Mississippi Car Insurance – Auto Insurance Quotes in MS
The Mississippi Headwaters might be in Minnesota, but the Mississippi river state has mile after scenic mile of road for residents and visitors alike to explore. From the Mississippi Delta to the cotton fields, drivers experience great scenery and historic sites. Mississippi state law requires that all of those drivers have basic minimum liability insurance for their vehicles. While that law does not allow a police officer to pull a motorist over just to verify proof of insurance, it does permit the officer to ask for proof during stops for other traffic violations. As a result, getting the right car insurance is the best way to ensure that you enjoy driving in Mississippi.
Mississippi Car Insurance Requirements
Mississippi state car insurance laws follow a Tort system, meaning that a driver will be found to be at fault for causing an accident, and that driver is responsible for damages caused by the accident. To ensure that drivers can cover the costs of damages from an accident, the state requires them to maintain current minimum liability car insurance requirements.
Mississippi drivers may also elect to have uninsured/underinsured motorist coverage, but the state does not require that they do so. MyCarInsuranceRates.com can help you make sure that you have the car insurance you need to meet both the state requirements and your own needs.
Understanding Mississippi Car Insurance Liabilities & Coverage
Mississippi state law requires all drivers in the state to have car insurance with minimum bodily injury liability limits of $25,000 per injured person and $50,000 per accident, including medical expenses; as well as property damage liability coverage with a minimum limit of $25,000, including public and private property repairs and claims. This basic coverage is often referred to as 25/50/25 coverage. However, many drivers will choose to purchase car insurance with higher limits and more coverage to protect themselves financially in the case that damages caused by an accident are higher than these minimums.
Mississippi Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
Mississippi Car Insurance Laws & Regulations
Mississippi requires all operational vehicles that are intended to be operated on state highways to be insured. Drivers must have proof of current liability auto insurance or personal financial responsibility with them at all times. Drivers who cannot provide proof of insurance or personal financial responsibility can be fined up to $1,000 and have their drivers license and vehicle registration suspended for up to one year on the first offense with penalties increasing on each subsequent offense. Authorities may ask for proof of insurance at any time when they stop a motorist for any traffic violation and will always require the driver to provide proof when they are involved in an accident.
Average Mississippi Car Insurance Rates
The average auto insurance rates for residents in Mississippi in 2010 were $1,196, nearly $400 below the national average of $1,538. In 2009, average Mississippi auto insurance rates fell by 4% and in 2010, they fell yet another 16% lower. Given such a large reduction in Mississippi car insurance rates, it only makes sense that drivers compare their current prices with the rates they could be getting on a new policy.
While some people think auto insurance companies fix their rates, the truth is that car insurance rates can vary significantly between companies. My Car Insurance Rates helps drivers find the best discounts and rates available in Mississippi, just enter your zip code and we’ll show you the top car insurance companies.
Mississippi Car Insurance Quotes
Right now, with rates lower than they have been in over two years, it is the best time to get and compare lower, affordable car insurance quotes. Some drivers hesitate to compare rates because they think it will be a long tedious process, but that’s just not the case when they use MyCarInsuranceRates.com.
We get car insurance quotes from the top car insurance companies in Mississippi, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP, allowing drivers to compare and choose the best rates and policies. This means that requesting online quotes could save you hundreds of dollars instantly and get you cheap Mississippi car insurance.
