Mississippi motorcycle insurance

Q: What's the best motorcycle insurance in Mississippi?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Jackson, Gulfport, Southaven, or anywhere else in the Magnolia State, the best motorcycle insurance features reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Mississippi for bikers without eliminating the valuable protection that gives riders the peace of mind they need.

Mississippi offers motorcycle enthusiasts a variety of motorcycle rides through the state's historic sites and quaint Southern towns. Progressive assists bikers throughout Mississippi, offering customized protection and a variety of discounts to help lower the cost of motorcycle insurance in Mississippi. Find out everything you need to know about requirements, coverages, discount opportunities, and cost information in the Magnolia State.

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What are the minimum requirements for motorcycle insurance in Mississippi?

Mississippi motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or damages you cause to others while riding, up to your policy's limits. Liability coverage for property damage, however, doesn't cover your own bike. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamages you cause to others in an accident	Minimum amount$25,000 per accident

Mississippi also mandates uninsured/underinsured motorist bodily injury coverage and uninsured motorist property damage coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, the lender may require that you carry comprehensive motorcycle coverage and collision motorcycle coverage. If you own your bike, these coverages are optional. But we know many motorcycle owners want to protect their investment from physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Mississippi?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Mississippi with liability coverage only was $175.89.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Mississippi?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Jackson, Gulfport, Southaven, or anywhere else in the Magnolia State, the best motorcycle insurance features reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Mississippi for bikers without eliminating the valuable protection that gives riders the peace of mind they need.

You can decrease the cost of motorcycle insurance in Mississippi with motorcycle insurance discounts, such as:

Multi-policy discount
Safe and steady rider discount
Senior driver discount
Safety course discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Mississippi

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Mississippi

Mississippi motorcycle laws require all motorcycle drivers and passengers to wear helmets regardless of age.
If you're new to Mississippi and hold a valid driver's license and motorcycle endorsement from another state, you can bypass the written and riding tests when applying for a Mississippi endorsement.
The Motorcycle Safety Foundation offers safety courses for new and experienced riders throughout Mississippi. Basic courses span a few days or a weekend.