States
Mississippi minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Mississippi minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Mississippi's insurance department gives the price plainly. The initial penalty for failing to maintain an insurance card is $1,000, with suspension of driving privileges for one year or until the owner shows proof of insurance. That wording matters: proof can end the suspension sooner than a year. The department also says an officer cannot stop you only to check for a card, yet can ask for proof during a stop for another statutory violation. The limits of $25,000 per person, $50,000 per accident and $25,000 for property date from January 1, 2006, according to the same page, which also lists other ways of meeting the requirement. On uninsured drivers, the department notes that you may not be able to collect from someone without cover, and that uninsured and underinsured motorist protection lets you claim through your own insurer. It presents that as something you purchase, and we report it the same way.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Mississippi
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Mississippi.
What else we read for Mississippi
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Initial penalty of $1,000 and suspension of driving privileges for one year or until proof of insurance is shown. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.