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Mississippi Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Mississippi. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Mississippi Car Insurance Laws

Mississippi law requires that all drivers maintain liability insurance. The Mississippi minimum liability requirements are 10/20/5, that is: $10,000 per person (limited to a single accident), $20,000 per accident for bodily injury, and $5,000 per accident for property damage.

Liability coverage pays for damage you cause to other people and their property. If you are at fault in an accident, liability coverage will only pay up to your limits of insurance. You will be responsible for any damages over that amount. In today’s era of ever-rising medical costs and auto repair bills, the state-mandated minimum requirements of 10/20/5 may not be sufficient. It is a good idea to consider purchasing liability coverage with higher limits.

Mississippi car insurance companies also offer optional coverage that can be added to your auto insurance policy including collision, comprehensive, and medical payments components. Collision coverage will pay for the cost of repairing damage to your car caused by an impact with a vehicle or object. Comprehensive coverage will reimburse you if your car is stolen. Medical payments coverage will pay the expenses of persons injured in an accident regardless of fault. If your car was financed, most often your lender will require you to carry collision and comprehensive coverage.

Mississippi State Tax Commission – Motor Vehicle Licensing

The Mississippi DMV website provides basic information and online tag renewal for residents of the state. The MS DMV provides answers to almost a dozen of the most common questions. If you need more help, the site lists phone numbers for any vehicle registration inquiries. The Mississippi Motor Vehicle Licensing tax laws, rules and regulation are also listed on the site. Application and forms for temporary tags and motor vehicle records disclosure form can be downloaded and sent in

Mississippi Department of Insurance

The Mississippi Department of Insurance website has a wide range of helpful insurance information for Mississippi consumers. Go online to read the most recent consumer publications, consumer updates, and consumer guides. Consumers can find links to major rating agencies and check insurance companies' financial status when shopping for insurance.

Drivers can find information about the Mississippi Compulsory Liability Automobile Insurance. The minimum liability requirements and tips on shopping for auto insurance are listed in this section. You can protect yourself from companies in bad financial shape by asking questions when you are shopping for insurance. Call the Mississippi Insurance Department to make sure that the company is licensed to do business in MS. If not, don’t buy insurance from that company. If you purchase insurance coverage from companies not legally doing business in Mississippi, you will not be protected by the Guaranty Fund should the company fail.