Mississippi Car Insurance for Drivers
Whether you’re visiting the battlefield at Vicksburg National Military Park, checking out Elvis Presley’s Birthplace & Museum in Tupelo or overlooking the Gulf of Mexico from Front Beach, experienced Mississippi drivers like you can get the protection you need with the
AARP® Auto Insurance Program from The Hartford.
1 We’ve been protecting Mississippi AARP members and their families since 1984. As one of the top insurers in Mississippi, we’ve earned a reputation as a car insurance company you can trust with high customer ratings for claims services.
You can count on The Hartford to be there when you need us most. If you’re looking for a
car insurance quote or just need information about buying car insurance in the state of Mississippi, you’ve come to the right place. We’ll help you get the required minimum amounts of bodily injury and property damage liability coverage, and we’ll discuss your other needs to be sure you have full coverage.
Required Mississippi Car Insurance Coverages
Mississippi auto insurance law requires a state minimum of property damage and bodily injury liability coverage. Minimum coverage amounts for liability insurance in Mississippi2 are:
Mississippi Uninsured Driver Facts
According to a 2019 Insurance Research Council report, 29.4% of Mississippi drivers are uninsured. This is significantly above the national average of 12.6%.
3 In fact, Mississippi had the highest estimated percentage of uninsured motorists of any state in 2019.
The state of Mississippi does not require drivers to carry uninsured/underinsured motorist coverage. But, it’s still smart to have. The Hartford offers this coverage to help protect you from financial loss and help maintain your financial strength if you’re involved in an accident with uninsured motorists.
Additional Mississippi Car Insurance Coverages Available to Drivers
For added protection, Mississippi drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
- Auto Glass coverage, which helps pay the cost to repair damage to your windshield or glass.
- Roadside Assistance that can help you if you’re stranded with a flat tire, dead battery or other car issues. We’ll even tow your vehicle to a repair shop. RESCUE 1-800® is available 24/7 every day of the year and you can reach them easily by calling 800-322-7789.
- Rental Car Reimbursement coverage, which helps you with the cost to rent a car if you’re in an accident and your car is not drivable.
Mississippi Auto Insurance Benefits Offered to Drivers
Mississippi drivers could receive valuable
car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
- Disappearing Deductible‡
- New Car Replacement§§
- Accident Forgiveness‡
- 24/7 Claim Service
Common Questions About Mississippi Car Insurance
Is Mississippi an At-Fault State?
Yes, Mississippi is an at-fault state. This means that the person who is deemed at-fault for the accident is the one responsible for paying the other driver’s costs, like medical bills and property damage. Because of this, it’s very important that you have the right coverage so you don’t have to pay out of pocket if you’re responsible for an accident.
How Long Does an Accident Stay on Your Driving Record in Mississippi?
If you get into an accident, it goes on your driving record with your state’s Department of Motor Vehicles (DMV). Generally, accidents stay on your driving record for about five years before you are considered to have a clean driving record.
Does Car Insurance in Mississippi Cover Theft?
How Much Is Car Insurance in Mississippi?
According to the Insurance Information Institute (III), the average auto insurance rates in Mississippi in 2018 were about $971 per year.4 Car insurance rates vary by state law and depend on several factors, including:
- How much coverage you need
- What kinds of cars you need to insure
- Driving records of those who will be on your policy
When comparing insurance quotes, it’s not always best to go with cheap car insurance. You want to be sure you’re getting the right coverage for your needs.
To find out more, call our representatives at
888-413-8970. They can help answer any questions you have about costs and types of car insurance. You can also get a
car insurance quote online.
2 Mississippi Insurance Department, “Auto Insurance”
3 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
