Mississippi car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Mississippi?

Yes , Mississippi requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Mississippi car insurance laws

Mississippi requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Mississippi drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Mississippi car insurance requirements

Mississippi requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Mississippi liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $463. However, Progressive has the lowest minimum car insurance rates, averaging $346.

The table below shows the top insurers' average rates for minimum coverage in Mississippi.

Company	Average annual premium	Average monthly premium
Progressive	$346	$29
State Farm	$355	$30
Southern Farm Bureau	$383	$32
Geico	$388	$32
Nationwide	$429	$36
Travelers	$457	$38
Safeway Insurance	$492	$41
Allstate	$691	$58
Shelter Insurance	$821	$68
USAA	$283	$24

Read our methodology

Mississippi car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $463. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Mississippi.

The cheapest company for minimum coverage in Mississippi is Progressive at an average rate of $346 annually.

State minimum coverage limit	25/50/25
Average annual premium	$463
Average monthly premium	$39

Read our methodology

Are the Mississippi minimum coverage requirements changing in 2025?

Mississippi car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Mississippi?

Mississippi requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Mississippi drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Mississippi minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Mississippi?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Mississippi penalties for driving without car insurance

Since Mississippi requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Mississippi car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$1,000
Other penalties	License suspension
Jail time	No

