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Mississippi Car Insurance Resources

Mississippi Car Insurance

Car Insurance Rates in MS

^ From 2006 to 2010, Mississippi cities had the 22nd highest auto insurance rates in the nation. [2]

Car Insurance in MS by City

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Cars Insured in MS

^ Mississippi ranked 33rd of all U.S. states in total auto insurance policies in 2011. [1]

MS Car Insurance

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

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

Mississippi Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in MS
    • The uninsured motorist rate in MS ranked 1st in the nation in 2009. [3]

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. [7]
  • Motorcycle Helmet Laws in MS
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in MS
    • Renewal cycle: 4 or 8 years, at the option of the driver [7]

Mississippi Auto & Driver Facts

Mississippi Automotive Facts

Mississippi Auto & Driver Facts
  • Speed Limits in MS
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in MS
    • Mississippi cities collectively ranked 29th in the nation in total motor fuel consumption in 2011. [9]

Mississippi Licensed Drivers

  • Licensed Drivers in MS [10]
    • Total Drivers: 1,926,603
    • Female: 1,007,017
    • Male: 919,586
    • 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

About Mississippi

Mississippi has a population of approximately 2,967,297, which ranks 31st in the U.S. among all states. [6]

MS Car Insurance

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?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

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

Mississippi Cities