Mississippi
- ~$40–$55
- ~$115–$135
- $25K/$50K/$25K
Mississippi generally has affordable car insurance rates, but challenges such as higher uninsured driver rates and rural driving risks affect premiums. The state uses a tort liability system, with minimum mandatory coverage requirements. Weather and road conditions can contribute to accident frequency.
Find a local Auto Insurance agents in your town:
Mississippi Auto Insurance Facts *
Drivers
- ~1.8–1.9 million licensed drivers as of 2023.
- High vehicle ownership, with ~85% of households owning at least one vehicle.
- Pickups and SUVs popular due to rural terrain.
- Uninsured motorist rate estimated around 15%.
- Limited public transportation options.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~28,000 | ~7,200 | 600 |
| 2019 | ~29,300 | ~7,500 | 620 |
| 2020 | ~25,600 | ~6,800 | 610 |
| 2021 | ~27,100 | ~7,100 | 630 |
| 2022 | ~28,000 | ~7,300 | 640 |
Laws & Regulations
- Fault-based (tort) liability system.
- Mandatory bodily injury and property damage coverage.
- Proof of insurance required at registration.
