Cheapest Liability Car Insurance in Mississippi (2026)

What is liability car insurance?

Liability car insurance pays for damage you cause to other people and their property. But liability coverage only pays for injuries and damages you cause to others up to your insurance limits. If damages exceed your limits, you may have to pay out of pocket.

Liability insurance also doesn’t pay for your medical bills or vehicle repairs. If you want to protect your vehicle, you can purchase full-coverage insurance. Full coverage combines liability insurance with collision coverage and comprehensive coverage. It protects your vehicle, regardless of fault.

Mississippi requires all drivers to meet the state’s compulsory liability law. You can do this by showing proof of 25/50/25 in liability insurance, posting a bond for the same coverage minimums, or making a cash or security deposit equal to Mississippi’s minimum requirements.^[1]

Cheapest liability car insurance in Mississippi

The average cost of car insurance in Mississippi is $89 per month for liability-only coverage and $186 for full coverage. But rates can vary based on factors like your age, credit, driving history, the coverage limits you choose, and your ZIP code.

For example, less densely populated cities like Tupelo have lower average premiums than more densely populated cities like Jackson.

The following table shows the cheapest Mississippi car insurance quotes for liability-only coverage.

The below rates in Mississippi are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$45
USAA	$47
Progressive	$54
Bristol West	$67
Direct Auto	$68
National General	$69
Allstate	$71
GEICO	$79
The General	$86
Travelers	$89
Trexis One	$90
Safeco	$92
First Acceptance	$94
Mendota	$94
GAINSCO	$95
Root	$99
Shelter	$114
Liberty Mutual	$141
Dairyland	$147
Hugo	$147

Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.

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Minimum liability car insurance requirements in Mississippi

In Mississippi, most drivers choose to carry liability insurance to meet the state’s minimum liability requirements. Policies must include $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 per accident in property damage liability coverage.

Bodily injury liability coverage helps pay for the costs of injuries or death you cause to another person. Property damage liability insurance helps cover the cost of damages that you cause to another person’s vehicle or property.

For example, say you cause an accident that totals your $30,000 car and damages another driver’s $35,000 SUV. The other driver also suffers $25,000 in medical expenses. 

If you carry only the state’s minimum-coverage limits, you’ll have enough insurance to cover the cost of the other driver’s medical expenses. Your property damage liability will pay only up to $25,000 for the other driver’s SUV, so you’ll need to pay the remaining balance out of pocket. And if you don’t have full coverage, your damages to your vehicle won’t be covered.

Coverage Type	Minimum Requirement in Mississippi
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident

Is minimum liability coverage enough in Mississippi?

Minimum liability coverage in Mississippi allows you to drive legally in the state. But state-minimum coverage doesn’t usually offer enough financial protection after a serious crash, so the Mississippi Insurance Department recommends that drivers purchase higher coverage limits. 

For example, if you cause an accident where the other driver’s vehicle damage and medical bills are greater than your policy limits, you’ll likely have to pay the remaining cost out of pocket. And if your vehicle is damaged in the accident, your liability coverage won’t pay to repair it. To protect your vehicle, you’ll need to consider full-coverage car insurance.

Here are a few scenarios where you may need more than minimum coverage to protect your vehicle:

• You lease or finance your vehicle, and your lender requires full coverage. In Mississippi, just over 3% of drivers lease their vehicle, according to Insurify data. 

• You live in a high-crime area where vehicle theft or vandalism is likely. 

• You drive a new, high-value vehicle. 

• You want to protect your vehicle from Mississippi’s severe weather events, including high winds, flash flooding, and hail.^[2]

• You live in a high crash area. Mississippi reported 753 traffic crash fatalities in 2024, and 639 were projected for 2025, according to data from the National Highway Traffic Safety Administration.

• You live in an area with a high percentage of uninsured drivers. Mississippi has some of the highest uninsured motorist rates in the country, at 28.2%, according to the National Association of Insurance Commissioners. 

Penalties for driving without liability insurance in Mississippi 

Maintaining proof of minimum insurance coverage is required by law in Mississippi. If you’re caught driving without insurance, you can face license suspension plus the following fines:^[3]

• A fine of $300 for a first offense

• A fine of $400 for a second offense

• A fine of $500 for a third or subsequent offense

Mississippi law enforcement can electronically verify your vehicle’s insurance status, and if you drive without coverage, you could face a criminal misdemeanor citation. You might also need to obtain an SR-22 form to provide proof of financial responsibility and maintain insurance that satisfies your SR-22 requirements for at least three years.

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How to find cheap liability car insurance in Mississippi

To help you find the most affordable liability-only car insurance in the Magnolia State, consider the following tips: 

• Maintain a clean driving record. A clean driving record can help lower your car insurance premiums. The 4.3% of Mississippi drivers with a recent speeding ticket, 3.4% with an at-fault accident, and 0.65% who have a conviction for driving under the influence (DUI), according to Insurify data, might see their premiums go up.

• Increase your deductible. Consider opting for a higher deductible on your collision and comprehensive coverage. Just make sure you can afford to pay the deductible if you need to file a claim. 

• Ask about car insurance discounts. See which discounts you’re eligible for from different insurance companies. For example, Mississippi drivers 55 years and older who complete a defensive driving course can qualify for a discount. If you plan to purchase homeowners coverage in addition to auto insurance, ask about bundling discounts. 

• Check out the Mississippi Automobile Insurance Plan (MAIP). If you’re a high-risk driver and struggling to find coverage through standard insurance companies, you might be able to get a policy through the MAIP.

• Compare quotes from multiple companies. Shopping around every six months to compare quotes from multiple Mississippi car insurers is a fast and easy way to find the best rates on liability coverage.

Liability car insurance in Mississippi FAQs