Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum car insurance coverage that Mississippi law requires. SafeAuto can help you get cheap auto insurance rates that meet Mississippi's state minimum requirements. Get a free auto insurance quote online today!

Required Coverages

Mississippi's Financial Responsibility law requires you to maintain liability limits of at least:

  • $25,000 because of bodily injury to or death of one (1) person in any one (1) accident
  • $50,000 because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit
  • $25,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/25 or 25,000/50,000/25,000

Proof Of Financial Responsibility & Penalties

Under Mississippi law, you must be able to produce documentary proof of Financial Responsibility at the request of a law enforcement officer.

Penalty for Failure to Comply with Mississippi's Financial Responsibility Requirements:

The initial penalty for failing to maintain proof of Financial Responsibility may be up to $500 and include suspension of driving privileges (license and registration) for one (1) year or until the motor vehicle owner shows proof of insurance. If the driver produces proof of Financial Responsibility at the time of the court hearing, the fine may be reduced to $100. To reinstate your license you may be required to file proof of Financial Responsibility with the Department of Public Safety of the State of Mississippi (DPS).

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the state providing proof that you purchased liability insurance. The following circumstances may require a person to file an SR-22:

  • To reinstate a suspended license after the person fails to pay an accident judgment
  • To reinstate a suspended license after the person fails to maintain proof of Financial Responsibility
  • To reinstate a license after a Driving Under the Influence (DUI) conviction

If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the state with at least five (5) days advance notice before termination. SafeAuto will only issue a Mississippi SR-22 to Mississippi residents.

Looking For Mississippi Auto Insurance?

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have. 

Related Links:

Mississippi Driver Services Bureau

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.