Mississippi Auto Insurance Guide for New Drivers
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
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Mississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Mississippi operates as a tort liability state, meaning the at-fault driver is financially responsible for damages they cause in an accident. All drivers must carry proof of insurance and show it during traffic stops or after accidents. The state enforces compliance through the Mississippi Motor Vehicle Responsibility Law, which allows law enforcement to verify coverage electronically through the Mississippi Department of Insurance database.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$332/mo
Typical monthly rate in Mississippi, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
10pm-6am Sun-Thu / 11:30pm-6am Fri-Sat
Passengers
none
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
Is full coverage required in Mississippi?
The state only requires 25/50/25 liability, but lenders and leasing companies require full coverage (liability, collision, comprehensive, and uninsured motorist) if you finance or lease your vehicle. Once you own the car outright, you can drop collision and comprehensive if you choose, though this is risky if you cannot afford to replace the vehicle yourself.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an at-fault accident. This is the only coverage Mississippi requires by law, but the 25/50/25 minimum rarely covers the full cost of a serious accident involving multiple injuries or totaled vehicles.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into a complete protection package. This is what lenders require when you finance a vehicle, and it protects both your car and your financial responsibility to others.
Comprehensive Coverage
Covers damage to your vehicle from non-accident events — theft, vandalism, weather, falling objects, and animal strikes. You pay a deductible (typically $500–$1,000), and your insurer covers the rest up to your vehicle's actual cash value.
Uninsured Motorist Coverage
Pays your medical bills and vehicle repairs if you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. It functions as a safety net when the at-fault driver cannot pay for the damage they caused.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of who caused the accident. Your deductible (usually $500–$1,000) applies before coverage kicks in.