Sources & citations
Mississippi auto
-
28%
Uninsured drivers in Mississippi
The Insurance Research Council's uninsured motorist studies have consistently placed Mississippi among the highest uninsured rates in the nation, in the range of roughly one in four drivers.
insurance-research.org -
25/50/25
Minimum liability limits
Mississippi requires bodily injury liability of $25,000 per person and $50,000 per accident, plus $25,000 in property damage liability, for cars and motorcycles alike.
Mississippi Insurance Department · mid.ms.gov -
$2,300
Average yearly cost of full coverage
Approximate statewide average drawn from published industry rate surveys in 2026. Individual rates vary widely by ZIP code, vehicle, and driving record.
Industry rate surveys, 2026. -
At-fault
Mississippi is an at-fault state
Mississippi follows a traditional tort (at-fault) system: the driver who causes an accident is responsible for the resulting damage.
Mississippi Insurance Department · mid.ms.gov -
All riders
Universal helmet law
Mississippi Code § 63-7-64 requires helmets for all motorcycle operators and passengers, regardless of age.
Mississippi Code § 63-7-64.
Tennessee auto
-
21%
Uninsured drivers in Tennessee
The Insurance Research Council's 2017–2023 uninsured motorist study measured Tennessee at 21.3% uninsured as of 2023, the fifth highest rate in the nation.
insurance-research.org -
25/50/25
Minimum liability limits
Tennessee's Financial Responsibility Law requires bodily injury liability of $25,000 per person and $50,000 per accident, plus $25,000 in property damage liability, for cars and motorcycles alike.
Tennessee Department of Revenue · tn.gov/revenue -
At-fault
Tennessee is an at-fault state
Tennessee follows a modified comparative fault system: the driver who causes an accident is responsible for the damage, and a driver found 50% or more at fault recovers nothing.
Tenn. Code § 29-11-103; McIntyre v. Balentine (Tenn. 1992). -
All riders
Universal helmet law
Tennessee Code § 55-9-302 requires crash helmets for all motorcycle operators and passengers, regardless of age.
Tenn. Code § 55-9-302.
Arkansas auto
-
19%
Uninsured drivers in Arkansas
The Insurance Research Council's uninsured motorist studies place Arkansas at roughly 19% uninsured, among the higher rates in the nation.
insurance-research.org -
25/50/25
Minimum liability limits
Arkansas requires bodily injury liability of $25,000 per person and $50,000 per accident, plus $25,000 in property damage liability.
Arkansas Insurance Department · insurance.arkansas.gov
Home & property
-
1 in 4
Flood odds in high-risk zones
FEMA estimates homes in high-risk flood zones have at least a 25% chance of flooding over the life of a 30-year mortgage.
FEMA · floodsmart.gov -
5×
Flood vs. fire likelihood
FEMA materials estimate that flooding is around five times more likely than fire for homes in moderate- and low-risk areas over a 30-year period.
FEMA · floodsmart.gov -
Excluded
Flood and earthquake are not in standard home policies
Standard homeowners and renters policies exclude flood and earthquake damage nationwide; both require separate coverage.
Insurance Information Institute · iii.org -
~$20/mo
Typical renters insurance cost
The Insurance Information Institute has reported national average renters premiums equating to roughly $15–$20 per month.
Insurance Information Institute · iii.org -
Not req.
Boat insurance is not required in Mississippi
Mississippi law does not require insurance for recreational boats; lenders and marinas commonly require it as a condition of financing or slip rental.
MS Dept. of Wildlife, Fisheries & Parks · mdwfp.com
Umbrella
-
13%
Personal injury settlements reaching $1M
Industry data published by Trusted Choice places roughly 13% of personal injury liability awards and settlements at $1 million or more.
trustedchoice.com -
$200
Typical annual cost of $1M umbrella
Consumer finance guides report $1 million personal umbrella policies typically starting around $200 per year, with each additional million adding roughly $75.
nerdwallet.com
A note on method.
Statistics on this site are drawn from public sources and rounded for readability. They're provided for general education, not as a promise about any specific policy or rate. Insurance products are offered through GEICO and affiliated underwriters and are subject to eligibility and underwriting. When a figure ages out or a source updates, we update the page.