Mississippi Insurance & Collisions practice test

Key Mississippi facts: Insurance & Collisions

• Minimum liability coverage is $25,000 for one person, $50,000 for two or more people and $25,000 for property damage in one accident. Minimum Insurance Amounts, PDF p. 76
• A current insurance card must be kept in each vehicle, and an electronic image on a phone is accepted; a driver who cannot show proof after a crash or stop can be cited even when not at fault. Proof of Insurance, PDF p. 76; In Case of an Accident, PDF p. 66
• After a crash without proof of insurance the license may be suspended unless the driver shows, for example, a policy in force, a certificate of deposit or securities worth $15,000, or self-insurance, which requires a fleet of more than 25 vehicles. PDF p. 76
• An uninsured driver at fault in a crash that injured someone or damaged property must buy liability insurance and file proof that stays in effect for three years from the crash. PDF p. 76
• A crash with injury, death or apparent damage over $500 must be reported to law enforcement right away, whoever is at fault; if the driver is too hurt, a passenger may report, and the reports are confidential. In Case of an Accident, PDF p. 66

Sample Insurance & Collisions questions

Above what amount of apparent property damage must a crash be reported to law enforcement?

• $2,500
• $1,000
• $250
• $500

Show the answer

$500

Crashes with any injury or death must be reported too, no matter who was at fault.

Source: MDPS Driver's License Manual, In Case of an Accident, PDF p. 66

An uninsured driver causes a crash that injures someone. How long must their new proof of insurance stay in effect?

• Three years
• Five years
• One year
• Six months

Show the answer

Three years

The policy must meet the state minimums and come from an insurer licensed in Mississippi.

Source: MDPS Driver's License Manual, PDF p. 76

What is the minimum liability coverage in Mississippi for injury to one person in one accident?

• $15,000
• $25,000
• $10,000
• $50,000

Show the answer

$25,000

Every motor vehicle operated in Mississippi must carry liability insurance.

Source: MDPS Driver's License Manual, Minimum Insurance Amounts, PDF p. 76

To avoid suspension after a crash without proof of insurance, a driver may show a certificate of deposit or securities worth how much?

• $25,000
• $5,000
• $50,000
• $15,000

Show the answer

$15,000

Other options include proving a policy was in effect, self-insurance or a release of liability.

Source: MDPS Driver's License Manual, PDF p. 76

Which convictions lead to a one-year license revocation in Mississippi?

• Any seat belt ticket during a calendar year
• Three reckless driving convictions in 12 months
• One speeding ticket in a marked school zone
• Two parking tickets within a single month

Show the answer

Three reckless driving convictions in 12 months

Failing to stop and give aid after a crash also brings mandatory revocation.

Source: MDPS Driver's License Manual, Revocation of License, PDF p. 80

What is the minimum Mississippi liability coverage for damage to other people's property?

• $5,000
• $25,000
• $10,000
• $50,000

Show the answer

$25,000

This covers damage to others' property in any single accident.

Source: MDPS Driver's License Manual, Minimum Insurance Amounts, PDF p. 76

After a crash, what should you give the other people involved?

• Your Social Security number and birth date
• Nothing at all until police arrive
• Name, address, plate number and insurance
• Only your phone number and nothing more

Show the answer

Name, address, plate number and insurance

Get the same information from them for your own protection.

Source: MDPS Driver's License Manual, In Case of an Accident, PDF p. 66

What is the minimum Mississippi liability coverage for injuries to two or more people in one accident?

• $25,000
• $100,000
• $30,000
• $50,000

Show the answer

$50,000

The minimums are $25,000 per person, $50,000 per accident and $25,000 for property damage.

Source: MDPS Driver's License Manual, Minimum Insurance Amounts, PDF p. 76

To be self-insured in Mississippi, how many vehicles must the owner have?

• More than 5
• More than 50
• More than 100
• More than 25

Show the answer

More than 25

A self-insurer must agree to pay judgments as an insured owner would.

Source: MDPS Driver's License Manual, PDF p. 76

You are too badly hurt to report your crash right away. What does the manual say?

