Mississippi Auto Insurance

Mississippi Auto Insurance

Auto Insurance, Now in 34 states!

Mississippi Auto Insurance

All About Full Coverage Insurance In Mississippi

Auto Insurance, Now in 34 states!

Mississippi Auto Insurance

All About Full Coverage Insurance In Mississippi

By Alexis Karapiperis | CSR at Learnandserve.org | Powered by A Plus Insurance

Full Coverage Mississippi auto insurance

Full Coverage is an amazing option to have when it comes to having Mississippi auto insurance!

Do not be confused by the term “full”, this does not mean you need to have all additional coverages added on to your policy.

Having full coverage simply means having Comprehensive and Collision coverage added on to your current Mississippi auto insurance policy!

ComprehensiveWill help cover the cost on any damage that occurred to your vehicle when parked or from an external source such as a deer, tree, fire, flood, or even theft.
Your deductible will need to be paid first before this coverage will kick in.
CollisionWill help cover the cost when your vehicle is damaged from a car accident.
Your deductible will need to be paid first before this coverage will kick in.

With both of these coverages added onto you Mississippi auto insurance policy, you will be considered having a Full Coverage insurance policy.

This means that in the event of an accident, whether you are responsible or not, your vehicle will be covered and not all costs will be taken from out of pocket.

However, in order for these coverages to kick into action, you will need to pay what is called a “Deductible” first.

Deductibles can help to lower your auto premium if you set it at a higher amount, such as $1,000 versus having it set at $500.

When increasing your deductible, the insurance carrier will then view you as taking on more financial responsibility, thus, lowering your auto premium.

Should I Get Full Coverage In Mississippi Calculator

Not everyone will need to have full coverage added to their Mississippi auto insurance policy. Many factors will play into whether the individual and vehicle should have it.

Factors can include the age of the vehicle, vehicle’s current value, and how much you may be willing to pay for the premium.

This calculator should help for estimating whether you should look into getting full coverage.

If you are still unsure, you are always more than welcome to speak to one of our A Plus Expert Agents to help you on if having full coverage is necessary!

Mississippi Auto Insurance and The Carriers

The chart below will show a list of carriers and their average price for full coverage Mississippi auto insurance.

Keep in mind that these prices are subject to change due to other factors.

Factors can include: previous driving history, credit score, age, etc.

When speaking with our agents, they will go over all the factors that will go into the cost for full coverage Mississippi auto insurance.

*Not All Carriers will be Available in Mississippi for Full Coverage.*

Bristol West$143
American Family$145
National General$149
Mendota Ins. Company$150
Progressive Insurance$159
21st Century$163
The General$169
State Farm$172
Acceptance RTR$177
* With Full Coverage Added On*

Mississippi Car Insurance Requirements

In Mississippi the requirements are 25/50/25.

This means:

$25,000 Bodily InjuryThis is the minimum amount to have if there is only one individual involved in a car accident you caused.
$50,000 Bodily InjuryThis is the minimum amount to have if more than one individual is involved in an accident you are found guilty of causing.
$25,000 Property DamageThis is the minimum amount for any damaged property that resulted in an accident you are responsible for.
*Minimum Requirement*

Remember, this is only the minimum required amount for Mississippi auto insurance. In most circumstances, an accident will be of greater value than the minimum amount.

Any additional costs after the minimum amount has been met will need to be paid out of pocket.

If you are only interested in liability for your Mississippi auto insurance then below will be a chart showing the average cost per carrier for liability only:

*Not all Carriers Will be Available for Liability Insurance in Mississippi*

The General$81
National General$98
Bristol West$102
Mendota Ins. Company$107
Liberty Mutual$110
State Farm$113
Progressive Insurance$114
American Family$116
Assurance America$117
21st Century$140
*Liability Only*

Once again, the prices above are subject to change due to various factors including: driving record, credit score, age, location, etc.

When speaking with an agent, they will go over all the factors that will play a role into decreasing or slightly increasing the premium cost.

However, when having only liability Mississippi auto insurance, you will not be protected in the case of an accident you were found responsible of.

Any additional costs from the accident that have exceeded the amount you have on your policy will need to be paid at your expense. Having only liability will not cover any costs for you or your vehicle when found guilty in the car accident.

This is why it is better to have a higher limit on your liability insurance, along with additional coverages, such as full coverage.

How Much Does Car Insurance Cost in Mississippi?

Depending on all the factors you add on to your Mississippi auto insurance, will determine the overall price range of your premium.

Constant factors, such as where you live, type of vehicle, age of vehicle, driving record, liability limit (unless increased), etc; should typically remain the same on a policy unless needed to change. This will give you an idea of the average cost to pay for the Mississippi auto insurance.

Additional factors that you can add onto your auto insurance policy can include more coverages. Although having more coverages keeps you more safe, you will also have to pay in addition to the coverages you add.

An A Plus agent would be more than glad to help you on a quote and give you and idea for the premium cost with or without additional coverages.

Consequences of Having No Mississippi Auto Insurance:

Mississippi Court
Mississippi Supreme Court

Driving with no insurance unfortunately is not uncommon.

However, this does not mean that you should avoid having insurance just because you have not been “caught.”

In fact, once you are caught violating the Mississippi Code for Motor Vehicle Safety and Responsibility (M.C.M.V.S.R.), then you can expect some intense charges, even if it it your first time being caught.

Charges can include the following:

  • $500 fine
  • Driving Suspension for up to a year, but can last until you get mandatory Mississippi Auto Insurance
  • Charged with a Misdemeanor
  • Having SR22 insurance added to the policy for 3 years consecutive

Remember, auto insurance is set in place to protect the people. Every citizen is required to have insurance when operating a vehicle.

Imagine if you were involved in an auto accident and the other party was at fault, but they have no insurance?

This means it would be up to you to pay for damages they caused to you, on top of filing a claim, which increases the auto premium.

Therefore, if you had the thought of “that is not fair that I have to pay for damages if they caused the accident” then why drive without insurance?

Without proper insurance you only become a risk to others safety, as well as your own safety and future.

To keep it simple, either get insured or do not drive until you are!

Mississippi Auto Insurance Quotes

If you are interested for some Mississippi auto insurance quotes, then you have come to the right page!

Our expert agents are readily available to help you out in getting a free quote!

Over at A Plus Insurance, we keep things simple by assisting you over the phone by call with speaking to a live agent, or by texting with one of our knowledgeable agents.

We work with you and shop through 9 different insurance carriers such as Progressive, Dairyland, etc. to help find the best Mississippi auto insurance plan for you!

Other Questions About Mississippi Insurance

Frequently Asked Questions: About Mississippi Auto Insurance

What is the minimum amount for Mississippi liability insurance?

The Minimum required amount for Mississippi liability insurance is 25/50/25. Although, we suggest to increase the amount, due to most accidents being a higher expense than this.

Is full coverage required in Mississippi?

Full coverage is not mandatory to have in the State of Mississippi. The only time full coverage is required is when you finance a vehicle and the financing company requests it on the policy.

Is Mississippi a “No-Fault State”?

Mississippi is considered an “At-Fault State.” This indicates that when an individual is involved in a car accident in which the other party was found responsible in causing, then the individual is able to request a full insurance compensation from the other party or from their insurance carrier.


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