Mississippi Car Insurance

Whether you’re commuting into Jackson for work or heading down to the Gulf for a beach day, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

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What is the average cost of car insurance in Mississippi?

Mississippi drivers paid an average of $1,149 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Mississippi?

A car insurance policy with a minimum amount of liability coverage is required in Mississippi. However, minimum coverage may not be the full extent of coverage you want.

As of March 2023, 25/50/25 liability coverage limits are the minimum required in Mississippi.



Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$25,000 per accident


Bodily injury liability


$25,000 per person; $50,000 per accident


Property damage liability


$25,000 per accident

What does car insurance typically cover in Mississippi?

A typical car insurance policy in Mississippi includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Mississippi car insurance discounts

Farmers offers a variety of discounts for drivers in Mississippi. For example:

  • Multi-vehicle
  • Multi-policy
  • Youthful driver

See more information about additional discounts that may be available in Mississippi.

Sam D. Hamilton Noxubee Wildlife Refuge

old state house n Boston

Established as a stopping-off point for migrating birds, Noxubee is a dream for birdwatchers. More than 200 species can be spotted here, including nesting bald eagles and the endangered red-cockaded woodpecker. — U.S. Fish and Wildlife Service

More coverage options in Mississippi

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Mississippi home insurance

Learn more about what home insurance in Mississippi covers, available discounts and more.

View home insurance coverage details and discounts for Mississippi

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Mississippi renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Mississippi

Learn From Experience

Still have questions about cars and car insurance in Mississippi? We have answers.

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase. 

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.