Cheap Auto Insurance in Mississippi

In the market for Mississippi automobile insurance? If you live in Jackson, Gulfport, Hattiesburg, Biloxi, or Southaven, you can find up to eight rate quotes from first rate agencies near you from CheapCarInsuranceinc.com. Price ranges fluctuate by provider and you ought to compare rates diligently before you buy a policy. We’ll show you how to find the coverage to suit your needs.

Mississippi Auto Insurance – Average Premiums

State average costs in Mississippi can vary, most drivers are probably forking out around $89/mo for their coverage. Some places, like Jackson, are much more expensive (around $116 each month) but other places, like Southaven, are much cheaper (as little as $80/month).

 

Important Mississippi Auto Insurance Laws and Requirements

It is very easy to find cheap Mississippi car insurance. There aren’t any no-fault laws on the books, so purchasing no-fault insurance is not required within the state of Mississippi. Additionally, the state does not require its drivers to purchase UM/UIM coverage either. Liability is of course required, and the minimum amounts of coverage are outlined below:

 

Choosing the Right Amount of Mississippi Car Insurance Coverage

Part of the reason Mississippi Automobile insurance costs are so low is because of how few requirements they put on drivers. For example, they don’t require any personal injury protection, comprehensive coverage, or even uninsured motorist coverage. But all of these could be important, or even essential, for certain drivers.

 

Mississippi DUI Laws

If you are convicted of your first DUI offense, you may face the following penalties: up to 48 hours in jail; a fine between $250 and $1,000; your license may be suspended for 90 days; a hardship license may be imposed after 30 days; and required attendance at an alcohol safety education program and/or a victim impact panel

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of significant driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Mississippi, you will need to file an SR-22 in order to have your driver’s license reinstated.

 

Age Limit Laws

You can be as young as 15 and still apply for a learner’s permit in Mississippi. But you have to maintain good standing for at least 12 months. Strangely, unlike in almost every other state, there are no required hours of supervised driving before you can apply for your intermediate permit at age 16. The intermediate permit puts nighttime driving restrictions on Teenage motorists between the hours of 10 PM – 6 AM Sunday through Thursday, and 11:30 PM – 6 AM Friday and Saturday. Also, unlike almost every other state, there are no restrictions on how many non-family passengers can ride with an intermediate driver at any given time. At 16 years and 6 months, they can apply for a full license. The extremely lax GDL laws of Mississippi might account for why there is over a 200% increase in the price between an experienced adult driver, and a young driver who just got a full license.

 

Credit Score Laws and Regulations

In Mississippi, like in many other states, there are no laws preventing your automobile insurance company from factoring in your credit score before giving you a rate quote. They do this because they believe that your credit score is an accurate reflection of how likely you are to pay your bill on time every month, regardless of whatever financial hardships you may have experienced.

 

Insuring your Vehicle in Mississippi

Pop quiz: does your insurance policy follow you, the driver, or your vehicle? The answer is: it follows the vehicle. Hence the reason your insurer wants to know so many details about the vehicle you drive. Even if you aren’t behind the wheel when something happens to your car or truck, you and your insurance company are still financially responsible for that vehicle.

 

Additional Mississippi Auto Insurance Laws and Requirements

The elements discussed above have some significant influence when it comes to determining your final insurance quote. But breaking any of the traffic and safety laws below could alter your rates as well:

Highway Safety Laws

Regrettably, there are no aggressive driving laws in the state of Mississippi. But that doesn’t mean that causing an accident because you failed to yield the right of way or ran a red light is any less illegal; you will still face legal and financial consequences for causing an accident due to aggressive behavior behind the wheel.

Aggressive Driving	No state law
Cell Phones and Texting Laws	Primary All-Driver Ban for: Texting, Bus Drivers
Inc. Penalty for High BAC	No State Law
Admin. License Susp. on 1st Offense	90 days

 

Speed Limits and Cell Phone Use

Just like many states, there is an all-driver ban on texting while driving in Mississippi due to the danger of accidents. There are also primary level bans on school bus drivers talking on a cell phone while on the job. It is not yet illegal for regular drivers or novice drivers to talk on a cell phone while driving, however. But such laws change frequently, so be sure to keep yourself informed.

Rural Interstate	70 mph
Urban Interstate	70 mph
Other Limited-Access	70 mph

Important Mississippi Contacts

State of Mississippi Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Mississippi Website

Mississippi Department of Insurance

How to contact directly:

Mississippi Insurance Dept.
1001 Woolfolk State Office Bldg.
501 North West Street
Jackson, MS 39201
Phone: 1-601-359-3569

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