• Report it within a year
• A passenger may report it
• It need not be reported
• Only the other driver reports

Show the answer

A passenger may report it

These crash reports are kept confidential.

Source: MDPS Driver's License Manual, In Case of an Accident, PDF p. 66

Take this topic's test

More Mississippi practice

• Full practice testAll topics, as in the knowledge test
• Road SignsWhat signs mean and what to do when you see them90 questions, 12 on Mississippi rules
• Right-of-WayWho goes first at intersections, crosswalks and roundabouts31 questions, 13 on Mississippi rules
• Traffic SignalsLights, arrows and pedestrian signals34 questions, 12 on Mississippi rules
• Lanes & TurnsLane markings, turns, passing and merging39 questions, 12 on Mississippi rules
• Speed LimitsLimits and how to adjust your speed22 questions, 10 on Mississippi rules
• ParkingCurb colors, hills and where you can't park29 questions, 10 on Mississippi rules
• Safe DrivingFollowing distance, weather, night driving and sharing the road65 questions, 22 on Mississippi rules
• Alcohol & DrugsBlood alcohol limits, DUI rules and medication28 questions, 15 on Mississippi rules
• EmergenciesBreakdowns, emergency vehicles and railroad crossings26 questions, 15 on Mississippi rules
• License RulesPermits, restrictions for new drivers and points28 questions, 28 on Mississippi rules
• Phones & DistractionPhone rules and other distractions20 questions, 11 on Mississippi rules

About these questions

We wrote these practice questions from the facts in the Mississippi Driver's License Manual ('Revised December 2024' (PDF p. 2), file '1.15.2025 Revised MDPS Driver's Manual.pdf' on driverservicebureau.dps.ms.gov (posted as the new manual on 2025-03-10), 92 PDF pages, read 2026-11-10. Page numbers cited are PDF pages, which equal the printed page numbers. Where the manual is silent or out of date, the Driver Service Bureau pages (Regular Learner's Permit, Regular Driver License, Hardship License, Knowledge Testing Policy, the August 2025 DUI FAQ and the 2026-06-25 Driver's Education Update), Miss. Admin. Code Title 31, Part 1, and the Mississippi Code are the source. The official Mississippi Code is published only by LexisNexis (linked from sos.ms.gov, not a .gov host), so statute text was read from bills on billstatus.ls.state.ms.us that reproduce the current section before amendment: 63-3-809 (2026 HB 287), 63-3-615 (2025 HB 7), 63-3-501 (2025 HB 74), 63-33-1 (2026 HB 291) and 63-11-30 (2024 SB 2606); none of those bills was enacted, and the 2025 and 2026 session lists of enacted bills show no other change to these traffic rules (SB 2314 and SB 2322 of 2026 change license administration only). Differences found and how they were handled: (1) the manual's emergency vehicle section (p. 67) covers only emergency vehicles, while 63-3-809(3) and (5) also require moving over or slowing for stopped recovery, utility service, sanitation and highway maintenance vehicles and rural mail carriers, with fines up to $250 or $1,000 (63-3-809(6)); questions follow the statute; (2) the manual gives no penalty for texting; 63-33-1(3) makes it a civil violation with a $100 fine, used in one question; (3) the speed table (p. 41) gives limits that 'usually apply' (interstates 70, four-lane highways 65, two-lane highways 55), while 63-3-501 sets 65 as the general maximum and lets the Transportation Commission raise interstates and four-lane controlled-access highways to no more than 70; questions use 'usually' for the table and the statute for the general maximum; (4) the railroad stop rule is printed as 'within fifty to ten feet' (pp. 35-36) and is read as between 10 and 50 feet from the outer rail; (5) the manual (p. 11) requires the exam when an out-of-state license is expired over thirty days, while the Regular Driver License page says any expired out-of-state license; the question uses 'more than 30 days', true under both; (6) Admin. Code Title 31, Part 1 (filed 2014) is partly out of date (one-year permit, $3 fee, road test rules) against the current DSB pages; only its 80% pass rule is used. The school zone limit of 15 mph (pp. 31, 41) could not be checked against statute text on an official host and comes from the manual only. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.

DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Mississippi Department of Public Safety, Driver Service Bureau, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.