Read our methodology

Mississippi minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Southern Farm Bureau has the best rates for teens with minimum coverage averaging $1,109. Progressive offers the cheapest coverage for adults at $344.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $463, and the average rate for a 40-year-old male is $464, a difference of $1.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Southern Farm Bureau	$1,339	$112
16	State Farm	$1,644	$137
16	Nationwide	$1,696	$141
16	Geico	$1,960	$163
16	Progressive	$2,227	$186
16	Travelers	$2,455	$205
16	Shelter Insurance	$3,108	$259
16	Safeway Insurance	$3,571	$298
16	Allstate	$3,600	$300
17	Southern Farm Bureau	$1,152	$96
17	State Farm	$1,421	$118
17	Nationwide	$1,563	$130
17	Travelers	$1,783	$149
17	Geico	$1,863	$155
17	Progressive	$2,687	$224
17	Shelter Insurance	$2,856	$238
17	Allstate	$3,123	$260
17	Safeway Insurance	NA	NA
18	Southern Farm Bureau	$1,012	$84
18	State Farm	$1,212	$101
18	Nationwide	$1,362	$114
18	Travelers	$1,395	$116
18	Geico	$1,498	$125
18	Safeway Insurance	$1,860	$155
18	Allstate	$2,143	$179
18	Progressive	$2,272	$189
18	Shelter Insurance	$2,604	$217
19	Southern Farm Bureau	$896	$75
19	State Farm	$1,033	$86
19	Travelers	$1,089	$91
19	Progressive	$1,123	$94
19	Geico	$1,190	$99
19	Nationwide	$1,196	$100
19	Allstate	$1,264	$105
19	Safeway Insurance	$1,332	$111
19	Shelter Insurance	$2,352	$196
20	Southern Farm Bureau	$804	$67
20	State Farm	$883	$74
20	Travelers	$908	$76
20	Progressive	$956	$80
20	Geico	$1,008	$84
20	Nationwide	$1,035	$86
20	Safeway Insurance	$1,052	$88
20	Allstate	$1,149	$96
20	Shelter Insurance	$2,100	$175
21	Progressive	$646	$54
21	Nationwide	$665	$55
21	Southern Farm Bureau	$729	$61
21	State Farm	$740	$62
21	Travelers	$756	$63
21	Geico	$827	$69
21	Allstate	$933	$78
21	Safeway Insurance	$1,039	$87
21	Shelter Insurance	$1,834	$153
22	Progressive	$570	$48
22	Nationwide	$598	$50
22	State Farm	$657	$55
22	Southern Farm Bureau	$668	$56
22	Travelers	$683	$57
22	Geico	$778	$65
22	Allstate	$856	$71
22	Safeway Insurance	$969	$81
22	Shelter Insurance	$1,596	$133
23	Progressive	$513	$43
23	Nationwide	$565	$47
23	State Farm	$567	$47
23	Southern Farm Bureau	$616	$51
23	Travelers	$621	$52
23	Geico	$658	$55
23	Allstate	$808	$67
23	Safeway Insurance	$906	$76
23	Shelter Insurance	$1,484	$124
24	Progressive	$469	$39
24	State Farm	$492	$41
24	Nationwide	$540	$45
24	Southern Farm Bureau	$572	$48
24	Travelers	$584	$49
24	Geico	$621	$52
24	Allstate	$758	$63
24	Safeway Insurance	$825	$69
24	Shelter Insurance	$1,363	$114
25	Progressive	$422	$35
25	State Farm	$433	$36
25	Geico	$480	$40
25	Nationwide	$515	$43
25	Travelers	$517	$43
25	Southern Farm Bureau	$534	$45
25	Allstate	$686	$57
25	Safeway Insurance	$731	$61
25	Shelter Insurance	$1,220	$102
30	State Farm	$352	$29
30	Progressive	$381	$32
30	Geico	$393	$33
30	Southern Farm Bureau	$430	$36
30	Nationwide	$455	$38
30	Travelers	$506	$42
30	Safeway Insurance	$595	$50
30	Allstate	$677	$56
30	Shelter Insurance	$974	$81
35	State Farm	$349	$29
35	Progressive	$354	$30
35	Geico	$384	$32
35	Southern Farm Bureau	$397	$33
35	Nationwide	$437	$36
35	Travelers	$505	$42
35	Safeway Insurance	$527	$44
35	Allstate	$677	$56
35	Shelter Insurance	$821	$68
40	Progressive	$342	$29
40	State Farm	$355	$30
40	Geico	$384	$32
40	Southern Farm Bureau	$393	$33
40	Nationwide	$429	$36
40	Travelers	$466	$39
40	Safeway Insurance	$503	$42
40	Allstate	$677	$56
40	Shelter Insurance	$821	$68
45	Progressive	$337	$28
45	State Farm	$358	$30
45	Geico	$384	$32
45	Southern Farm Bureau	$396	$33
45	Nationwide	$424	$35
45	Safeway Insurance	$434	$36
45	Travelers	$466	$39
45	Allstate	$677	$56
45	Shelter Insurance	$821	$68
50	Progressive	$313	$26
50	Geico	$333	$28
50	State Farm	$352	$29
50	Southern Farm Bureau	$393	$33
50	Nationwide	$420	$35
50	Travelers	$466	$39
50	Safeway Insurance	$472	$39
50	Allstate	$687	$57
50	Shelter Insurance	$715	$60
55	Progressive	$299	$25
55	Geico	$333	$28
55	State Farm	$343	$29
55	Southern Farm Bureau	$381	$32
55	Nationwide	$417	$35
55	Travelers	$440	$37
55	Safeway Insurance	$567	$47
55	Allstate	$687	$57
55	Shelter Insurance	$715	$60
60	Progressive	$301	$25
60	State Farm	$334	$28
60	Geico	$344	$29
60	Southern Farm Bureau	$364	$30
60	Nationwide	$420	$35
60	Travelers	$447	$37
60	Safeway Insurance	$567	$47
60	Allstate	$699	$58
60	Shelter Insurance	$715	$60
65	Progressive	$314	$26
65	State Farm	$334	$28
65	Southern Farm Bureau	$351	$29
65	Geico	$396	$33
65	Nationwide	$427	$36
65	Travelers	$486	$41
65	Safeway Insurance	$576	$48
65	Shelter Insurance	$715	$60
65	Allstate	$737	$61
70	State Farm	$355	$30
70	Southern Farm Bureau	$360	$30
70	Progressive	$367	$31
70	Nationwide	$446	$37
70	Geico	$492	$41
70	Travelers	$521	$43
70	Safeway Insurance	$579	$48
70	Allstate	$737	$61
70	Shelter Insurance	$756	$63
75	State Farm	$397	$33
75	Southern Farm Bureau	$420	$35
75	Nationwide	$480	$40
75	Progressive	$480	$40
75	Travelers	$586	$49
75	Safeway Insurance	$630	$53
75	Geico	$732	$61
75	Shelter Insurance	$789	$66
75	Allstate	$820	$68
16	USAA	$1,775	$148
17	USAA	$1,073	$89
18	USAA	$833	$69
19	USAA	$684	$57
20	USAA	$626	$52
21	USAA	$462	$39
22	USAA	$434	$36
23	USAA	$405	$34
24	USAA	$390	$33
25	USAA	$371	$31
30	USAA	$303	$25
35	USAA	$293	$24
40	USAA	$283	$24
45	USAA	$273	$23
50	USAA	$266	$22
55	USAA	$264	$22
60	USAA	$264	$22
65	USAA	$286	$24
70	USAA	$343	$29
75	USAA	$407	$34

