Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
No, if you are a new resident to Mississippi, you must have Mississippicar insurance. The minimum coverage in MS is as follows:

  • $25,000 for property damage
  • $25,000 per person for bodily injury
  • $50,000 per more than one person for bodily injury

If you are involved in a car accident that you have caused, you must also show proof of your ability to pay for any damages within 60 days. Property damage that exceeds $1,000 must be reported.

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Do I need to cancel my insurance if I am moving to another state?
You are required to apply for car insurancein the state where you reside. If you are moving outside of Mississippi, you need to contact the Department of Motor Vehicles in your new location to find out about their insurance requirements. Although you will be required to get the minimum coverage, you want to also consider getting other types of insurance for full coverage.

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How can I avoid a license suspension if I choose not to insure my vehicle?
Car insurance is mandatory in the state of Mississippi for drivers. If you do not get the minimum insurance coverage, your MS drivers licensewill face serious consequences. There is no other option available to Mississippi vehicle drivers. Some states do allow vehicle owners to pay a one-time fee which allows to now have a typical car insurance policy, yet in Mississippi, it is a requirement for all.

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If I have been in an accident, what property damage do I have to report?
Due to the state s Safety Responsibility Act, drivers must take financial responsibility for accidents they are involved in and have caused. By Mississippi law, you are required to report any property damage that results in $1,000 or more. You are required to file this report within 30 days of the accident. If you fail to do this, you face severe penalties and consequences on your MS drivers license.

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If I live outside of the state for half the year, am I still required to have car insurance?
If you reside in Mississippi for six months or more and have your vehicle registered in the state, then yes, you are required to get insurance for car.

The current coverage amounts are as follows:

  • $25,000 for property damage
  • $25,000 per person for bodily injury
  • $50,000 per more than one person for bodily injury

For more information: Mississippi Auto Insurance – Get a Quote and Save

If I own multiple vehicles, am I required to have them all insured?
Mississippi drivers must have liability insurance, which covers the other driver and/or vehicle when an accident is your fault. Therefore, if you own multiple vehicles, all of them must have at least the minimum liability coverage required by the state. Many MS insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. However, keep in mind that rates and discounts offered by insurance companies vary, so make sure to check with your car insurance provider first.

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What is the minimum liability insurance coverage?
When obtaining Mississippi car insurance, you are required to maintain the minimum coverage listed below:

  • $25,000 for property damage
  • $25,000 per person for bodily injury
  • $50,000 per more than one person for bodily injury

Failure to maintain these types of coverage will result in the suspension of your MS drivers license.

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What proof of insurance can I provide when registering my car?
The state of Mississippi does not require drivers to present proof of insurance when completing car registration. Nonetheless, the more documents you have with you, the less the likelihood is that there will be any delay in processing your request. When registering your vehicle, in addition to presenting necessary documentation, you will also need to bring payment for any fees. These fees are subject to change without notice.

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What type of car insurance am I required to have?
In Mississippi, a resident is required to have the following types of vehicle insurance:

  • Bodily injury
  • Property damage

Although the aforementioned is the minimum insurance coverage you must obtain, there is additional coverage you can opt to get on your policy. For example, medical insurance and uninsured motorist coverage are extra coverage types. Discuss other options that may be available to you with your insurance company.

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What will happen if I fail to get or keep car insurance?
As is the case in most states, Mississippi requires drivers to get car insurance. If you choose to disregard this law, your drivers license will be suspended. Drivers in MS must also claim financial responsibility for accidents they have caused. This is due to the Safety Responsibility Act, which requires accidents that result in injury, death or property damage exceeding $1,000 to be reported.

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Which types of vehicles need to be insured?
The majority of vehicles, both passenger and commercial, must be insured in Mississippi. If you reside in the state and intend to drive on the roadways, you will need to obtain the minimum insurance coverages. Vehicles that require insurance include these below:

  • Passenger vehicles
  • Motorcycles
  • Trucks
  • Vans
  • Commercial vehicles
  • SUVs

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