If I own a car, do I have to buy automobile insurance in Mississippi?
In Mississippi, if you operate a vehicle, if you own a vehicle, in order to operate it, you have to purchase the minimum liability coverage. So, the answer is yes. $25,000 is the minimum coverage. Often times, that’s not going to be nearly enough to cover people for the injuries they suffer.
What I always advise people to do is to obtain the maximum insurance coverage that you could possibly afford, because that will protect you. If you don’t have enough insurance coverage and you hurt someone, they can come after you personally, over and above the insurance coverage.