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Mississippi Auto Insurance Laws Mississippi law requires that all drivers maintain liability insurance. The Mississippi minimum liability requirements are 10/20/5, that is: $10,000 per person (limited to a single accident), $20,000 per accident for bodily injury, and $5,000 per accident for property damage. Liability coverage pays for damage you cause to other people and their property. 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. In today’s era of ever-rising medical costs and auto repair bills, the state-mandated minimum requirements of 10/20/5 may not be sufficient. It is a good idea to consider purchasing liability coverage with higher limits.
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