Get a Mississippi car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Mississippi
Mississippi auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMississippi minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Mississippi. To drive legally, you need to have at least the following coverage amounts and minimums in Mississippi.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Learn more about state insurance requirements at the Mississippi Insurance Department.
Average car insurance cost in Mississippi, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Mississippi is about $1,596 per year.
Mississippi drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Mississippi?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Mississippi you're only required to have the state minimum coverage.
However, "full car insurance" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap car insurance in Mississippi?
Finding the cheapest car insurance in Mississippi may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Mississippi car insurance FAQs
- Getting car insurance in Mississippi starts with gathering basic information about each driver and vehicle, including driving history, annual mileage, and where the vehicle is kept. You can then compare insurers and choose coverage that meets Mississippi's minimum financial responsibility requirements. The Mississippi Insurance Department provides current information about state requirements and consumer protections.
After meeting the state minimums, you can consider additional protection for your own vehicle and passengers. Comprehensive coverage and Collision coverage may help with covered vehicle damage, while Uninsured/Underinsured Motorist coverage may help when the at-fault driver has little or no insurance. Once you have selected your coverage, you can get a personalized Liberty Mutual auto insurance quote and compare options based on your needs and budget.
- There are several ways Mississippi drivers may be able to lower their car insurance premium. Bundling auto and home insurance may qualify you for a savings, and you may also be eligible for savings by insuring multiple vehicles, going paperless, or maintaining a clean driving record.
Choosing a higher deductible may also reduce your premium if you are comfortable paying more out of pocket after a covered claim. Reviewing your coverage as your vehicle ages and enrolling in RightTrack® may provide additional opportunities to save.
Because Mississippi often ranks #1 for the nation's highest rate of uninsured drivers, consider Uninsured/Underinsured Motorist coverage before reducing or rejecting it solely to lower your premium.
- Mississippi requires drivers to meet the state's minimum liability requirements, but some drivers choose additional coverage for broader financial protection. Uninsured/Underinsured Motorist coverage may be worth considering because it can help after a covered accident with a driver who has little or no insurance.
Comprehensive coverage and Collision coverage can help protect your own vehicle. Comprehensive coverage may apply to covered losses such as theft, storm damage, and animal strikes, while Collision coverage may help pay for covered damage from a crash. A lender or leasing company will typically require both for a financed or leased vehicle.
Medical Payments coverage may also help with covered medical expenses for you and your passengers, regardless of fault. The right combination depends on your vehicle, budget, driving habits, and comfort with financial risk.