Mississippi insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Mississippi. Updated Mar 31, 2026.
Department of Insurance
Mississippi operates under a File & Use rate filing system for property and casualty insurance, requiring insurers to file rates 30 days prior to use with automatic approval unless disapproved. The state has a competitive insurance market with specific exemptions for certain commercial lines. Mississippi has not expanded Medicaid and uses the federally-facilitated marketplace for health insurance.
Auto Insurance
Notable Laws
- Miss. Code Ann. § 63-15-4: Compulsory automobile liability insurance law requiring minimum coverage of $25,000/$50,000/$25,000
- Miss. Code Ann. § 83-11-101 et seq.: Automobile insurance chapter governing UM/UIM coverage requirements
- Miss. Code Ann. § 83-11-102: Allows non-stacking uninsured motorist coverage for policies covering 4+ vehicles
- House Bill 621 (Compulsory Automobile Liability Insurance): Establishes mandatory insurance requirements and penalties
- Senate Bill 2593 (2013): Authorizes electronic proof of insurance cards
Homeowners Insurance
Notable Laws
- Miss. Code Ann. § 83-5-28: Requires 30-day notice for cancellation, reduction, or nonrenewal; 10 days for nonpayment
- HB 1611 (2025): Requires 45-day advance notice for renewals, cancellations, reductions, or nonrenewals effective 7/1/2025
- SB 2130 (2024): Prohibits insurers from canceling or denying coverage based solely on roof age
- Miss. Code Ann. § 83-38-1 et seq.: Establishes MRPIUA as residual market mechanism for property insurance
- Miss. Code Ann. § 83-75-1 et seq.: Provides homeowners insurance discounts for hurricane/windstorm damage mitigation (FORTIFIED standards)
Recent Bulletins
Form and Rate Filing Guidance for Individual, Small Group, and Stand-Alone Dental Plans In Mississippi
Provides guidance for health insurers on form and rate filing requirements for individual, small group, and stand-alone dental plans for the 2027 plan year
View bulletinMississippi Product And Rate Filing Fee Schedule
Establishes the fee schedule for product and rate filings with the Mississippi Insurance Department for 2026
View bulletinUnfair Trade Practices in Marketing Insurance Product to Mississippians Eligible for Medicare
Addresses unfair trade practices in marketing Medicare-related insurance products to Mississippi residents and establishes consumer protection standards
View bulletinHouse Bill 1611, 2025 Regular Session Property and Casualty Insurance Coverage 45 Day Renewal or Change of Coverage Requirement
Implements HB 1611 requiring property and casualty insurers to provide 45-day advance notice for renewals, cancellations, reductions in coverage, or nonrenewals
View bulletinRefiling of 2026 Rates Due to City of Columbus v. Kennedy Ruling
Requires insurers to refile 2026 rates in response to the City of Columbus v. Kennedy court ruling affecting rate calculations
View bulletinRecent Law Changes
45-Day Notice Requirement for Policy Changes
Requires property and casualty insurance companies to provide at least 45 days' notice before renewal, cancellation, reduction of coverage, or nonrenewal of policies
All property, casualty, auto, and workers' compensation policyholders receive extended notice period from 30 to 45 days for policy changes
Effective: 2025-07-01
Protecting Patient Access to Physician-Administered Drugs Act
Prohibits health insurance issuers and pharmacy benefit managers from interfering with access to physician-administered drugs, refusing payment to participating providers, or imposing additional fees beyond cost-sharing
Patients and physicians gain protection from insurance interference with physician-administered drugs and ensure proper reimbursement
Effective: 2025-03-21
Cybersecurity Insurance Added to Guaranty Association
Adds cybersecurity insurance to the scope of the Mississippi Insurance Guaranty Association to protect policyholders in the event of insurer insolvency
Cybersecurity insurance policyholders receive guaranty association protection up to statutory limits if their insurer becomes insolvent
Effective: 2025-07-01
Group Capital Calculation Requirements
Implements Group Capital Calculation (GCC) for group solvency supervision and a Liquidity Stress Test (LST) for macroprudential surveillance of insurance holding companies
Insurance holding companies must comply with enhanced solvency monitoring through group capital calculations and liquidity stress testing
Effective: 2025-07-01
Roof Age Non-Discrimination Law
Prohibits homeowners insurance companies from canceling, non-renewing, or denying coverage based solely on the age of a roof without inspection showing material defects
Homeowners with older roofs cannot be denied coverage based on age alone, providing broader access to insurance
Effective: 2024-07-01
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