From Tupelo to Biloxi, all Mississippi motorists are required to have car insurance in order to drive. Mississippi law requires that all drivers maintain liability insurance and carry proof of insurance in their vehicles at all times. Your insurance card can be in paper form or can be shown on your smartphone. It doesn't matter how you prove it, you just have to show that you have the right amount of liability insurance! Unlike many other states, though, in Mississippi you don't need auto insurance to register your car or apply for your Mississippi driver's license.
The minimum required coverage includes $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
What do these coverages do? Bodily Injury Liability pays for medical and legal protection should you or another insured on your policy cause bodily injury to another person while operating your vehicle. Property Damage Liability pays for damage to another's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. With both coverages, the “limit” is the maximum amount the insurance company will pay for property damage.
*Rates and savings vary. Pay plans, discounts and coverages subject to terms and conditions.
The penalties aren't cheap! Mississippi insurance laws actually consider it a misdemeanor. Even one violation can leave you with a $500 fine and suspended driving privileges, or until you show proof of insurance. Getting your license reinstated takes some effort as well.
An affordable auto insurance policy is the easiest way to satisfy Mississippi's laws, but you can also do so with alternative proof of financial responsibility. These options include a surety bond, real estate bond, or certificate of cash.
You don't want to drive without auto insurance, but you also don't want to spend a whole bunch of money to get it. How can you get cheap car insurance in Mississippi? Start by choosing only the coverages you need and getting free insurance quotes.
Other optional coverages that can be added to or removed from your policy include Uninsured Motorist, Collision, Comprehensive, and Medical Payments. These coverages all help pay for damages that happen to you, your property, and others covered under your policy as a result of a covered auto accident. You may decide that you don't want Medical Payments if you have health insurance. And if you drive an older car, you may choose to exclude Comprehensive and Collision coverages altogether. At Direct Auto Insurance, we can help you choose the right auto insurance coverages that leave you with peace of mind, but also an affordable auto insurance policy.
To find the cheapest car insurance in Mississippi, you can also ask about insurance discounts, keep a clean driving record, and make your insurance payments on time to avoid any lapse in coverage.
Just as Mississippi is known as "The Hospitality State," Direct Auto tends to be known as an insurance company that's full of hospitable people! We welcome everyone to apply for coverage and get a quote, even those who may not be accepted by other Mississippi auto insurance companies. Our agents live and work in the communities they serve and understand that auto insurance isn't always the easiest thing to understand. If you still have questions or would like to learn more about your Mississippi auto insurance options, contact us online, over the phone at 1-877-GO-DIRECT, or visit one of our many Mississippi insurance offices near you!
Learn more about Mississippi insurance and driving laws at Mississippi Department of Public Safety, Mississippi Insurance Department, Official State of Mississippi Website, or Mississippi Department of Transportation.