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mississippi car insurance that’s right for you, not someone sorta like you

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

When you start a personalized Mississippi car insurance quote with us, you can take advantage of the perks that make us a desired name in auto insurance. Our Homeowners discount lets Mississippi's many homeowners (the third-highest percentage of any U.S. state!) earn sweet savings just for owning their house. And CoverageMyWay™, only from Esurance, is built right into the quoting process to prioritize available coverage options based on the information you provide.

mississippi car insurance discounts from esurance

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

  • Fast 5® discount
  • 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 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 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 protections:

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

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 insurance options 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 third-highest rate of uninsured drivers in the nation

A report from the Insurance Research Council estimated that about 23 percent of Mississippi drivers were uninsured in 2012 — almost double the national average of 12.6 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 or replace 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. This increased risk of damage and financial loss can affect car insurance rates for residents of the Magnolia State. Luckily, comprehensive coverage can help protect you against repair and replacement bills from coming out of your wallet.

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 uninsured.

Wonder if you could be saving on car insurance?

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