Mississippi Car Insurance
Mississippi drivers must carry 25/50/25 liability under the Mississippi Motor Vehicle Safety Responsibility Law (Miss. Code § 63-15-3)1. UM and UIM are a must-offer at the compulsory liability limits under Miss. Code § 83-11-1012. Mississippi is a traditional tort state and does not require PIP4.
YesWeSure Bottom Line
Traditional tort state. Mississippi does not require PIP. First-party medical bills typically flow through health insurance or optional MedPay; tort recovery against the at-fault driver remains the primary mechanism4.
UM/UIM default is on. Every Mississippi personal auto policy includes UM and UIM unless the named insured rejects the coverage in writing2.
How to make a real decision. Treat 25/50/25 as a floor, not a target. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Mississippi car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under the Mississippi Motor Vehicle Safety Responsibility Law (Miss. Code § 63-15-3).
Personal Injury Protection (PIP)
Not required4
Mississippi is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer; 25 / 50 BI if purchased2
Miss. Code § 83-11-101 requires every Mississippi personal auto policy to include UM and UIM at not less than the compulsory liability limits unless the named insured rejects it in writing.
Coverage verification
Mississippi DPS insurance verification3
The Mississippi Department of Public Safety administers insurance verification. Confirmed lapse under Miss. Code § 63-15-4 can trigger driver license suspension and reinstatement fees.
Rate approval regime
MID oversight4
Mississippi does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
The Mississippi Motor Vehicle Safety Responsibility Law (Miss. Code § 63-15-3) compels every registered Mississippi vehicle to carry 25/50/25 liability1. Many Mississippi drivers carry higher limits.
PIP: not required in Mississippi
Mississippi does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM/UIM must-offer under Miss. Code § 83-11-101
Every Mississippi personal auto policy must include UM and UIM at the compulsory liability limits unless the named insured rejects the coverage in writing2.
DPS verification and lapse enforcement
The Mississippi Department of Public Safety administers insurance verification5. A confirmed lapse under Miss. Code § 63-15-4 can trigger driver license suspension and reinstatement fees3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Mississippi does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Mississippi situation rules live on YesWeSure
This State Guide owns the Mississippi pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Mississippi SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DPS consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Mississippi. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability under Miss. Code § 63-15-3 verified against the statute.
- StrongMississippi is a traditional tort state (no PIP) verified against the MID consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer at compulsory liability limits under Miss. Code § 83-11-101 verified against the statute. Written rejection required to decline.
- StrongMississippi DPS insurance verification under Miss. Code § 63-15-4 verified against the statute.
- LimitedDeliberately omitted from V1. A Mississippi modeled cost anchor; carrier-specific MS underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Mississippi-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Mississippi?
25/50/25 liability under Miss. Code § 63-15-31. UM/UIM is a must-offer at the compulsory liability limits and ships on the policy unless rejected in writing2.
Is Mississippi a no-fault state?
No. Mississippi is a traditional tort state and does not require PIP4.
Is UM/UIM required in Mississippi?
UM and UIM are must-offer. Every Mississippi personal auto policy includes UM/UIM at the compulsory liability limits unless the named insured rejects the coverage in writing under Miss. Code § 83-11-1012.
Sources & methodology
- Miss. Code § 63-15-3: Mississippi Motor Vehicle Safety Responsibility Law; 25/50/25 compulsory liability. (Mississippi Legislature (via Justia Codes), TIER 1)
- Miss. Code § 83-11-101: Uninsured and Underinsured Motorist must-offer at compulsory liability limits; written rejection required. (Mississippi Legislature (via Justia Codes), TIER 1)
- Miss. Code § 63-15-4: compulsory motor vehicle insurance; penalties for operation without insurance. (Mississippi Legislature (via Justia Codes), TIER 1)
- Mississippi Insurance Department: Automobile Insurance consumer page. (Mississippi Insurance Department, TIER 1)
- Mississippi Department of Public Safety: Insurance verification and compulsory insurance enforcement. (Mississippi Department of Public Safety, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Mississippi Code, Mississippi Insurance Department, Mississippi Department of Public Safety). Every legal number traces to a Mississippi primary source: Miss. Code §§ 63-15-3, 63-15-4, 83-11-101. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .