Mississippi Car Insurance Minimum Requirements

Mississippi requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
Mississippi has required these limits since January 1, 2006 (Laws 2005, ch. 483). Check any figure you are given against that date: the Department of Public Safety's own driver's manual still prints the pre-2006 numbers — $10,000 per person, $20,000 per accident, $5,000 property damage — while the statute, the Insurance Department and the state's insurance verification portal all say 25/50/25.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $25,000
Uninsured / underinsured motorist: Included by default; rejectable in writing
Uninsured motorist coverage must be written into every Mississippi auto policy — bodily injury since 1967, property damage since 1980 — unless a named insured rejects it in writing. The floor is the same 25/50/25; you may raise it up to your own liability limits. Once rejected, it does not come back on a renewal, a replacement or a transferred policy unless you ask for it in writing. The property damage part may exclude the first $200 (Miss. Code § 83-11-101(1), (2)).
Personal injury protection (PIP): Not required
Mississippi requires liability coverage only. Nothing obliges an insurer to cover your own injuries — medical payments coverage is sold separately and is optional.

Property damage minimum — where Mississippi sits

Mississippi sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Mississippi compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Mississippi drivers actually spend. The average premium written per insured vehicle here was $444 in 2023, 18th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Mississippi will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Mississippi?

Included by default; rejectable in writing.

Is PIP required in Mississippi?

Not required.

Is full coverage required in Mississippi?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Mississippi law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Mississippi

Why the rule looks like this

More on Mississippi

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.