Mississippi Auto Insurance Policy Requirements

Q: What is in a basic Mississippi auto insurance policy?

A: Consumers can add these main options to their Mississippi auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Mississippi. To legally drive in Mississippi, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 25/50/25” (Mississippi’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to two or more people.
      4. $25,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Mississippi auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Mississippi auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Mississippi auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is not required in Mississippi.
  6. Personal Injury Protection (PIP) Coverage is not a required policy under Mississippi state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Mississippi a No-Fault state? 
A: No, Mississippi is not a no-fault insurance state.
Q: How can I get a discount on a Mississippi auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about Mississippi auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of Mississippi:
  1. Mississippi Insurance Resources
    1. The Mississippi Department of Revenue (DOR) manages the issuance of driver’s licenses, vehicle titles, and registration at their Motor Vehicle Licensing page.
    2. The Mississippi Insurance Department (MID) is responsible for licensing insurance.
  2. National Insurance Resources

CLICKinsure agents are happy to provide their top services to residents of Mississippi, the birthplace of blues music. Residents in Jackson, Gulfport, Tupelo, Southaven, Biloxi, Meridian, Hattiesburg, and points in between can find many options in auto insurance plans and reliable insurance information and coverage when they select CLICKinsure as their broker.