Mississippi Car Insurance Requirements
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Minimum Coverage Car Insurance — Mississippi

It covers damage you cause to others, but nothing on your own vehicle.

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What Is Minimum Coverage Car Insurance Insurance?

Minimum coverage car insurance in Mississippi pays for injuries and property damage you cause to other people in an accident where you're at fault. This coverage satisfies Mississippi's legal requirement to register and drive a vehicle, but it pays nothing toward your own medical bills, your own car repairs, or damage caused by an uninsured driver who hits you.

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Who Needs Minimum Coverage Car Insurance Insurance?

It satisfies Mississippi's legal requirement to register and insure your vehicle at the lowest possible cost.

Compare your vehicle's current value to the annual cost of adding collision and comprehensive coverage. If your car is worth less than three times the annual premium for full coverage, minimum coverage is often the rational choice.

How Much Does Minimum Coverage Car Insurance Insurance Cost?

  • Driving record — a DUI or at-fault accident in the past three years can double your minimum coverage premium.
  • Age and experience — drivers under 25 or over 70 pay higher rates even for minimum coverage due to claims frequency data.
  • Vehicle type — even though minimum coverage doesn't cover your own car, insurers price based on the vehicle you drive because it correlates with claim behavior.

Related Coverage Types

A man in a gray button-up shirt sits in the driver's seat of a vehicle, pulling the seat belt across his chest toward the buckle, with hills visible through the windows.Full Coverage Car Insurance→View from inside a car at night showing a person's two hands on the steering wheel, the illuminated instrument cluster and dashboard, and a blurred road with vehicle tail lights and street lights through the windshield.Personal Injury Protection→A hand holds a key ring with a black remote fob and two keys above a wooden table holding printed documents and a pen, in a kitchen with dark cabinets and a stainless steel refrigerator.Uninsured and Underinsured Motorist Coverage→A black mailbox with a raised red flag and a white envelope in its open door, mounted on a wooden post beside a gravel driveway, with a dark car parked near a house and bare trees in the blurred background.Liability Insurance→
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