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mississippi car insurance

Esurance started offering car insurance in Mississippi back in 2006. And we've been determined to provide tech-driven, affordable coverage to Magnolia State drivers ever since.

When you start a Mississippi car insurance quote with us, you can take advantage of the perks that make us a desired name in auto coverage. Our Homeowner discount lets Mississippi's many homeowners (the third-highest percentage of any U.S. state!) earn sweet savings just for owning their house. And handy online tools like RepairView® simplify the post-accident process by guiding you to trusted car repair shops in your part of the state.

So why wait another minute? Start your policy and see what it's like to have a car insurer who cares about the same things you do: reliable coverage, 24/7 availability, great rates, (and ace spelling skills, obviously).

Mississippi car insurance discounts from Esurance

When you get your Mississippi car insurance quote, you could qualify for these great discounts:

  • Fast 5® discount (for starting your quote online)
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Defensive Driver discount
  • Good Student discount

Discounts may vary. If you're a current Esurance policyholder and have questions about your car insurance discounts, please call us at 1-800-ESURANCE (1-800-378-7262).

Mississippi auto insurance coverages

Required coverages

Car insurance in Mississippi must include, by law, the following coverages and limits:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per incident
  • $25,000 in property damage liability coverage per incident

These required minimums will often be expressed as 25/50/25. You'll be able to exceed the requirements and choose higher limits, if you prefer, when you get your quote.

Driving without car insurance in Mississippi

Drivers convicted of driving without Mississippi auto insurance coverage can lose driving privileges for one year (or until they can prove they have coverage) and face fines up to $1,000.

Motorists are allowed to provide digital proof of insurance on their smartphones, tablets, and other devices in the unfortunate event they get pulled over. Esurance customers in the Hospitality State can download our helpful mobile app for constant access to ID cards and other helpful policy management tools.

Optional coverages

Variety is our middle name (well, it's really Fillmore, but just go with it). We want Mississippi drivers to have as many coverage options as they need to have the utmost peace of mind on the road. That's why in addition to your basic Mississippi auto insurance requirements, you can also add any of the following coverages:

  • Comprehensive and collision coverage (may be required by your loan or leasing agent)
  • Emergency roadside service coverage
  • Rental reimbursement coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage

Car repair shops in Mississippi

Esurance customers who have Mississippi car insurance can take their damaged to cars to shops in our E-star® network and take advantage of RepairView and guaranteed repairs (for as long as the car is theirs).

Find an E-star repair shop near you.

Esurance Coverage Counselor®

Spend a few minutes with our online counselor for personalized recommendations to customize and improve your policy.

Driving statistics that could impact Mississippi car insurance rates

Car insurance rates are determined, in part, by location (although there are plenty of ways to counteract this factor, like keeping a clean driving record). Here are a few other trends that could affect what you pay for car insurance:

The most uninsured drivers in the nation

A 2011 report from the Insurance Research Council estimated that 28 percent of Mississippi drivers were uninsured in 2009 — 2 percent more than any other state and about double the national average of 13.8 percent.

Uninsured motorist bodily injury coverage is a mouthful, but it can help protect you from uninsured drivers. This coverage allows you to file a claim with your own insurer if you're in an accident with an at-fault driver who doesn't have any (or enough) liability coverage to cover your medical expenses.

Uninsured motorist property damage can help pay to repair your damaged car.

Daily driving

Mississippians depend greatly on their cars for commuting. A 2011 U.S. Census Bureau survey found that 0.4 percent of the working population used public transportation to commute (tied for the least in the nation).

Tropical storms in Mississippi

Mississippi lies in the danger zone for heavy hurricanes, which can (of course) cause significant property damage to cars. How destructive can these storms be? Since 1950, there have been 12 hurricanes in the U.S. that have caused more than $1 billion in total damage. And 4 of them made landfall in Mississippi.

Alternative car insurance options

If you have trouble finding Mississippi car insurance through typical channels, you may be eligible for a state-mandated insurance plan. Head to the website for Mississippi's assigned risk car insurance to find out more.

Related links

How speeding tickets impact your rates
Learn the truth about how speeding violations impact your policy and how speed limits vary by state.

The costs of uninsured driving
Find out why an accident will hit not just your car, but also your wallet, if you're uinsiured.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262