Mississippi Motorcycle Insurance

Find the Best Motorcycle Insurance Options in Mississippi

There are 51,458 registered motorcycles in the state of Mississippi. However, only about 1% of all motorcyclists file motorcycle insurance claims for accidents, which is about 515 per year in Mississippi. Still, having the right Mississippi motorcycle insurance is critical for protecting against potential losses due to accident claims, vehicle theft, and more. However, having only Mississippi's minimum required amount of motorcycle insurance coverage may not be enough to fully protect you in case of an accident or other disaster.

Fortunately, a Mississippi independent insurance agent can help you get all the motorcycle insurance you need. They'll get you matched to the right policy fast. But first, here's a breakdown of motorcycle insurance in Mississippi.

Best Motorcycle Insurance Companies in Mississippi

You can find motorcycle insurance in Mississippi sold by many insurance companies. However, not all carriers offer the same rates, coverage limits, discounts, and other benefits. That's why we've compiled a list of just a few of Mississippi's best motorcycle insurance companies for your convenience. When you're ready to find coverage, start by looking into these top-rated carriers.

• Progressive: Motorcycle insurance from Progressive costs an average of just $638 per year, or about $53 per month. Not only does the carrier offer cheap motorcycle insurance premium rates compared to many others in Mississippi, but it also offers a generous variety of discounts, including responsible driver discounts and motorcycle endorsement discounts. Progressive also offers full replacement cost coverage without factoring in deprecation for a motorcycle's parts, another huge perk. 
• USAA: Motorcycle insurance from USAA is available to military members, veterans, and their families. USAA partners with Progressive to offer quality coverage and excellent rates. One of the perks of going through USAA is the additional 5% discount applied on top of Progressive's rates and other discounts. This means you could get a Mississippi motorcycle insurance policy for an average of only $606 per year or about $50.50 per month. 
• Allstate: Motorcycle insurance from Allstate costs about $792 per year or about $66 per month, which is still a bit cheaper than many other carriers in Mississippi. One major perk of Allstate's motorcycle insurance is the rental reimbursement coverage, which is ideal for riders who use their motorcycle as their everyday or primary vehicle. Additionally, Allstate offers higher limits on equipment coverage and lease/loan gap coverage as extra perks of their motorcycle insurance in Mississippi.

Is Motorcycle Insurance Required in Mississippi?

Mississippi requires all motorcyclists to wear approved helmets and carry minimum liability insurance. The following are the minimum coverage limits:

• $25,000 of bodily injury liability coverage per accident for one person
• $50,000 of bodily injury liability coverage per accident for more than one person
• $25,000 of property damage liability coverage per accident 

Although these amounts are legally required, most insurance professionals recommend carrying higher limits to more fully protect you against liability risks. An independent insurance agent can help determine the right coverage amounts for you based on your situation.

What Does Mississippi Motorcycle Insurance Cover?

Motorcycle insurance is similar to auto insurance in the type of coverage available to protect you from risks and financial challenges. Your Mississippi motorcycle insurance policy will provide a range of protection, including:

• Bodily injury liability: Covers you if you're responsible for an accident that physically harms another person.
• Property damage liability: Covers you if you're responsible for an accident that damages another person's property, such as a vehicle or fence.

Optional Motorcycle Insurance Coverages in Mississippi

Having just Mississippi's minimum state-required motorcycle insurance coverages may not provide enough financial protection for you or your motorcycle. Look into all motorcycle insurance coverage options before completing your policy to ensure you get all the protection you need. You may choose to add coverage to protect you against uninsured drivers or coverage for custom equipment. Ask your Mississippi independent insurance agent about the following optional types of motorcycle insurance to add to your policy:

