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Mississippi Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Mississippi. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Mississippi.

MS Auto Insurance Laws and Regulations:

Mississippi Insurance Dept. / 1001 Woolfolk State Office Bldg.
501 North West Street
Jackson, MS 39201

Minimum Car Insurance Coverage in MS:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

MS Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


MS Uninsured Penalties:

The initial penalty for failing to maintain proof of Financial Responsibility may be up to $1000 and include suspension of driving privileges (license and registration) for one (1) year or until the motor vehicle owner shows proof of insurance. If the driver produces proof of Financial Responsibility at the time of the court hearing, the fine may be reduced to $100. To reinstate your license you may be required to file proof of Financial Responsibility with the Department of Public Safety of the State of Mississippi (DPS).

Mississippi law does not allow a police office to pull you over just to verify that you have proof of insurance, but it does permit the officer to ask you for your insurance ID card during stops for other traffic violations. If you cannot provide proof of insurance, you will have to pay a fine of $1,000 for a first offense. Your driving privileges will also be suspended for a year or until you provide proof of insurance.

Penalties will increase with each additional offense of not carrying coverage.


MS Department of Insurance Contact Information:

1-601-359-3569

MS State Insurance Department Website:





Directory of Mississippi Auto Insurance Agents by County

Adams
Alcorn
Amite
Attala
Benton
Bolivar
Calhoun
Carroll
Chickasaw
Choctaw
Claiborne
Clarke
Clay
Coahoma
Copiah
Covington
Desoto
Forrest
Franklin
George
Greene
Grenada
Hancock
Harrison
Hinds
Holmes
Humphreys
Itawamba
Jackson
Jasper
Jefferson Davis
Jones
Kemper
Lafayette
Lamar
Lauderdale
Lawrence
Leake
Lee
Leflore
Lincoln
Lowndes
Madison
Marion
Marshall
Monroe
Montgomery
Neshoba
Newton
Noxubee
Oktibbeha
Panola
Pearl River
Pike
Pontotoc
Prentiss
Quitman
Rankin
Scott
Simpson
Smith
Stone
Sunflower
Tallahatchie
Tate
Tippah
Tishomingo
Tunica
Union
Walthall
Warren
Washington
Wayne
Webster
Wilkinson
Winston
Yalobusha
Yazoo

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