Drivers in the state of Mississippi are required by law to have car insurance. However, you don’t need car insurance to register your vehicle or apply for a Mississippi driver’s license.
Is it mandatory to have car insurance in the state of Mississippi?
Ronnie Musgrove signed House Bill 621, establishing a compulsory automobile liability insurance system for Mississippi. Beginning January 1, 2001, Mississippi law requires that all drivers maintain liability insurance and carry a card in their vehicles at all times showing that you have liability insurance.
What is the minimum amount of liability insurance required in Mississippi?
Minimum insurance requirements for Mississippi
The minimum amount of Mississippi auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident.
Is Mississippi a no fault auto insurance state?
No, Mississippi is not a no-fault state. Mississippi is an at-fault (or “tort”) state. That means the driver who causes an accident uses their insurance to pay for the other driver’s bills from the collision. … For example, if you’re 99% at fault, you can get 1% from the other driver.
Does insurance follow the car or the driver in Mississippi?
Car insurance usually follows the car in Mississippi. The types of car insurance that follow the car in Mississippi are bodily injury liability, personal injury liability, collision, and comprehensive. You’re required to carry bodily injury liability and property damage liability in Mississippi.
How much is a no insurance ticket in Mississippi?
Mississippi Penalties for Driving without Car Insurance
If you are caught driving without insurance in Mississippi, you may be fined $1,000 and face suspension of your driver’s license and vehicle registration for (1) up to one year or (2) until you can show proof of financial responsibility.
How long do you have to get insurance after buying a used car in Mississippi?
The Mississippi new-car insurance grace period is 2 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.
What two types of insurance do you need for MS law?
Beginning January 1, 2001, Mississippi law requires that all drivers maintain liability insurance and carry a card in their vehicles at all times showing that you have liability insurance.
How do insurance companies determine how much you should pay for your insurance coverage?
The car you drive – The cost of your car is a major factor in the cost to insure it. Other variables include the likelihood of theft, the cost of repairs, its engine size and the overall safety record of the car. Automobiles with high quality safety equipment might qualify for premium discounts.
What is the average cost of auto insurance in Mississippi?
The average auto insurance price in Mississippi is $1,800 annually — 26.1% more than the US average. But car insurance prices are dictated by factors aside from state lines. Car insurance rates incorporate a number of factors, including the insured party’s age, gender, marital status, credit, and driving history.
Who has the cheapest car insurance in Mississippi?
Cheapest Car Insurance in Mississippi
|1||Geico||$558 per year|
|2||Direct Auto||$684 per year|
|3||USAA||$724 per year|
|4||Mississippi Farm Bureau||$740 per year|
How long does an accident stay on your record in MS?
The short answer is that the accident or ticket will stay on your record for three years, but the exact punishments you receive for your traffic violation depend on several factors, including: Your insurance company. How long you have been with your provider.
What states have no car insurance?
Virginia and New Hampshire are the two states with unique car insurance laws. There are only two states where car insurance is not mandatory: Virginia and New Hampshire. This is because each state sets its own limits and requirements for the minimums of car insurance a driver must carry when they have coverage.
Can you talk on your cell phone while driving in Mississippi?
Do not make or answer cell phone calls, even with hands-free and voice recognition devices. If you must make an emergency call, leave the road and park in a safe area. … Enjoy phone-free driving; focus on the road.
What are the four things you must do if you have a traffic crash or collision?
The following is a list of the top ten things you should do if you are in an automobile accident:
- STOP. Never drive away from the scene of an accident, even a minor one.
- PROTECT THE SCENE. …
- CALL THE POLICE. …
- MAKE AN ACCURATE RECORD. …
- TAKE PICTURES. …
- EXCHANGE INFORMATION. …
- REPORT THE ACCIDENT. …
- SEEK MEDICAL ATTENTION.
Can you get insurance without a license in Mississippi?
To purchase a non-owner car insurance policy, you’ll have to speak with an agent on the phone or in person. Not all insurance companies offer non-owner policies, and those that do have them don’t give online quotes. To purchase a non-owner policy, you’ll need your driver’s license number and a credit or debit card.