Cheap Car Insurance in Mississippi
Whether you live along the Gulf Coast in Biloxi or up north in Oxford or Tupelo, there’s plenty to love about Mississippi. From beaches and rich history to delicious dining options, the “Birthplace of Blues Music” has it all. But no matter your next adventure, affordable auto insurance coverage can help keep you safe on the road.
EagleWay Auto Insurance is proud to offer cheap car insurance in Mississippi, the “Magnolia State.” In this guide, we’ll explain which coverages are mandatory, which ones are optional, and how we can help you find affordable Mississippi car insurance. Get a free quote to see how much you can save!
Mississippi Car Insurance Laws
Do you have to have car insurance in Mississippi?
Mississippi law requires all drivers to provide proof of financial responsibility. All Mississippi auto insurance policies must at least meet the minimum liability coverage limits. For example, liability limits in Mississippi are 25/50/25.
Mississippi Minimum Car Insurance Requirements
Here’s a quick breakdown by coverage type:
| Coverage | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) | Not required. |
| Medical Payments Coverage (Med Pay) | Not required. |
| Collision Coverage | Not required.1 |
| Comprehensive Coverage | Not required.1 |
IMPORTANT NOTE: While liability coverage meets Mississippi’s legal requirements, it doesn’t protect you in every circumstance. Consider adding UM/UIM, comprehensive, and collision coverage for full protection.
1Your lender may require these coverages if you lease or finance your vehicle.
Additional Coverage Options
For extra peace of mind, Mississippi drivers may have access to add-on services and other insurance products:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Mississippi Proof of Financial Responsibility and Penalties
Driving without insurance in Mississippi can be costly. You could face:
- $500 fine and a one-year license suspension.
- Smaller fines and temporary license suspension if you simply forget your insurance card.
Always maintain state minimum coverage and carry proof of insurance.
Penalties for Driving with a Suspended License in Mississippi
Operating a vehicle with a suspended license is a misdemeanor, with fines up to $500 and up to six months in jail. Additional six-month license suspension may also apply.
SR-22 Insurance in Mississippi
High-risk drivers may be required to keep an SR-22 certificate on file. This may be necessary if you:
- Did not maintain proper liability coverage
- Were convicted of a DUI/DWI
- Committed other serious driving violations
If you have questions about SR-22 filings, Contact Us. EagleWay Auto Insurance specializes in helping drivers find affordable coverage regardless of driving history.
High-Risk Auto Insurance in Mississippi
Drivers with violations or serious offenses are often considered high-risk. While some insurers avoid these drivers, EagleWay Auto Insurance provides non-standard insurance to ensure financial protection and affordable coverage.
Where Can I Find the Cheapest Car Insurance Rates in Mississippi?
Car insurance costs vary depending on:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much, where, and how you drive
- Your demographics
- Your driving record
- Your credit history