Minimum Car Insurance in Mississippi
The liability limits Mississippi requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Mississippi requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Mississippi Insurance Department, Auto Insurance
| Minimum coverage required | Mississippi requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Instead of an insurance policy, a driver can meet the requirement by posting a bond for the same amounts or making a cash or security deposit equal to the minimum requirements. |
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| At-fault or no-fault | Mississippi uses a fault-based system: the at-fault driver's liability coverage pays for damage the driver causes to other people and their property, up to the policy limits, and the driver is responsible for damages above those limits. Coverage for your own medical bills and vehicle repairs requires purchasing other coverages. |
More Mississippi car insurance & vehicle laws
- Driving Without Insurance in Mississippi
- SR-22 Insurance in Mississippi
- When a Car Is a Total Loss in Mississippi
- Transferring a Car Title in Mississippi
- All Mississippi car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Mississippi?
Mississippi requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Instead of an insurance policy, a driver can meet the requirement by posting a bond for the same amounts or making a cash or security deposit equal to the minimum requirements.
Is Mississippi a no-fault car insurance state?
Mississippi uses a fault-based system: the at-fault driver's liability coverage pays for damage the driver causes to other people and their property, up to the policy limits, and the driver is responsible for damages above those limits. Coverage for your own medical bills and vehicle repairs requires purchasing other coverages.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.