mississippi car insurance
Hi there, Mississippi driver. Welcome to our guide to car insurance in the Magnolia State. You'll find info on everything from legally required coverages to money-saving discounts.
Mississippi car insurance
Mississippi drivers are required to have the following coverages and limits on their policies:
- $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 choose higher limits, if you prefer, when you buy your policy.
Driving without car insurance
Drivers convicted of driving without insurance coverage can lose driving privileges for one year (or until they can prove they have coverage) and face fines up to $1,000.
Esurance in Mississippi
Esurance started offering car insurance to Mississippi drivers back in '06.
Esurance discounts offered in Mississippi
When you buy a new policy in Mississippi, 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 discounts, please call us at 1-800-ESURANCE (1-800-378-7262).
Optional Esurance coverages in Mississippi
You can add any of the following coverages to your Esurance policy:
- Comprehensive and collision coverage (may be required by your loan or leasing agent)
- Emergency road service coverage
- Rental car coverage
- Customized parts and equipment coverage
- Loan/lease gap coverage
- Medical payments coverage
- Uninsured motorist bodily injury coverage
- Uninsured motorist property damage coverage
Car repair shops in Mississippi
Esurance customers 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 a personalized policy recommendation.
Driving statistics that could impact 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).
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.
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 2010 study by the Bureau of Transportation Statistics found that 0.4 percent of the working population used public transportation to commute (tied for 2nd-fewest 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 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 link
Facts for Mississippi motorists
Brush up on pertinent road laws and stats that can affect drivers in your state.