If you drive for Uber or Lyft in Mississippi, you must meet specific insurance requirements that go beyond a standard personal auto policy. These rules are designed to protect passengers, other drivers, and you while operating as a Transportation Network Company (TNC) driver.
This guide explains Mississippi’s legal insurance requirements, how coverage changes during each driving period, and how to remain compliant while driving.
For a complete overview of rideshare coverage in the state, visit our main guide on Rideshare Insurance in Mississippi.
Mississippi Minimum Personal Auto Insurance Requirements
Before driving for any rideshare platform, Mississippi law requires all drivers to carry minimum liability insurance of:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
These limits apply when you are using your vehicle for personal use only. Once you activate the rideshare app, different requirements apply.
Insurance Coverage Periods for Mississippi Rideshare Drivers
Mississippi follows the standard three-period rideshare insurance structure used nationwide.
Period 1 – App On, Waiting for a Ride Request
During this period, you are logged into the app but have not yet accepted a ride.
Minimum required coverage:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
This coverage is typically provided by Uber or Lyft, but your personal insurer may exclude coverage if you do not have a rideshare endorsement.
Period 2 – Ride Accepted, En Route to Passenger
Once you accept a ride request, coverage increases significantly.
- $1,000,000 third-party liability coverage
Platform-provided coverage typically applies during this phase.
Period 3 – Passenger in Vehicle
While transporting a passenger, the same $1,000,000 liability coverage generally remains active.
Uninsured/underinsured motorist coverage may also apply depending on the platform and state-specific implementation.
Why a Rideshare Endorsement Matters in Mississippi
Even though Uber and Lyft provide liability coverage, many personal auto policies exclude coverage once you turn the app on.
A rideshare endorsement helps:
- Prevent coverage gaps during Period 1
- Avoid policy cancellation
- Protect against claim denial
Learn more about how Uber’s platform insurance functions in our guide to Uber insurance coverage in Mississippi and how Lyft structures its coverage in Lyft insurance coverage in Mississippi.
Penalties for Non-Compliance
Driving without proper insurance while engaged in rideshare activity may result in:
- License suspension
- Registration suspension
- Fines
- Personal liability for accident damages
Maintaining compliant coverage protects both your income and your long-term driving eligibility.
Next Steps
Understanding the legal requirements is the first step. Next, review: