Car insurance in Mississippi (25/50/25)
- Minimum car insuranceMississippi requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage (in effect since January 1, 2006). PIP is not required, and uninsured/underinsured motorist coverage is optional. Source
- Fault systemMississippi is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other people's injuries and damage. Source
Business insurance rules in Mississippi
- Workers’ compensationEmployers that regularly employ five or more workers must carry workers' compensation or be approved to self-insure; coverage is voluntary below five. Mississippi is not a monopolistic state. Source
- Contractor licensingThe Mississippi State Board of Contractors requires a residential license for new homes over $50,000 and for remodeling or roofing over $10,000, and a commercial certificate for commercial jobs over $50,000. Commercial applicants must show general liability insurance of at least $300,000 per occurrence and $600,000 aggregate; residential licensees must keep liability coverage in force, with no set minimum. Source
Home insurance in Mississippi
- Home insurer of last resortHurricanes are the main risk. In the coastal area wind and hail are written separately, through the Mississippi Windstorm Underwriting Association ('windpool') covering Hancock, Harrison, Jackson, Pearl River, Stone and George counties, and named-storm or hurricane deductibles are governed by state regulation. Source
High-value homes in Mississippi.
Disasters, floods, hail, tornadoes and earthquakes in Mississippi
| Measure | Mississippi | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 46 | #7 (tied) of 51 | Most often for severe storm (30), hurricane (9), flood (2). Holmes County has been in 18 of them. |
| National Flood Insurance Program claims, 2005–2025 | 32,879 | #6 of 51 | $2.9 billion paid; 32% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 33% | #16 of 50 | 28,904 policies for 88,283 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 1,318 | #21 of 51 | 94 of them 2 inches or larger. Largest stone 4.88 inches, Noxubee County, June 2023. |
| Tornadoes, 2016–2025 | 828 | #3 of 51 | 123 rated EF2 or stronger; 2,883 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 0 | — | None of magnitude 4.0 or greater recorded in or near the state. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Mississippi.
Worth knowing in Mississippi
On the Gulf Coast, homeowners often need two policies: one for most perils and a separate wind and hail policy, frequently from the state windpool.
Mississippi’s insurance regulator
Insurance in Mississippi is regulated by the Mississippi Insurance Department, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Mississippi (NPN 21022298), so requests from Mississippi are handled by him directly.
Common questions
What is the minimum car insurance in Mississippi?
Mississippi requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage (in effect since January 1, 2006). PIP is not required, and uninsured/underinsured motorist coverage is optional.
Is Mississippi a no-fault state?
Mississippi is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other people's injuries and damage.
Do employers in Mississippi need workers’ comp?
Employers that regularly employ five or more workers must carry workers' compensation or be approved to self-insure; coverage is voluntary below five. Mississippi is not a monopolistic state.
What can a Mississippi homeowner do if no insurer will write the house?
Hurricanes are the main risk. In the coastal area wind and hail are written separately, through the Mississippi Windstorm Underwriting Association ('windpool') covering Hancock, Harrison, Jackson, Pearl River, Stone and George counties, and named-storm or hurricane deductibles are governed by state regulation.
Sources
- Mississippi: Minimum car insurance
- Mississippi: Fault system
- Mississippi: Workers’ compensation
- Mississippi: Home insurer of last resort
- Mississippi: Contractor licensing
- Mississippi: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.