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Car Insurance in Mississippi (Updated May 2024)

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Mississippi Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Mississippi however, drivers are paying 32% less for car insurance than the national average, with Full Coverage costing Mississippi drivers an average of $128 per month

Similar to other states, the rates in Mississippi can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Mississippi. Read on to learn more about properly insuring your car in Mississippi. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Mississippi Car Insurance Laws

Car insurance is required to drive in Mississippi. The state require's drivers to have liability insurance coverage with the most common minimum coverage amount seen in the US. 

Mississippi’s car insurance minimums are:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage

Proof of Insurance

“ Mississippi has no grace period for obtaining car insurance. ” 


Mississippi enforces strict penalties for driving without insurance. If caught, you could face a fine of up to $1,000, suspension of driving privileges for up to a year, and the possibility of being convicted of a misdemeanor. These penalties highlight the importance of maintaining the required insurance coverage​​.

Mississippi has no grace period for obtaining car insurance, so it's important to contact an insurance provider before driving a new vehicle in the state.

Additional Coverage in Mississippi

Given the state's high rate of uninsured motorists, many experts recommend purchasing additional coverage beyond the minimum requirements to protect against potential accidents involving uninsured or underinsured drivers.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Mississippi?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Mississippi?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Mississippi?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.