Mississippi Car Insurance

Last Updated on April 2, 2020

Mississippi is well known for the Mississippi river coursing through the state, but the main mode of travel is by car. Whether you’re driving from Jackson to Biloxi or Starkville to Clinton, it’s essential to have Mississippi auto insurance. We’ve developed a simple way to find reliable, affordable insurance. Want to know how?

Simply use our quote comparison tool. We only need a little bit of basic information and within no time, you’ll have a variety of quotes and policies from local providers. Talk about one-stop shopping! Now, you don’t have to spend your free time getting quotes from individual providers. You can speak with individual insurance agents from each provider to understand just how much coverage you need and how it can affect your initial quote. Always tailor your policy for your personal situation because insurance isn’t a one size fits all product. Let us help you find your next Mississippi vehicle insurance policy.

Average Auto Insurance Prices in Mississippi

Mississippi - Dallas

InsurancePanda’s guide to car insurance quotes and requirements in Mississippi

Finding affordable auto insurance doesn’t have to be hard, but you also need to understand how your premiums are determined. There is a very high number of uninsured drivers in Mississippi; nearly 28%! That drives up the cost of insurance for all drivers because if an uninsured driver causes an accident, your insurance must pay for your personal damages. The truth is, your Mississippi auto insurance doesn’t have to be expensive if you just know where to look.

Another factor that really helps bring down your insurance costs is a good driving record. Insurance companies are in the business of risk and they use your driving record to determine just how risky you seem. If your driving record is fraught with multiple tickets and other infractions, as well as insurance lapses, you may be paying a very high premium if you can find insurance at all. Certain offenses will place you into a high-risk pool of insurers and your rates could remain high for years. Want to know what the best bet for low rate car insurance is? Safe driving history and comparison shopping.

  • Current average annual auto insurance premiums in the United States: $1666.62
  • Current average annual auto insurance premiums in Mississippi: $1306.00

Most Expensive Mississippi Insurance Rates

  1. District 2 Red Lick (39096): $1,375
  2. District 3 Fayette (39069): $1,363
  3. District 1 Union Chu (39668): $1,349
  4. District 4 Hermanville (39144): $1,348

Least Expensive Mississippi Insurance Rates

  1. District 1 Adaton (39759): $1,063
  2. District 3 Maben (39762): $1,063
  3. District 4 Blue Spring (38828): $1,076
  4. District 1 Guntown (38824): $1,076

Mississippi Minimum Auto Insurance Requirements

When you’re purchasing car insurance, take the legal minimum requirements as suggestions. Most people will need more coverage than that. For example, many insurance experts recommend at least $300,000 in liability coverage, but for some, that may still not be enough. When trying to determine just how much liability insurance you need, think about how much you stand to lose. If you’re sued for causing an accident, your liability protection is only good up to the amount of coverage you have. The remainder of the settlement must come out of your personal financial assets and while it’s not fair, the more you have, the more likely you are to be sued. In order to protect your personal financial assets, which can include real estate investments and retirement accounts, buy enough liability coverage. If necessary, you may need to purchase umbrella liability coverage, which provides coverage limits into the millions of dollars. You don’t necessarily need to be rich to need more liability coverage. If you’re unsure of how much you need, contact your insurance provider for help.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $25,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $50,000
  • Uninsured Motorist Bodily Injury per person: $10,000
  • Uninsured Motorist Bodily Injury per accident: $20,000
  • Medical Payments: $1,000
  • Collision: $500 deductible
  • Comprehensive: $100 deductible

Penalties for Driving Without Insurance in Mississippi

When registering your vehicle in Mississippi, you don’t have to provide proof of insurance, but if you’re pulled over by a police offer, you must establish your financial responsibility. State law requires that you carry proof of insurance or financial responsibility in your car at all times. Anything from an insurance card to a copy of your insurance policy will suffice. But, if you’re caught without any insurance information, there will be a price to pay.

Residents face serious penalties, ranging up to $1,000 and a yearlong registration suspension. If you show proof of insurance during this year, you’re allowed to register your vehicle. If you get caught additional times without insurance, your fine goes up!

How to Get Auto Insurance in Mississippi

If you’re in the market for a new insurance policy, but don’t know where to look, you’ve come to the right place. Use our quote comparison tool to help you get started. We only require a bit of basic information and within minutes, you’ve got several quotes from local providers. We encourage you to contact each provider to personalize your policy.

Mississippi Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

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