State guide
Insurance in Mississippi
Required coverage, penalties, official contacts and sources for Mississippi, reviewed 2026-10.
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Car insurance
What Mississippi requires.
Liability minimum 25/50/25. Claims system: fault-based claims.
| Coverage | Requirement in Mississippi |
|---|---|
| Bodily injury liability | $25,000 per person (limited to a single accident) / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Not required. Medical payments coverage is optional |
| Uninsured / underinsured motorist | Not required. Uninsured/underinsured motorist coverage is optional |
Required coverage
- Bodily injury: $25,000 per person (limited to a single accident) and $50,000 per accident
- Property damage: $25,000 per accident
- An insurance card in your vehicle at all times, in paper or electronic form
- Or, instead of insurance, a bond or a cash or security deposit for the same amounts
Other coverage commonly available
- Uninsured/underinsured motorist (optional)
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
The Insurance Department says the initial penalty for failing to maintain an insurance card is $1,000 and suspension of driving privileges for one year or until the vehicle owner shows proof of insurance. The Department of Public Safety says that in 2018 the penalty for not having insurance changed from a civil violation to a criminal offense, and uninsured drivers may face a criminal misdemeanor citation. Confirm current penalties with the Department of Public Safety.
Notices
What to know in Mississippi.
- Mississippi's compulsory liability law took effect January 1, 2001 (House Bill 621), and the minimums rose to 25/50/25 on January 1, 2006. Insurance cards may be paper or electronic since July 1, 2013.
- The Compulsory Liability Law is enforced by the Department of Public Safety, Safety Responsibility Division: 601-987-1255.
- A law enforcement officer cannot stop you solely to check for an insurance card, but can ask for proof of insurance during a stop for any other statutory violation.
- Mississippi has used a statewide electronic insurance verification system since September 2017, according to the Department of Public Safety.
- If an uninsured motorist hits your car, you may not be able to collect damages unless you bought uninsured/underinsured motorist protection. If your car was financed, your lender will most often require collision and comprehensive coverage.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Mississippi Insurance Department
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Mississippi Insurance Department publishes consumer guides, including homeowner's insurance and flood information, and is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Mississippi is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Mississippi Insurance Department
- Website: mid.ms.gov
- Contact page
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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