Mississippi car insurance

The sun setting over the Mississippi River

Common questions about Mississippi
auto insurance

Need car insurance in Mississippi? Whether you live on the Gulfport or Jackson, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Mississippi auto insurance, so you only pay for what you need.

What car insurance is required in Mississippi?

In Mississippi, it's illegal to drive without insurance. Drivers in Mississippi are required to have car insurance coverage for

Bodily Injury to others
Property Damage

Here are the minimum auto insurance limits drivers must have in Mississippi.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Mississippi Insurance Department for more details.

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.

What's the average cost of car insurance in Mississippi?

The average cost of car insurance in Mississippi was $1,607³ in 2021 according to thezebra.com. That's 5% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Mississippi auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Mississippi state highlighted

Who has the cheapest car insurance in Mississippi?

Getting the cheapest car insurance in Mississippi may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