Is Mississippi a no-fault state?
No. Mississippi is an at-fault state. The driver who caused the crash is responsible for the damage, and their liability insurance pays only up to its limits.
Last checked November 9, 2026 · Official sources (4)
How does Mississippi car insurance work?
“Remember, if you are at fault in an accident, liability coverage will only pay up to your limits of insurance. You will be responsible for any damages over that amount.”
Mississippi Insurance Department
What is Mississippi's minimum car insurance?
| Coverage | What Mississippi requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured motorist coverage must be included in your policy unless a named insured rejects it in writing. |
Other at-fault states
Questions
How much insurance does Mississippi require?
At least $25,000 per person and $50,000 per crash for injuries, and $25,000 for property damage.
What if you were partly at fault in Mississippi?
Being partly at fault does not stop you from recovering; your money is cut by your share of the blame.
Hurt in a crash in Mississippi? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Mississippi Insurance Department, checked 2026-11-09. “Remember, if you are at fault in an accident, liability coverage will only pay up to your limits of insurance. You will be responsible for any damages over that amount.”
- Mississippi Insurance Department, checked 2026-11-09. “the minimum liability requirements increased to the following: $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage.”
- Mississippi Code § 83-11-101 (via Justia), checked 2026-11-09. “The coverage herein required shall not be applicable where any insured named in the policy shall reject the coverage in writing”
- Mississippi Code § 11-7-15 (via Justia), checked 2026-11-09. “may have been guilty of contributory negligence shall not bar a recovery, but damages shall be diminished by the jury in proportion to the amount of negligence attributable to the person injured”