Get a quote

Better rates for better drivers in Mississippi

See how much you could save.
Get a quote
Orange sedan drives into smartphone screen showing a cityscape

Fair and affordable car insurance in Mississippi

From Tupelo to Hattiesburg and Jackson to Meridian, good drivers in Mississippi can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds with Root. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.

How it works

Car insurance rates are traditionally based on demographics—things like age, credit score, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price auto insurance.

root icon

Download the app

Visit the App Store or Google Play. Sign up in less than a minute.

Icon-BlackBG-WhiteCar

Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

Icon-BlackBG-WhiteCardPerson

Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements in Mississippi

What are the minimum auto insurance requirements in Mississippi?

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.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in MS:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

You can always select higher limits if you’d like more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.

Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured/Underinsured Motorist coverage in MS:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for higher limits if you want more coverage.

What is SR-22 insurance?

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Mississippi Department of Public Safety. You can easily request an SR-22 in the Root app.

What other coverages does Root offer?

Icon-WhiteBG-collision-coverage

Collision

Icon-WhiteBG-rental-outline

Rental Car coverage

Icon-WhiteBG-protection-medical

Personal Injury Protection

Icon-WhiteBG-medical-bills

Medical Payments

(MedPay)

Icon-WhiteBG-comprehensive-coverage

Comprehensive

(including glass coverage)

Icon-WhiteBG-tow-truck

Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Mississippi?

The average driver in Mississippi pays $1,580 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure unsafe drivers, so Root customers could save $900 a year—all while enjoying fair and simple car insurance.

root icon

Start saving

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

Get a quote

References 

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources 

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsAffiliatesContact

Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.