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Best Affordable Auto Insurance in Mississippi
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Auto insurance in Mississippi can be cheap and affordable if you know what type of coverage you need, and what a basic insurance policy consists of. Mississippi law requires that all drivers maintain liability insurance and carry a card in their vehicles at all times showing proof of liability insurance. On January 1, 2006, the minimum liability requirements increased from their previous level. It is now a necessity for a policy to carry bodily liability coverage of $25,000 for a single person injured in an accident, $50,000 per accident for bodily injury to two or more people, and $25,000 per accident for property damage. As a Mississippi driver, you can legally satisfy these requirements by paying $35000 to the department of insurance as proof of financial responsibility. However, the majority of citizens purchase automobile liability insurance as it is the most cost-effective way to protect yourself ?nancially in case of an automobile accident. Since maintaining it in your vehicle is now the law, it does not mean you can't save money when purchasing a policy especially if you are a good and informed driver. Understanding the different aspects of your policy is also important to saving money. The required liability coverage pays for damage you cause to other people and their property if you cause an accident. It is worth noting that in today's era of ever-rising medical costs and auto repair bills, the state-mandated minimum requirements of 25/50/25 may not be suf?cient. It is a good idea to consider purchasing liability coverage with higher limits so that you are covered no matter how serious the accident. Remember, if you are at fault in an accident, liability coverage will only pay up to your limits of insurance. You will be responsible for any damages over that amount. Finding the best and most affordable auto insurance in Mississippi can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Mississippi. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Magnolia State.

Understanding Mississippi's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Mississippi one must understand what coverage they need. Mississippi is not a no fault state, and does not require coverage for Personal Injury Protection (PIP) or from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Mississippi the minimums are 25/50/10. The numbers are in thousands of dollars.

Mississippi Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $383
  • Average Collision Cost: $276
  • Average Comprehensive Cost: $156
  • Average Cost per Year in Mississippi: $680
  • US Average Cost: $795
  • Expense Rank: 32/51

Best Mississippi Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
N/A 65%
41%
N/A 53%
37%
55%
N/R
30%
N/A N/R
N/R
39%
N/A 42%
34%
N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/R
N/A 75%
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%