Mississippi car insurance

What are Mississippi's minimum auto insurance requirements?

Drivers in Mississippi are required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

While these are Mississippi's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Mississippi a no-fault state?

No. Mississippi is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Mississippi?

The average cost of a six-month liability-only policy in a low-cost state like Mississippi is $80 per month.^* However, 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. Learn more about what determines the cost of car insurance.

What is the best car insurance in Mississippi?

Finding the best car insurance in Mississippi means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Mississippi get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.

If you're looking for the cheapest car insurance in Mississippi, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:

• Allstate customers who switch and save with Progressive save $920 on average^††
• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Mississippi?

To lower your car insurance cost in Mississippi, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Mississippi's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Mississippi driving resources

From Southaven to Biloxi, get to know Mississippi's driving laws and resources. These resources apply to Hattiesburg, Olive Branch, and everywhere in between. Local municipalities may have additional laws and resources.

• Mississippi Department of Public Safety: Find out how to get or renew your Mississippi license and registration.
• Mississippi traffic safety rules: Review Mississippi's traffic and safety regulations.
• Mississippi driver FAQs: Get answers to your questions about driver's license renewal costs, changing your name, getting a copy of your motor vehicle report, and other Mississippi driver resources.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.