Auto Insurance in Mississippi (MS)
What Affects Auto Insurance Rates in Mississippi?
Twenty-six percent of Mississippi auto drivers are uninsured. This is the highest rate of uninsured drivers in the country. The state also has a high traffic fatality rate; at 2.32 traffic deaths per 100 million miles of travel, it’s 57 percent higher than the national average. In addition, catastrophic losses from hurricane damage in 2005 damaged residents’ cars, resulting in 107,500 auto insurance claims. These factors, as well as factors like your age and your driving record, will affect what you pay for car insurance in Mississippi.
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Auto Insurance Requirements in Mississippi (MI)
Like most states, Mississippi requires drivers to carry minimum levels of liability insurance. These amounts are as follows:
- $25,000 of bodily injury coverage per person
- $50,000 of bodily injury coverage per person
- $25,000 of coverage for property damage
It’s wise to remember, however, that these are minimums. Most insurers recommend significantly higher limits to cover the costs associated with an accident. Accidents usually cost more than the minimum limits. Adequate coverage is also important if you own a home or other financial assets; you will want to safeguard these in case you have to pay medical expenses or are sued.
Auto Insurance Discounts in Mississippi (MI)
Some insurers offer discounts on car insurance rates to drivers for the following:
- Completing state-authorized defensive driving courses
- Owning vehicles with air bags or other safety devices
Speak to your insurance agent about the discounts applicable to you and your situation. You can shave a lot of money off of your auto insurance premium just by asking!
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Auto Insurance Providers in Mississippi (MI)
Some companies currently offering auto insurance in Mississippi include:
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Get More Information on Auto Insurance in Mississippi (MI)
For more information on auto insurance coverage requirements and other insurance related inquiries, contact the Mississippi department of motor vehicles at:
Mississippi Department of Public Safety
Driver Records Branch
P. O. Box 958
Jackson, MS 39205
www.dps.state.ms.us
*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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