Car Insurance in Mississippi
Car Insurance Liability Requirements in Mississippi
Minimum Liability Limits in MS: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Mississippi
Auto Insurance Coverage Requirements in MS [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Mississippi
Insurer Verification of Auto Insurance in MS [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Mississippi Car Insurance Facts, Estimates & Related Laws
Mississippi Car Insurance Facts
Average Car Insurance Rates in MS
Mississippi had the 22nd highest auto insurance rates in the nation in 2010.
[ 2] Rates in MS ranked 23rd in the nation in 2009.
[ 2] In 2008, MS had the 22nd highest rates in the country.
Number of Auto Insurance Policies in MS
Mississippi ranked 33rd in the nation in auto insurance policies in 2011 with a total of 1,833,956.
Uninsured Motorist Rate in MS
The uninsured motorist rate in MS ranked 1st in the nation in 2009.
Mississippi Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for learner's permit and intermediate license holders and school bus drivers. [ 7]
Young drivers cell phone ban? No
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Mississippi Automotive Laws
Safety Belt Laws in MS
Safety belt laws have been in place since 1994 and apply to drivers/passengers 7+ years in front seat.
[ 7] Child restraint law in place for 3 years and younger must be in a child restraint; 4 - 6 years and either less than 57 inches or less than 65 pounds must be in a booster seat.
Motorcycle Helmet Laws in MS
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in MS
Renewal cycle: 4 or 8 years, at the option of the driver
Mississippi Auto & Driver Facts
Mississippi Automotive Facts
Speed Limits in MS
Rural interstates: 70 mph
[ 7] Urban interstates: 70 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in MS
Mississippi cities collectively ranked 29th in the nation in total motor fuel consumption in 2011.
Mississippi Licensed Drivers
Licensed Drivers in MS [ 10]
Total Drivers: 1,926,603
MS has the 33rd most drivers in the U.S.
Minimum Driving Age in MS [ 5]
Mississippi has a minimum driving age of 15 years.
Mississippi Auto Registrations
Auto Registrations in MS [ 8]
Registered Cars: 1,050,978
Registered Trucks: 948,456
Registered Motorcycles: 28,078
Total Registrations: 2,036,524
Rank: Mississippi ranked 34th in the United States in total auto registrations in 2011.
Additional information about Mississippi
Mississippi has a population of approximately 2,967,297, which ranks 31st in the U.S. among all states.
More about Mississippi auto insurance
For more information about auto insurance in MS, or for additional resources regarding
Mississippi car insurance, visit the Mississippi Department of Insurance.
Did you know?
Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration