Mississippi has more uninsured drivers than any other state, according to the Insurance Research Council, with 28 percent of its motorists going without coverage.
If you are one of the 72 percent of Mississippi drivers who carry the required liability insurance, you should also consider uninsured/underinsured motorist bodily injury coverage (UMBI/UIM) as part of your policy. Your insurance company is required to offer it to you, but you can reject it. We don't think you should, especially if you do not have health insurance of your own.
Your insurance company also must offer you uninsured motorist property damage, but you can reject it.
We think collision coverage is a better buy than uninsured motorist property damage because it covers your car no matter who is at fault for the damage. It's more expensive but probably worth the cost for a car you can't afford to replace.
You shouldn't skip comprehensive coverage. Mississippi is especially susceptible to floods, tornados and hurricanes, and only comprehensive coverage will pay for the damage they inflict.
Insurance not needed for registration: Proof of auto insurance isn't required when registering a vehicle, but Mississippi's compulsory auto liability insurance law does require an insurance card showing required coverages are in place to be in the vehicle at all times.
Alternatives to insurance: Instead of a obtaining a car insurance policy, you legally satisfy Mississippi law by posting a bond, or making a cash or security deposit in an amount equal to the minimum insurance requirements.
Safety inspections: Mississippi is one of the few states still requiring an annual safety inspection. An inspection and windshield sticker costs $5.