Does Mississippi have minimum car insurance requirements?

Yes. If you live and drive in the Magnolia State, you must carry liability coverage limits of at least:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage liability

Although these are the minimum limits required for Mississippians, you may want to increase your auto liability limits to better protect your assets.

Consider comprehensive and collision coverage

If you lease or finance your car, you may be required to carry comprehensive and collision coverage. But most drivers can benefit from the peace of mind of knowing your vehicle is covered in the event of an accident, damage, or theft. Learn more about comprehensive and collision coverage.

With our Name Your Price® Tool, you're in the driver's seat. Tell us how much you want to pay each month, and we'll show you insurance options in that price range.

How much is car insurance in Mississippi?

According to the Insurance Information Institute, Mississippi ranked 22nd for average auto insurance expenditures in 2017. Keep in mind that there are many different factors that can determine the price you pay for auto insurance, such as the limits and coverages you choose, driving history, and ZIP code.

Can I earn discounts for auto insurance with Progressive?

Absolutely. We offer plenty of discounts and incentives for Mississippi drivers, such as:

  • Continuous insurance
  • Three-year safe driving
  • Paperless
  • Electronic Funds Transfer (EFT)
  • Five-year accident-free
  • Homeowner
  • Multi-car
  • Online quote

See all car insurance discounts.

Interesting facts about driving in Mississippi:

  1. In 2015, more than 23% of Mississippi motorists were uninsured. Consider carrying uninsured motorist coverage to protect yourself if the other driver is uninsured.

  2. Texting while driving is banned in the state of Mississippi, like many others. Keep your eyes on the road and your hands on the wheel to reduce your chances of an accident.

  3. Only 78% of Mississippians buckle up when they drive or ride, compared to the national average of 90.1%. Be sure to wear your seatbelt, and make sure your passengers do too, to stay safe on the road.

How to get car insurance in Mississippi


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