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Mississippi Auto Insurance 
As a Mississippi resident you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is compulsory in Mississippi.
Mississippi minimum liability limits; $10,000 per person for injuries you cause to the other parties, $20,000 total per accident, and $5,000 for damage you cause to the other party's property. Non mandatory options include medical payments, blanket umbrella, collision, and comprehensive coverage. In Mississippi, 26 percent of all drivers are uninsured, so also consider uninsured (UI) and underinsured motorist (UIM) coverage.
If you are convicted of DUI in Mississippi (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get insured through the Mississippi Automobile Insurance Plan. It was created in 1948 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Mississippi |
$10,000 |
$20,000 |
$5,000 |
$0 |
$0 |
Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Mississippi are a $500 fine, drivers license, and registration suspension.
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