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Mississippi- Auto Insurance

Mississippi has financial responsibility laws that do not necessarily require drivers to purchase a policy with liability coverage.


  • Mississippi requires all vehicles to be insured.
  • You must have proof of financial responsibility with you at all times. If you have a liability policy, you will need your insurance ID card in your vehicle at all times
  • The minimum liability amounts are: $25,000 per person for injuries, $50,000 per accident for injuries, and $25,000 per accident for physical damage to another vehicle or someone else’s property.

Mississippi law does not allow a police office to pull you over just to verify that you have proof of insurance. 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 be suspended for a year or until you provide proof of insurance.


Physical Address:
Mississippi Insurance Dept.
1001 Woolfolk State Office Bldg.
501 North West Street
Jackson, MS 39201
Phone: 1-601-359-3569
Mailing Address:
PO Box 79
Jackson, MS 39205

Mississippi (MS) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of car insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $500 plus license suspension

Inside Mississippi- Auto Insurance