Mississippi car insurance statutes
Every figure on the Mississippi pages comes from a numbered section of Mississippi law or from the agency that administers it. This is the whole list — 19 laws and 10 agency pages — so you can go straight to the section you need, or check what we read before we wrote a number down.
Statutes and session laws
- Miss. Code § 11-7-15read September 27, 2026
Contributory negligence no bar to recovery (FindLaw, current as of Jan. 1, 2025; Mississippi's official code is LexisNexis-only and blocks automated readers)
Used on fault system
- Miss. Code § 63-1-7read September 27, 2026
sixty consecutive days on an out-of-state license
Used on moving here
- Miss. Code § 63-1-46read September 27, 2026
Reinstatement fees of $100, $175 and $25
Used on sr-22
- Miss. Code § 63-3-411read September 27, 2026
Duties of drivers involved in accidents causing injury, death or property damage of $500 or more (FindLaw, current as of Jan. 1, 2025; Mississippi's official code is LexisNexis-only and blocks automated readers)
Used on crash reporting
- Miss. Code § 63-15-3(j)read September 27, 2026
proof of financial responsibility set at $25,000 / $50,000 / $25,000 (FindLaw, current as of Jan. 1, 2025). Mississippi's official code is published only through LexisNexis, whose public-access site does not serve statute text to automated readers; cross-checked against Justia's 2023 edition and, for every figure used here, against a Mississippi Legislature enrolled bill or a state agency page
Used on minimum coverage
- Miss. Code § 63-15-4(4), (5)read September 27, 2026
Insurance card offense: $100 and one year; case dismissed if coverage is later shown to have been in force
Used on driving uninsured, fault system, coverage lapse
- Miss. Code § 63-15-27read September 27, 2026
Suspension on an unsatisfied judgment; proof of financial responsibility required to drive again
Used on sr-22
- Miss. Code § 63-15-35read September 27, 2026
Proof of financial responsibility required on a conviction that suspends or revokes the license, and before an unlicensed person may be licensed
Used on sr-22, driving uninsured
- Miss. Code § 63-15-39read September 27, 2026
Certificate of insurance as proof of financial responsibility
Used on sr-22
- Miss. Code § 63-15-43(2)(b)read September 27, 2026
a certified motor vehicle liability policy must carry the same 25/50/25 limits
Used on minimum coverage
- Miss. Code § 63-15-45read September 27, 2026
Ten days' notice to the department before a certified policy may be cancelled
Used on sr-22, coverage lapse
- Miss. Code § 63-15-61read September 27, 2026
Duration of maintenance of proof of financial responsibility: three years (FindLaw, current as of Jan. 1, 2025; Mississippi's official code is LexisNexis-only and blocks automated readers)
Used on sr-22
- Miss. Code § 63-15-67read September 27, 2026
Surrender of license
Used on sr-22, coverage lapse
- Miss. Code § 63-15-69(2)read September 27, 2026
up to $1,000 for false or forged proof of financial responsibility, the only $1,000 in the chapter
Used on driving uninsured
- Miss. Code § 63-16-3read September 27, 2026
the motor vehicle insurance verification system: insurer data no more often than every 30 days, available around the clock, free to the department, the courts and law enforcement
Used on coverage lapse
- Miss. Code § 63-16-11read September 27, 2026
vehicles the verification system does not cover: commercial auto, fleets, self-insured fleets, binders not yet entered, and anything at or above 16,000 lbs
Used on coverage lapse
- Miss. Code § 63-16-13(1)read September 27, 2026
Failure to maintain liability insurance: $100 fine and one year's suspension (FindLaw, current as of Jan. 1, 2025; Mississippi's official code is LexisNexis-only and blocks automated readers)
Used on driving uninsured
- Miss. Code § 83-11-101read September 27, 2026
Uninsured motorist coverage; rejection in writing; $200 property damage exclusion
Used on minimum coverage
- Miss. Code § 99-19-73(1)read September 27, 2026
state assessments added to any Title 63 fine
Used on driving uninsured
Agency pages and forms
Used where the law leaves a detail to the agency — a form name, a fee set by order, a deadline published rather than enacted. Where a statute and an agency page disagree, the state page says so.
- Mississippi Department of Revenueread September 27, 2026
Motor Vehicle Frequently Asked Questions ("You have 30 days to register your vehicle(s) after moving to Mississippi"; emissions testing not required; insurance not enforced at registration)
Used on moving here
- Mississippi DPS Driver Service Bureauread September 27, 2026
Reinstatement fee table
Used on sr-22, coverage lapse
- Mississippi DPS Driver Service Bureauread September 27, 2026
Crash Reports / Judgements: 60 days to send proof of insurance after a crash; $100 accident suspension reinstatement
Used on driving uninsured, crash reporting
- Mississippi Driver's Manual (2023)read September 27, 2026
still prints the pre-2006 $5,000 / $10,000 / $20,000 minimums
Used on minimum coverage, sr-22, driving uninsured, moving here
- Mississippi Insurance Departmentread September 27, 2026
Auto Insurance (states the 25/50/25 minimums; lists UM/UIM, collision, comprehensive and medical payments as optional)
Used on minimum coverage, fault system
- Mississippi Legislatureread September 27, 2026
House Bill 325 (2018), Ch. 454, as sent to the Governor: strikes the $300 / $400 / $500 civil penalty and the $500 card fine, substituting $100
Used on driving uninsured
- Mississippi Legislatureread September 27, 2026
House Bill 982 (2015), Ch. 417: repeals §§ 63-13-1 through 63-13-29, the Motor Vehicle Safety Inspection Law, effective July 1, 2015
Used on moving here
House Bill 529 (2023), Ch. 517, as sent to the Governor
Used on coverage lapse
House Bill 1277 (2013), Ch. 389, as sent to the Governor
Used on sr-22
- Mississippi Vehicle Insurance Verification Systemread September 27, 2026
Program Information ("the minimum liability requirements are $25,000 per person ... $50,000 per accident for bodily injury, and $25,000 per accident for property damage")
Used on minimum coverage, driving uninsured, coverage lapse