State guide
Car Insurance in Mississippi
Updated August 2026
Mississippi has a standard at-fault system with 25/50/25 minimums — $25,000 of bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage — and a distinctly non-standard problem: more of its drivers skip insurance than anywhere else in the country. The Insurance Research Council put Mississippi's uninsured-driver rate at 28.2% in 2023, the highest in the nation, against a 15.4% national average.
That single statistic shapes how insurance actually works here. Your legally required liability coverage protects the people you might hit; the coverage that protects you from the roughly one-in-four drivers carrying nothing is uninsured motorist coverage — which Mississippi builds into every policy by default but lets you reject in writing. For most drivers, the useful comparison isn't the bare legal minimum; it's what different carriers charge for a policy that keeps the UM layer in.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Uninsured motorist coverage is included in policies unless rejected in writing |
| No-fault state | No |
| SR-22 used | Yes |
Source: Miss. Code Ann. §63-15-3(j); Mississippi Insurance Department
Average annual expenditure for auto insurance in Mississippi was $1,061 in 2022, per the NAIC. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
How Mississippi's at-fault system works
Mississippi follows the traditional tort model: the driver who causes the crash pays for the other side's injuries and property damage through their liability coverage. There's no PIP requirement — your own medical bills after a not-at-fault crash are the responsibility of the at-fault driver's insurer, your health insurance, or optional coverages like medical payments.
The minimums have been 25/50/25 since January 1, 2006. Drivers can alternatively post a bond or deposit with the state, but in practice a liability policy is how nearly everyone complies. The state also runs an electronic insurance verification system, so driving uninsured gets flagged at traffic stops and registration checks, not just after a crash.
Uninsured motorist coverage: the decision that matters most here
Mississippi law requires insurers to include uninsured motorist coverage in every auto policy unless the named insured rejects it in writing. In the state with the country's highest uninsured rate, that rejection form is arguably the most consequential piece of paper in the transaction — declining UM to shave the premium means absorbing the full cost of a crash caused by an uninsured driver yourself.
Carriers price the UM layer differently, and the gap between a bare 25/50/25 quote and one with meaningful UM limits varies more between insurers than most drivers expect. Comparing full-package quotes side by side is how that spread becomes visible.
SR-22s in Mississippi
Mississippi requires SR-22 filings through the Department of Public Safety after DUI and implied-consent suspensions, and after uninsured at-fault accidents above a modest damage threshold. The filing generally must stay in force for three years; if the policy lapses, the insurer notifies the state and the license is suspended again. Since carriers surcharge SR-22 histories at very different rates, drivers who need a filing tend to benefit most from shopping several quotes.
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Frequently asked questions
What car insurance is required in Mississippi?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage (25/50/25), per Miss. Code Ann. §63-15-3(j). PIP is not required — Mississippi is an at-fault state.
How many Mississippi drivers are uninsured?+
An estimated 28.2% in 2023, per the Insurance Research Council — the highest rate in the United States, and well above the 15.4% national average. That's the main reason uninsured motorist coverage matters more in Mississippi than in most states.
Is uninsured motorist coverage required in Mississippi?+
It must be included in every auto liability policy issued in the state unless you reject it in writing. Given the state's uninsured-driver rate, that written rejection is a decision worth making deliberately rather than by default.
Does Mississippi use SR-22s?+
Yes. The Department of Public Safety requires an SR-22 filing, typically for three years, to reinstate a license after DUI-related suspensions and certain uninsured-accident cases. Your insurer files it with the state on your behalf.
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