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.
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.
