Auto insurance from Blake Sims, your local GEICO agent.
Auto coverage that works the way Mid-South drivers actually drive: highways, backroads, weather, and everything in between.
What auto insurance actually covers:
Six layers of protection. Some required by law. Others are what makes the difference between a fender-bender and a financial event.
- LiabilityRequired in TN, MS & AR
Pays for injury and property damage you cause to others in an at-fault accident. The legal foundation of every auto policy in Tennessee, Mississippi, and Arkansas. - CollisionRecommended
Repairs your own vehicle after an accident, at-fault or not. Required by most lenders if you're financing. - ComprehensiveRecommended
Theft, vandalism, fire, hail, falling limbs, hitting a deer. Everything that isn't another car. - Uninsured / Underinsured MotoristStrongly recommended
Roughly 1 in 4 drivers across the region has no insurance at all. When the other driver can't pay, this is what pays instead. - Medical PaymentsOptional
Helps with medical bills for you and your passengers after an accident, regardless of fault. A small coverage that works hard. - Roadside & RentalOptional
Optional add-ons: 24/7 roadside assistance, rental reimbursement while your car is in the shop. Small premium, big convenience.
Mid-South auto, by the numbers:
Facts about driving in Tennessee, Mississippi, and Arkansas, the kind your policy reflects even when you're not thinking about it. What they mean for your coverage? That's where we come in.
- 28% · Uninsured drivers in MS. Mississippi's uninsured rate is among the highest in the nation. Tennessee sits near 21% and Arkansas near 19%. Uninsured motorist coverage exists for exactly this reason. Source: Insurance Research Council.
- 25/50/25 · Minimum liability limits. $25,000 per person, $50,000 per accident, $25,000 property damage. All three states share the same legal floor. One hospital stay can pass it fast. Source: State insurance departments of TN, MS, and AR.
- At-fault · How claims work here. Tennessee, Mississippi, and Arkansas are all at-fault states: the driver who causes the accident is responsible for the damage. Your liability limits are what stand behind you. Source: State insurance departments of TN, MS, and AR.
- $2,300 · Average full-coverage cost. A typical annual figure for the region. Rates swing widely by state, ZIP code, vehicle, and record. A five-minute quote tells you where you stand. Source: industry rate surveys, 2026.