Mississippi, you no longer have to sing the blues of unfair, outrageously priced insurance rates—Root has arrived! Now, good drivers of good ‘ol Mississippi can save up to 52% on fair, affordable car insurance. (Those old rates can sing the blues now.)
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Magnolia State.
Since Mississippi is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Southaven to Biloxi, Jackson to Gulfport, and all points between (we’re looking at you, Hattiesburg).
To legally operate a vehicle in Mississippi, you must carry liability insurance and uninsured/underinsured motorist protection. If you’re found driving without it, you can face fines up to $1,000 and a one-year suspension of your driver’s licenses.
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 passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
If you choose not to buy liability insurance, you must post a bond for the minimum coverage amounts and make a security deposit equal to the minimum coverage amounts.
Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance or whose car insurance amounts won't adequately cover your costs. Insurance companies in Mississippi are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.
Again, you can always opt for more coverage.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include an electronic version of your ID card, like the one found in the Root app, or an insurance ID card issued by your insurance carrier (Root gives you this, too).
If you are caught driving without the minimum amount of liability coverage, you will face:
If you’re insured with Root, you can avoid that trouble. As long as you have your phone, you have legal proof through the Root app.
The SR-22 form, known as proof of financial responsibility, is not insurance but a certification filed by your auto insurance company stating you’ll maintain the minimum liability insurance for a predetermined amount of time. (Root does this for free.)
You may be legally required to file an SR-22 form in Mississippi from your insurance provider to:
Learn all about Root’s coverage options here:Our Coverages
The average driver in Mississippi pays $1,326 2 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.