If you have insurance but can't prove it when you're stopped or are at the scene of an accident, you're guilty of an “administrative offense,” similar to a fine for a seatbelt. Both the other driver and their insurance company can sue you and garnish your future wages and savings to pay for damages. Different areas represent more or less risk depending on factors such as crime rate, traffic, car thefts and population density. Buying Mississippi minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement.
Experts recommend that drivers purchase full-coverage insurance with liability limits as high as they can afford to protect against unexpected events. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. While an auto insurance policy is the most convenient way to comply with the Mississippi Motor Vehicle Safety Liability Act, you can also prove your financial responsibility by placing a bond or making a cash deposit equal to the minimum requirements.
Mississippi car insurance quotes vary greatly depending on a variety of factors, including the type of coverage you choose, coverage limits, your address, and personal factors. If you're new to the state looking for auto insurance coverage, or if you've lived in Mississippi for years and want to know how much car insurance costs in Mississippi, you can find the information you need here. Driving without insurance doesn't completely deny the other driver's fault, but you'll almost certainly be penalized and you won't be able to recover everything you would be entitled to if you had insurance. We collect thousands of zip code rates across Mississippi from the largest insurance companies.
Having an accident usually increases your insurance rates, especially if you're a younger driver who's still developing your driving skills. We recommend full coverage insurance if the value of your car is higher than the cost of adding full coverage to an annual policy. The default result averages are based on monthly insurance for a 30-year-old male driver, based on the minimum liability coverage required by the state. While generally less expensive than a full coverage plan, liability insurance does not protect against an accident or theft of the insured vehicle.