Auto Insurance Minimum Requirements
Mississippi requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Mississippi is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Must be provided automatically at standard minimums unless explicitly rejected in writing.
SR-22 Filings
Required for 3 years following an uninsured accident or severe license suspensions.
Alternatives to Insurance
A cash deposit or a verified corporate bond of $75,000 placed with the Department of Public Safety.
Fine
$100–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Mississippi?
Mississippi requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Mississippi a no-fault state?
No, Mississippi is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Mississippi?
Uninsured motorist coverage is not required in Mississippi, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Mississippi?
Driving without insurance in Mississippi can result in fines of $100–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Mississippi?
SR-22 filings are used in Mississippi for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following an uninsured accident or severe license suspensions.
What does 25/50/25 mean in Mississippi?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Mississippi Insurance Department
More Mississippi Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Mississippi Insurance Department publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.