Trucking insurance in Mississippi
Drivers carrying trucking insurance Mississippi begin with state minimums of $25,000/$50,000/$25,000 under auto law.
Monthly cost, national figures
$665 to $1,165 a month for an established hotshot with a clean record (Trucking Insurance Services)
$1,000 to $1,800 in the first two years of a new MC number (Trucker Path Insurance)
What moves the priceBroker ask
$1,000,000 of auto liability and $100,000 of cargo cover, more than the law asks
Broker limits tableOwn MC number
The OP-1 application costs $300, you name a BOC-3 process agent, UCR starts at $55 a year, and your insurer files the BMC-91X within 20 days of FMCSA Register publication.
New authority checklistThe required level becomes at least $750,000 once freight crosses state lines in a vehicle rated at 10,001 lbs or more. Your commercial tags and fuel tax accounts also stay tied to an active safety record with state agencies. Choosing the right coverage limits and getting your filings accepted is easier when you talk with an insurance agent who handles commercial trucks.
Mississippi intrastate trucking insurance requirements
Under state law, auto liability must cover at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 per accident for damage to property. The Mississippi Insurance Department sets this floor at 25/50/25, and it may fall short. Enforcing this compulsory liability law falls to the Department of Public Safety, Safety Responsibility Division.
Even on intrastate loads, freight brokers won't accept only 25/50/25. Brokers such as C.H. Robinson want carriers to carry $1,000,000 in auto liability plus $100,000 in cargo liability. An insurance agent who handles trucks helps you choose limits brokers will accept.
What are the penalties for driving without Mississippi trucking insurance?
Not keeping an insurance card means an initial $1,000 fine plus losing your driving privileges for 1 year. Mississippi has treated driving without insurance as a criminal offense, not a civil violation, since 2018. Under the Mississippi Vehicle Insurance Verification System, a 1st offense costs $300, a 2nd offense $400, and a 3rd or later offense $500.
Your truck gets parked and your income stops during a 1-year suspension. A trucking insurance agent helps you track renewal dates and avoid a coverage lapse.
Mississippi truck permits, tags, and taxes
You file quarterly fuel tax reports and manage multi-state tags online via the Mississippi Department of Revenue Taxpayer Access Point, or TAP. For commercial vehicles traveling across state lines, IRP serves as the registration system, although Mississippi's Notice of Intent to Register Vehicle for IRP form doesn't apply to buses or straight trucks. With the state using FMCSA's PRISM program, your carrier safety record is tied directly to your IRP registration.
IFTA has you file your quarterly fuel tax report via TAP, listing Mississippi as your base jurisdiction and covering every jurisdiction you travel. IFTA is an agreement allowing you to report fuel taxes for multiple states on 1 quarterly return. Highway permits for commercial motor carriers go through the Mississippi Department of Transportation and its Office of Permit Motor Carrier, while an agent who handles trucks can keep your insurance paperwork in order as you open these accounts.
- Register with a USDOT number plus a Taxpayer Identification Number for IRP.
- When leasing to another carrier, the motor carrier responsible for safety must have its USDOT number and Taxpayer Identification Number provided.
- Each USDOT number on your Mississippi IRP account needs an MCS-150 form updated within the past 1 year.
Federal limits and filings for Mississippi commercial truck insurance
If you haul property for hire across state lines, liability minimums are set by truck weight and cargo under Federal Motor Carrier Safety Administration rules. Form BMC-91, BMC-91X, or a BMC-82 bond must be filed by your insurer to prove liability coverage. Your federal operating authority is activated by Form BMC-91X, an electronic insurance filing.
We often see new authorities held up because the right form wasn't filed by a general auto agent. (Even if your federal heavy-freight minimum is $750,000, most brokers still want $1,000,000.) Talking with an agent who handles commercial truck insurance helps you file the BMC-91X correctly the 1st time.
| Carrier operation and cargo | Minimum federal liability |
|---|---|
| Property carrier for hire with only vehicles under 10,001 lbs in its fleet | $300,000 |
| For-hire carrier of non-hazardous property whose vehicle is rated 10,001 lbs or more | $750,000 |
| Oil, hazardous waste or placarded hazmat, hauled for hire | $1,000,000 |
| Private or for-hire carrier of hazardous substances in bulk tanks, explosives, poison gas, or radioactive materials | $5,000,000 |
Questions people ask
If I get pulled over in Mississippi, can I show proof of insurance on my phone?
Yes, your Mississippi insurance card may be shown on paper or electronically, including as a cell phone image. A paper copy and a saved phone image kept in your cab help you avoid any penalties at a roadside stop.
Are commercial trucks tracked by the state electronic insurance verification system?
No. Mississippi's electronic verification program for vehicle insurance leaves out large trucks, semi-trailers, trailers, commercial vehicles, and fleet vehicles. Since the automated state system won't verify your truck, officers check the card you carry in the cab for proof of insurance.
Am I able to post a deposit rather than buy a state auto liability policy in Mississippi?
Instead of an insurance policy, state law lets you satisfy the 25/50/25 minimum requirement by posting cash or a security deposit matching those minimum amounts. Federal filings and freight brokers won't accept that deposit, so for-hire truckers still buy commercial coverage through an insurance agent.
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Insuring a truck in Mississippi
A trucking agent who places policies in Mississippi can quote it by phone, or you can send your details.