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• MS Auto Insurance

Compare Mississippi Auto Insurance Quotes & Companies

Compare Mississippi Auto Insurance

It can save you hundreds of dollars a year in Mississippi car insurance payments to spend a few minutes making sure you purchase the best auto policy for you. Your automobile insurance is probably one of the most important purchases you make. Make sure you get the best value for your money by making sure you know what types of insurance you need, how much you need, and what MS insurance company you feel is the best suited to meet your expectations.

At Auto Insurance Planners, learn everything you need to know about Mississippi’s auto insurance laws and compare Mississippi auto insurance company quotes here. You may also learn about factors that affect your MS insurance rate.

Mississippi Laws Governing Minimum auto insurance requirements

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

In Mississippi, as in most states, you are required to purchase liability insurance on registered vehicles and you must carry a proof of insurance card inside of your vehicle. The law governing minimum liability requirements changed on January 1, 2006, to increase the minimum’s to:

• $25,000 per person (limited to a single accident)
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

There are a few different ways you may meet these requirements in Mississippi, although the vast majority of Mississippians do this by purchasing a car insurance policy from a Mississippi auto insurance company.

You may also choose to meet the minimum requirements by:

• Posting a bond in the amount of the minimum amounts required
• Making a cash or security deposit in the amount of the minimums amounts required

Mississippi is a tort state.

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation.

Personal Injury Protection (PIP): Recommended but not required in Mississippi.

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Uninsured motorist coverage (UIM): Recommended but not required in Mississippi

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Mississippi, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Mississippi auto insurance rates.