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Southern Farm Bureau	$1,367	$114
16	State Farm	$1,289	$107
16	Nationwide	$1,508	$126
16	Geico	$1,994	$166
16	Progressive	$2,050	$171
16	Travelers	$1,836	$153
16	Shelter Insurance	$2,287	$191
16	Safeway Insurance	$2,954	$246
16	Allstate	$4,101	$342
17	Southern Farm Bureau	$1,171	$98
17	State Farm	$1,110	$93
17	Nationwide	$1,395	$116
17	Travelers	$1,368	$114
17	Geico	$1,895	$158
17	Progressive	$2,473	$206
17	Shelter Insurance	$2,147	$179
17	Allstate	$2,885	$240
17	Safeway Insurance	$2,607	$217
18	Southern Farm Bureau	$1,027	$86
18	State Farm	$958	$80
18	Nationwide	$1,220	$102
18	Travelers	$1,092	$91
18	Geico	$1,529	$127
18	Safeway Insurance	$1,450	$121
18	Allstate	$1,984	$165
18	Progressive	$2,078	$173
18	Shelter Insurance	$2,007	$167
19	Southern Farm Bureau	$905	$75
19	State Farm	$827	$69
19	Travelers	$876	$73
19	Progressive	$1,002	$84
19	Geico	$1,224	$102
19	Nationwide	$1,090	$91
19	Allstate	$1,244	$104
19	Safeway Insurance	$1,283	$107
19	Shelter Insurance	$1,867	$156
20	Southern Farm Bureau	$810	$68
20	State Farm	$722	$60
20	Travelers	$753	$63
20	Progressive	$854	$71
20	Geico	$1,046	$87
20	Nationwide	$960	$80
20	Safeway Insurance	$978	$82
20	Allstate	$1,021	$85
20	Shelter Insurance	$1,726	$144
21	Progressive	$580	$48
21	Nationwide	$634	$53
21	Southern Farm Bureau	$733	$61
21	State Farm	$618	$52
21	Travelers	$650	$54
21	Geico	$829	$69
21	Allstate	$894	$75
21	Safeway Insurance	$966	$81
21	Shelter Insurance	$1,587	$132
22	Progressive	$531	$44
22	Nationwide	$574	$48
22	State Farm	$561	$47
22	Southern Farm Bureau	$671	$56
22	Travelers	$603	$50
22	Geico	$778	$65
22	Allstate	$889	$74
22	Safeway Insurance	$777	$65
22	Shelter Insurance	$1,447	$121
23	Progressive	$491	$41
23	Nationwide	$547	$46
23	State Farm	$489	$41
23	Southern Farm Bureau	$616	$51
23	Travelers	$577	$48
23	Geico	$625	$52
23	Allstate	$812	$68
23	Safeway Insurance	$738	$62
23	Shelter Insurance	$1,372	$114
24	Progressive	$457	$38
24	State Farm	$442	$37
24	Nationwide	$525	$44
24	Southern Farm Bureau	$570	$48
24	Travelers	$566	$47
24	Geico	$578	$48
24	Allstate	$763	$64
24	Safeway Insurance	$764	$64
24	Shelter Insurance	$1,269	$106
25	Progressive	$407	$34
25	State Farm	$397	$33
25	Geico	$541	$45
25	Nationwide	$506	$42
25	Travelers	$500	$42
25	Southern Farm Bureau	$531	$44
25	Allstate	$705	$59
25	Safeway Insurance	$680	$57
25	Shelter Insurance	$1,193	$99
30	State Farm	$352	$29
30	Progressive	$382	$32
30	Geico	$410	$34
30	Southern Farm Bureau	$420	$35
30	Nationwide	$455	$38
30	Travelers	$488	$41
30	Safeway Insurance	$523	$44
30	Allstate	$705	$59
30	Shelter Insurance	$1,008	$84
35	State Farm	$349	$29
35	Progressive	$375	$31
35	Geico	$397	$33
35	Southern Farm Bureau	$382	$32
35	Nationwide	$439	$37
35	Travelers	$484	$40
35	Safeway Insurance	$478	$40
35	Allstate	$705	$59
35	Shelter Insurance	$821	$68
40	Progressive	$349	$29
40	State Farm	$355	$30
40	Geico	$392	$33
40	Southern Farm Bureau	$372	$31
