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristRequired

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

Illustrative estimate: roughly $500-$755/year for minimum coverage; cheapest carriers advertise closer to $365/year.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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