What are Mississippi minimum auto insurance requirements?

Mississippi requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

How much is car insurance in Mississippi?

The average Mississippi driver pays $1,750/year ($146/month) for full coverage car insurance. This is about 1% below the national average.

What is the cheapest car insurance in Mississippi?

GEICO, State Farm, and USAA offer the lowest rates in Mississippi. GEICO averages about $1,435/year, approximately 18% below the state average.

Is uninsured motorist coverage required in Mississippi?

Uninsured motorist coverage is not required in Mississippi, but it's highly recommended. About 23% of Mississippi drivers are uninsured, one of the highest rates in the country.

Mississippi Auto Insurance Requirements 2025: Minimums & Cheapest Rates

$1,750

Avg. Annual Cost

1% below national avg

25/50/25

Minimum Required

23%

Uninsured Drivers

2nd highest in US

$146

Avg. Monthly Cost

Mississippi Minimum Insurance Requirements

Required Liability Coverage (25/50/25):

Coverage Type	Minimum Required	Recommended
Bodily Injury (per person)	$25,000	$100,000+
Bodily Injury (per accident)	$50,000	$300,000+
Property Damage	$25,000	$100,000+

⚠️ Important: Mississippi has the 2nd highest rate of uninsured drivers in the US (23%). We strongly recommend adding Uninsured Motorist (UM) coverage to protect yourself.

Cheapest Car Insurance in Mississippi

Company	Avg. Annual Rate	vs State Avg
GEICO	$1,435	-18%
USAA (Military)	$1,312	-25%
State Farm	$1,540	-12%
Progressive	$1,663	-5%
Allstate	$2,100	+20%

Optional Coverage to Consider

Uninsured Motorist (UM): Critical with 23% uninsured rate - covers you if hit by uninsured driver
Collision: Covers damage to your car from accidents regardless of fault
Comprehensive: Covers theft, vandalism, weather damage, animal strikes
Medical Payments: Covers medical bills for you and passengers
Rental Reimbursement: Pays for rental car while yours is being repaired

Mississippi Car Insurance Discounts

Good driver discount (no accidents/tickets): 10-25%
Multi-policy bundle: 10-20%
Multi-car discount: 10-25%
Defensive driving course: 5-10%
Good student discount: 5-15%
Military/veteran: 5-15%

Compare Mississippi Auto Insurance →