40	Nationwide	$429	$36
40	Travelers	$447	$37
40	Safeway Insurance	$484	$40
40	Allstate	$705	$59
40	Shelter Insurance	$821	$68
45	Progressive	$344	$29
45	State Farm	$358	$30
45	Geico	$388	$32
45	Southern Farm Bureau	$368	$31
45	Nationwide	$422	$35
45	Safeway Insurance	$483	$40
45	Travelers	$447	$37
45	Allstate	$705	$59
45	Shelter Insurance	$821	$68
50	Progressive	$312	$26
50	Geico	$310	$26
50	State Farm	$352	$29
50	Southern Farm Bureau	$359	$30
50	Nationwide	$415	$35
50	Travelers	$447	$37
50	Safeway Insurance	$451	$38
50	Allstate	$677	$56
50	Shelter Insurance	$715	$60
55	Progressive	$290	$24
55	Geico	$310	$26
55	State Farm	$343	$29
55	Southern Farm Bureau	$343	$29
55	Nationwide	$410	$34
55	Travelers	$424	$35
55	Safeway Insurance	$461	$38
55	Allstate	$677	$56
55	Shelter Insurance	$715	$60
60	Progressive	$293	$24
60	State Farm	$334	$28
60	Geico	$331	$28
60	Southern Farm Bureau	$322	$27
60	Nationwide	$408	$34
60	Travelers	$429	$36
60	Safeway Insurance	$460	$38
60	Allstate	$689	$57
60	Shelter Insurance	$715	$60
65	Progressive	$304	$25
65	State Farm	$334	$28
65	Southern Farm Bureau	$306	$26
65	Geico	$383	$32
65	Nationwide	$413	$34
65	Travelers	$466	$39
65	Safeway Insurance	$476	$40
65	Shelter Insurance	$715	$60
65	Allstate	$726	$61
70	State Farm	$355	$30
70	Southern Farm Bureau	$308	$26
70	Progressive	$328	$27
70	Nationwide	$422	$35
70	Geico	$480	$40
70	Travelers	$491	$41
70	Safeway Insurance	$477	$40
70	Allstate	$726	$61
70	Shelter Insurance	$756	$63
75	State Farm	$397	$33
75	Southern Farm Bureau	$352	$29
75	Nationwide	$446	$37
75	Progressive	$380	$32
75	Travelers	$536	$45
75	Safeway Insurance	$540	$45
75	Geico	$709	$59
75	Shelter Insurance	$789	$66
75	Allstate	$806	$67
16	USAA	$1,620	$135
17	USAA	$971	$81
18	USAA	$737	$61
19	USAA	$578	$48
20	USAA	$541	$45
21	USAA	$405	$34
22	USAA	$376	$31
23	USAA	$361	$30
24	USAA	$347	$29
25	USAA	$341	$28
30	USAA	$302	$25
35	USAA	$293	$24
40	USAA	$283	$24
45	USAA	$273	$23
50	USAA	$266	$22
55	USAA	$264	$22
60	USAA	$264	$22
65	USAA	$282	$24
70	USAA	$328	$27
75	USAA	$379	$32

Read our methodology

Mississippi minimum coverage cost by city

Tupelo drivers pay the least for minimum coverage in Mississippi at $433. However, Gulfport pay the most at $555.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Mississippi.

City	Average annual premium	Average monthly premium
Tupelo	$433	$36
Meridian	$461	$38
Greenville	$484	$40
Hattiesburg	$495	$41
Madison	$530	$44
Olive Branch	$540	$45
Southaven	$540	$45
Biloxi	$542	$45
Jackson	$548	$46
Gulfport	$555	$46

Read our methodology

Optional car insurance coverage in Mississippi

Mississippi requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Mississippi car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Mississippi?

Yes, Mississippi requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Mississippi?

If you're caught driving without car insurance in Mississippi, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.