Auto Insurance Minimums for Mississippi

In the state of Mississippi, you are required by law to have minimum liability coverage of 25/50/25.  This ratio translates into $25K of Liability Bodily Injury coverage per person, $50K of Liability Bodily Injury coverage per accident, and $25K of Property Damage coverage.  In addition, the Mississippi Insurance Department strongly suggests that you purchase more than the base line on top of uninsured/underinsured motorist protection.  This may seem like a lot, but it is very simple to find affordable auto insurance quotes if you take enough time to shop around.

This is in place because approximately 28% of motorists in Mississippi are uninsured; one of the highest percentages in the country.  This translates to 530,000 drivers defying state law and does not include the thousands of others that are inadequately insured.

Those that choose to drive without insurance will have to pay a $1,000 fine at the first offense and will have their license suspended for a year or until proof of insurance can be provided.  Meanwhile the average cost of auto insurance per year is only $1,239, which is not much considering the potential costs of the alternative.

Purchasing car insurance is easy—especially when you use Save Today to help you find reasonable auto insurance quotes that satisfy all of your needs.  Having the appropriate automobile insurance will keep you and your loved ones safe and out of trouble.

Mississippi DUI Laws

Mississippi has the most fatal car crashes in all of the U.S. Almost a thousand drivers in Mississippi are involved in fatal crashes every year, and most of these accidents are alcohol related—a whopping 40% of them, in fact. Considering that Mississippi has one of the lowest populations in the U.S., this is especially disturbing. To curb its reputation for drunken driving fatalities, Mississippi has recently adopted stricter DUI laws. Drivers who are under the influence of alcohol or drugs will be arrested, face fines, mandatory jail time and license suspension.

The blood alcohol content limit (BAC) in Mississippi is 0.08% or higher; however, drivers whose BAC is 0.15% or higher may face additional penalties.
If you are arrested for a DUI in Mississippi, you will have your license suspended for 90 days, although you may apply for a limited license if you need to drive to a job or to school. A first offense DUI will cost you from $250 to $1,000 in fines, and you may spend also have to spend 48 hours in jail.

Mississippi Teen Driving Laws/Auto Insurance Requirements

As with many other states, teens in Mississippi are more likely to be involved in car accidents than those in other age groups. In fact, Mississippi has some of the highest teen-related accident fatalities in the country. To counter this unfortunate fact, Mississippi has implemented the Graduated Driver Licensing (GDL) program.

Teens 15 and up may hold a learner’s permit, and teens 15 and a half up may apply for an intermediate license, also known as a “Class Y” license. They must hold on to these licenses for six months in order to advance to an unrestricted license, and they must keep a clean driving record during this time. In Mississippi, you must be 16 in order to receive your regular license.

It is illegal for Mississippi teens to drive under the influence. If caught driving with a BAC of 0.02% or higher, teens will be prosecuted, pay 250 dollars in fines, and have their license suspended for 90 days.

Teens in Mississippi are required to carry the minimum amount of insurance, as per state law. However, because teens are more likely to get into an accident in their first year of driving, teens are encouraged to purchase more than the minimum amount of coverage needed.