Insurance
Car Insurance in Mississippi
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Mississippi has the highest share of uninsured drivers in the country. The Insurance Research Council estimates that 28.2% of Mississippi drivers had no insurance in 2023. That's more than one in four.
That one number shapes almost every choice on a Mississippi policy. Here's what the state requires, what happens if you're caught without coverage, and why uninsured motorist coverage matters more here than almost anywhere.
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What Mississippi requires
Mississippi has required car insurance since January 1, 2001. Since 2006, the minimum has been 25/50/25:
- $25,000 for injury or death of one person
- $50,000 for injury or death of two or more people in one crash
- $25,000 for damage to other people's property
This is liability coverage. It pays for harm you cause to others. It doesn't pay for your own injuries or your own car.
Why uninsured motorist coverage matters most here
Picture a crash where the other driver is at fault. In Mississippi, there's better than a 1 in 4 chance that driver has no insurance at all. Their missing coverage can't pay your hospital bill or fix your car.
Uninsured motorist (UM) coverage pays for your injuries and losses when that happens. It also helps when the at-fault driver has only the minimum and your bills go past it, which is called being underinsured.
Mississippi insurers must include UM on your policy unless you reject it in writing. Before you sign a rejection form to save a little money, think about the odds above.
A quick way to think about it: your liability coverage protects other people from you. UM protects you from everyone else. In the state with the most uninsured drivers, that second part carries a lot of weight.
Proof of insurance in Mississippi
You must carry an insurance card in your car at all times. Since July 1, 2013, Mississippi accepts the card on paper or on your phone.
Police can't pull you over just to check your insurance card. But if you're stopped for something else, or you're in a crash, you'll need to show it.
The penalty for driving without insurance
Driving uninsured in Mississippi is expensive:
- A $1,000 fine
- Your driving privileges suspended for one year, or until you show proof of insurance
A suspension can also make it hard to get to work, and you'll still need insurance to get your privileges back.
If you have questions about a suspension, the Mississippi Insurance Department's Safety Responsibility Division is at 601-987-1255.
What car insurance costs Mississippians
Mississippi isn't among the 10 most expensive states in dollar terms. But compared with what people earn, it's one of the hardest to afford. In 2021, the average Mississippi household spent about 2.15% of its income on car insurance. The U.S. average was 1.50%.
That's why many drivers are tempted to buy only the minimum, or to let coverage lapse. A few ways to keep your price down without dropping protection:
- Compare quotes with the same coverage. Prices for identical coverage can vary a lot between companies.
- Raise your deductible on collision and comprehensive, if you could pay it after a crash.
- Ask about discounts, like multi-car, good student, defensive driving, and safety equipment.
- Add a teen to your policy rather than buying them a separate one. It usually costs less.
- Pay on time. A canceled policy for nonpayment can lead to the $1,000 fine if you keep driving.
Gulf Coast drivers should also ask about comprehensive coverage, which pays for storm and flood damage to your own car. Liability won't.
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