Cheap car insurance in Mississippi for good drivers
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Affordable Mississippi car insurance that puts you first
Root rewards Mississippi drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Mississippi auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Mississippi auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Magnolia State
Mississippi driving follows the river, crosses the Delta, and reaches all the way to the Gulf. Jackson sits near the center, but Tupelo, Hattiesburg, Gulfport, and Biloxi give drivers plenty of reasons to head in every direction.
Through Jackson: I-55 and I-20 meet around the capital, connecting north-south and east-west travel across Mississippi.
Down on the Gulf: I-10 links Gulfport and Biloxi with the rest of the Gulf Coast, while US 49 connects the coast with Hattiesburg and central Mississippi.
Stay road-ready: The Mississippi Department of Transportation provides official highway and transportation information for drivers statewide.
Mississippi car insurance without the blues: Explore Mississippi car insurance from Root, from Jackson to Gulfport and beyond.
Mississippi's minimum auto insurance requirements
To legally operate a vehicle in Mississippi, you must carry Liability insurance and Uninsured/Underinsured Motorist coverage. If you are found driving without these, you may face fines and suspension of your driver’s license.
The minimum coverage amounts required for drivers in Mississippi are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage
$25,000 bodily injury per person
$50,000 bodily injury per accident (multiple people injured)
Types of Mississippi auto insurance we offer
Explore our Mississippi car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance helps when you need support on the road with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Mississippi?
The average Mississippi driver pays $2,397 per year for full coverage car insurance[2].
Root customers looking to purchase Mississippi car insurance could save up to $1,300 a year.
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Mississippi Auto Insurance FAQs
What is the minimum car insurance required in Mississippi?
To legally operate a vehicle in Mississippi, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Mississippi.
Is it legal to drive without insurance in Mississippi?
No, you cannot legally drive without auto insurance in Mississippi. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
How do I lower my car insurance rate in Mississippi?
The easiest ways to save on your Mississippi car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Magnolia State.
Is Mississippi a no-fault car insurance state?
No, Mississippi is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Mississippi?
Mississippi law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Mississippi?
No, Mississippi drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Mississippi to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Mississippi must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Mississippi?
Yes. “Full coverage” commonly refers to an auto insurance policy that combines liability (Bodily Injury and Property Damage), collision, and comprehensive coverage. Root offers all of these coverages in Mississippi.
Who needs SR-22 insurance in Mississippi?
High-risk Mississippi drivers may be ordered by a court or the Mississippi Department of Public Safety to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What happens if I'm partly at fault for an accident in Mississippi?
Mississippi follows a pure comparative negligence rule, so you can recover damages even if you were mostly at fault for an accident. Your compensation is simply reduced by your share of fault. For example, if you're found 20% at fault, you could recover 80% of your damages.
Helpful resources for Mississippi drivers
Mississippi Driver Service Bureau
The Mississippi Driver Service Bureau issues driver's licenses and ID cards, administers driving tests, and maintains driving records.
Mississippi Department of Transportation
MDOT builds and maintains the state's highways and transportation infrastructure.
Mississippi Insurance Department
The Mississippi Insurance Department regulates insurance in the state and explains Mississippi's auto insurance requirements.
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References
Mississippi Insurance Department. Auto Insurance.
Insure.com. Annual average rates were compiled in 2026.