Mississippi car insurance requirements
Every driver in Mississippi must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Mississippi drivers should know
- Mississippi requires at least 25/50/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Mississippi has one of the highest rates of uninsured drivers in the country, so uninsured motorist coverage is worth a close look.
Home insurance in Mississippi
- Hurricanes and tropical storms are the biggest risk; many policies carry a separate named-storm or wind deductible, often a percentage of the home’s value.
- Flood damage — including storm surge — is never covered by home insurance. Buy a separate flood policy, especially near the coast or in low-lying areas.
- Tornadoes also affect much of the state, particularly in spring.
Ways to save in Mississippi
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.