There is more to Mississippi than cotton fields as tourists flock to the State for the casino at Tunica, or anyone of the 400 festivals and events that happen each year.  Because of all the traffic on the roads, Mississippi residents need adequate auto insurance. In 2006, Mississippi auto insurance was over the national average but in 2007, the average Mississippi auto insurance policy was just under the national average at $1893.00.  Of course exact rates are subject to the particulars of the individual insured.

Mississippi Auto Insurance Requirements

The state of Mississippi requires their drivers to carry the minimum coverage of 25/50/25 for Bodily Injury insurance and Property Damage.  The breakdown for this insurance is as follows:

• Bodily Injury Liability – An amount of up to $25,000 will be covered by the Mississippi auto insurance company of the driver who was at fault to pay for medical expenses incurred to the passenger in the other vehicle.
• A total of $50,000 will be paid out for more than one insured injured party in the other vehicle.
• Property Damage Liability – The insured is covered for up to $25,000 for damage caused to the other vehicle and for damage caused to public and private property.

The State of Mississippi recommends that their residents carry more than basic coverage so that they will meet the high cost of insurance as they arise.

Mississippi auto insurance should also include Comprehensive and Collision coverage so that in the event that the insured is at fault he or she can have adequate insurance coverage to make repairs on his or her personal vehicle as well.

Comprehensive and Collision will also cover against damage caused weather, fallen tree branches and other natural conditions as well as damage caused by contact with wildlife.

It is also recommended that Mississippi residents carry Uninsured/Underinsured Motorist insurance to safeguard from being hit by a driver who has little or no insurance.  UM insurance also pays for damages incurred by a hit and run driver.