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Cheapest Car Insurance in Mississippi (MS)

The epitome of southern charm, Mississippi has rightfully earned the nickname “The Hospitality State”. With a colorful history of cotton plantations and riverboats, Mississippi now produces the majority of catfish consumed in the U.S. The state varies between swamplands, river deltas, coastal plains and rolling hills, and its winters are short and mild. The warm, humid summers keep much of the state covered with lush foliage. Mississippi’s byways can give drivers a fascinating view of America’s true South, and CheapCarInsurance.net has provided this list of all the necessary information to keep Mississippi’s drivers rolling.

Average Car Insurance Premiums and Average Car Insurance Premiums as a Percentage of Income

Mississippi’s average premiums have remained under the national average for several decades. Census.gov’s recent report reveals that, although the state’s average premiums as a percentage of income are still above the national average, they hit an historic low in 2007, followed by a second in 2008.

Drunk Driving Fatalities

Mississippi’s drunk driving fatalities showed a small rise in 2011, according to the National Highway Traffic Safety Administration. However, in 2012, the percentage rose drastically to match the national average of 31 percent.

Teen Drinking and Driving

The Center for Disease Control indicates that Mississippi’s teens drink and drive 2.5 percent more than teens in the rest of the 49 states. At 12.6 percent, the state surpasses the national average of 10.1 percent.

Vehicular Theft in Mississippi

Vehicle thefts in Mississippi fell to a rate of 144.8 in 2012, according to the FBI. This is much lower than the national average, which reported its percentage as 229.7.

Changing laws and regulations can be as intimidating as crossing Mississippi’s namesake river. So, following is an organized, easy-to-follow list of the useful information every Mississippi driver needs to remember.

Minimum Requirements for Car Insurance in Mississippi

  • To operate a vehicle in Mississippi, a driver must carry liability insurance.
  • Liability Coverage minimums:
    • $25,000 per individual to cover bodily injury or death.
    • $50,000 per accident involving bodily injuries or deaths.
    • $25,000 for property damage.

According to the Mississippi Insurance Department, failure to maintain proper insurance and provide proof of insurance results in a $1,000 fine and a license suspension.

New Driver Licensing Requirements:

  • All drivers in Mississippi must have a valid drivers license to operate a vehicle in the state, according to the Mississippi Department of Public Safety. Drivers new to Mississippi who are holding an out-of-state license must pass the vision test but not the knowledge or driving tests.
  • If a new driver is under the age of 18, he/she must first apply for a Learner’s Permit and hold that permit for 1 year. A student enrolled in a driver education course may obtain a Learner’s Permit at 14 years of age. This permit only allows the driver to:
    • drive while enrolled in the driver education course
    • drive a driver education vehicle while accompanied by a driving instructor
  • Drivers who hold their permit for 6 months and are 16 years, 6 months of age may apply for the Regular Drivers License by:
    • passing the written test and the road skills test
    • paying the appropriate fees
  • Vision Exam. Applicants must pass the vision test to receive a permit and/or a license. The minimum required for an unrestricted license is a visual acuity of at least 20/40 and a field of vision of at least 140 degrees. Visual acuity between 20/50 and 20/70 may receive a daylight driving restriction. The test may be taken with corrective lenses; however, the lenses must be worn at all times while driving
  • Knowledge Test. Based on the Mississippi Driver’s Manual, the knowledge test evaluates the applicant’s understanding of basic traffic-related concepts. The test is computer-based and consists of multiple choice questions.
  • Road Skills Test. The road test is designed for the administrator to evaluate each applicant’s driving skills and knowledge. The applicant must provide a properly equipped, licensed, insured and registered vehicle for the exam. The vehicle will undergo a pre-test inspection of the vehicle’s lights, horn and brakes. Once the vehicle passes inspection, the test administrator will test the applicant’s ability in the following areas:
    • Making right and left turns
    • Stopping
    • Backing
    • Grade parking
    • Parallel parking
    • Posture
    • Use of signals
    • Vehicle control
    • Approach and obey warning signs, traffic lights and stop signs
    • Lane management
  • Fees. The following fees apply to a new Mississippi drivers license:
    • Regular License, $21
    • Regular License (Under 18), $6
    • Learner’s Permit, $4

DUI/DWI Laws

  • BAC limit: .08 Mississippi’s Department of Public Safety provides the following minimum penalties for DUI convictions in the state:
  • First Offense – misdemeanor:
    • Fine: $250 – $1,000
    • Jail: maximum 48 hours
    • License suspension: 90 days to 1 year
    • Driver education: 10 hours
    • SR22 Insurance required
  • Second Offense – misdemeanor:
    • Fine: $600 – $1,500
    • Jail: 5 days to 1 year
    • License suspension: 2 years
    • Ignition Interlock Device (IID): minimum 6 months
    • Community service: 10 days to 1 year
    • Possible vehicle forfeiture
    • Alcohol or substance abuse treatment/program
    • SR22 Insurance required
  • Third or Subsequent Offense(s) – felony:
    • Fine: $2,000 – $5,000
    • Jail: 1 – 5 years
    • License suspension: 1 – 5 years
    • IID for minimum 6 months
    • Possible vehicle forfeiture
    • SR22 Insurance required
  • Aggravated factors and higher BAC levels can increase DUI conviction penalties.

Texting & Driving Laws

Distraction.gov explains that Mississippi has banned all cell phone use and texting from bus drivers. Texting is also banned for novice drivers.

Unique Laws

Mississippi’s laws can leave drivers both safer and more puzzled at the same time. A law that does just that prohibits one from honking a vehicle horn for the fact that it may scare the horses. It is also illegal to cheer if there is, in fact, nothing to cheer about. Also, remember that when driving around the town square in Oxford, 99 laps is the limit!

State Department of Insurance

Mississippi Insurance Department
1001 Woolfolk State Office Building
501 North West Street
Jackson, MS 39201
(601) 359-3569
800-562-2957
www.mid.ms.gov
Get Directions

Department of Transportation

Mississippi Department of Transportation
401 North West Street
Jackson, Mississippi 39201
(601) 359-7001
mdot.ms.gov
Get Directions

Department of Motor Vehicles

Mississippi Department of Revenue
Motor Vehicle Licensing Bureau
500 Clinton Center Dr
Clinton, MS 39056
(601) 923-7000
www.dor.ms.gov
Get Directions

Mississippi drivers licensing is handled through the Department of Public Safety.

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