Like most states, Mississippi requires all drivers to carry a minimum amount of car insurance to protect themselves and others on the road. Driving without insurance could lead to penalties like fines, license suspension, and filing an SR-22 certificate. Mississippi mandates that all drivers carry the following coverages at a minimum:
| Coverage Type | Mississippi Minimum Limit |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
In addition to obtaining car insurance, Mississippi requires drivers to register their vehicles with the state within 30 days of purchase or establishing residency. To register, you’ll need:
For more information regarding vehicle registration, visit the Mississippi Department of Revenue website.
The cost of Mississippi car insurance varies depending on several factors. Insurers look at your driving history, the type of vehicle you own, how often and how far you drive, and where you live. Your insurance history and credit-based insurance score can also impact your rates. At GEICO, we make it easy to personalize your coverage so it fits your needs and budget.
Getting the right car insurance isn’t just about meeting Mississippi’s legal requirements—it’s about making sure you’re properly protected on the road. GEICO makes it simple to choose the coverage that fits your lifestyle. To find the right Mississippi car insurance:
Graduated licensing introduces beginners to the driving experience in a low-risk manner, protecting both new drivers and others. GDL includes limits on late-night unsupervised driving and the number of teenage passengers in the car—factors that are known to contribute to high teen accident rates. The IIHS has resources for GDL laws in Mississippi and our teen driving section also offers a more comprehensive explanation.
When you become a GEICO policyholder, you could be eligible for a discount by passing an authorized defensive driver program in Mississippi.
You can start your Mississippi car insurance rate quote and then manage your policy online. From paying your bill, to making changes to cars or drivers on your policy, to reporting a claim—it's all at your fingertips. GEICO is available 24 hours a day, 365 days a year.