• Collision coverage: Pays for damage to your bike from a collision with another driver, regardless of fault.
• Comprehensive coverage: Pays for damage to your bike due to a non-collision event such as a flood or theft. 
• Uninsured/underinsured motorist coverage: Protects you if you're involved in an accident caused by someone who doesn't have any insurance or enough coverage to pay for your damage.
• Gap coverage: Motorcycle gap insurance covers the difference between what's owed on a motorcycle loan or lease and the current value of the vehicle after an accident or theft.
• Custom equipment coverage: Covers the parts and equipment on your motorcycle that are considered aftermarket, or not installed by the manufacturer. 
• OEM endorsement: An original equipment manufacturer (OEM) endorsement provides new parts from the original manufacturer for your motorcycle when it needs repairs.
• Carried contents coverage: Covers personal property on your motorcycle, like camping gear or cell phones, if it gets damaged by a covered cause.
• Medical payments coverage: Covers the costs of injuries to you and your passengers after an accident.

Your Mississippi independent insurance agent will help you complete your motorcycle insurance policy with each type of coverage you desire.

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How Much Does Motorcycle Insurance Cost in Mississippi?

The average cost of motorcycle insurance in Mississippi is about $530 annually or $44 monthly. Mississippi motorcycle insurance premiums are about 31% higher than the national average rate of $364 per year. But the cost of motorcycle insurance in MS isn't standard for all riders. The price of your MS motorcycle insurance coverage will be based on many factors, such as your bike's value and your motorcycle driving experience. Some additional factors that will affect the cost of your policy include:

• Location: Where do you live? Where do you ride? High-crime areas and high-population areas are more risky than rural and low-population areas.
• Frequency: How much do you ride? The more you ride, the higher your chances of having an accident, although you may qualify for lower rates if you are a weekender or seasonal rider.
• Motorcycle type: What kind of motorcycle do you have? Sports bikes, dirt bikes, choppers, cruisers, touring bikes, and other models all have different values and risk profiles.
• Customizations: Have you customized your bike? Certain accessories or add-ons like custom frames can add value or risk to your motorcycle. Added value or risk can increase your insurance costs.
• Age: How old are you? Most insurance companies have detailed risk assessments for different age groups and price their policies accordingly.

Many factors must be considered, but a knowledgeable independent insurance agent can help. These agents can help you compare several Mississippi motorcycle insurance quotes and find an affordable policy based on your specific needs and budget.

Mississippi Motorcycle Insurance Cost by City

Motorcycle insurance rates can vary depending on the specific city where you live in Mississippi. Factors like local crime rates and the area's risk of storms can factor into the cost of local motorcycle insurance. Here are some average motorcycle insurance rates for some of Mississippi's major cities.

Mississippi Motorcycle Insurance Discounts 

Motorcycle owners in Mississippi can save on motorcycle insurance by applying various discounts to their policies. An independent insurance agent in Mississippi can automatically help you find any discounts you qualify for on your coverage to help reduce the price of your premiums. Though the motorcycle insurance discounts offered vary by carrier, you can expect to find many of these standard discounts from a number of local motorcycle insurance companies in Mississippi.

• Safety course discounts: Applied to coverage after the driver completes a certified motorcycle safety course.
• Membership discounts: Applied to coverage if the driver is a member of a qualifying organization or riding association.
• Homeowner discounts: Applied to coverage if the driver is also a homeowner.
• Paid-in-full discounts: Applied to coverage if the driver pays their annual motorcycle insurance premium in full each year.
• Bundling discounts: Applied to coverage if the driver bundles their motorcycle insurance with other policies they have through the same carrier, like car insurance, home insurance, or renters insurance.

Ask your independent insurance agent in Mississippi about all the motorcycle insurance discounts you may qualify for.

How to Get a Mississippi Motorcycle Insurance Quote

Before you take to the road on your next adventure, get Mississippi motorcycle insurance quotes from an experienced independent insurance agent. Your agent knows the ins and outs of all the available motorcycle coverage options.

Contact a local independent insurance agent today for help with your Mississippi motorcycle insurance. Your agent can compare insurance companies and policies to find you the policy that fits your needs.

Mississippi Motorcycle Insurance FAQs